- 2nd Main Rd,Kasturi Nagar, Bengaluru -43
- +91 87110 88881
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Personal loans provide fast, hassle-free access to funds without the need for collateral. Whether it's for medical emergencies, travel, home improvement, debt consolidation, or other personal expenses, this loan type is a flexible solution for urgent financial needs.
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Indicates creditworthiness; higher scores improve approval chances.
Stable income assures lenders of repayment ability.
Proof of steady employment or business history may be required.
Lower DTI shows better ability to manage new debt.
Must be a citizen or legal resident of the country.
Must be at least 18 or 21, depending on jurisdiction.
Requested amount should align with income level.
Lenders assess past borrowing and repayment behavior.
Some lenders consider how the loan will be used.
Current financial commitments are reviewed for affordability.
Higher scores typically lead to lower interest rates.
Rates vary based on lender’s specific risk criteria.
Prevailing market rates influence personal loan rates.
Shorter terms usually offer lower interest rates.
Fixed offers predictable payments; variable may fluctuate.
Loan purpose can impact the rate offered.
Higher income and lower DTI may help secure better rates.
Larger loans might qualify for better rates with some lenders.
Existing customers may receive preferential rates.
Government-issued ID such as Aadhaar, PAN, or Passport.
Utility bills, Aadhaar, or rental agreement.
Salary slips, ITRs, or audited financials.
Credit reports to assess credit history.
Employment letter or business registration documents.
Applicable for self-employed individuals.
Details of existing loans or liabilities.
Completed and signed application form.
Statement explaining the purpose of the loan.
Sometimes required to verify identity or stability.
Statements of any owned assets (optional).
Details of guarantor, if applicable.
Only if needed for secured loans.
Additional docs requested by the lender.