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Capital First Personal Loan - Apply Online @12.0%

4.3 stars based on 32 reviews

How much would you like to borrow?

Choose an amount between ₹50,000 and ₹5,000,000.

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Interest Amount (₹64,888)
Loan Amount (₹5,00,000)
Bank/NBFCInterest RateEMIProcessing Fees Part PaymentApply Now

12% - 18%



1.99% + GST as applicable

Rate of Interest is high ?
Rate of Interest is high ?

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Not getting the desired Loan Amount?

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Have multiple existing loans?

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Capital First Personal Loan Details

Capital First Personal Loan

Who doesn’t like to go for a vacation, give a new look to their house or make a grand thing about their daughter’s wedding? But money is always a concern – how about applying a personal loan and repaying it in installments monthly? Yes, with your monthly income, a part of it is paid to clear the principal amount and the interest. This is exactly what a personal loan can offer and Capital First is one of the best people’s financial companies to offer personal loan for various needs. This financial company has the record of consistent growth and profitability.


Institution Type: NBFC

Minimum Loan Amount: ₹100,000

Maximum Loan Amount: ₹2,500,000

Minimum Tenure: 12 months

Maximum Tenure: 60 months

Interest Rates: 12.00% - 18.00%

Fees & Charges: 1.99% + GST as applicable

Features of Capital First Personal Loan

  • Minimal documentation
  • Sanction approval without any mortgage
  • Insurance options for your Personal Loan at attractive premium
  • Faster processing
  • Foreclosure options available
  • Interest is calculated on monthly basis
  • Convenience of service at your doorstep
  • Customized offers for corporate employees & women professionals
  • Quick Loan Disbursal
  • Speedy loan approval
  • Low interest rates
  • Online loan request option available

Benefits of Capital First Personal Loan

  • Special offers, interest rates and charges.
  • Easy documentation processing & good transparency on all transactions.
  • Maximum Loan up to ₹2,500,000 for 5 years.
  • Flexible Interest Rate and special interest rates for women borrowers.
  • Very fast loan approvals.
  • Flexible repayment options which is ranging from 12 months to 60 months.
  • Zero Hidden Charges, very lowest processing fee & most convenient repayment options.
  • Can instantly check loan eligibility.
  • It offers personalized loan quotation.
  • 24/7 Customer Support.
  • There are options to check CIBIL score.
  • One of the Lowest Personal Loan Rates.
  • Convenience of service at your doorstep.
  • Personal Accident Cover Insurance.

Why should you choose Capital First for Personal Loans?

Through this you can avail loan amount up to ₹2,500,000 easily, it offers flexible repayment options up to 60 months, easy repay in EMIs is available. This company offers lowest interest rates as compared to many big banks and lenders. CIBIL score of just 700 is required while others need at least 750. They offer speedy loan approval, credit shield and hassle- free personal loan processing.

How to apply online for Personal Loan from Capital First ?

If you are looking to apply for a personal loan make sure it is completely considered post comparing other banks and companies that provide loan. Every penny of your hard earned money is valued, thus make use of Finance Buddha site to compare and decide the best loan that suits your requirements.

Irrespective of what the need is, it is essential to make sure the money you pay is the least with maximum benefits. Finance Buddha can help you with assisting on the same. As compared to other big banks, Capital First is able to offer personal loans at a very low interest rate need CIBIL score of just 700. This in itself shows that they are lenient about offering loan thus there is high probability of getting a loan even if your CIBIL score is slightly low.

It is always good to compare the rate between various banks and apply for a loan only if you have a chance of getting approved. If you are sure the loan will get rejected, it is advisable to not apply. Being rejected after applying will reflect badly on the individual more than not applying. Not many of us still know that trying for a loan at various banks in itself will reduce the CIBIL score. Thus get into such acts only when there is a need or when you are in emergency. Checking CIBIL score regularly through this manner is not appreciable and will impact your financial records.

Eligibility Criteria

Age of the Applicant: Min-23 years; Max-60 years.

Total Work Experience: 1 year & above

Gross Monthly Income: ₹20,000 & above

CIBIL Score: 700+

* Final Eligibility basis on Institutions final score and CIBIL behaviour.

Turnaround Time of Capital First Personal Loan 5 - 7 working days.

Interest Rates, Fees & Charges



Self Employed

Interest Rate

12.00% - 18.00%

12.00% - 18.00%

Loan Tenure

From 12 months to 60 months

From 12 months to 60 months

Loan Amount

₹100,000 to ₹2,500,000

₹100,000 to ₹2,500,000

Processing Fee

1.99% + GST as applicable

1.99% + GST as applicable


Min 23 years and Max 60 years

Min 23 years and Max 65 years

Prepayment Charges

Not allowed

Not allowed

Foreclosure Charges

Allowed after 24 EMI's, 5% charges up to 6 months and at 4% after that

Allowed after 24 EMI's, 5% charges up to 6 months and at 4% after that

Documents Required

For Salaried Employees:

  • Filled up loan application form.
  • 2 Passport Size Photo.
  • Copy of Income Tax PAN.
  • Identity Proof - Passport / Driving License / Voter ID / PAN.
  • Residential Address Proof - Leave and License / Registered Rent Agreement / Utility Bill (upto 3 months old), Passport.
  • Income Documents – 3 months’ pay slip, 2 years Form 16, 3 months bank statement showing salary credit and any EMI debit.

For Self-Employed Individuals:

  • Filled up loan application form.
  • 2 Passport Size Photo.
  • Copy of Income Tax PAN.
  • Identity Proof - Passport / Driving License / Voter ID / PAN.
  • Residential Address Proof - Leave and License / Registered Rent Agreement / Utility Bill (upto 3 months old), Passport.
  • Income Documents – 0 years audited financials, 6 months bank statement.
  • Business proof such as VAT / service tax registration, incorporation details in case of companies, business address proof.
Frequently Asked Questions

ReviewsView All

Rahul Anand

4 / 5

Reached Finance Buddha with one of my friend's suggestion, and applied for a personal loan through Capital First. The processing started within one hour. The process started with a confirmation call followed by document collection and finally ended with money disbursal in just 7 days.
Naveen C

5 / 5

Keep up the good work! Processing is fast and they maintain transparency in their system.
Kumar Peeyush

5 / 5

Generally, a personal loan application takes a long time to process as it is an unsecured loan and lender is a high risk and hence they need to verify it more efficiently. But still Capital First processed my personal loan so fast, that it got disbursed to me on the 6th day.
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