Surat is one of India’s fastest-growing cities, known for diamonds, textiles, small businesses, and hardworking professionals. Whether you are a salaried employee, private job holder, or self-employed individual, sudden expenses like medical bills, family needs, education, or travel can arise anytime.
If your monthly salary is ₹12,000 or more, you can now apply for a personal loan in Surat easily through 24hrLoan. With one simple online application, you can check loan offers from multiple banks and NBFCs and choose the best option based on your eligibility.
What is a Personal Loan in Surat?
A personal loan is an unsecured loan, which means:
- No collateral required
- No restriction on how you use the money
- Fast approval and quick disbursal
You can use a personal loan in Surat for:
- Medical emergencies
- Wedding or family expenses
- Education fees
- Travel or relocation
- Paying off other debts
Personal Loan Amount You Can Get
Depending on your income and credit profile, you can get:
- Minimum Loan Amount: ₹50,000
- Maximum Loan Amount: Up to ₹5 lakh
- Tenure: 6 months to 36 months
Eligibility Criteria for Personal Loan in Surat
To apply for a personal loan through 24hrLoan, you should meet the following conditions:
Basic Eligibility
- Age: 21 to 55 years
- Monthly Salary: ₹12,000 or above
- CIBIL Score: 700 or above
- Employment: Salaried Person
- Bank Account: Salary must be credited to the Bank Account
Having a good credit score increases your chances of faster approval and lower interest rates.
Interest Rate & Charges
| Details | Information |
| Interest Rate | 11% to 24% p.a. |
| Processing Fee | Up to 3% |
| Collateral | Not required |
| Prepayment Charges | As per lender policy |
Final rates depend on your credit score, income, and selected lender.
Documents Required for Personal Loan in Surat
The application process is simple and mostly digital. You usually need:
- PAN Card
- Aadhaar Card
- Bank statement (last 12 months)
- Salary slips (last 3 months)
- Applicant Selfie Photo
Some lenders may approve loans with minimal documents if you have a strong profile.
Top Lender Provides Personal Loan in Surat
| 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 |
Why Choose 24hrLoan for a Personal Loan in Surat?
1. Multiple Lenders, One Application
Instead of applying to one bank, 24hrLoan displays offers from multiple banks and NBFCs, increasing approval chances.
2. Suitable for Low-Income Salaried Applicants
With a salary of ₹12,000, lenders are available.
3. Fast Online Process
Apply from anywhere in Surat without needing to visit branches.
4. Transparent Comparison
Compare interest rates, EMIs, and tenures before making a choice.
5. Disburse within 48 hours
Lender disburses your approved loan amount to your bank account.
Also Read: Instant Personal Loan for Medical Emergency
How to Apply for a Personal Loan in Surat
Step 1: Visit the 24hrLoan Website
Choose the Personal Loan option and click on the “Apply Now” button.
Step 2: Enter Basic Details
Fill in your mobile number, income, age, and loan amount.
Step 3: Upload Documents
Submit PAN, Aadhaar, and bank statement online.
Step 4: Compare Loan Offers
Check loan options from multiple lenders in one place.
Step 5: Get Approval & Disbursal
After verification, the loan amount is credited to your account.
Who is Eligibile for a Personal Loan in Surat?
This loan is ideal for:
- Private company employees
- Factory and textile workers
- Office staff and executives
- Small business owners
- Self-employed professionals
If you meet the salary and credit criteria, you can apply.
Also Read: Personal Loan in Darjeeling- Digital Loan
Conclusion
Getting a personal loan in Surat with a ₹12,000 salary is now easier than ever. With 24hrLoan, you don’t have to depend on one lender. You can compare multiple loan options, check eligibility instantly, and apply online with confidence.
If you need quick funds with simple eligibility and flexible EMIs, 24hrLoan helps you find the right personal loan in Surat—fast, safe, and hassle-free.
FAQs – Personal Loan in Surat
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Can I get a personal loan in Surat with a ₹12,000 salary?
Yes, you can get a personal loan in Surat if your monthly salary is ₹12,000 or more, provided you meet other eligibility criteria like age and credit score.
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What is the minimum salary required for a personal loan in Surat?
The minimum salary required to apply for a personal loan in Surat is ₹12,000 per month, with select banks and NBFCs available on 24hrLoan.
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What CIBIL score is needed for a personal loan in Surat?
A CIBIL score of 700 or above is generally required to get better approval chances and lower interest rates.
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What is the maximum personal loan amount I can get in Surat?
You can get a personal loan ranging from ₹50,000 up to ₹5 lakh, depending on your income, credit score, and lender policy.
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Is collateral required for a personal loan in Surat?
No. A personal loan is an unsecured loan, so you do not need to provide any property or asset as security.