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Personal Loans
Personal Loan is an unsecured credit provided by financial institutions based on criteria like employment history, repayment capacity, income level, profession and credit history. Personal Loan, which is also known as a consumer loan is a multi-purpose loan, which you can use to meet any of your immediate needs.
Personal loans are a form of installment credit. Unlike a credit card, a personal loan delivers a one-time payment of cash to borrowers. Then, borrowers pay back that amount plus interest in regular, monthly installments over the lifetime of the loan, known as its term.
Today, an increasing number of people are applying for Personal Loans to meet their larger expenses. One of the reasons for the significant rise in the growing popularity of Personal Loan is that being an unsecured loan, it does not require any collateral and the processing time is quick. You can easily avail of a Personal Loan from any bank or a non-banking financial company of your choice. With the advent of the online services offered by the financial institutions, you can get the money within 48 hours.
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The Paisa Express Advantage..
Dive into The Paisa Express Advantage for personal loans—where speed meets affordability. Our seamless process ensures quick approvals and competitive rates, providing you with a hassle-free pathway to financial fulfillment.
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Pioneer of Housing loans in Telangana with over 20 years of experience
Innovative & Bright Ideas
For over 2 decades, shared the hopes and joys of 4.4 million customers who have been nurturing the dream of home ownership
Value for Money
Most experienced and empowered personnel to ensure smooth & easy processing
Future Investment Planning
Transparent dealing. All charges mentioned upfront while giving you the loan quote. No hidden charges
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Counselling and advisory services for acquiring a property & Loan approval even before a property is selected
Software & Technology Set-Up
Loan processing from Hyderabad office for purchase of home anywhere in India
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Personal loan disbursal is basically the process of the financial lender remitting the loan amount in the bank account of the customer. The loan disbursal takes place after the submission of relevant documents of the customer and the verification and approval of the financial lender. Financial lenders offer personal loan disbursals in a few seconds, while other take a few hours to a few days to disburse the loan amount following approval.
Personal loan
Flexi loan
(Overdraft against Salary)
Balance Transfer
Top Up loans
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The approval of a personal loan application depends on a number of factors.
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The approval of a personal loan application depends on a number of factors. When you apply for a loan, you should make sure that you are fulfilling all the factors to ensure the approval of your loan application. The eligibility criteria for personal loans may vary from lender to lender. However, there are number of common criteria which include the age of the applicant, his or her income, credit score, status of employment, and so on. Before you apply for a loan, make sure that all the eligibility criteria are being fulfilled. This will help you avoid rejection of your loan application. Although there are other options which you can resort to in case your loan application gets rejected, it is recommended to double check before applying to avoid the chances of rejection of application. Assess the need for your loan. Do proper research to get the best rate. Check your credit history. Review the fine print on your loan document carefully. Choose your loan tenure by assessing your repayment ability. Choose an affordable interest rate
Criteria - Salaried
- Age: 21 years to 60 years
- Net Monthly Income: Rs.30,000
- Minimum Loan Amount: Rs.50,000
- Maximum Loan Amount: Rs.25 lakh
Requirements
- Proof of Identity: Passport, Voter’s ID, Driving License or PAN Card
- Proof of Residence: any one – Passport, Aadhar Card, Driving Licence, Electricity bill
- Proof of Income: Latest 3 months salary slips, Latest 2yrs form 16, Salary credit bank statements for 6 months
Fees and Charges
- Processing fee / Verification charges
- GST
- Charges levied for issuing duplicate statement
- Penalty for defaults / pre-payment / part payment of loan
In addition to these, the lenders might also levy charges for documentation, stamping, credit administration, collection, and so on. The levy and the rates of these fees and charges differ from lender to lender.