- 1 apply for personal loans
- 1.1 Personal Loans starting at 10.99%
- 1.2 Personal Loan - Low interest rate personal loans from a wide range of lenders
- 1.3 Making Personal Loans More Accessible With Co-signers
- 1.4 Secured Vs. Unsecured Personal Loans
- 1.5 Making the Most of Personal Loans for Home Improvement
- 1.6 Ways To Consolidate Credit Card Debt
- 1.7 The Best Personal Loans for Good Credit
- 1.8 Apply for Personal Loan Online
apply for personal loans
Apply for a personal loan
of up to R175 000.
Payment options range from 3 to 60 months. Min APR from 19,7% to Max APR of 72%.
*Representative example: Credit of R5,000 borrowed for 3 months. Monthly interest: R21 (reducing monthly). Once-off Initiation fee: R644. Monthly admin fee R68. Representative APR 72%. Total amount payable: R5,908.
Personal Loans starting at 10.99%
Fill the simple form
list of offers from multiple banks
Quick apply less than 2 minutes
My best wishes are always with Indialends. They helped me to maintain CIBIL by sending my application to right lender as per my profile
Got disbursal amount within two days of documentation as promised in beginning
Really appreciate the customer care and customized services as committed by Indialends, they understand its importance in loan industry
Got loan from multiple lenders at one platform only. thanks to Indialends, got a chance to maintain CIBIL which may have been decreased in open market on applying multiple times
Personal Loan - Low interest rate personal loans from a wide range of lenders
Get instant approval on your online Personal Loan at lowest Interest Rates through IndiaLends. If you are looking for a loan with minimal paperwork required, then availing an online personal loan from IndiaLends can be the best choice for you.
With a representative 11.49% APR based on borrowing ₹ 10 lacs and repaying over 60 months with 60 monthly repayments. Monthly repayments of ₹ 21988.
- Personal Loan for Home Improvement
- Personal Loan for wedding
- Personal Loan for Travel
- Fresh Funding
- Top Up Personal Loan
- Personal Loan Balance Transfer
Calculate your Personal Loan Equated Monthly Instalment (EMI) and know how much you need to pay per month for the said Personal Loan amount.
There is, however, a minimum eligibility for borrowers. One must meet following basic criteria to borrow from us:
- The borrower must be an Indian Resident
- Minimum age - 21 years
- Valid government issued identity proof
- Valid bank account
Documents Required for Personal Loan:
- PAN Card
- Address proof by showing any one of these - Passport, driving licence, Voter ID, post-paid/landline bill, utility bills (electricity/water/gas)
- Bank statements - where your salary is deposited, for the last 3 months
- Pay slips of the last 3 months
IndiaLends is an online marketplace which offers low-interest personal loans best suited for your needs. If you are seeking a Personal Loan, you can simply fill up an online loan application form after checking your Personal Loan Eligibility. Moreover, you can use an online Personal Loan EMI calculator available at our website to calculate your affordability.
- Personalised Loan Offers: At IndiaLends, you can receive personalised loan offers and best deals at the best rate of interest. This is due to a tie-up with several banks and NBFCs, which helps you get the best deal on your personal loan as per your profile.
- Instant Approval: You will get an instant approval on your personal loan after you fill in an easy online application form. Your application would be sent to a suitable financial institution after careful analysis of your credit profile.
- Cash within 2 days: Soon after the loan is approved, the funds are transferred right into the borrower’s bank account within two working days. Thus, we need no room for delay.
- Real Time Tracking Facility: After submission of your loan application at IndiaLends, you can track your application online and moreover, will receive updates of your submitted application form using both email and SMS.
ACCESS TO CREDIT INFORMATION THROUGH EXPERIAN
You hereby appoint GC Web Ventures Pvt. Ltd. (hereinafter, "IndiaLends") as your authorized representative to receive your credit information from Experian. You hereby irrevocably and unconditionally consent to such credit information being provided by Experian to you and IndiaLends, and you hereby agree, acknowledge, and accept the terms and conditions set forth herein.
You hereby also acknowledge that for IndiaLends to service you as a customer to access your credit worthiness, the credit information shall be shared by Experian with you and IndiaLends on a monthly basis for a period of 12 months continuously (12 reports in a year) to ensure that you are able to view your complete credit history. Please read the terms and conditions of this document carefully before accepting. By clicking on the “I Accept” button below, you are expressly agreeing to access the Experian credit information report and credit score (as defined in the important information section below and together referred as “credit information”) and share a copy of the credit information with IndiaLends in the “as is” format. Please click on the link below to read and understand the important information section below. ** This document is an electronic record in terms of the Information Technology Act, 2000, and rules made there under, and the amended provisions pertaining to electronic records.
ACCESS TO CREDIT INFORMATION THROUGH Highmark
You hereby appoint GC Web Ventures Pvt. Ltd. (hereinafter, "IndiaLends") as your authorized representative to receive your credit information from CRIF Highmark. You hereby irrevocably and unconditionally consent to such credit information being provided by CRIF Highmark to you and IndiaLends, and you hereby agree, acknowledge, and accept the terms and conditions set forth herein.
You hereby also acknowledge that for IndiaLends to service you as a customer to access your credit worthiness, the credit information shall be shared by CRIF Highmark with you and IndiaLends on a quarterly basis in a period of 12 months continuously (4 reports in a year) to ensure that you are able to view your complete credit history. Please read the terms and conditions of this document carefully before accepting. By clicking on the “I Accept” button below, you are expressly agreeing to access the CRIF Highmark credit information report and credit score (as defined in the important information section below and together referred as “credit information”) and share a copy of the credit information with IndiaLends in the “as is” format. Please click on the link below to read and understand the important information section below. ** This document is an electronic record in terms of the Information Technology Act, 2000, and rules made there under, and the amended provisions pertaining to electronic records.
People get personal loans for many reasons. Some may want to get personal loans so that they can consolidate their debts into one monthly payment. Others want loans so that they can finance a large purchase, complete home renovations or cover unexpected expenses. No.
Making Personal Loans More Accessible With Co-signers
Consumers use personal loans to fulfill many different goals, but what happens to those who can’t get approved? Although building up your credit is one viable option, you might not have the time to wait around for your score to increase. Asking someone to co-sign your.
Secured Vs. Unsecured Personal Loans
If you want to buy a house, get a car or take a vacation, you might be thinking about getting a loan so that you can pay for your next purchase. For some people, getting a loan from the bank is a complex and confusing process, and they often make the wrong choice as a.
Making the Most of Personal Loans for Home Improvement
Home improvement projects are by no means cheap, especially if you want your renovation or addition completed properly. For many property owners, however, dealing with the associated costs proves to be a major challenge. Taking out a personal loan could be a highly.
Ways To Consolidate Credit Card Debt
If you have excessive credit card debt and are having a hard time paying it down or even making the minimum payments, it may be time to consolidate. There are several ways to consolidate credit card debt, and the best solution depends on your individual circumstances.
The Best Personal Loans for Good Credit
If you have a high credit score and want to get a loan, you will want to take your time so that you can find the best option for your needs. When you have a respectable credit rating, you will enjoy better terms and interest rates than you would otherwise. You have.
A personal loan, as the name goes, can be availed for any personal reason. Whether you want instant cash for an education fee, for a medical emergency, for a holiday ticket or for that perfect wedding. The end usage of the loan amount is totally up to you. The eligibility of personal loan depends on various factors such as your age, your credit score (CIBIL score), your monthly income and so on.
Personal Loan Benefits & Features
- Minimal documentation: No worries about piling up the list of documents, personal loan needs the least.
- No collateral: Have no assets or property? Don’t worry, it’s a personal loan.
- Choose your own tenure: Yes! you can choose your own time to repay the amount (ranging from 6 months to max 60 months).
- Simple repayment options: Access to a plethora of repayment options like: post-dated cheques, ECS, or AD.
- Budget-friendly interest rates: A personal loan offers best interest rates as per the market standards.
Sometimes you may want to calculate the EMIs first and then decide how much loan amount you can afford to pay back. Either you can calculate it manually or by using the various online tools which help you determine your EMIs in few minutes. All you need to keep in mind is the loan amount, rate of interest and the loan tenure. Feed in these values and you will get your EMI, which would be error free and faster than manual efforts. The result that you get using the Personal Loan EMI Calculator will be much accurate. You can also take help of the EMI calculators online which provide graphical presentations of your EMIs in detail.
As we discussed above, a salaried individual can borrow instant money for different reasons. Based on those, a personal loan can be classified into following categories:
There can be even more additions to these depending on your need for instant cash. For example, second-hand car loan, second-hand bike loan, unsecured loan etc.
1. What is the tenure of a personal loan from Qbera?
The loan tenure at Qbera is a flexible one and it ranges from 1 to 5 years (12 to 60 months).
It is the fixed amount that a borrower pays to the lender on a particular date every month. An EMI includes the principal and interest charged on a loan.
3. What is the minimum and maximum loan amount that I can get from Qbera?
The loan amount ranges between Rs. 25,000 to Rs. 10 Lacs.
4. What is unique about Qbera?
Our technology and lending partnership allow us to offer a world-class experience to our borrowers:
- Paperless application
- Instant lending decision
- Digital verification of income, employment and residence
- Disbursement of loan within 24-48 hours
Our CIBIL score cut-off is 625 and we can give loans to employees of more than 9 lac companies in India. Now you don’t have to get rejected by banks just because they have not analyzed and categorized your employer.
5. What should be my age to apply for a loan with Qbera?
You must be at least 23 years old to apply for a loan.
6. What should be my minimum salary to get a loan?
Your net monthly income must be Rs. 20,000 or more.
7. What should be my CIBIL score cut-off for a personal loan?
Our CIBIL score cut-off is 625 (V2 score).
8. What is the rate of interest charged on a personal loan?
Rate of interest depends on a borrower’s income, CIBIL score, employer, age etc. Qbera collects information from your application form and various other data sources to create a personalized loan offer for you. Our interest rates start at 11.99%.
9. What is the eligibility criteria to get a loan from Qbera?
To get a loan from Qbera, a borrower should meet the following eligibility criteria:
- Must be a salaried employee.
- Age must be between 23-55 years.
- Net monthly income must be Rs. 20,000 or more.
- No defaults in the last 24 months.
- You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai or Hyderabad.
10. How do I apply for a loan online?
To apply for a loan online, click here. For queries, please Whatsapp us on +91 89719 28484.
11. What are the documents required to get a loan from Qbera?
The following documents would be required after your loan is digitally approved:
- Aadhar Card
- PAN Card
- 4 cheques from your salary account
- Current address proof
- Permanent address proof (in case the permanent address is different from the address on Aadhar card)
- Passport size photo
12. What is the processing fee charged on a personal loan by Qbera?
The processing fee ranges between 2% - 4%.
13. How can I repay my loan?
Qbera provides easy repayment of its smart loans through automatic debit of EMIs via NACH mandate.
14. Why was my loan application rejected at Qbera?
Although we have one of the best approval rates in the industry, we may have to reject some applications if they do not meet our basic qualification criteria. You can re-apply after 3 months in case you think that your credit profile has improved.
15. Can I re-apply for a loan?
Qbera requires you to wait for at least 3 months before re-applying for a personal loan.
16. How much time does Qbera take to process a loan application?
It will not take more than 10 minutes to fill up your online application form. Our technology allows us to disburse the approved loan amount within 24-48 hours.
17. Is part/prepayment allowed on my personal loan?
We do not allow part-payments. However, you can prepay your loan after completing 1 year of repayment. (Foreclosure charges: 5% + GST applicable).
18. Do I need to submit any collateral to get a personal loan from Qbera?
All personal loans offered by Qbera are unsecured. Hence, you need not submit any assets or property to secure a loan.
A loan can get you and your loved ones the comfort of a car and security of a home, and many other things. But your real responsibility begins only after taking the loan.
A panel was of the opinion that state-run lenders need to be consolidated and private banks must compete with new-age financial services fintech firms through better technological innovation.
Apply for Personal Loan Online
There are several reasons why you may be considering a personal loan online. This could include your need for funds as a way of covering unexpected expenses or your interest for applying for a personal loan online for the sake of convenience.
In any case, if you are thinking of applying for a personal loan online, you should first familiarize yourself with how they work and the way in which they can be used.
It’s important to understand what a personal loan essentially is. It’s a no-collateral loan for up to $15,000. These loans are similar to a line of credit and are backed by future income. The term of the loan is typically longer than an installment or payday loan.
In addition, a personal loan online also means that it is a personal loan that can be registered online rather than a physical store. This means you can apply using your home computer or mobile device. The process is simple and takes minutes. The entire transaction is conducted electronically.
These personal loans can be used for a variety of reasons, depending on your needs. Those applying for a personal loan online may want to use the loan as a way of paying off high interest credit cards or making a purchase on a new item. The approval process is fast and easy and personal loans may be a good option if you do not have collateral to borrow against.
There is a lot of flexibility in how you can use a personal loan — whether you want to take a vacation or pay off credit cards, a personal loan online may be what you have been looking for.
Please remember that you should use a personal loan responsibly. They should not be used as a regular part of your bill paying process.
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APR Disclosure. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. APRs range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.
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