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FAQs (frequently asked questions)
What is a personal loan?
A personal loan is an unsecured loan provided by financial institutions to meet your financial needs, such as weddings, vacations, medical emergencies, or home renovations. No collateral or security is required.
What documents are required for a personal loan?
You’ll need:
ID proof (Aadhaar, PAN, Passport).
Address proof (utility bills, rental agreement).
Income proof (salary slips, bank statements, or ITR).
What is the maximum loan amount I can get?
The loan amount depends on your income, repayment capacity, and credit scor
What is the interest rate for personal loans?
Interest rates vary depending on your credit profile, income, and loan amount.
Can I get a personal loan if I have a low credit score?
It’s possible, but the loan terms might not be as favorable. Improve your credit score by repaying existing debts on time to increase your chances.
Can I prepay or foreclose my personal loan?
Yes, most lenders allow prepayment or foreclosure of personal loans. Check with Ausn Finance for applicable charges or conditions.
Will applying for a personal loan affect my credit score?
Yes, applying for a loan leads to a "hard inquiry" on your credit report, which may temporarily lower your score. Timely repayments, however, improve your credit score over time.
Who is eligible for a personal loan?
Eligibility criteria vary by lender, but generally, you must:
Be aged 21–60 years.
Have a stable income (minimum monthly income requirements apply).
Provide valid ID and address proof.
How long does it take to get a personal loan approved?
With AUSN Finance, approvals are quick, often within 24–48 hours, provided all documents are in order.
Can I prepay or foreclose my personal loan?
Yes, most lenders allow prepayment or foreclosure of personal loans. Check with Ausn Finance for applicable charges or conditions.
Anjali Verma
I needed funds urgently for a medical emergency, and Ausn Finance came through like a lifesaver! The process was seamless, and the loan was approved in just 48 hours. Highly recommended!
Ananya Gupta
AUSN Finance made my home renovation dreams come true. Their team was super supportive, and the EMI options fit perfectly into my budget. Thank you for making it so easy!
Amit Roy
I was worried about hidden charges, but AUSN Finance kept everything clear and transparent. The personal loan terms were fair, and the approval process was quick. Loved the experience!
Sneha Patil
AUSN Finance made my home renovation dreams come true. Their team was super supportive, and the EMI options fit perfectly into my budget. Thank you for making it so easy!
