Steps to Apply for Instant Personal Loan Here are the common steps to apply online: Choose a trusted lender or NBFC like SuryaLoan Fill in your Basic details and employment details Upload the Minimal documents Complete KYC verification Wait for approval and loan disbursal in minutes If you’re a salaried professional in Delhi with a low CIBIL score, start with RBI-registered NBFCs and use a personal loan app for quicker processing