Personal Loan Phone: Today we are in the era of smartphones where we can easily do many of our important tasks with just one click, and for this, we do not even need to go anywhere nor do we have to run around in any way, the best thing is that you get a personal loan over the phone in less than 5 minutes,
This loan of yours is 100% safe because it is an NBFC registered and approved by RBI. Neither a salary slip nor ITR is required to avail personal loan over the phone. Here you can avail personal loan of up to Rs. 4 lakh from home if required. You also get time up to 24 months to repay it easily.
Benefits of personal loan through phone
- The biggest advantage is that you get a personal loan here by phone, for this you will not need to run anywhere,
- Here you can avail a personal loan of Rs. 1000 to Rs. 4 lakhs and you get up to 24 months time to repay it.
- You get this loan without any guarantee or security.
- Here you will only have to do KYC for personal loans, you will not need to provide any kind of income proof here
- If you suddenly need money, you can easily avail this loan in just 10 minutes
- You can take this loan for any of your needs anytime you need money.
- Here you can take a loan from your home using your phone without waiting for your turn in a long queue
- This loan will be 100% digital due to which you will not need to make any kind of payment before the loan.
Online loan up to ₹3 lakh with zero CIBIL by doing KYC with Aadhaar in just 5 minutes
Personal Loan Phone se Interest & Fees
- Interest – Here you will have to pay around 36% interest on an annual basis, which can sometimes be slightly less if you pay your loan on time
- Processing Fee – You will have to pay a processing fee of 10% or a maximum of Rs 9,000 on this loan
- Additional Charges – Friends, here you will not need to pay any joining fee, annual fee or any kind of payment before the loan, yes if you give NACH approval for this loan, then in case of bounce, you will have to pay the bank along with the loan giving institution
- Penalty – Here if you take a personal loan over the phone and are unable to make the payment on time, then you will have to pay a penalty on a daily basis
- GST – Friends here you will have to pay GST up to 18% on all expenses incurred here,
Eligibility for Personal Loan
- You must be an Indian citizen
- Age should be between 21 to 59
- It is also important to have a source of monthly income
- A mobile number linked with Aadhaar will be required
- You will need a smartphone and internet to apply.
- Here you will need a savings account to avail of a loan
- If you require NACH then you have to use Internet Banking or Internet Banking with a Mobile Number here
Documents for Personal Loan
- PAN card
- Aadhar card
- Online Selfie
- Aadhaar OTP will be required to sign the loan agreement online
How to take personal loan through phone | Apply for Personal Loan through Phone
- Install the mentioned loan app on your phone
- Create an account using your Aadhaar linked mobile number
- Now you have to do KYC here, for this you have to give complete information about yourself, documents, online selfie and bank details
- You will receive a personal loan offer from your phone within a few minutes if you are eligible for the loan
- To avail this loan offer, you will first have to sign the loan agreement online using Aadhaar OTP
- Here you will also need NACh, for this you will have to use your internet banking or debit card
- Friends, now after loan approval, you will get this loan directly in your account within a short time without any hassle