The SBI Xpress Credit Personal Loan is one of the fastest and most convenient ways for salaried individuals to access quick funds directly into their SBI account. Whether you need to pay medical bills, fund travel, manage wedding expenses, or consolidate existing loans — SBI’s Xpress Credit Loan gives you up to ₹20 lakhs without any collateral or lengthy paperwork.
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✨ Key Features of SBI Xpress Credit Loan
- Loan Amount: ₹25,000 to ₹20,00,000
- Tenure: 6 months to 6 years
- Interest Rate: Starting at 10.10% p.a.
- No security or guarantor required
- Quick approval through SBI YONO app
- Zero prepayment penalty after one year
- Available for government, PSU, and corporate employees
🧾 Eligibility Criteria
- You must be a salaried individual with a salary account in SBI.
- Minimum monthly income: ₹15,000.
- Employment: Central/State Govt, PSU, or listed private companies.
- Minimum age: 21 years | Maximum: 58 years.
- Good credit history with consistent salary credits.
📋 Required Documents
- Latest salary slip or salary certificate
- Employment ID card
- Bank statement (6 months)
- PAN and Aadhaar card
- Passport-size photograph
💡 Benefits of SBI Xpress Credit Loan
- 100% digital process via YONO app
- Fast disbursal within minutes for eligible users
- Special discounts for existing SBI customers
- Instant EMI calculation before applying
- Balance transfer option available
⚙️ Step-by-Step: How to Apply via YONO SBI App
- Open the YONO SBI App on your smartphone.
- Login using your internet banking credentials.
- Go to “Loans → Personal Loan → Xpress Credit.”
- Enter your desired loan amount and tenure.
- Upload salary and ID proof documents.
- Review the offer and confirm your application.
- Loan amount will be credited instantly to your SBI account.
📊 EMI Calculator
📱 Top 5 Best Apps to Compare SBI Xpress Credit Loan
1️⃣ PaySense
Get instant loan offers from SBI and other banks with EMI comparison tools.
2️⃣ KreditBee
Offers personal loans from ₹10,000–₹2 lakh for salaried professionals.
3️⃣ Money View
Check pre-approved offers including SBI Xpress Credit instantly.
4️⃣ CASHe
Fast disbursal for short-term loans and salary advance needs.
5️⃣ Navi App
Compare interest rates and apply for SBI or other partner banks easily.
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Disclaimer: This page is for informational and educational purposes only. We do not promote or guarantee any financial product. Always check with official SBI sources before applying.