Instant Personal Loan in Kerala

Known as “God’s Own Country,” Kerala is a beautiful state in India with a unique blend of natural beauty and culture. The lush green paradise is full of serene hill stations and pristine beaches.

Whether you’re a resident of Kerala in need of money or going for a vacation there and need funds for the same, an instant loan is the best way to get money you need. You can use the money for anything you want like booking tickets, buying a gadget, medical emergency or paying off utility bills.

There are many lenders like Zype from where you can get an urgent cash loan in Kerala within minutes. The loan application process is completely app-based and there is no need for any physical paperwork.

If you want a loan experience that feels like a breeze, download the Zype app now. You can get personal loans up to ₹5,00,000 in Kerala with same-day disbursal and convenient repayment options of 3, 6, 9 and 12 EMIs. In fact, it takes less than 8 minutes to complete the loan application on Zype and your credit limit is generated within 60 seconds.

Benefits of Taking a Zype Personal Loan in Kerala

Loans up to ₹5,00,000

You can transfer ₹1,000 to ₹5,00,000 from Zype credit line to your bank account in a single tap.

Approval and Disbursal

Instant approval

Once you enter your name, PAN, mobile number and employment information, your credit limit is generated in less than a minute.

No Collateral Required​

No Hidden Charges

No need to stress about any hidden charges. You get all the necessary information like your interest rate and processing fee in your loan terms when you apply for the loan.

Competitive interest rate

No Documentation

You don’t have to upload any documents or submit any physical paperwork to borrow money from Zype.

No documentation or paperwork

Flexible EMIs

Zype gives the option to choose the repayment tenure from 3, 6, 9 and 12 EMIs.

Collateral free loans

Affordable Interest Rate

If you want to get a low-interest personal loan in Kerala, complete the loan application process at Zype and get a personalised offer. The interest rate at Zype starts from 1.5% per month.

Collateral free loans

How to Calculate EMI Amount for an Instant Personal Loan in Kerala

When you avail an instant loan, you get the option to choose the number of EMIs to repay the personal loan. Before taking this decision, it’s a good habit to check the EMI amount you would need to pay for different loan tenures. This way, you can choose the loan amount and repayment tenure that’s aligned with your budget.

Using an personal loan EMI calculator is the easiest way to make these calculations. All you need to do is enter the loan amount, loan tenure and annual interest rate. This will show you the amount that you would need to pay every month for different repayment periods.

Personal Loan EMI Calculator

Loan Amount (in rupee)



Interest Rate (in %)



Loan Term (in months)



Total Interest Payable

Total Payment
(Principle + Interest)

Your EMI is

Eligibility Criteria for Online Personal Loan in Kerala

You can only get a personal loan in Kerala from a lender if you meet their eligibility criteria. Loan apps take into account factors like documents, age, credit score, work experience and salary to approve loan applications. One should always check the eligibility criteria of a lender on their website before applying for a loan. Here is Zype’s eligibility criteria for personal loan


18 years or above

Citizen of India

Valid PAN & Aadhaar card

Work experience
Work experience

Salaried individual

15000 Salary
Monthly Salary

Monthly income of at least ₹15,000

Documents Required for Easy Personal loan in Kerala

Before approving your online personal loan in Kerala, lenders ask for required documents to calculate your loan offer and prevent fraudulent activities. Though documents required by a lender depend on their credit policies and loan approval process, they usually ask for identity proof, address proof and income proof.

To get a personal loan from Zype, you only need these –

Mandatory documents

Photo Identity Proof

You don’t have to upload any documents for this. You would only need to click a selfie to complete KYC once your credit offer is generated.

Proof of photo identity

Mandatory Documents

Zype only asks for PAN and Aadhaar number.

Proof of Income

Income Proof (optional)

You can easily avail an urgent cash loan in Kerala without submitting income proof. In case you want to upgrade your credit limit, Zype gives the offer to upload bank statement of the last four months.

Personal loan Interest Rate in Kerala

If you are looking for a low-interest personal loan in Kerala, you are at the right place. Install the Zype app and enter basic details like name and PAN to get your personalised loan and interest rate offer. Your interest rate for personal loan will be calculated on the basis of factors like your credit score and repayment history.

Here are the interest rate and other details of the Zype loan app –

Minimalist Table
Loan Amount ₹1,000 to ₹5,00,000
Interest Rate Starting at as low as 1.5%(monthly)
Loan Processing Charges Processing fees from 2% to 6% on every loan
Interest on Overdue EMIs Penal interest & late fees will be charged to your total outstanding loan on daily basis
Loan Tenure 3-12 months

How to Get an Online Personal Loan in Kerala from Zype

If you’re looking for the fastest personal loan experience in Kerala, you’re at the right place. Download the Zype app and complete these simple steps –

1) Enter your name, PAN, mobile number and employment details.

2) Your credit limit offer will be generated within 60 seconds.

3) Now you can complete the KYC process by taking a selfie and entering your Aadhaar number.

4) Now you can enter the loan amount and select your repayment tenure.

5) You can transfer the money from the credit line to your bank account in a single tap.

5) You can transfer the money from the credit line to your bank account in a single tap.

Frequently Asked Questions