327 people used till this date 
NIRA PERSONAL LOAN
Planning a short weekend trip, a gift for your sibling, a new training course for yourself, or looking to update your mobiles and gadgets?
NIRA FINANCE has got you covered. Get qualified for an instant personal loan of up to Rs. 1 Lakh in just 3 minutes!
Benefits:-
1. 100% Paperless Process
2. Quick Loan Disbursal
3. Get a Loan for Low CIBIL Score Holders
4. Low-Interest Rates [1.67% to 2.25% per month]
5. It provides a Flexible Repayment Plan for 3 - 12 months.
6. Its RBI Registered NBFC entity
STEPS
1. Download NIRA instant loan app
2. Upload docs to complete the process
3. Setup auto-debit and avail credit
4. Voila! Your Loan is Approved!
APPLY NOW
Expires on Sun Jun 22 11:56:00 IST 2025 Sun Jun 22 11:56:00 IST 2025 ⓘ T&C 
Verified 2 people used till this date Benefits
Loan Amounts – Borrow between ₹5,000 to ₹1,00,000.
Flexible Repayment – Tenure up to 12 months.
Competitive Interest Rates – Starting from 2% per month.
Quick Processing – Instant approval & disbursal within 24 hours.
No Hidden Fees – Transparent terms with no extra charges.
Special Offers – Chance to win a phone worth ₹1,00,000 during promotions.
Expires on Thu May 01 00:00:00 IST 2025 Thu May 01 00:00:00 IST 2025 ⓘ T&C Verified 
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NIRA is an RBI-registered NBFC committed to offering personal loans to salaried professionals. Also, it is one of the best apps for loans and finance. Also, they offer small loans at low interest rates so people live life without the tension. They bring relevant and accessible financial products to India’s huge market.
| NIRA Loan Details | NIRA Finance Loans and Offers |
| Loan amount | Rs. 5,000 to Rs. 1 Lakh |
| Rate of interest | 24% to 36% p.a. |
| Processing fee | Minimum Rs. 350 + GST and maximum 2% of the loan amount |
| Tenure | 3 months to 12 months |
| Age | 21 to 55 years |
| Minimum monthly salary | Rs. 12,000 or higher |
| Minimum CIBIL score | 681 or above |
| Approval TAT | Within 2 to 48 hours the application is completed. |
Step 1: Log in to the official website https://www.nirafinance.com/ or Install the NIRA in a mobile app.
Step 2: Get an in-principle decision in just 3 minutes just by filing the required details.
Step 3: Once you are eligible for the loan, upload the needed documents like ID proof, bank statement, etc.
Step 4: You will get the approval, once the verification is done successfully.
Step 5: After successful completion of the KYC Compliance, access to the line of credit will be given to you.
Step 6: You can choose the auto-debit mandate. Once your bank enables it, you can sign up for the mandate details digitally. If not, NIRA offers you other options such as pick-up for a paper mandate from the place and time you pick.
Step 7: Once everything is collected, the loan will be distributed to your bank account.
Step 8: Later, will be ready to use your loan for your end.
| Days | NIRA Charges |
| Late Payment Charges | Rs. 500 Penalty |
| Delay of 30 days | 3% of the EMI amount |
| Delay of 30-59 days | 3% of the EMI amount + 2% of the outstanding balance |
| Delay of 60 to 89 days | 3% of the EMI amount + 4% of the outstanding balance |
| Delay above 90 days | 3% of the EMI amount + 5% of the outstanding balance |
To get the loans with the best offers, stashfin offers at PaisaWapas are the best choice like NIRA. Navi, SBI Card are also the best platforms where you will get loans.
SPIN & WIN
