In the current digital era, availing the facility of a loan is as easy as ordering groceries/food from your smartphone by easily sitting in your comfort zone. Open your App Store/Play Store, and you'll come across various personal loan apps. But, the matter of the fact is that landing up on the right application is what helps you in the long run. There is no doubt in the fact that the ease and accessibility that financial applications offer has led to a healthier country in financial terms. Long gone are the days when people used to travel to banks in order to gain access to loans. Nowadays, it is just you and your smartphone. What is a personal loan? As the name implies, this type of loan is all about borrowing money from a bank or other financial institution for personal purposes. Now, the purpose here can be purchasing an electronic appliance, paying for an event/wedding, consolidating debts, or even home renovation. Unlike other types of loans that bind the borrower to purchase a specific thing like a car or home, this loan is quite flexible and can be used for any kind of personal use. However, it is unsecured, which means that it doesn't require collateral and is granted on the basis of the ability to repay the loan and the creditworthiness of the borrower. What are its advantages? From a lucrative rate of interest to instant access to funds, a personal loan has a lot on the table to offer. So, if you are in need of urgent funds, this is one of the best options to avail. Flexibility When you avail this type of loan, you are not bound to spend it on a particular thing. It can clearly be used for a wide range of purposes, such as debt consolidation, home improvements or unexpected expenses. No Collateral These loans are unsecured, which means they can be availed without putting up any collateral. Unlike home or car loans, it is totally based on the creditworthiness of the borrower as well as their income. Credit Score Improvement When you avail this loan, making regular and timely payments on it helps improve the borrower's credit score. This also helps them to avail access to funds in the future easily. Instant access to funds This type of loan has gained much popularity in recent years. The prime reason behind it is that it is approved and funded quickly, which definitely helps in emergency situations. Low Rate of Interest When you avail this loan from personal loan apps, they offer a lower rate of interest. This helps borrowers to save money on interest charges. How to avail the personal loan? Availing loan from Stashfin offers a seamless experience for all users. With just a few taps, the potential user is more than good to go. Download the app from the Play Store/App store Sign up using your mobile number Add your personal details to check your credit limit Complete KYC, and you are good to go! (Tip: You can also avail the same facility from our website.)
In today’s time, the trend of availing of a personal loan has witnessed an upsurge. The access to funds instantly and easily has pushed more and more people towards it. Moreover, personal loan interest in our country is quite pleasing, pulling more and more people towards it. One who avails this loan is not bound to spend the amount on a particular thing. They have the entire freedom to purchase anything they desire! Hence, this is the prime reason why people are inclined more toward it. What is a personal loan? As the term suggests, it is a type of loan that is granted to potential individuals by banks or financial institutions so that they can fulfill their personal needs. Now, these needs include the renovation of a home, purchasing an expensive electronic appliance, or even planning a vacation. Moreover, this loan type is unsecured, which means that it is not backed by any collateral. Instead, it is totally based on the creditworthiness of the borrower and the ability to repay the loan. The loan amount, rate of interest, and repayment terms vary depending on the lender and the borrower’s creditworthiness. Interest rates of personal loan are pretty lucrative in our country. What are its advantages? Flexible nature These loans are versatile and enable the borrower to use them for any purpose. From consolidating debt, covering medical bills, financing an abode renovation to planning a dream holiday, the purpose can be flexible. In addition, unlike other forms of financing, such as home or car loans, personal loans don’t have any restrictions on how the amount can be used. Lower rate of interest Personal loan interest rate is typically lower than credit cards or other unsecured debt. However, the rate of interest is totally based on certain factors, such as the credit score of the borrower, monthly income, and debt-to-income ratio. No collateral This loan type is unsecured, meaning the potential borrower need not use any collateral to secure the loan. So, for those individuals who don’t want to risk losing their assets, this works as a significant relief. Credit Score Improvement Availing this loan and making timely payments helps improve the credit score of the borrower. Keep in mind that payment history is one of the essential things in calculating the credit score, so making payments on time helps a borrower boost the score. How to apply for zero interest rates of personal loan? In the current era of digitization, availing an interest-free loan is as easy as ordering groceries from your smartphone. Our first and foremost focus is to offer ease to all our potential customers. So, whether they are on our website or exploring our iOS/Android application, we make sure that the overall experience is immensely satisfying. Download the loan app from the Play Store/App store Sign up using your mobile number Add your personal details to check your credit limit Complete KYC and you are good to go! Conclusion In the Fintech industry, we are the pioneers that offer the zero interest rate for personal loan. Yes, you heard it right. So, if you are facing a financial crunch in your personal life, Stashfin is there for you!
To meet short-term financial goals, online instant personal loans have gained much popularity in recent years and is in the trend now. Instead of a credit card which generally has a higher interest rate, people are more and more inclined towards a personal loan. Long gone are the days when potential borrowers had to visit financial institutions/banks in order to avail loans. Nowadays, it's all about you and your internet-enabled smartphones. Since day one, our prime goal has been to offer a seamless experience to everyone so that they easily get access to funds and that too interest-free! What is an instant personal loan? As the term implies, it is a type of loan that can be availed by the potential borrower instantly and without much hassle. These are typically approved and disbursed within just a few hours and designed in such a manner that it helps the borrower to meet their short-term financial needs. Moreover, these loan types are usually unsecured, meaning that you don't need to put up any collateral, unlike a car or home loan. It all depends on your creditworthiness and income. What are instant personal loan pros? Flexible When you avail an instant personal loan online, you are free to use it for any personal purpose. Now, it can be used to buy an expensive gadget, pay for an event/wedding, or even cover medical expenses. It's totally up to you! Instant It is in the name itself! The moment you apply for it, within no time, the amount will be credited to your account. This helps, especially in times of urgent and emergency situations! No Collateral Unlike secured loans, this type of loan is unsecured and doesn't require any collateral or security. So therefore, the borrower does not need to pledge any essential assets, such as your car or home, to avail the loan. Easy Eligibility The overall eligibility criteria to avail this type of loan are quite simple and easy. You just need to have a stable monthly income and good creditworthiness. Flexible Repayment Tenure An instant loan offers a flexible tenure for repayment. Now, this ranges from a few months to a few years, and all of this totally depends on the loan amount and the borrower's repayment ability. How to avail it? Availing this loan is relatively easy, and there are two options to choose from. Either you can apply on our website easily or download the application on your device. Both of these options work seamlessly. Download the app from the App Store/Play Store Sign up using your mobile number Add your personal details to check your credit limit Complete KYC, and you are good to go! Conclusion An online instant loan should mean that it can be availed via your smartphone within a blink of an eye. That is what we offer! Moreover, the hassle-free process makes it easy to avail and offers a seamless experience. In recent times, an upsurge and demand have been witnessed for personal loan as it easily solves many problems faced by individuals in monetary terms.
The need for instant funds can arise anytime, and what is better than an instant personal loan? Nowadays, many people use credit cards to access funds, but they don’t know that this type of loan is a much better option. This is primarily because of the lower interest rates, flexibility and, most importantly, its unsecured nature. In recent years, a significant boom has been witnessed in this industry, and more and more people are availing these types of loans. What is a personal loan? As the term suggests, it is a type of loan granted to an individual for their personal needs. It is an unsecured loan which means that, unlike a home or car loan, the borrower does not need to put in any collateral to secure it. Instead, it is totally based on the creditworthiness of the borrower, income, and other factors. Further, such a loan can be used for various purposes, such as paying for a vacation, renovating your current home, or even paying for a wedding/event. Unlike credit cards, they have a fixed term, typically ranging from one to five years, and fixed monthly payments. What are its advantages? When you opt for this type of loan, keep in mind that it comes with tons of advantages. For those who are in urgent need of funds, it is one of the best options to choose from. Flexible These types of loans are generally very flexible in nature, meaning an individual you can use them for a wide range of purposes. As mentioned above, it can be for a home renovation project or even for a wedding/event. Improve Credit Score Consistently making payments on time and without any delay helps you to improve your credit score over time. In addition, this makes it relatively easy to obtain credit in the future. No collateral Unlike secured loans, an instant personal loan is unsecured in nature. This basically means that you, as a borrower, don’t have to put up collateral to secure the loan. Lower rate of interest Rather than credit cards, this type of loan is the best choice if you are looking for emergency funds. This is because it offers lower interest rates, ultimately benefiting the borrowers in the long run. How does it work? 1. Application To apply for the same, basic information such as income, employment status, credit history etc. 2. Approval Once submitted, the application is reviewed, and if applicable, the loan is approved instantly. 3. Acceptance Once you decide to accept the loan offer, sign a loan agreement that outlines the terms and conditions. 4. Disbursement After you sign the agreement, the loan is disbursed instantly to your bank account. 5. Repayment You’ll be required to make fixed monthly payments on the personal loan for total tenure. How to get it? We focus mainly on offering convenience to our potential customers. You just have to download the application, and the whole procedure is relatively easy. Download the app from the Play Store/App store Sign up using your mobile number Add your personal details to check your credit limit Complete KYC, and you are good to go!
Nowadays, availing of a personal loan has become a common practice for individuals to gain access to easy funds. Since the onset of technology, getting such a loan has been relatively easy if you are on the right track. But, the fact is that one needs to ensure their safety as well because nowadays, many loan scams are being reported. Well, if technology has its pros, it has its cons as well. So, to avoid falling for such scams, it is vital to be aware of the red flags and take the necessary steps for protection. What are personal loans? As the name implies, it is a type of loan that is usually availed by individuals in order to fulfill their personal needs. These needs can include the renovation of their abode, a vacation with their family or even for an event etc. Well, the list goes on. Furthermore, this is an unsecured loan, which basically means that the borrower does not have to put up any assets as collateral to get the loan. So, it is entirely opposite to a car or home loan, as they are secured by collateral. Nowadays, there is no need to visit a bank or financial institution to avail this loan, as it can easily be done from the comfort of your home. Download the right application, and you are more than good to go. How to avoid personal loan scams? Not only these scams, but one should be vigilant to protect themselves from any financial scam. Nowadays, cybercriminals have become much more active, and they have come up with several types of techniques to loot people's hard-earned money. Research Before just going for this loan, ensure that you do your groundwork. You don't apply for the same, knowing that the process is easy and offers easy money. This can lead you into trouble. Instead, check the lender's website, ratings and reviews to make sure you are on the right track. Therefore, if you notice any kind of red flags, it's best to take a step back. Avoid Paying Upfront Fees Being a borrower for an online personal loan, remember that you are not bound to pay any upfront fees. So, if a lender asks you to pay a fee before approving the loan, it's likely a scam. These criminals often use these fees to steal money, so be aware of any lender who asks you for such a payment. Go through the loan agreement Often we tend to avoid the terms and conditions whenever we witness them. Well, many don't know its importance. The scammers out there tend to hide unfavourable terms in the fine print and may include clauses that allow them to change the rate of interest or even impose additional fees at any time. So, if you think the terms and conditions don't suit you, don't sign them. Unsolicited Emails/Calls Being an aware citizen, it is your moral responsibility to be cautious of unsolicited emails or calls from lenders offering personal loans. Keep in mind that they may be cybercriminals posing as legitimate lenders. The authentic ones don't contact anyone out of the blue, so if you receive such communication, it's best to ignore it and be safe on your side. Conclusion Be it small personal loans or large ones, you, as an individual, need to ensure you don't fall for scams. But on the other hand, if you are an aware citizen and know what's happening around you, such scams are preventable. So, keep the factors mentioned above in mind and get access to personal loans easily.
If you are self-employed, then you are well aware of the fact that the need for funds can arise at any point in life. Be it about expanding your business, renovating your residence, or planning a vacation with your loved ones; the list goes on and on. A personal loan for self-employed is relatively easy to avail these days. Long gone are the days when you actually had to travel to the nearest bank or financial institution to avail it. Nowadays, it is all about downloading the right application on your smartphone. What is an instant personal loan? As the term suggests, it is basically a loan type that offers quick and easy access to funds to borrowers who plan to fund their personal expenses. Unlike a car or home loan, an instant personal loan for self employed is unsecured and doesn’t require any collateral. The lender only takes into consideration the creditworthiness of the borrower. Once applied for, it is usually approved and disbursed quickly, often within just a few hours. Only basic information, such as income, employment details, credit score, etc., must be provided by the borrower. Why do people prefer a personal loan? Improves Credit Score When you avail this type of loan, you are in for a good ride. This is because when you make timely payments, your credit score improves. You demonstrate to the lenders that you are a responsible borrower, which in future helps you qualify for better loan terms and rates of interest. No Collateral Required These types of loans are unsecured in nature, which means you, as a borrower, don’t have to put up any collateral in order to secure it. So, by not having to put up collateral, an instant personal loan for self employed is a lower-risk option. It is entirely different from a home or car loan, where such a thing is mandatory. Flexibility When you go for this type of loan, you are not bound to use it for a particular purpose only, like in the case of a home or car loan. Instead, a personal loan means you can use the funds for your personal matters. For example, it can include renovating your home, buying an electronic appliance, or planning a vacation. Instant access to funds A personal loan is often approved and disbursed within just a few hours. This factor plays a very important role in times of emergency and urgent situations. Moreover, even the whole procedure for applying the same is relatively easy and straightforward, which also takes no time. Therefore, the potential borrower gets instant access to funds. Consolidating debt Another reason why people prefer a personal loan is because it helps in debt consolidation. So, in case you have multiple loans or credit card balances yet to be paid, this loan can help you consolidate them into one lower-interest-rate loan. This helps in saving money in interest charges and simplifies monthly payments. Conclusion Therefore, a personal loan for self-employed is one of the best options to go with if you are looking for instant funds. However, keep in mind that if they are easily accessible, you should not exploit them and spend them wisely. Moreover, due to the lucrative interest rate, it is a much better deal than a credit card.
There are times when people require instant funds without any hassle. It can be due to any medical emergency, purchasing any essential electronic appliance or renovating your abode. In the current era, one of the top reasons people go for personal loan is a medical emergency. As the cost of medical facilities is increasing with time, even those who are equipped with health insurance face a tough time paying the bills. However, there are certain other requirements to avail a loan. What is a personal loan ? As the name implies, it is a type of loan that, in simple terms, is used for an individual’s personal purposes. It is granted to a borrower for a variety of personal needs which might include covering unexpected expenses, financing home renovation or purchasing any expensive electronics. Further, this type of loan cannot be compared to a house or car loan. This is because these are secured loans that require collateral, whereas this type of loan is unsecured and offered based on the borrower’s creditworthiness and ability to repay. It is pertinent to mention here that these loans come with a fixed rate of interest, a set tenure and fixed monthly payments. The amount an individual can borrow here depends on their creditworthiness and the lender’s policies. Top 5 reasons to get personal loan? Minimal and Hassle-free documentation One of the most significant loan benefits here is minimal documentation. If you apply online, the documentation is entirely digital and paperless. So, it’s just about downloading the right application on your smartphone. Flexible tenure An Instant Personal Loan nowadays offers a flexible repayment schedule. It starts from 12 months and can go up to many years. Therefore, one can gain access to this type of loan easily without worrying about repayment. (Tip: Choose a tenure that lets you optimize your monthly outgo as per your needs.) No collateral required As mentioned above, these are unsecured loans, so the borrower need not provide any collateral as security. This element makes them accessible to everyone who has a regular income source. Easy online process The days when a loan meant a short trip to the financial institution. Nowadays, it is just about an application on your internet-enabled smartphone that makes everything much easier with just a few taps. Instant Disbursal The Best Personal Loan in India is usually disbursed within 24-72 hours. Therefore, they are one of the best financial products for meeting urgent cash requirements. However, keep in mind that first, you should meet the eligibility criteria and have a good credit score to get access to the loan quickly. Conclusion As per several stats, the requirement for an instant personal loan has witnessed a recent surge in our country. This is because people require instant funds without any hassle to fulfil their requirements. So now you are aware of the most common type of loan to consider if you find yourself in a situation where you need additional finances to accomplish a short- or long-term personal goal.
The Shark Tank season 2 is here and we are witnessing a lot of new businesses in various industries and sectors getting investments and deals from Indian sharks a.k.a. investors. While some of them are an advancement in existing sectors, others are new products catering to a newly identified need or solution to an existing problem. Off lately a lot of people are getting inspired to open their own businesses. Before starting a business, however, there are multiple things to be considered. What you should consider before starting a business? Research the market: Make sure that there is a demand in the market for the product or service you are offering. Create a business plan: Develop a plan that outlines your business goals, strategies, and estimated costs. Set up a budget: Determine how much money you need to invest in order to start and maintain your business. Secure financing: Look into different funding and financing options and determine which one works best for you. Choose the right team: Hire the right people who have the skills and experience to help you succeed. What are the major challenges in starting a business? While businesses do offer a flexibility in life in terms of work schedule, monetary gains and implementation strategy, they also come with their own set of challenges to resolve. You will always need to hustle and be better with each passing day. Trying and Testing Multiple Business Ideas: Evaluating various business ideas and identifying the right solution that suits the need of the target audience is extremely important. It may require a lot of trying and testing before you finally reach the right solution, which is the key to starting a great business. Securing Funding: One of the biggest challenges in starting a business is securing adequate funding. Without sufficient capital, businesses will struggle to purchase equipment, hire right resources, and cover other expenses. Managing Cash Flow: Starting a business typically requires large upfront investments. You need to be able to manage your cash flow carefully to ensure your business has enough money to meet its obligations. Developing a Winning Strategy: Every business needs a sound strategy to succeed. You need to be able to devise a plan that will help you reach your objectives and remain competitive in your industry. Building a Brand: Branding is an essential component of any business. You need to create a brand identity that resonates with your target audience and helps you stand out from the competition. How is Stashfin the best app for getting a business loan? With the Stashfin Credit Line and Loans App, aspiring entrepreneurs can get the funds they need to get started. With 0% interest for up to 30 days, they can manage their finances without worrying about the burden of high-interest rates. The app also provides flexible repayment options from 3 to 36 months, so they can manage their debts with ease. The Stashfin Credit Line and Loans App offers funds up to ₹ 5,00,000 based on your eligibility. It gives instant personal loans which allow you to meet your short-term and even long-term financial needs. The loan amount is approved quickly. It has a simple application process and you can use the funds for any purpose. This includes marriage, travel, medical emergencies, and even starting a business. The Stashfin Credit Line and Loans App is one of the best apps to start a business. It can be used to set up the base of the business, buy inventory and provide initial capital to start. It can also be used to cover the costs of marketing, advertising, and other business expenses which come at a later stage. The loan offer is fast, secure, and convenient. By taking funds from Stashfin, you can ensure that your funds are covered for majority of your business needs. Why you should choose Stashfin? Stashfin is a customer focussed lending app. It provides you with instant service at reasonable rates while saving your valuable time and money Quick Approvals Instant approvals on a personal loan or credit line. Borrow any amount ranging from Rs. 1000 to Rs. 5,00,000. Low processing fees No hidden fees, origination fees, closing fees, or prepayment fees are involved. Know ahead of time what your costs are. Complete secure process We use safe channels & secure links to protect your sensitive information. At Stashfin, trust and security are taken seriously. Minimum documentation Minimum uploads on our quick online form.KYC in digital or physical form as per your convenience. Flexible payment terms Repay your loan with convenient EMIs. Pick a tenure that works for you ranging from 3 months to 36 months. Operational Pan India Stashfin is operational across the country. You can remotely apply on Stashfin from any place you may be at. Stashfin loans are available in cities like Delhi NCR (Delhi, New Delhi, Noida, Greater Noida, Faridabad, Ghaziabad, Gurgaon), Mumbai, Thane, Pune, Hyderabad, Chennai, Bangalore, Indore, Chandigarh, Panchkula, Pithampur, Bhiwandi, Zirakpur, Kharar, Coimbatore, Kolkata, Allahabad, Udaipur, Jaipur, Lucknow, Prayagraj, Kanpur, Bhopal, Shimla, Haridwar, Ranchi, Ahmedabad, Mangalore, and more. How to apply on Stashfin? To apply for a Stashfin loan, you can download the mobile app from the following link. Stashfin – Credit Line & Funds – Apps on Google Play or here Stashfin iOS App or apply on the website Stashfin
Why get a personal loan at 0% interest for up to 30 days from Stashfin? Getting 0% interest for up to 30 days is now possible with Stashfin Credit Line and Loans App. This is a money saving feature from Stashfin which will help users take a loan especially for their urgent needs without worrying about paying extra amount while repaying it. Want to buy that television on end of the season sale but waiting for your salary to get credited? Want to travel during year-end holidays but falling short of money? Want to buy that newly launched phone but afraid of spending all your money? Or if there is an urgent house repair work and you want to get it done without wait. Simply get a personal loan up to a limit of ₹ 5,00,000 and be worry-free for up to 30 days with 0% interest on the amount utilized. How can you get a personal loan from Stashfin at 0% interest rate? Taking a loan from Stashfin is as easy as a few clicks. Download Stashfin Credit Line and Loans App from either App Store or Play Store at the comfort of your home or wherever you are. Follow an easy guided few step process to complete your application. The application process takes about 5 minutes. Post completion you get instant loan approvals and a credit line based on your eligibility. You can transfer funds instantly to your bank account and use money immediately for whatever need you may have. Be assured that you can avail 0% interest for up to 30 days on the amount you transfer. Post this period you pay interest only on the amount you’ve utilized. What is the eligibility criteria to get a personal loan on Stashfin App? For getting a personal loan on Stashfin App, you should match the following eligibility criteria. You should be an Indian Citizen You must be above the age of 18 years. You must have a source of income (either salaried or self-employed) What are the documents to be kept ready before applying on Stashfin Loans App? You must keep the below documents ready for a hassle-free 5 minutes loan application process at Stashfin. Aadhar Card PAN Card In some cases, you may be asked for the following documents Bank Statement of Salary Account Past 6 months’ Salary Slip What happens if you exceed the 0% interest period? If you are unable to repay the loan taken from Stashfin within the stipulated period of 0% interest rate, you may repay your loan with convenient EMIs. Pick a tenure that works for you ranging from 3 months to 36 months.