Lenders serving Surat

Personal Loans in Surat

Surat has one of India's most competitive lending markets — banks, NBFCs and fintech apps all serve the city, so you get more offers and faster disbursal. Compare 15+ RBI-registered lenders and apply 100% online.

Rates from 10.49% p.a. · Disbursal in minutes · Compare 15+ lenders

By BankCreds Financial Experts · Loan & Credit Analysts Updated 21 September 2026 Reviewed by BankCreds Content & SEO Team
Compare Offers How It Works

Check Your Eligibility

Step 1 of 3

Start with your basic details — we'll send an OTP to verify.

+91
15 min
Avg approval time
10.49%
Starting rate p.a.
₹50L
Max loan amount
15+
Lenders in Surat

Instant Loans in Surat — How It Works

As a major metro, Surat is served by every kind of lender: private banks like HDFC and ICICI, large NBFCs like Bajaj Finserv, and app-first lenders like KreditBee and MoneyView. For salaried and self-employed borrowers across Surat, that competition usually means quicker approvals, Aadhaar-based eKYC, and funds in your account within hours — no branch visit, no photocopying.

Lenders Serving

Top Lenders in Surat

Indicative rates and approval times. Final terms depend on the lender's credit assessment.

HDFC Bank

10.49% - 21%
Bank

ICICI Bank

10.50% - 19%

Bajaj Finserv

11% - 38%
NBFC

KreditBee

12% - 36%
Fintech
By Amount

Browse Loan Amounts in Surat

Pick the loan size you need — compare lenders that serve Surat for each amount.

Process

How It Works

From comparing offers to funds in your Surat bank account — in three steps.

1

Compare Online

Browse offers from RBI-registered lenders side-by-side on BankCreds.

2

Apply Digitally

Fill the chosen lender's form — Aadhaar OTP eKYC, no branch visit.

3

Funds in Bank

Money credited directly to your account, typically within hours.

Eligibility

Eligibility for a Loan in Surat

What lenders typically check before approving a personal loan in Surat.

Age
21 - 60 years
Monthly Income
₹15,000 minimum
Employment
Salaried / Self-employed
CIBIL Score
650+ preferred
Documents Needed
Aadhaar + PAN + Bank statement
FAQ

Common Questions About Loans in Surat

Can I get an instant personal loan in Surat?
Yes. All 15+ lenders compared on BankCreds serve Surat. The application, KYC, and disbursal are 100% digital — your residence in Surat is verified via Aadhaar eKYC and bank statement. No branch visit required.
What is the minimum salary required for a loan in Surat?
Most lenders require a minimum monthly income of ₹15,000 - ₹25,000, depending on the loan amount. Banks (HDFC, ICICI) tend to require ₹25,000+; NBFCs and fintech apps (KreditBee, MoneyView) accept ₹10,000-₹15,000.
How fast is the disbursal in Surat?
For pre-approved customers, banks like HDFC disburse in 10 seconds, ICICI in 3 seconds. For first-time applicants, expect 15-60 minutes for approval and 1-2 hours for the money to land in your bank account. Some fintech apps deliver in under 10 minutes.
Do I need a Surat address proof?
Your Aadhaar address is treated as proof. If your Aadhaar is registered in a different city, most lenders also accept utility bills, rental agreements, or bank statements showing your current Surat address as supplementary proof.
Which loan apps are popular in Surat?
Across Surat, the most popular options are HDFC Insta Loan, ICICI Bank PaperLess, Bajaj Finserv, KreditBee, MoneyView, and Navi. Compare their rates, fees, and disbursal speeds on BankCreds before applying.
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Trust & Safety

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Disclaimer Loan approval depends on your credit profile, income verification, and the lender's eligibility criteria. Interest rates are subject to change based on market conditions and RBI guidelines. This page is for informational purposes only and does not guarantee loan approval. BankCreds is a comparison platform and is not a lender.

Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.