It takes very little time to get approval and disbursal of funds from L&T Finance Personal Loan. Once you submit your online application form and documents, you will get an instant approval decision from Urban Money. If your application is approved, you will get a loan offer from Urban Money that will include details such as the loan amount, interest rate, repayment tenure, and any applicable fees or charges. If you accept the loan offer, the loan amount will be disbursed to your registered bank account within 24 hours of applying.