faircent personal loans


upto 75,000 Loan Amount
3 months Moratorium Period
switch to EMIs at end of 3 months
Part Payment and Foreclosure Allowed

Eligibility criteria

Minimum Income:
20K/mth for Salaried or 2 Lacs as per ITR for Business
Good Credit History
No Overdue Credit Repayments
Min 1 Yr Work Ex
or 2 Yrs Business Stability
First name should include aphabets only & should be atleast 3 characters long.
Last name should include aphabets only & should be atleast 3 characters long.
PAN number can't be empty & should be a valid one.
Password can't be blank.
Mobile No must have 10 numbers.
OTP must be a valid non-empty numeric value.


Please choose gender.
Please enter DOB.

residential address

  • Please select state.
  • Please select city.
  • Please choose pincode.
  • loan amount

  • loan purpose

Employment Type

Salary can't empty and can have numbers only.
I have read and agree to the TERMS OF USE and PRIVACY & SECURITY POLICY. I authorize faircent.com to make any enquiries with any finance company or bank or registered credit bureau regarding my credit history with them.
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The Faircent Experience

“I was looking to borrow money for house renovation and I didn’t want to go through the hassles of unending paper work. A friend suggested Faircent.com. Initially I was a bit skeptic about paying the activation fees but once I got the account activated…WOW. I couldn’t believe how fast and smooth the entire process became. I got the money, the renovation is done and I chalked out a great deal with my respective lenders to keep everything easy on my pocket too.”

user review - faircent personal loan


Faircent Anti-Lockdown Loan

We all are facing unprecedented times and it is a time that we need to be together to fight this COVID-19 crisis. The governments coming around to support its people by infusing funds into the economy, raising donations, extending various deadlines, offering moratoriums on repayments etc.

We understand the current situation and many small businesses and individuals are looking for some additional cash to survive.

Faircent believes in extending a helping hand in tough times and considering the current situation, we have launched a new product named as ‘Anti-Lockdown Loan’ which will help you in financial crunches.

In Anti-Lockdown Loan you need to worry for EMIs for next 3 months and you are also free to make part payments or foreclosure as per your pocket.

At Faircent.com, we are committed to provide easy and fast access to online Anti-Lockdown Loans at the lowest interest rates. Faircent.com is India’s largest peer to peer (P2P) lending website where borrowers deal directly with registered lenders thereby removing intermediary costs and margins of banks and financial institutions.

At Faircent.com, the guiding philosophy is to make the borrowing process simple for anyone who needs a personal loan. Every borrower is identity-verified, credit-checked and risk-assessed on the basis of documents received from them. The automated underwriting engine determines the maximum loan amount, rate of interest and the loan tenure at which you can avail a personal loan. The recommended rate of interest ranges from 12% p.a. to 28% p.a. and the loan tenure ranges from 6 months to 36 months. An individual can take a loan from ₹ 30 thousand to ₹ 7.5 lacs and for business purpose up to ₹ 10 lacs. So, e.g. an individual borrowing ₹ 2 lacs for 24 months @18% p.a. will have an EMI of ₹ 9985/- per month.

In order to assess your profile, process and list your personal loan requirement Faircent charges a small fee of Rs. 500/-.

So, register today to list your personal loan requirement and avail the lowest interest rates.

Faircent is the pioneer in India’s peer to peer lending market.

It is facilitating individual lenders to invest directly for higher returns and enableing credit worthy borrowers to lower costs on loans.


Started in 2014, in less than 2 years more than...

  • 188,200 Lenders have joined us
  • 4,091,227Borrowers have joined us
  • 34,471 Lacs Committed to lend
  • 83,713 Lacs Loans funded so far

Faircent in the Media

Peer to peer lending facilitator Faircent.com is eyeing business
transactions worth Rs. 2,000 crore in three to four years on rising demand for loans in the country




Anti-Lockdown Loan Terms and Conditions

  1. Processing Fees for the Anti-Lockdown loan is 5% of the loan amount and will be deducted from the disbursed amount.
  2. The borrower will be charged a penalty at a rate of 24% p.a. for repayments due beyond 5 days of due date.
  3. Maximum Loan amount is withdrawal amount ₹75,000.
  4. Minimum repayment at end first 3 months is ₹5,000.
  5. Interest rates for Anti-Lockdown down loans are calculated on a monthly basis and can vary depending on the financial health and repayment capability of the borrower.
  6. Outstanding Balance can be converted to EMIs within a period of 5 days of end of the first 3 months. Post this period the loan is considered to be defaulted.
  7. Repayments will be auto-debited through NACH or e-mandate as they are due. Additional charges apply in case of dishonour of these repayment requests.
  8. Faircent reserves the right to offer or decline an Anti-Lockdown loan to a borrower at its sole discretion.
  9. Anti Lock down loans are subject to terms of use of Faircent.com.
  10. If an outstanding balance is converted to EMIs before the 15th of the month, then the first EMI will be scheduled for payment by the borrower in the next month and if an outstanding balance is converted to EMIs after the 15th of the month, then the first EMI will be scheduled for payment by the borrower in the month after the next month.
  11. Bank or Payment Gateway Charges applicable to execute repayments will be borne by the Borrower.
  12. Foreclosures or part-payments are not allowed during the first 3 months (Moratorium period).
  13. Agreements will be signed online.