BrightLoans Personal Loan
Offered by Avinash Capital Markets Pvt. Ltd. (RBI licence number published as 05.00580) and Unifinz Capital India Ltd. (RBI licence number published as 14.00233)
BrightLoans is a digital lending marketplace operated by Vimanotech India Private Limited that offers short-term personal loans from its RBI-registered NBFC partners, Avinash Capital Markets Pvt. Ltd. and Unifinz Capital India Ltd. It is aimed at salaried and self-employed borrowers looking for a small, quick loan with minimal paperwork.
Interest rate
—
Loan amount
₹5,000 – ₹1.2 L
Tenure
—
Processing fee
Up to 10%
As of 9 Nov 2026, from the lender's official website. Final terms depend on your profile and are confirmed in the Key Fact Statement.
Check eligibility & apply →Key benefits
- Loan from ₹5,000 to ₹1,20,000
- Tenure of up to 45 days
- Interest starting from 1%
- Loans funded by RBI-registered NBFC partners Avinash Capital Markets and Unifinz Capital India
- APR disclosed as up to 486.67%
- Processing fee up to 10%
- Minimal documentation; application is fully digital
- Repayment only through the official BrightLoans repayment link
Best for
Short-term emergency cash for salaried borrowers
Pros
- Lending partners and their RBI licence numbers are published
- Maximum APR and processing fee are disclosed upfront
- Short-tenure option for urgent small expenses
Cons
- Very high cost: APR can be as high as 486.67%
- Processing fee of up to 10% is deducted from a small loan
- Exact loan amount and tenure limits are not formally stated outside the calculator — check the KFS before accepting
Eligibility
- Salaried individuals aged 24 to 56
- Minimum monthly salary of ₹25,000, credited to a bank account
- Eligibility depends on income, credit behaviour and repayment capacity
Frequently asked questions
Who lends BrightLoans personal loans?
BrightLoans lists Avinash Capital Markets Pvt. Ltd. and Unifinz Capital India Ltd. as its RBI-registered NBFC lending partners. Your loan agreement and KFS name the specific lender.
How expensive is a BrightLoans loan?
BrightLoans discloses an APR of up to 486.67% and a processing fee of up to 10%. Compare the total repayable amount in the KFS before you accept.
How should I repay a BrightLoans loan?
BrightLoans asks borrowers to pay only through its official repayment link and not by direct bank transfer to any individual.
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ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by Avinash Capital Markets Pvt. Ltd. (RBI licence number published as 05.00580) and Unifinz Capital India Ltd. (RBI licence number published as 14.00233), which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.