Quick disbursal
Once your application is approved, funds are transferred quickly so you can handle your immediate needs without delay.
Get a Small Personal Loan
Online with The Unidy
Cover urgent expenses like medical bills, travel, education or home repairs with an instant small personal loan from The Unidy. 100% digital journey, transparent pricing and flexible EMIs.
₹5,00,000
Maximum loan amount*
6–36 months
Flexible tenure
100% digital
Paperless process
*Illustrative figures. Actual eligibility depends on The Unidy's internal policy.
Small Personal Loan EMI Calculator
What is a Small Personal Loan?
A small personal loan from The Unidy is an unsecured loan designed for short–term needs. You can use it for emergencies, travel, weddings, gadgets, education, rent deposits and many other expenses.
You don’t have to provide any security or collateral. Once your profile is approved, funds are transferred directly to your bank account and you repay in easy monthly instalments.
Why people choose The Unidy
- End–to–end digital application
- Fast credit decision and quick disbursal
- Clear fee structure with no hidden surprises
- Friendly support for repayment and queries
How to Apply for a Small Personal Loan
Getting a small personal loan from The Unidy takes just a few simple steps.
1
Check basic eligibility
Share your age, city, employment type and monthly income to see if you qualify.
2
Choose amount & tenure
Pick a loan amount and EMI that fits your monthly budget using our calculator.
3
Complete KYC
Upload your PAN, Aadhaar and income proof. The entire process is online and secured.
4
Get money in your bank
Once approved, The Unidy credits the loan amount directly to your bank account.
Eligibility Criteria
- Indian citizen
- Age between 21 and 55 years
- Stable monthly income (salaried or self–employed)
- Active bank account in India
- Acceptable credit history as per The Unidy policy
Documents Required
- PAN card
- Aadhaar card / government–approved address proof
- Recent salary slips or bank statements
- Passport–size photograph / selfie
Advantages of a Small Personal Loan from The Unidy
Flexible repayment
Choose a tenure between 6 and 36 months and customise your EMI based on your cash flow.
Minimal documentation
Basic KYC and income proof are usually enough. No long paper forms or branch visits.
No collateral required
The Unidy’s small personal loan is completely unsecured, so you don’t pledge assets.
Multi–purpose usage
Use the loan amount for any personal requirement such as travel, education or medical expenses.
Transparent pricing
All charges are disclosed upfront so you know exactly what you pay across the loan tenure.
Indicative Fees & Charges
Actual charges may vary depending on your profile and will be shown before you confirm the loan.
| Fee type | Details |
|---|---|
| Loan amount | Up to ₹5,00,000 (subject to eligibility) |
| Interest rate | Starting from 18% p.a. on a reducing balance basis |
| Processing fee | Starting from 2% of the approved loan amount plus taxes |
| Tenure | 6 to 36 months |
| Late payment charges | Up to a fixed fee and/or a percentage of the overdue EMI as per policy |
| Prepayment / foreclosure | Available as per The Unidy’s prevailing terms at the time of request |
Ready to get started with The Unidy?
Share a few basic details and start your small personal loan journey now. The Unidy will review your profile and let you know your eligible amount and EMI.
- Completely digital onboarding
- Track your loan status online
- Secure handling of your data
FAQs on Small Personal Loan
It is an unsecured loan for relatively lower ticket sizes that helps you manage short–term expenses. You repay the amount in monthly instalments over a chosen tenure along with applicable interest and fees.
No. The Unidy’s small personal loan is fully unsecured. Your eligibility is determined based on your income, credit profile and other internal parameters.
For approved applications with completed KYC and signed loan agreement, funds are typically disbursed within a short time to your registered bank account. Timelines may vary based on banking hours and verification checks.
Prepayment and foreclosure options are usually available. Any applicable charges and conditions will be shared with you at the time of your request as per The Unidy’s policy on that date.
Lenders typically review your credit report while processing a loan request. Regular and timely repayment can help maintain a healthy credit profile, while missed EMIs may negatively affect your score.