Everything you need to know
BrightLoans is a digital lending marketplace and app operated by Vimanotech India Private Limited, which acts as a loan service provider rather than a lender. Personal loans are provided by RBI-registered NBFCs Avinash Capital Markets Private Limited and Unifinz Capital India Ltd. It lists collateral-free loans of ₹5,000 to ₹1,50,000 for 61 to 365 days, repaid in monthly EMIs.
Minimum amount:₹5,000
Maximum amount:₹1,50,000
APR:APR up to 35% per annum
Tenure:2–12 months
Repayment frequency:Monthly
Processing fee:Processing fee up to 2% of loan amount + GST. Example: ₹50,000 for 365 days at 35% APR — ₹1,000 fee + ₹180 GST, net disbursal ₹48,820, monthly EMI ₹4,998, total repayment ₹59,978.
Prepayment charges: nil. Late payment charges as specified by the lending partner.:
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Benefit 1 of 4
No prepayment penalty
Same-day approval
Same-day disbursement
Mobile app
Amount₹40,000 - ₹3,00,000
Age18-65
Amount₹3,000 - ₹45,000
Age21-55
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