Personal Loans in Hubli

Personal Loans ranging from Rs.25K to Rs.25L with a tenure starting from 6 months.

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In Operations

Personal Loans in Hubli

The requirement of emergency funds could be felt for various reasons. There are many financial institutes like banks and private financers that offer personal loan facilities. People often apply for personal loans in Hubli for funding required for a wedding, home renovations, miscellaneous expenses, travelling expenses, etc.

The most common reasons for applying for a Personal loan in Hubli
• It is multipurpose and could be used for various purposes ranging from medical emergencies, weddings, buying electronics, or any other financial emergencies.
• It is the best financing option for initiating a small business and can help small vendors to kick-start their careers.
• You can always take up a personal loan for a balance transfer or for consolidating all your current debts for convenience of repayment. The interest rates applied to the personal loan are lower as compared to other forms of debt.

Special features:
• Loan Amount Eligibility: Rs 25000- Rs 25 Lakh
• Easy and simple loan application
• Attractive interest rate starts from 10.75%
• Minimal documentation and short processing time
• Flexible loan Tenure- 1- 5 years
• Low-interest rate loans with several attractive features
• Easy EMIs

Eligibility criteria to apply for a Personal loan in Hubli
Age – Minimum age is 21 years, and the maximum is 60 years
Credit Score: You should have a good credit score, 700 or above
Monthly Income requirement: Rs 15,000 per month
Work Experience

Salaried
Employed at the current company for at least 6/12 months

Self-Employed
• Business tenure of at least 3 years (continuous)
• ITR of last 3 years

You can also check your loan eligibility by visiting our website. Moreover, we have an efficient personal loan EMI calculator which will help you to get an idea of how much loan amount you should borrow. Further, you can also benefit from our free credit report service before applying for a loan which gives an in-depth analysis of your credit history.
The documents required to apply for a Personal loan in Hubli
Salaried and Self-employed
Identity & Age Proof: Aadhaar Card, PAN Card, Birth Certificate, Passport, Voter ID, etc.
Filled personal loan application with photograph
Residence proof - Passport driving license, Voter ID, post-paid/landline bill, utility bills (electricity/water/gas)

Income Proof for Salaried
• Salary Slips of last 3 months
• Form 16 or Income Tax Returns of last 3 years

Income proof for self-employed
• Last 3 years Income Tax Returns with computation of Income
• Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

How IndiaLends can help in getting a Personal loan in Hubli
IndiaLends offers free customer support to personal loan aspirants. You don’t need to pay any charges or commission to us.
The main benefits of availing of our services are:
• Convenience
• 100% transparency
• Real-time customer support
• We get you the lowest interest rate loan offers from multiple Banks and NBFCs
• Compare offers online
• We handle everything for you ranging from documentation to disbursal.

We IndiaLends is built-in with one aim, offering financial assistance to all. We collaborated with the best and biggest in the banking & financial world to get you relevant products at great rates. We evaluate the credit profile of the applicant and match them against the eligibility criteria of various financial institutions. After the careful analysis of available offers, we pick the best proposal for you.
Instead of visiting a bank, natives of Hubli can go with online services of FinTech companies like IndiaLends, one of the best digital lending platforms. Our services are completely free, and you can get some of the best personal loan offers in Hubli.
IndiaLends offers 24*7 services for all its customers. You can contact us at any time of the day, and we will try our best to get back to you as soon as possible.

Personal Loan: An Overview

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use. It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

*The figures provided in the table are indicative subject to change from time.

How It Works

1

Registration

Apply online in less than two minutes

 
2

Quick Verification

We will review your application and give you a decision within minutes

 
3

Loan Disbursal

Receive the loan amount within two days.

Find out your customized interest rate for a Personal Loan in Hubli
Basic Eligibility Criteria
1

Good Credit
Score

2

Above 21 years of
age

3

Salaried
professional

4

Resident of
India

5

Valid Bank
Account

6

PAN Card and Voter
ID Card/Driving License

7

Bank Statements for
the last three months

8

Salary Slip for last
three months

Rating & Reviews

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Frequently Ask Questions

Q. How much can I borrow and for how long?

A. You can get personal loans starting from Rs. 25,000 up to Rs.25 lakhs for 1 to 5 years.

Q. Can I repay my loan early?

A. Yes, you can pre-pay your loan as and when you want.

Q. How does Indialends assess my credit worthiness and how long does this take?

A. Each consumer wishing to borrow on the Indialends portal will need to go through a rigorous verification and credit assessment process. The assessment is based on information collected from various data sources like the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc. The above process is automated and happens within seconds. Hence, you can get an approval shortly after you submit your application.

Q. Why was my application rejected?

A. The reason your application was rejected was because your credit profile did not match the criteria stipulated in the Indialends policy at the time. However, Indialends might be able to approve your application at a later date, if by then your credit file has improved or there have been changes in the Indialends credit policy.

Q.What is my repayment schedule?

A. Repayment of the loan will happen monthly on an EMI (equated monthly installment) basis where the amount will be calculated based on amortizing balance. One or two of the installments might be different which will depend on the timing of the loan.

Q. What happens in the case of a missed payment or non-payment by a borrower?

A. If the monthly payment for a borrower is delayed for any reason, a penalty fee and penal interest might be charged to the borrower. The borrower’s credit file will also get impacted which will restrict him / her to get credit in the future. Legal action may also be taken against the borrower.

Q. What information is shared with the lenders browsing through the profiles?

A. Lenders will have the ability to view detailed profiles of the borrowers, information like financial information, employment information, etc. The personal information of the borrower remains protected as per our privacy policy.

Q. How do I alter my loan request?

A. Loan requests can only be cancelled prior to loan disbursal. In case you want to make any changes to your request please reach out to support@indialends.com. The support team will help you in making the modifications.

Q. How can I make monthly payments?

A. You can pay your EMIs using electronic transfer of funds, ECS.

Q. How will you disburse the loan amount?

A. Soon after the loan is approved, the funds will be transferred right into your bank account.