Check your personal loan eligibility
Find out in under a minute. It’s free, there’s no paperwork, and it has no impact on your credit score.
Your answers stay private.
Check your eligibility
Enter your mobile number to get started.
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Your next step is in the Rinn app. Download it from Google Play to finish your application and see what the lender can offer, with every cost shown before you say yes.
Download Rinn (opens Google Play)How is personal loan eligibility calculated?
There’s no single formula. Here’s what counts, and what the lender looks at together:
- How you earn. Salaried, self-employed or business, freelance or gig: every way of earning can apply.
- What you already repay. Lenders look at how much of your monthly income already goes to EMIs, sometimes called FOIR (fixed obligations to income ratio). The less that’s committed, the more room there is for a new EMI.
- Your credit profile. Your repayment record, if you have one. No credit history? That doesn’t automatically rule you out.
Checking here isn’t approval. The lender decides after you apply in the Rinn app, and you see your rate, EMI and every charge before you say yes. Personal loan eligibility criteria →
Frequently asked questions
Does checking my eligibility affect my credit score?
No, this check has no impact on your credit score. You only enter your mobile number and give your consent.
Is the eligibility check really free?
Yes, it’s free and needs no paperwork. Applying through Rinn is free too.
What happens after I enter my mobile number?
You’ll see your next step on the page: download Rinn from Google Play to finish your application. By ticking the consent box, you agree that Rinncrest may use your number to contact you about loan eligibility and related services, as described in the Privacy Policy.
Does this check mean my personal loan is approved?
No, checking here isn’t approval. The lender decides after you apply in the Rinn app, and you see your rate, EMI and every charge before you say yes. Our lending partners are RBI-regulated NBFCs and banks.
What income do I need to be eligible for a personal loan?
There's no fixed minimum income to apply. The lender looks at your income and how regularly it arrives, alongside what you already repay. Salaried, self-employed, freelance and gig earners can all apply if they meet the conditions. See the full eligibility criteria.
Can I check my eligibility if I have no credit history?
Yes. Having no credit history doesn’t automatically rule you out, and eligible applicants who are new to credit are welcome. The lender looks at your whole profile, including how much of your income already goes to EMIs.
Rinn is the personal loan app from Rinncrest. Loans through Rinn are open to salaried, self-employed, freelance and gig earners who meet the conditions, including eligible applicants who are new to credit, from ₹10,000 to ₹2,00,000 over 3 to 24 months. Applying is free.