Getting a loan with EmiSeva is simple, transparent, and hassle-free. Follow these easy steps to secure your loan quickly and efficiently.
Experience the difference with our customer-centric approach
Get loan approvals in as little as 24 hours with our streamlined digital process.
Bank-level security ensures your personal and financial information is always protected.
Competitive rates starting from 8.4% with no hidden charges or fees.
Personal loan manager assigned to guide you through every step of the process.
Choose from multiple repayment options that fit your financial situation.
No hidden fees or charges. All terms clearly explained before you sign.
Prepare these documents for a smooth application process
Find answers to common questions about our loan process
The timeline varies based on loan type and document completeness. Personal loans can be processed in 24-48 hours. Home loans typically take 3-7 working days due to property verification. Business loans may take 2-5 working days. The fastest approvals are for pre-approved customers who can receive funds within 12 hours.
We generally look for a credit score of 650 or above for unsecured loans. For secured loans like home loans, we may consider applicants with scores as low as 600. However, we evaluate applications holistically, considering income stability, employment history, and existing financial obligations alongside credit score.
Yes, we have options for self-employed individuals and those without traditional salary slips. You can provide bank statements for the last 6-12 months, IT returns for the last 2-3 years, and business financial statements. We also consider alternative income sources like rental income, investments, or freelance work.
We do not charge any prepayment penalty for most loan types after the first 12 EMIs. For home loans, you can make partial prepayments of up to 25% of the outstanding principal each year without any charges. Full prepayment is allowed after 3 years without penalty.
You can track your application in three ways: 1) Log in to your account on our website or mobile app for real-time updates. 2) Contact your dedicated loan manager directly. 3) Call our customer support at +91 98765 43210. We also send SMS and email notifications at each stage of the process.
Join thousands of satisfied customers who have achieved their financial goals with our simple loan process