Consumer Durables Loan

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Consumer Durables Loan

Are you planning to buy new home appliances or upgrade your living space? Make your dreams a reality by availing a consumer durables loan from HDB Financial Services, with up to 100% funding for your purchase.

Our loans help you cover the cost of essential consumer durables such as refrigerators, washing machines, TVs, air conditioners, microwaves, and more. You can avail of a consumer durable loan with low down payments and affordable EMIs, along with a flexible repayment tenure. This makes it easier to enhance your lifestyle without straining your savings.

Apply for a Consumer Durable Loan online at HDB Financial Services or visit your nearest HDBFS partner store to find out more.

You can enjoy a wide range of benefits when you apply for a consumer loan from HDB Financial Services.

Apply for a consumer loan online visit your nearest HDB Financial Services branch to access the best offers tailored to your financial profile.

  • No-Cost EMI and Low Down Payments*

    We offer consumer loans with No Cost EMI** and low down payments to make your purchase more affordable. At HDB Financial Services, we aim to meet your needs efficiently.

  • Easy Repayment Options

    Our consumer durable loans come with easy repayment options and convenient EMIs, ensuring a hassle-free experience while you enjoy your new purchase.

  • Minimal Documentation

    Experience a seamless application process with minimal documentation. When you apply for a consumer loan online, the entire process is paperless—simply upload soft copies of the required documents to get started.

  • Instant Approvals

    Enjoy a quick and efficient approval process. With HDB Financial Services, you won’t have to wait long to access your funds, making the loan application and approval process stress-free.

  • No Security Deposit

    Our unsecured consumer loans require no security deposit or collateral, providing you with a simple, straightforward financing option.

  • Minimum Age: 18 years.
  • Applicant should be a resident of India.

  • Identity & Address Proof - Standard KYC like PAN Card, Aadhaar Card or Proof of possession of Aadhaar number (on voluntary basis), Driving License, Voters ID, Utility Bill like Electricity bill, Postpaid Landline bill which is not more than two months old.
  • Bank account statement / passbook (updated within 90 days).
  • Passport size photo (Optional as photos are clicked at POS).

Take the next step & manage your immediate financial needs now.

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How to apply for a Consumer Durable Loan from HDB Financial Services

The loan application procedure for a consumer durable loan is very simple. You can apply from any of the following options:

    1. Visit our 'Apply Now' section

    1. Visit our 'Apply Now' section

  • Step 1: Enter your mobile number and verify it by entering the OTP (One-Time Password) sent to your phone.
  • Step 2: Fill in the Personal details.
  • Step 3: Once Your Consumer Durable loan application is submitted, a representative will get in touch with you shortly.

    • 2. Apply via ‘HDB OnTheGo’ App

    Download the ‘HDB OnTheGo’ app from the Play Store or App Store to experience a seamless personal loan journey.

  • Step 1: Open the app and enter your mobile number
  • Step 2: Verify using the OTP received
  • Step 3: Tap on ‘Apply for New Loan’ or ‘Pre-Approved Loans’ (if eligible)
  • Step 4: Fill in required details – loan amount, purpose, PAN and employment information
  • Step 5: Upload KYC documents and income proof (as applicable)
  • Step 6: Submit your application for instant processing

    • Enjoy a fully digital and paperless loan experience. Pre-approved users can get loans with minimal documentation and instant disbursal.

    3. Visit the Nearest Branch

    Prefer face-to-face assistance? Visit your nearest HDB Financial Services branch and speak to our Consumer Durable loan representative for personalized support.

    4. Apply by Phone

    Call our customer support team on +91-4442984541 and apply for an Instant Consumer Durable Loan.

    5. Visit your nearest HDBFS partner store to find out more.

*HDB Financial Services Ltd. may use the services of various agents on its behalf for the purpose of sales and marketing for HDB’s products and services.

*Terms and conditions apply, based on applicant's eligibility and financial profile

Consumer Durable Loan FAQs

A consumer durable loan is a financing option that allows you to purchase durable home appliances and electronic items with easy EMI repayment options. HDB Financial Services offers consumer loans at No Cost EMI* and low down payments, making it an ideal solution for acquiring the required consumer durables. 
You can apply for a durable loan to fulfil your purchase of any consumer durable products. While there can be multiple reasons to get a consumer loan, some of them are -
  • Upgrading your existing electronic gadgets.
  • Purchasing new appliances to get chores done faster.
  • Replacing damaged home appliances with new ones.
  • Improving your lifestyle with the addition of the latest smart models.
Consumer loans have made it easier to purchase various gadgets, home appliances, and other electronic items. Some of the products eligible for financing include:
  • Refrigerators
  • Air conditioners
  • Televisions
  • Washing machines
  • Cameras
  • Home theatres
  • Laptops
  • Furniture
  • Audio devices
  • And much more.
Abiding by the motto of #ReimaginingOpportunities, we value your financial needs and stand by you to offer an instant consumer durable loan with the following advantages:
  • No Cost EMI* and low down payments.
  • Affordable EMIs & easy repayment options.
  • Minimal documentation.
  • Instant approvals.
  • No security deposit.
  • Pre-approved loans and existing offers on our ‘HDB- OnTheGo’ app.
You can apply for an instant consumer loan online, anywhere and anytime without having to travel to any of our branches. You only need to visit your nearest HDBFS partner store to find out more. You can instantly get to know the loan amount that can be availed based on your eligibility and documentation. 
You can track the status of your consumer durable loan application by either of the following ways -
HDB Financial Services may sanction a consumer loan to you based on your creditworthiness, your eligibility, and other internal terms and qualifications. 
You can pay the consumer durable loan EMI through ACH (Automated Clearing House). If you wish to avail the ACH facility, please contact your nearest branch or write to us at customer.support@hdbfs.com or raise a service request from our mobile app “HDB- OnTheGo”. 
Yes, foreclosure and part-prepayment charges are applicable. You can prepay your loan anytime during the tenure. Please visit any of our branches with a prepayment request form as per format with supporting documents. To read more on the interest rates and charges, click here. 
Yes, you can get a consumer durable loan from your closest store. Click here to locate your closest store. 
Click here to apply for the best consumer durable loan now!

*GST as applicable

*T&C apply

**All offers are from the sellers