Your Questions Answered!
You have questions, we have answers. Here are the answers to the
most common inquiries
regarding our loans and related services.




A1 loans offers three different types of loan options for all applicants, provided they meet the eligibility criteria, i.e.,
- Personal Loans
- Loans Against Property
- SME Loans
We have a web application process for any kind of loan. (The entire process takes place online, from application to disbursal)
At A1 Loans, we lend ₹15,000 to ₹1,00,000 for salaried individuals at competitive rates.
A personal loan is an unsecured credit (Provided without any collateral or security) provided by A1 loans to individuals for the purpose of dealing with an immediate personal expense. Some situations where people take a personal loan are when they buy a gadget, pay for medical treatment, use it on home renovation, spend money on a wedding, finance their children’s education, etc.
The significant benefits that A1 Loans offers are,
- Competitive Interest Rates
- Complete Online Process
- Quick Sanction and Disbursal
- Flexible Repayment Tenure
Upon the payment of a minimum of 6 EMIs, the applicant will have the option to foreclose the loan in full or in part towards the outstanding principal amount without any pre-payment charge if the loan is repaid from its sources.
To be eligible for a loan at A1 Loans, the applicant must have a credit score of more than 650.
To obtain a personal loan from A1 Loans, you don't need to provide any security, collateral, or guarantor.
Yes. We consider your credit score one of the major factors in determining whether your personal loan application should be sanctioned. A good credit score will increase your chances of getting a personal loan from A1 Loans.
We use the diminishing balance method to calculate the rate of interest on all our loans.
We incur a restricted amount of cost during the loan processing and disbursal, and the processing fee is charged accordingly.
The lock-in period for a personal loan is 3 months, post which the early repayment of the entire loan amount can be done.
Insurance is the subject of solicitation. We recommend that you protect your loan obligation against unforeseen events so that your family does not have to pay back the loan on your behalf.
The deduction with regard to the insurance charges is made from the disbursal amount.
Once submitted, the application can no longer be edited. However, the applicant has the access to view their complete application.
Taking a co-applicant is based on the applicant’s credit score; however, a co-applicant is not mandatory in most cases.
Online mode is the easiest way to keep track of your loan application status. At A1Loans, you can track the status of your loan using the mobile number provided at the time of registration. If you still need to check offline, please contact us at 9789011874 between 9:00 a.m. and 6:00 p.m., Monday through Saturday (except for public holidays and Sundays).
If your loan application status is not displayed on the portal, you are advised to contact us at 9789011874 or info@a1loans.in.
If your loan application has been rejected, there might be a number of reasons behind it. NBFCs consider several factors, such as your credit score, other active loan accounts, credit history, and loan repayment history. If your loan application has been rejected, there is a high chance that one or more of the criteria mentioned above still need to be fulfilled. In such cases, the best option would be to wait for your credit history and credit score to improve and then apply for the same.