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Upto 100 % Cash BackOn Processing Fees |Unsecured | Quick Disbursal | Minimal Documentation | Low Interest Rates
Personal Loan
A personal loan is an unsecured credit loan that does not require any collateral or security. This type of loan gives you the opportunity to borrow money without putting any of your assets at risk. The amount borrowed on personal loans can be used for a variety of purposes like consolidating debts, clearing unforeseen expenses, organizing a marriage, paying for a vacation, settling medical emergencies, etc.
Personal loans typically have lower bank loan interest rates than credit cards, making them an attractive option for those who are looking to save money on interest payments. The sum acquired is repaid over time with interest and is sanctioned based on the repayment capabilities and creditworthiness of the applicant. It is a relatively quick and high funding process if met with the necessary prerequisites of the lender.
Unique Points & Features
Unsecured loan – No collateral or security
On unsecured loans, the applicant need not have to mortgage an asset to procure the loan.
Quick funding
Find several options for an instant loan without documents at Loanz360. We will assure a rapid disbursal of the loans within a day of approval to make it an ideal choice for emergency applicants.
Minimal and easy documentation
The easy documentation process will ensure the applicants will go through a minimal submission with the help of our agent guiding you through every step of the application procedure.
Bank loan interest rates as low as 10.75% p.a (When applied through Loanz360)
You can now aim to make your EMIs attractive and affordable with our partners at Loanz360 who have a wide range of financial services offered at competitive rates.
No end-use restrictions on the loan sanctioned
The loan sanctioned can be utilized with no restrictions or objections on the purpose or objective of the loan acquired.
Flexible funding and repayment tenors depend on the lender’s volition
The flexible funding options allow the customers to choose a loan sum of up to 100 lakhs or more varying from lender to lender with a repayment period spanning over the flexible tenors extending up to 72 months.
Types
Instant Loan:
Instant personal loans have a very minimal and easy documentation process where the applicant can be sanctioned a loan within a few minutes to none.
Balance Transfer:
The personal loan acquired from a lender can be transferred to a different lender if the user chooses to get a better deal or lower bank loan interest rates elsewhere.
Consumer Durable:
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Short-Term:
Short-term loans are loans extending over a maximum period of 12 months or less.
Eligibility Criteria
Age:
18 – 60 years
Type of Employment:
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Nationality:
Resident Of India-NRIÂ (Conditions Apply)
Income:
Minimum ~ Rs. 15000/- and above (Depending on the type of personal loan
Maximum EMI:
Up to 65 – 70% of net income
Credit/CIBIL Score:
Any profile (Credit score ~ 700 or above has a higher chance of getting a quick and instant loan without documents and with high funding at lower bank loan interest rates)
Employment Stability:
1 – 3 years and above (With a stable income and continual flow of money)
Note:
The eligibility criteria mentioned above are generic and may vary from lender to lender. Please reach out to us at Loanz360 for a personalized eligibility chart.
Can Be Availed For
Wedding Loan:
Wedding or marriage loans can help you manage all financial expenses related to the event such as catering, decor, venue, jewelry, honeymoon, etc. You can use this loan with ease for your dream wedding without denting your savings.
Debt Loan:
Debt loans are used to repay any kind of expected or unexpected expenses that may be a burden in the long term. You can consolidate all your expenses into a single loan and repay the loan monthly in installments.
Education Loan:
Whether you are planning to go abroad or pay tuition fees, an education loan is ideal to help you manage your finances without the need of looking around for additional funds.
Medical Loan:
kinds of medical expenses and emergencies need to be resolved as soon as possible for the patient to recover safely and healthily. A medical loan can come in handy with instant approvals to tend to or cater to the needs of the patient without shouldering the burden of inadequate or no insurance coverage.
Home Renovation Loan:
There are a lot of expenses that go into repairing a home. To keep the home healthy, one should spend an ample amount of money on maintaining their home in a healthier state of well-being. This type of loan is even more useful when the house owner is not able to avail a required amount of loan on his home for other expenses such as interior, renovation, or repair when buying or refurbishing a home.
Travel Loan:
There are 2 types of travel loans that can be availed by an individual under any given circumstances.
- Moving Expenses:
If the person applying for the loan is moving abroad or within the country and needs a loan amount to settle his travel expenses needed for the relocation, the lender may grant a loan for a specified period upon eligibility and creditworthiness of the applicant.
- Vacation Loan:
Vacation or staycation loans can also be availed if the person has inadequate funds to pay for his expenses related to accommodations, tickets, or even shopping while traveling in and around the country.
Shopping Loan:
If you are an avid buyer or a simple shopper and you are lacking the capital to fund your expenditure then a shopping loan makes your dream purchases possible. The items purchased on the loan can be consumer durable to perishable, depending on the individual’s choice or interest
Pension Loan:
Pension loans can be obtained by retired personnel to subside any kind of expenditure like daily expenses or medical bills that may require an additional amount. The individual may submit his pension proof and other eligibility proofs that may be required contrary to the routine documents that may be applied for an average individual.
Documentation
Wedding Loan:
Wedding or marriage loans can help you manage all financial expenses related to the event such as catering, decor, venue, jewelry, honeymoon, etc. You can use this loan with ease for your dream wedding without denting your savings.
Address proof:
Electricity Bill/Aadhaar Card/Passport/Ration Card, Copy of Utility Bill (not more than 3 months old)/Insurance Bond/Lease/Bank Statements/Income Tax Assessment Order/Property Registration documents/Property Purchase Agreement/Pensioner Book/Property Tax Receipt/Employer Certificate/Driving License
Income Proof Documents:
Copy of latest three months’ salary slips/bank statements, Form 16 for salaried individuals, Copy of Income Tax Returns (ITR)/C.A certified Balance Sheet, Profit, and Loss Statements, Business stability and ownership proof/MOA & AOA/Certificate of Practice/ Partnership Deed/ GST Registration and Filing Documents/ or Shop Act License for Business Owners.
Note:
The list of documents mentioned above may be generic and vary from lender to lender. Please reach out to us at Loanz360 to obtain the list of definitive documents needed at the time of your loan application.
Charges & Interest Rate
CURRENT PERSONAL LOAN INTEREST RATES START @ 9.50% P.A ONWARDS.
A ONWARDS. Compare bank loan interest rates and check more deals offered on personal loans by our financial partners at Loanz360 in 2023.
Bank Name
HDFC
Bank Of Baroda
Kotak Mahindra
Corporation Bank
Karur Vysya Bank
Citi Bank
IDFC First Bank
SBI
ICICI
Axis Bank
Shriram Finance
RattanIndia
HSBC
IIFL Finance
Tata Capital
IndusInd Pvt Ltd
Bajaj Finserv
Fullerton India
Federal Bank
Bank Of Maharashtra
Aditya Birla Capital
HDBFS Personal Loan
Yes Bank
Standard Chartered Bank
Ujjivan Small Finance
Muthoot Finance
Home Credit
Union Bank Of India
Bank Of India
Indian Bank
IDBI Bank
Navi Finserv
PNB
Canara Bank
UCO Bank
Dhanlaxmi Bank
Punjab and Sind Bank
Interest Rate (P.A)
10.50% onwards
10.90%
10.99%
10.75%
10.50%
10.50%
10.49%
11.00%
10.50%
10.49%
12.00%
13.50%
9.75%
12.75%
10.99%
11.00%
11.00%
11.99%
10.49%
10.00%
14.00%
13.99%
10.99%
11.49%
16.50%
14.00%
24.00%
10.30%
12.15%
10.00%
9.50%
9.90%
10.40%
13.00%
12.45%
11.90%
10.40%
Note: Our financial partners are not limited to the above-mentioned banks. Contact Loanz360 to discuss options. The interest rates may vary subject to conditions.
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Gold Loan
Gold Loan
Gold is not just a glamor ornament, it is a capital appreciation. Over time gold will only increase in value from the first time you purchased it. Gift yourself the rare benefits of gold at special rates with Loanz360 unique and flexible schemes. Higher funding. Easy documentation. 100% paperless. Moreover, get cash immediately to meet your emergencies.
Loan to Professionals
Loan to Professionals
The loan offered against Professional loans help CA, Architects, Lawyers, Doctors, Professionals, and Non-Professionals set milestones for their future and fulfill their ambitions with personalized deals and collateral-free funds. Several lenders and financiers at Loanz360 aim to support professionals with tailor-made loans at preferential interest and flexible tenures to promote individual and diverse professional growth.
NRI Loans
NRI Loans
The process of availing of a loan for Non-Indian Residents need not be complicated. Get any type of loan for any profile from anywhere in the world (lender-listed countries) with attractive offers and deals. Check out more information about the type of security, collateral, and other requirements to avail of the loan by clicking on the read more.