RapidCheck

Personal Loan Eligibility Checker

Estimate the personal loan amount you can borrow.

Last updated: 20 Aug 2026

Quick answer

Personal loan eligibility uses FOIR — your affordable EMI (up to ~50% of income after existing EMIs) converted into a loan at the personal-loan rate and tenure. Enter your income and details above for an estimate.

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Estimate your personal loan eligibility using the FOIR method. Personal loans are unsecured, so rates are higher and lenders weigh your credit score heavily.

How to check personal loan eligibility

  1. 1 Enter your net monthly income and existing EMIs.
  2. 2 Add the personal-loan rate and tenure.
  3. 3 We estimate your eligible loan amount.

Frequently asked questions

How much personal loan can I get?
Typically based on FOIR — your affordable EMI after existing obligations — plus your credit score and employer profile.
Why are personal loan rates higher?
They are unsecured (no collateral), so lenders charge more to offset risk.
Does credit score matter?
A lot — a higher score improves both approval odds and the interest rate offered.

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