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A pre-approved Personal Loan is an instant loan facility for selected customers. This does not require any collateral or security. If a person has a good credit history, he/she becomes eligible for a pre-approved Personal Loan. This has a quick processing time and loan gets disbursed in seconds.
ICICI Bank pre-approved Personal Loan is generally offered to customers having a good credit history or who have a clean track of repaying their dues. It is also offered to customers if they have no credit history referring to parameters like income and saving history. If you are an ICICI Bank customer, you can log in to Internet Banking using iMobile app or through www.icicibank.com to check your eligibility.
The pre-approved Personal Loan amount differs for every individual. The maximum pre-approved amount can go up to Rs 50 lakhs* which considers customer’s credit history as well as loan repayment cycle. To repay the loan, you can opt for tenure ranging from 12 months to 60 months which will make the loan repayment process easy for ICICI Bank customers.
Sample Personal Loan Calculation
| Loan Amount | Rs. 1,000,000 |
|---|---|
| Interest Rate | 11.25% per annum |
| Loan Term | 60 Months |
| Monthly EMI | Rs. 21,867 |
| Processing Fees | 1.25% of loan amount plus GST |
*The values shown are for representation purposes only. Actual values may differ.
How to Avail Pre-approved Personal Loan
You can apply for ICICI Bank pre-approved Personal Loan in just 4 steps:
Step 1: Fill the application form:
- Apply through iMobile app or www.icicibank.com
- Visit the nearest ICICI Bank branch
Step 2: Select your required loan amount and tenure.
Step 3: Amount will be credited to your account.
You can apply for ICICI Bank pre-approved Personal Loan in just 4 steps:
Step 1: Fill the application form:
- Apply through iMobile app or www.icicibank.com
- Visit the nearest ICICI Bank branch
Step 2: Select your required loan amount and tenure.
Step 3: Amount will be credited to your account.
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