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    We found 1 Fullerton Personal Loan Eligibility Calculator
    Bank Name
    Interest Rate Range
    Processing Fee Range
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    Tenure Range
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
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    Response Time : Within 30 minutes
    Paperless approval available
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    Fullerton Personal Loan Eligibility Calculator is Rated as "Pretty good" by 3151 Users

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    Fullerton Personal Loan Eligibility Calculator

    One-day approval. Paperless. And low interest rates!Explore Personal Loans

    About Fullerton India Personal Loan

    Fullerton India personal loans offer a quick and easy way to secure the finance you need to meet those large obligatory expenses that arise in our lives like weddings or family vacations, and even those that take us by surprise like emergency hospitalizations. Personal loans from Fullerton India are totally unsecured, needing absolutely no collateral or guarantor, and offer unmatched flexibility in terms of what the loan can be used for. They have a quick loan application and approval process, and offer excellent repayment terms and interest rates.

    Cash crunch giving you the blues? A Personal Loan is the answer!Explore Now

    Fullerton Personal Loan Eligibility for Salaried and Self-employed Applicants

    Particulars Salaried Self-Employed
    Age(Min-Max) 21 – 58 years 21 – 60 years
    Minimum Income Taxable income. Taxable revenue turnover for both individual and business.
    Co-applicant Not required Not required
    Loan Tenure 12 – 48 months 12 – 48 months
    Maximum Loan Amount Rs.20 lakh Rs.30 lakh
    Employment/Business Continuity 3 years of continued employment. 3 years of continued business with taxable returns.
    CIBIL Score 750 and above 750 and above

    Check out: Fullerton Pesonal Loan Interest rates

    Factors affecting Eligibility of Fullerton India Personal Loans

    The primary factor that affects a borrower’s eligibility is his/her ability to repay the loan. Lenders judge this through a variety of parameters, like:

    • City of residence. From the point of view of the lender, personal loans are more easy to approve in cities like Bangalore, Delhi, Chennai, Mumbai, Kolkata, etc.
    • Income. Lenders don’t approve loans whose EMIs will be more than 50% of your take home salary, per month. The more you earn, the more you’ll be able to pay back in the form of EMIs.
    • Your age. If you’re too young, you’re a risky candidate as young salaried people shift jobs often to exploit opportunities. Older applicants between the ages of 26 – 40 who’ve been working steadily for a few years are more eligible, as they’re more stable.
    • Duration of stay in current location. The longer you’ve been living in a certain place, the higher are the chances of getting a personal loan approved on your terms. Fullerton India will give more preference to applicants who’ve lived in the city for over 2 years, even though the minimum criteria for eligibility is 1 year.
    • Employment status. Simply having a job doesn’t make one eligible for a loan from Fullerton India. Having a few years of work experience from the same employer shows stability and reliability, increasing your eligibility.
    • Residence type. Applicants who live in a residence that’s owned by them are more likely to get a loan approved, and on better terms. This is because there’s no part of their income being spent on rent. People living in rented houses must pay an amount of their salary as rent, lowering the disposable income left over to pay EMIs. Also, it’s easier for a person living in a rented place to abscond in case they feel they cannot keep up with EMI payments.
    • Type of employment: Salaried professionals and employees get regular incomes on fixed dates and can have EMIs due deducted directly from their salary accounts. Self-employed people must rely on market conditions and the demand for their products in order to earn an income. This is an inconsistent income that may sometimes not even be enough to meet the EMI payment requirement.

    How CIBIL score affects your Fullerton India Personal Loan Eligibility?

    While a CIBIL score of over 750 will make you eligible for a Fullerton India personal loan, scores closer to 900 will help increase eligibility, as this score is a direct representation of your creditworthiness.

    In the past, if you’ve been unable to repay your loan and have arranged for a settlement with the bank, it will considerably reduce your eligibility.

    Your previous loan and credit card repayment history will also play an important role in instilling confidence in Fullerton India that you can and will repay your personal loan. A ratio that shows you’ve taken more secured loans than unsecured loans works in your favor.

    Apply for Personal Loan

    How to increase Fullerton India Personal Loan Eligibility?

    • Maintain a good mix of secured and unsecured loans. Secured loans are looked at more favourably.
    • Lower EMIs on existing loans. Taking loans for longer tenures reduces the EMIs paid monthly, thus showing that you have more funds to pay back your Fullerton India personal loan with.
    • Prepayment. Paying off your existing loans before taking a new one is highly advised. A lump sum prepayment will settle your existing loan, increasing your eligibility for your new Fullerton India personal loan
    • Don’t over-leverage yourself. Overleveraging is when you take on more loans than you can repay. If you have 2 – 3 EMIs being deducted from your account, Fullerton India will not help you to add one more, until you’ve finished honoring all your payments.
    • Maintain a clean credit history. Ensure that you always clear your debt, on time and on the terms you’ve agreed on with the lender. This increases your CIBIL score, and eligibility.

    How to apply for Fullerton India Personal Loan

    FAQs on Fullerton India Personal Loan Eligibility

    Q. What are the age limits for individuals who wish to get a personal loan from Fullerton India?

    A. For salaried individuals: Applicants must be between 21 and 58 years of age to apply for a Fullerton India personal loan.

    For self-employed and salaried professionals:Applicants must be between 21 and 60 years of age.

    Q. What is the level of work experience required for salaried individuals who wish to take a Fullerton India personal loan?

    A. Applicants must have been employed for a minimum total of 3 years with the current employer.

    Q. What is the income requirement for people who wish to take a Fullerton India personal loan?

    A. For salaried individuals:Regular income of at least Rs.12,500 per month.

    For self-employed and salaried professionals: Regular income of at least Rs.15,000 per month.

    Q. Is there any collateral or guarantor required for Fullerton India personal loans?

    A. No, there is no security, collateral or guarantor required to avail a personal loan from Fullerton India.

    Q. What is the maximum loan amount that can be sanctioned through Fullerton India personal loans?

    A.Loans are sanctioned up to Rs.20,00,000 for salaried individuals and up to Rs.30,00,000 for self-employed individuals and professionals.

    Q. Are there any foreclosure options on personal loans for Fullerton India?

    A. Foreclosure or prepayment is possible after 6 months of regular EMI payments.

    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

     

    Personal Loan Reviews

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    • Fullerton Personal Loan
      "Good experience"
      0.5 4.0/5 "Great!"
      I felt the experience with Fullerton to be very good. The whole process took very little time. The paper work involved were minimal. I felt the rate of Interest also to my liking, I found a correct Financial service in the correct time. Their customer service is also good.
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      , vijayawada
      Reviewed on Oct 16, 2017
    • Fullerton Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I experienced a bit of delay with FULLERTON for the personal loan. It took at-least 20 to 25 days to get the loan amount. The process of document collection was smooth, where an executive came over and collected the documents on time at one shot and everything was fine. The rate of interest was quit high and the processing charges as well
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      , hyderabad
      Reviewed on Oct 15, 2017
    • Fullerton Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The Fullerton personal loan tenure is for 4 years. The rate of interest which they have offered was high when compared with others. The customer service is good with Fullerton and they just taken 4 days to disburse my loan amount. I am satisfied with the loan amount.
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      , nagpur
      Reviewed on Oct 14, 2017
    • Fullerton Personal Loan
      "Bad"
      0.5 1.0/5 "Really Bad"
      Customer service was not up to the mark i would say for FULLERTON INDIA . They provided me 33% of floating rate of interest which was serious high and the processing fee they charged was 6k they did not approve me the whole amount they only gave approval of one lakh as i asked for two 2 lakh . They charged me twelve thousand for no reason and every thing was told me to in a proper way.
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      , belgaum
      Reviewed on Oct 14, 2017
    • Fullerton Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      Customer service was good one with the Fullerton and the response was fine with them for the personal loan. I am totally happy with the Fullerton and I don't have any issues with them.
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      , bhopal
      Reviewed on Oct 13, 2017
    • Fullerton Personal Loan
      "Satisfied"
      0.5 3.5/5 "Pretty good"
      I have got the personal loan with the Fullerton for the interest rate as 33%. I would like to say that the customer service was good one for me and the loan amount got disbrused within a week of time.
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      , jamshedpur
      Reviewed on Oct 13, 2017
    • Fullerton Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan from FULLERTON, i am very happy that my loan application was approved and the required loan amount was disbursed. The customer service and response was very good, i did not expect that the process will be very fast and my loan amount was approved within a week so i am very much satisfied. The rate of interest was nominal when compared to other sources.
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      , bangalore
      Reviewed on Oct 13, 2017
    • Fullerton Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Fullerton was good in the services and process and the experience has been good.The drawback is I did not get the loan as per my expectations,They have charged me so much and the Rate of Interest was also very high,need to look into it,Fullerton took normal time to complete the process, and their services where good and the executive came and collected the documents It took with in a weeks to complete the entire process.
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      , hyderabad
      Reviewed on Oct 13, 2017
    • Fullerton Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Fullerton was good in the services and process and the experience has been very good as I got the loan as per my expectations.Customer service and response was good. Fullerton took normal time to complete the process, and their services where good and the executive came and collected the documents It took 20 to 25 days to complete the entire process.Honestly speaking the loan would have got disbursed before hand, as I was not in station the process was extended a bit.
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      , new delhi
      Reviewed on Oct 13, 2017
    • Fullerton Personal Loan
      "Nice site"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com site is very nice and quick loan Very good service as of now. Customer service is very good, response is very fast and as per customer's convince. Multiple options for customer to choose with, be it any type of product, customer response, etc. Over all bankbazaar is doing a great job.
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      , thane
      Reviewed on Oct 13, 2017
    • Fullerton Personal Loan
      "Huge Interest Rate"
      0.5 1.0/5 "Really Bad"
      It was an emergency that I took a loan with Fullertron, and that would all be the reason. I had a very bad experience with them. First of all I asked for Rs.1 Lakh but the amount that got approved was Rs.83000. When it came to hand the actual amount that I recieved was around Rs.72000. With the interest rate of 33% the whole thing looks to redicolous to handle.
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      , bharuch
      Reviewed on Oct 13, 2017
    • Fullerton Personal Loan
      "Average service"
      0.5 2.0/5 "Expected more"
      Fullerton executive came to my place and collected my required documents and they have done with their verification process. They have taken around a week time to disburse my loan amount. The rate of interest is high with Fullerton when compared with others. I got the insurance along with the personal loan but they haven't provided new health cards.
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      , guntur
      Reviewed on Oct 12, 2017
    • Fullerton Personal Loan
      "Overall process is good"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan from Fullerton and the process is excellent. I got the loan on time and I am happy that the loan amount that was disbursed as per my request. I was also comfortable with the interest rate and processing charges. It is normal.
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      , thiruvananthapuram
      Reviewed on Oct 12, 2017
    • Fullerton Personal Loan
      "Interest rate should be reduced"
      0.5 3.0/5 "Satisfactory"
      Fullerton India gave me 33% of interest it was extremely high. Hence I transfered the loan into ICICI, I took the amount of Rs.1 lakh for the tenure of four years. Fullerton charged me balance transfer processing fee as Rs.7000 its really bad.
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      , jorhat
      Reviewed on Oct 12, 2017
    • Fullerton Personal Loan
      "Very high interest rate"
      0.5 2.0/5 "Expected more"
      The application process was very simple and took me very few days to complete all the formalities. I had a good experience with them. To be frank the interest rate of 27.5% is very high. They informed me that rate of interest would be reduced but nothing as such has happened untill now.
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      , mumbai
      Reviewed on Oct 12, 2017
    • Fullerton Personal Loan
      "Service is good. But very high on rate of interest"
      0.5 4.0/5 "Great!"
      Overall it was very good experience Fullerton for the personal loan. The process was on time. My paper work was collected on time and the loan amount was as per my expectation. The major drawback is the extreme high rate of interest. I was offered a rate of around 30%.
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      , guwahati
      Reviewed on Oct 12, 2017
    • Fullerton Personal Loan
      "average service"
      0.5 2.0/5 "Expected more"
      I am not happy with the service of FULLERTON ,I have submitted 60 % of my documents which they as still there was no proper response from them ,customer service is not even helpful ,I am very much disappointed with their overall service of FULLERTON for my personal loan service.
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      , eluru
      Reviewed on Oct 11, 2017
    • Fullerton Personal Loan
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      It has not been a very satisfactory experience also with Fullerton the loan amount which i opted for that i dint receive,Initially they said the loan amount i opted for is 1.9 laks.later they informed me that loan amount 1.9 cannot be process only 1.3 laks can be processed when i asked y this much low amount they said they can process this much only,,documents have been submitted my myself,i did not receive any statement Rate Of Interest was 33% and processing fee was 10000/- and 6000k was charged separately that which i don't know for what. I applied loan on 25th of Jan and received amount on 3rd Feb.
      Was this review helpful? 0

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      , jabalpur
      Reviewed on Oct 09, 2017
    • Fullerton Personal Loan
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      It has not been a very satisfactory experience also with Fullerton the loan amount which i opted for that i dint receive,Initially they said the loan amount i opted for is 1.9 laks.later they informed me that loan amount 1.9 cannot be process only 1.3 laks can be processed when i asked y this much low amount they said they can process this much only,,documents have been submitted my myself,i did not receive any statement Rate Of Interest was 33% and processing fee was 10000/- and 6000k was charged separately that which i don't know for what. I applied loan on 25th of Jan and received amount on 3rd Feb.
      Was this review helpful? 0

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      Thanks, you've already rated this review

      , chennai
      Reviewed on Oct 09, 2017
    • Fullerton Personal Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      My personal loan with FULLERTON was good It was 4 to 5 years before.It met my exception level for the loan and In term of interest and process fee was really high when compare to other bank its around 35% Rate of Interest.Overall inexperienced and ineffective.Everything was OK Just Rate Of Interest was high that disappoints me.
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      , chandigarh
      Reviewed on Oct 08, 2017
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