Personal loans up to ₹5 lakh, decided in minutes.
Verify your mobile, upload two documents, and see your offer. No branch visits, no paperwork.
- Interest from 12.5% a year
- Tenure from 6 to 60 months
- 100% online, funds to your bank account
4 stepsto your offer
5 minaverage time
50,000+demo customers
Check your offer
Free to check. It will not affect your credit score.
How it works
Verify your mobileEnter the OTP we send to your number.
Upload documentsID proof, income proof and a selfie. All online.
Share your detailsIncome, employment and the amount you need.
Get your offerAccept it, submit, and track the money.
Plan your EMI
Illustrative at 14% a year. Your actual rate depends on your profile.
Monthly EMITotal payable
Why people choose us
Clear pricingRate, fee and total payable shown before you accept.
Fully digitalDocuments, agreement and mandate, all on your phone.
Fast decisionsMost eligibility checks finish in under a minute.
Questions
No. Checking your offer uses a soft enquiry, which does not affect your score.
An identity proof (PAN, Aadhaar, passport or voter ID), an income proof (latest salary slip, three months of bank statements, or ITR) and a selfie.
Once you submit, most approved loans reach your account within a few minutes. Sometimes bank transfers take up to 24 hours.
A one-time processing fee plus GST applies. It is shown clearly on your offer before you accept.
No. Lumen Credit is a fictional demo site. Nothing here is a real loan.