shshnk1996
KF Rookie
I need an urgent cash loan with easy instalments. Any suggestions?
Where to get a quick loan?
- Thread starter shshnk1996
- Start date
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- instant loan
adarshdessai1993
KF Rookie
Need Urgent Cash Loan with Easy EMIs? Here Are Your Best Options!
If you need quick funds with flexible repayment, here are the fastest & most reliable ways to get a personal loan or instant credit in India:
Instant Cash Loans (Approval in Minutes!)
Bajaj Finserv Insta Personal Loan- Amount: ₹50,000 to ₹10 Lakhs
- Interest: 11% - 34% p.a.
- Repayment: 6 months to 8 years
- Processing Time: 15 mins approval (for pre-approved users)
KreditBee (Quick Short-Term Loan)- Amount: ₹1,000 to ₹4 Lakhs
- Tenure: 3-15 months
- Instant Disbursal: UPI/Bank in 2 hours
MoneyTap (Flexi Credit Line)- Amount: ₹3,000 to ₹5 Lakhs
- Interest: 1.08% per month (no prepayment charges)
- Withdraw anytime, pay interest only on used amount
Banks Offering Fast Personal Loans (Lower Interest)
✔ HDFC Personal Loan (10.5% p.a. onwards) – 24-hour approval✔ ICICI Bank Personal Loan (10.75% p.a.) – Pre-approved offers
✔ Axis Bank Insta Loan (12% p.a.) – No documents for existing customers
Pro Tip: Check your pre-approved offers in NetBanking for faster processing!
No Credit Score? Try These!
EarlySalary (Salary Advance) – For salaried professionals CASHe (Instant Loan without CIBIL) – Uses alternate scoring NIRA (Small-ticket loan) – ₹5,000 to ₹1 Lakh
Avoid Scams! Only Use RBI-Approved Lenders
Never pay advance fees for loan approval! Avoid unauthorized apps like "Loan Pe" clones.
Need Help Choosing? Ask Now!
- "Which app gives the lowest EMI for ₹1 Lakh?"
- "How to get a loan without salary slip?"
- "What’s the fastest way if I need ₹50K today?"
(P.S. The sooner you apply, the faster you get funds—some lenders disburse in under 1 hour!)
Personal Finance by Nish…
KF Expert
Hit like and thank me later if you find this helpful.
A Fixed Deposit (FD) loan, also known as a Fixed Deposit overdraft or FD overdraft, is a type of loan that allows you to borrow money against your existing Fixed Deposit account. Here's a step-by-step guide to help you understand how to take an FD loan:
*Eligibility Criteria:*
1. *Existing FD Account*: You must have an existing Fixed Deposit account with the bank.
2. *FD Tenure*: The FD account should have a minimum tenure, which varies from bank to bank (typically 6-12 months).
3. *FD Amount*: The FD amount should meet the bank's minimum requirements (varies from bank to bank).
*How to Take an FD Loan:*
*Online:*
1. *Net Banking*: Log in to your net banking account.
2. *FD Loan Option*: Navigate to the FD loan or overdraft option.
3. *Apply for Loan*: Fill out the online application form and submit it.
4. *Approval*: The bank will review your application and approve the loan.
*Offline:*
1. *Visit the Bank Branch*: Go to your bank's branch where your FD account is held.
2. *Meet the Bank Representative*: Meet with a bank representative and express your interest in taking an FD loan.
3. *Application Form*: Fill out the loan application form and submit it along with the required documents.
4. *Approval*: The bank will review your application and approve the loan.
*Documents Required:*
1. *FD Receipt*: The original FD receipt or certificate.
2. *Identity Proof*: Valid identity proof (Aadhaar, PAN, etc.).
3. *Address Proof*: Valid address proof (utility bills, etc.).
*Benefits:*
1. *Lower Interest Rates*: FD loans typically offer lower interest rates compared to personal loans.
2. *No Prepayment Penalty*: Most banks do not charge a prepayment penalty for FD loans.
3. *Easy Repayment*: Repayment is usually done through EMIs or automatic debit from your account.
*Things to Consider:*
1. *Interest Rates*: Check the interest rate offered by the bank, which may vary from 4-12% per annum.
2. *Loan Amount*: The loan amount is usually up to 90% of the FD amount.
3. *Repayment Tenure*: The repayment tenure may vary from 3-60 months.
4. *Fees and Charges*: Check for any fees and charges associated with the loan, such as processing fees or late payment charges.
Before taking an FD loan, ensure you understand the terms and conditions, interest rates, and repayment terms. It's always a good idea to consult with a bank representative or financial advisor to determine the best option for your specific situation.
Thanks
A Fixed Deposit (FD) loan, also known as a Fixed Deposit overdraft or FD overdraft, is a type of loan that allows you to borrow money against your existing Fixed Deposit account. Here's a step-by-step guide to help you understand how to take an FD loan:
*Eligibility Criteria:*
1. *Existing FD Account*: You must have an existing Fixed Deposit account with the bank.
2. *FD Tenure*: The FD account should have a minimum tenure, which varies from bank to bank (typically 6-12 months).
3. *FD Amount*: The FD amount should meet the bank's minimum requirements (varies from bank to bank).
*How to Take an FD Loan:*
*Online:*
1. *Net Banking*: Log in to your net banking account.
2. *FD Loan Option*: Navigate to the FD loan or overdraft option.
3. *Apply for Loan*: Fill out the online application form and submit it.
4. *Approval*: The bank will review your application and approve the loan.
*Offline:*
1. *Visit the Bank Branch*: Go to your bank's branch where your FD account is held.
2. *Meet the Bank Representative*: Meet with a bank representative and express your interest in taking an FD loan.
3. *Application Form*: Fill out the loan application form and submit it along with the required documents.
4. *Approval*: The bank will review your application and approve the loan.
*Documents Required:*
1. *FD Receipt*: The original FD receipt or certificate.
2. *Identity Proof*: Valid identity proof (Aadhaar, PAN, etc.).
3. *Address Proof*: Valid address proof (utility bills, etc.).
*Benefits:*
1. *Lower Interest Rates*: FD loans typically offer lower interest rates compared to personal loans.
2. *No Prepayment Penalty*: Most banks do not charge a prepayment penalty for FD loans.
3. *Easy Repayment*: Repayment is usually done through EMIs or automatic debit from your account.
*Things to Consider:*
1. *Interest Rates*: Check the interest rate offered by the bank, which may vary from 4-12% per annum.
2. *Loan Amount*: The loan amount is usually up to 90% of the FD amount.
3. *Repayment Tenure*: The repayment tenure may vary from 3-60 months.
4. *Fees and Charges*: Check for any fees and charges associated with the loan, such as processing fees or late payment charges.
Before taking an FD loan, ensure you understand the terms and conditions, interest rates, and repayment terms. It's always a good idea to consult with a bank representative or financial advisor to determine the best option for your specific situation.
Thanks