Managing expenses in a growing city like Aligarh can be challenging, especially when income is limited. Whether it’s medical bills, education fees, home repair, or daily needs, a personal loan in Aligarh at ₹12,000 salary can help you handle urgent financial requirements without stress.
With 24hrLoan, you can apply online and get personal loan offers from multiple banks and NBFC lenders, even if your monthly salary is just ₹12,000.
Is It Possible to get a Personal Loan in Aligarh at a ₹12,000 Salary?
Yes. Many lenders now provide small-ticket personal loans to salaried individuals with low income. These loans are designed for:
- Private job employees
- Factory workers
- Office staff
- Security guards
- Entry-level professionals
As long as you have a regular income and basic documents, you can get a personal loan in Aligarh through a digital process.
Features of Personal Loan in Aligarh
- Minimum Salary Required: ₹12,000 per month
- Loan Amount: ₹10,000 to ₹5,00,000
- Loan Type: Unsecured (No collateral)
- Approval Mode: 100% online
- Disbursal: Direct to bank account
- Repayment Tenure: 6 to 60 months
Also Read: Personal Loan in Ludhiana: Get up to 30 Lakh
Benefits of Taking a Personal Loan in Aligarh
1. Loan at Low Salary
Even with ₹12,000 income, you can check loan eligibility from multiple lenders at once.
2. No Collateral Needed
You don’t need to pledge property, gold, or any asset.
3. Quick Online Approval
Apply from home using your mobile—no branch visit required.
4. Multiple Bank Offers
24hrLoan connects you with banks and NBFCs, increasing your chances of approval.
5. Flexible EMI Options
Choose a repayment plan that suits your monthly budget.
6. Any-Purpose Loan
Use the loan for medical, education, travel, bills, or emergencies.
Eligibility Criteria for Personal Loan in Aligarh
Eligibility may differ slightly by lender, but common conditions include:
- Age: 21 to 55 years
- Monthly Salary: ₹12,000 or above
- Employment: Salaried (private or semi-private)
- Work Experience: Minimum 12 months
- CIBIL Score: 700+ preferred (some lenders accept lower)
- Bank Account: Active savings account
Documents Required
To apply online for a personal loan in Aligarh, you usually need:
- PAN Card
- Aadhaar Card
- Latest salary slips (1–3 months)
- Bank statement (last 12 months)
- Address proof
Some lenders may also allow video KYC, reducing paperwork.
Interest Rate & Charges
Interest rates depend on your profile and lender:
- Interest Rate: 16% to 26% per annum
- Processing Fee: Up to 3% of the loan amount
- Late EMI Charges: Depend on Lender
Tip: Maintaining a good repayment record helps you get better rates in the future.
Choose Top Lenders for Personal Loan in Aligarh
| Lenders | Interest Rate (p.a.) | Salary Per Month | |
| WeRize | 16% to 18% p.a. | Rs. 12,000 | Apply Now |
| MoneyView | 1.33% per month | Rs. 13,500 | Apply Now |
| InCred | 11.49% to 18% p.a. | Rs. 15,000 | Apply Now |
| Fibe | 24% to 30% p.a. | Rs. 18,000 | Apply Now |
| Prefr | 18% to 36% p.a. | Rs. 18,000 | Apply Now |
| Finnable | 16% to 22% p.a. | Rs. 15,000 | Apply Now |
| IDFC | 12.50% to 18% p.a. | Rs. 15,000 | Apply Now |
| PaySense | 1.4% to 2.3% per month | Rs. 18,000 | Apply Now |
| Upward | 9% to 32% p.a. | Rs. 18,000 | Apply Now |
| mPokket | 1% to 6% per month | Rs. 9,000 | Apply Now |
How to Apply for a Personal Loan in Aligarh
Follow these simple steps:
- Visit the 24hrLoan website.
- Select the “Personal Loan” option.
- Enter your city as Aligarh.
- Fill in salary and basic details.
- Upload documents or complete video verification.
- Compare loan offers from multiple lenders.
- Accept the best offer and submit.
Who Should Apply for This Loan?
This personal loan is ideal for:
- Salaried individuals earning ₹12,000
- People facing medical or family emergencies
- Employees needing short-term financial support
- First-time loan applicants
Why Choose 24hrLoan in Aligarh?
- One application, multiple lenders
- Higher approval chances at a low salary
- Transparent interest rates
- Fast digital process
- Trusted platform for loans and credit cards
Also Read: Personal Loan for Small Business
Conclusion
A personal loan in Aligarh at ₹12,000 salary is a practical solution for managing urgent expenses without borrowing from friends or relatives. With easy eligibility, online application, and quick disbursal, these loans are designed to support salaried individuals at every stage.
Through 24hrLoan, you can compare and apply for the best personal loan offers from multiple banks—quickly, safely, and confidently.