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Why Take Instant Cash Loans Online for Monetary Expenses?
A small cash loan is a short-term loan, which you can avail in order to meet short term financial needs such a travel trip, event, wedding, medical emergency, home repair, vehicle repair, etc. You can apply for this loan at any time of the day and we assure you fastest disbursal process. Loan is disbursed with a day or as less as 2 hours. You can apply for this loan with any of the providers that take legal steps in making a loan agreement and disburse the amount in the promised duration.
Most of the Fintech firms today offer the instant cash online service, wherein you drop a loan application either on the website or mobile app of the lender, and avail funds in no time. All you have to do is meet the lenient eligibility requirements, upload soft copy of the asked documents, and submit the application. A lending decision is taken almost in a few minutes after the review of application.
Process of Applying for Instant Cash Loan Online
Irrespective of the amount of loan to be availed, it is important to understand the cost of finance and the quantum of loan you actually need. Additionally, you need to figure out the timing of repayment of fast money loan. Below-mentioned are steps to apply for a small cash loan on the internet:
- Apply Now: Fill up your online application. It requires less than two minutes as there is no need of paperwork or faxing documents. Simply upload the soft copy of the required documents with the online application itself.
- Get Approved: You will receive a swift decision on loan approval. We are direct lenders hence you do not have to wait for a long time for loan approval and disbursal.
- Get Your Money: Money is deposited directly in your bank account. You can expect a lending decision in as less as 45 minutes. Thus, the process is automatic and hassle free.
Below-mentioned are some of the features and benefits of a small cash loan online:
- Quantum of Finance: You can avail a instant small cash loan of Rs. 10,000 to Rs. 1 lakh depending on some factors like your net monthly salary, amount you wish to borrow, repayment capacity, etc. The funds can be utilized to meet any type of personal needs.
- Small Cash Loan Eligibility: Indian citizens over the age of 25 years are eligible to apply for safe payday loans.
- Salary slab: The applicant should have a minimum monthly salary of Rs. 25,000. Thus, being a salaried person is one of the most important criteria. Self employed individuals or those who draw a salary amount lower than Rs. 25,000 per month can avail loans other than small cash loan.
- Disqualifiers: Anybody who does not meet eligibility as per criteria mentioned for the loan, has a huge number of debts, has insufficient repaying capacity, etc is less likely to qualify for availing instant funds.
- CIBIL Score: The CIBIL score required to avail a payday loan is between 600 and 650.In case you have a lower CIBIL score, your application will be monitored and analyzed critically, and further a decision on approval of loan will be taken.
- Take Taken to Approve the Loan
If you have submitted all the required documents like KYC documents (identity and address proofs), latest salary slips, bank statements, etc, then the process of loan approval is quite fast. It may take a few minutes to a couple of hours to approve loan. In case you apply for the loan on a non-working day, your loan will be processed on the next working day.
- Interest Rate: Fixed and nominal rate of interest is levied on the loan. The rate of interest varies with amount and repayment period. The rate of interest levied varies between 0.1% and 0.33% per day.
- Repayment Period: A time period between 1 month and 9 months is offered to repay the loan which can be done as per the EMI conditions agreed at the time of loan application. All terms and conditions should be read properly. A shorter repayment period must be chosen so as to save on the interest payout. However, there are no prepayment charges usually. So, you can choose a longer tenure and close the loan early when you come into some cash.
- No Hard Credit Inquiry: If you are wondering where can I get a loan without a hard credit check then try instant loans. The lender performs a brief review of your credit history but may not require you to have a very high credit score, if you draw a decent salary every month and are prepared to repay in time. Only soft credit inquiry is made, which keeps your credit score from going down.
- Loan Disbursal Process: As soon as the loan is approved, the process of disbursement is initiated and it takes hardly a couple of hours for the amount to reach your bank account. No hard cash is handed. You will not have to visit the branch office of the lender to get the funds. The money will be digitally transferred to your registered bank account.
Points to Consider for Instant Cash Loan Online
- Research properly about best lender on the web, if you want to avail the loan. Some of the Fintech firms would undoubtedly one of the best in the list. Read all the clauses before signing the loan agreement.
- Choose a direct lender, as the possibility of a scam will be lesser and loan disbursal will be quick as well.
- Be careful of lenders who are not certified and recognized as small cash loan lenders.
- Do not fall into the trap of lenders who demand security deposit for availing instant loans. Choose the one that does not ask you to submit collateral.
An instant loan online or a small cash loan meets all your financial expenses or urgent nature. You can borrow without collateral and repay in comfortable EMIs. Being a short-term loan, you can get done with the repayment quickly and become stress free, resuming to your daily life free of debt.
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