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Personal New to Credit Loan

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Personal New to Credit Loan Overview

Are you new to credit loan? At Nitstone Finserv, we offer the best solutions to your financial worries. You can apply personal loan online with us as we offer hassle-free personal loans online to salaried as well as self-employed individuals. Nitstone Finserv is one of the most reliable lenders in India. Whether you want to fulfil a personal need or wish to renovate your home, we have plans suited to all your needs. Even if you are new to a credit loan, our team will assist you every step of the way. With end to end solutions, covering every aspect of your life, our representatives allow you to pick the best personal loans online.

Benefits & Features

Quick Approval

When you choose a personal loan from Nitstone Finserv, you can expect approvals within 5 minutes. Fill up the online application form, and we are ready to assist you with any information regarding loan eligibility criteria or documentation. Once approved, our representative will get in touch with you and confirm plans for loan disbursal.

Disbursal within 72 hours

One of the biggest benefits of obtaining loans from Nitstone Finserv is its extremely fast disbursal time. You can expect the funds to be in your account within 72 hours. Nitstone Finserv is proud to have the fastest disbursal time among all other NBFCs in India.

Flexible Repayment Plans

When you pick a personal loan and apply online at Nitstone Finserv, you can receive instant approval of up to INR 25 lakhs. The loan can be repaid in easy monthly instalments ranging from 24 to 60 months. Use our efficient personal loan EMI calculator to calculate your monthly repayment options and choose a tenure that best fits your requirement.

Eligibility & Documents

Documents Required for New To Credit Loans:


  • Residential Address Proof (Passport, Electricity Bill, Ration Card, Driving License, Latest Phone bill)
  • Identity Proof (Passport, PAN Card, Driving License, Voter ID Card)
  • Employee ID as proof of employment
  • Last three months’ salary slip
  • Bank account statement for the last 6 months

Nitstone Finserv offers New to Credit Loans to salaried individuals without any collaterals or guarantors. You can sit back, relax and opt for our services online from the comfort of your home.


Looking forward to visiting your dream destination? Avail a personal loan for travel from Nitstone Finserv and enjoy the vacation of a lifetime.


Ready to Apply

Apply Now

How to Apply

Step 1

Click on Apply to go to our online form. Fill in detail and submit the form.

Step 2

Get an instant approval. Select your required loan amount and tenure.

Step 3

Our representative will get in touch to collect your documents.

Step 4

Amount will be credited to your account.

Fees & Charges

For instant loan approvals online of upto INR 2 lakh

Types of fees

Charges applicable

Interest Rate

12 % to 18 %

EMI Bounce Charges

INR 500 for every bounce

Processing Fee

1 % to 2 % on Loan Amount

Penal Interest

2 % p.m.

Part Prepayment

1 % on paid part payment amount

Foreclosure Charge

1 % on principal outstanding
  • Foreclosure: charges will be applicable on the current principal outstanding.
  • Part payment made should be more than 1 EMI.