You can get a ₹13,000 personal loan from Moneyview’s lending partners at interest rates starting from 14% p.a. Through Moneyview, you can get a personal loan through a 100% digital process, right from your mobile.
Loan Amount
Min ₹5,000
Max ₹100,000
Rate of Interest
Min 5%
Max 25%
Loan Tenure
6
months
Min 3 months
Max 72 months
Flexible Amount Limits
Borrow any sum between ₹5,000 and ₹10,00,000 to match your financial requirements
No Security Mandate
Avail financing without pledging physical assets or providing co-signers
Rapid Disbursal
The approved funds are credited directly to your bank account within a few hours
Economical Rates
Annual interest charges begin at a competitive 14%
Calculating your EMI helps you plan for the future and saves you from falling into debt traps. You can calculate your personal loan EMI by using our EMI calculator beforehand.
In this table, we will assume your interest rate is 15% p.a. Here are the amounts you will have to pay based on the length of your tenure -
|
Tenure |
Monthly EMI |
Total Interest |
Total Amount to be Paid |
|---|---|---|---|
|
3 Months |
₹4,442 |
₹326 |
₹13,326 |
|
6 Months |
₹2,262 |
₹575 |
₹13,575 |
|
9 Months |
₹1,536 |
₹826 |
₹13,826 |
|
12 Months |
₹1,173 |
₹1,080 |
₹14,080 |
|
15 Months |
₹956 |
₹1,338 |
₹14,338 |
|
18 Months |
₹811 |
₹1,598 |
₹14,598 |
|
21 Months |
₹708 |
₹1,861 |
₹14,861 |
|
24 Months |
₹630 |
₹2,128 |
₹15,128 |
Rajesh used a small loan of ₹13,000 to build his credit score. Let’s read his story.
Rajesh’s score dropped to 660 last year after an unpaid credit card dispute. Most lenders he approached rejected unsecured loan applications as his credit score was much under 750. Rajesh took a small ₹13,000 personal loan across a 6-month tenure through Moneyview. He closed it on time without a single late EMI, and his CIBIL climbed back up to 725 by the fourth month.
He suggests that if you're borrowing a small amount like ₹13,000, you should keep the tenure under 6 to 9 months so the total interest paid stays negligible.
Qualifying for a ₹13,000 personal loan is straightforward. You only need to satisfy the basic requirements established by Moneyview's lending partners:
Employment Status: Salaried employee or self-employed individual
Monthly Take-Home: Net income of at least ₹25,000 per month
Income Mode: Earnings deposited directly via bank transfer
Credit Rating: A baseline CIBIL score of 650 or higher
Age Bracket: Between 21 and 57 years old
Step-by-Step Guide to Applying for a ₹13,000 Personal LoanSecuring an online loan of ₹13,000 via Moneyview is effortless. Complete these four quick steps to get funded:
1
Step 1: Verify Eligibility
Assess your eligibility criteria on the Moneyview app or website in just 2 minutes.
2
Step 2: Choose Loan Terms
Pick your desired borrowing amount and an EMI tenure that fits your monthly budget.
3
Step 3: Submit Digital Documents
Upload your essential records electronically for swift identity and profile checks.
4
Step 4: Receive Fast Disbursal
Following document validation and digital agreement sign-off, the loan amount lands in your bank account in a few hours.
The actual documents required for a loan will depend on your profile. However, here are the
basic requirements -
Enter or confirm your PAN number.
Keep an active mobile number linked to your Aadhaar card for quick digital KYC.
Submit a well-lit, high-clarity selfie.
Please note: Additional document requests vary based on individual borrower profiles.
You can use these documents for identity & address proof -
Identity: Aadhaar card or PAN card.
Current Address (if your Aadhaar does not reflect your current residence or if requested): Submit any one of the following:
Aadhaar Card
Valid Indian Passport
Valid Voter ID
Valid Driver’s License
Recent utility bill (Electricity, Water, or Gas) issued within the past 60 days
Here are the documents you can submit as income proof -
For Salaried Applicants
Last 3 months’ bank account statements displaying regular salary credits.
For Self-Employed Applicants
Last 2 years’ Income Tax Return (ITR) verification forms.
The interest rates and other charges for a ₹13,000 personal loan are as follows:
|
Fees and Charges |
Amount Chargeable |
|---|---|
|
Interest Rate |
Starting from 14% per annum |
|
Loan Processing Charges |
Starts at 2% of the approved loan amount |
|
Penal Charges on Overdue EMI |
24% per annum plus applicable taxes, if any |
|
NACH Bounce |
₹ 500/- each time |
|
Loan Cancellation |
You can cancel your loan anytime before the disbursal. However, if you wish to cancel the loan after the amount has been credited to your bank a/c, you can cancel the same within the cool-off period of 3 working days. |
Need Quick Cash?
2025-08-10
This is an excellent app!! The interface is smooth, elegant, and intentional, praised for its superb design and fast performance. I really liked it, especially the solid, user-friendly layout and fast transitions.
2025-08-25
I am a regular customer of Moneyview, and it gives me full satisfaction! I get money as and when required without any paperwork. If you make payments on time, your next loan amount will be higher.
2025-09-05
It is an awesome app. It is secure, trustworthy, and comprehensive. It is also often updated with new features.
See what our customers have to say
2025-08-10
This is an excellent app!! The interface is smooth, elegant, and intentional, praised for its superb design and fast performance. I really liked it, especially the solid, user-friendly layout and fast transitions.
2025-08-25
I am a regular customer of Moneyview, and it gives me full satisfaction! I get money as and when required without any paperwork. If you make payments on time, your next loan amount will be higher.
Personal Loan by Income and Purpose
Personal Loan Insights and Guides
Loan EMI Calculators
Loan Schemes and MSME Loans
Best Personal Loan Resources
Personal Loan in Top Cities
Personal Loan Types and Comparisons
Loan Process, Terms and Rules Explained
Author Bio
Medha Goswami is a content writer with 5 years of experience. Since 2022, she is working at Moneyview as a financial writer, and turning complex money matters into clear, practical insights.We're present across the nook & corner of the country, making loans accessible, and simple!
Happy
Users
Loan
Disbursed
Locations
Served
Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
Was this information useful?
