Personal Loan Eligibility | DealsOfLoan Your personal loan eligibility for salaried and self employed with personal loan interest rate Normal fees all other charges payable for process Normally bankers charge a processing fee of 2% to 3% of the loan amount, which may vary based on credit profile. If you repay your personal loan earlier than the agreed time frame, also other important part lenders charge with pre-closure or default penalty of about 4% of the pre-closed loan amount. Minimum of loan seasoning is six month means you cannot foreclose your loan before six month .