Questions, answered.
Everything you would like to know about our personal loans. Can’t find your answer? Write to us at info@atn-leasing-finance.com.
What is a short-term personal loan?
It is an unsecured loan for an immediate need, such as a medical bill, school fees or a month-end shortfall. You borrow between ₹5,000 and ₹2,00,000 and repay it in monthly instalments over 1 to 12 months.
Who can apply?
Indian residents in salaried employment, aged 21 to 56, with a net monthly salary of ₹30,000 or more credited to their bank account.
How much can I borrow?
Between ₹5,000 and ₹2,00,000. The amount you are offered depends on our assessment of your income, existing commitments and credit history. Repaying on time can help you qualify for more in future.
Which documents do I need?
PAN, Aadhaar, an address proof, your last 3 months’ salary slips and the last 3 months’ statement of your salary account. See Resources for the full list.
I receive my salary in cash. Can I apply?
Not at the moment. We need to see your salary credited to your bank account to assess and approve a loan.
How long does approval take, and when will I get the money?
The online form takes under 10 minutes and you usually get a decision quickly. Once you accept the offer, e-sign the agreement and set up e-NACH, the money is sent to your bank account. We keep you updated by SMS and email.
What will the loan cost?
Interest ranges from 18% to 42% per year, plus a processing fee of 10% deducted at disbursal. Your exact rate, fees, APR and repayment schedule are shown in the Key Fact Statement before you sign. Try the EMI calculator to estimate the cost.
How do I repay?
EMIs are collected automatically from your bank account through e-NACH on each due date. You can also pay online any time from the Repay loan page.
Can I repay early?
Yes. There are no foreclosure or part-payment charges. You pay interest only for the period you used the money.
What if I cannot pay on the due date?
Contact us as early as possible, ideally before the due date, at info@atn-leasing-finance.com. We will explain your options. Missed payments attract late charges as per our Schedule of Charges.
What happens if I miss payments?
Late charges apply, and delays are reported to credit bureaus, which can lower your credit score. We will contact you by phone, SMS and email to recover the dues, always in line with our Fair Practice Code and RBI guidelines on fair recovery.
I changed my job, phone number or address. What should I do?
Please tell us right away at info@atn-leasing-finance.com so we can update your records and keep reminders reaching you.
How do I raise a complaint?
Write to info@atn-leasing-finance.com. If you are not satisfied with our response, follow the steps on our Grievance Redressal page.