Are you looking for some financial assistance in order to fulfill your personal objectives? Well, stop asking your friends or relatives for some help and straight away apply for personal loan. This is one of the most reliable ways to fulfil your objectives within no time. Especially after the COVID-19 outbreak, increasingly more people have started out relying on this financial instrument that allows you to get a few assist. It is top notch easy to use, and the fun part is which you don’t even have to go anywhere. It is all completely virtual and helps you save numerous time, money and electricity. Today, in this blog, we’ll tell you everything about a personal loan and why you should go with Stashfin! What is a personal loan? What are its top advantages in 2024? Personal loan basically means a type of Personal Loan Quick Cash that you can use in order to fulfill your personal objectives and needs. It can be purchasing a new smartphone, planning a dream vacation or even consolidation of ongoing debt. No Collateral Unlike your house or vehicle mortgage, in which you frequently require collateral in exchange for a mortgage, right here, in this type of loan, there's no such requirement. The creditors right here normally don't forget your creditworthiness and, depending on that, approve or reject your mortgage. Zero% Rate of Interest 0% means 0%. Stashfin’s Personal Loan Policy states that the borrower can take out the mortgage from us and repay the precise quantity they started with borrowed from us without any greater interest. The terms and situations right here are that the borrower ought to pay off the mortgage in 30 days to avoid the interest charges. Instant and Easy Access Firstly, to use for this loan, you need no longer move anywhere. You can easily do it via our Personal Loan App, that is to be had on Play Store (Android) or App Store (iPhone), or even discover our website. Once you’ve carried out, the amount is credited right away the moment the utility is accepted. Flexible Repayment Repayment is a crucial part of such loan facilities, as you, as a borrower, have to pay back the amount to the lender. We at Stashfin offer the flexibility of up to 36 months to pay back the loan. This ensures trust among our users and gives them the convenience to plan accordingly. How to avail loan from Stashfin? The most convenient way here is to download the Stashfin Loan App on your smartphone. It is readily available for Android and iPhone. At Stashfin, our ultimate goal is to offer convenience to all our current and potential borrowers so that their overall experience is seamless. The moment you use our application on your device, just sign up, and with the below-mentioned four easy steps, you are good to go. Download the app from the Play Store/App Store to Apply Personal Loan Sign up using your mobile number Add your personal details to check your credit limit Complete KYC and you are good to go! Conclusion Financial help can arise at any point in life. Avoid asking for money from your close ones and avail this facility by tapping on your smartphone! Stashfin is there for you, and you can pay us back the same amount you initially borrowed from us. So, what are you waiting for? Explore Stashfin now for a Small Personal Loan!
Apart from your salary, do you always look for additional funds to fulfil various kinds of expenses or aspirations? Well, then, you have just landed on the right page. In our country, financial instruments such as credit card, personal loan and Purchase Now Pay Later options have become increasingly popular and are in demand, especially after the COVID-19 outbreak. It is a well-known fact that each set comes with its own pros and considerations, but when it comes to securing financial assistance without much hassle, personal loan are undoubtedly the best! Credit Cards This plastic card is quite apparent in the Indian financial sphere, offering people a revolving credit line. It offers rewards, points, and even cashback offers sometimes and appeals to many people. However, the rate of interest associated with this financial avenue can quickly become a problem if not managed judiciously. Purchase Now Pay Later In recent years, this instrument has also gained popularity due to its facility to provide consumers with the flexibility to make purchases upfront and settle payments in instalments. Here, one missed payment simply means a hefty penalty! Personal Loan Stashfin offers this type of financial instrument, which is not at all complicated. Once applied for, the user gets a lump sum amount of money with fixed repayment terms. The rate of interest here is typically low as compared to credit cards. Why is Online Small Personal Loan the best choice? The feasibility and convenience this facility offers loan is just unmatchable in front of Credit Cards or Purchase Now Pay Later. With time, more and more people are becoming aware and making wise financial decisions, giving them a sense of financial security in the long run. No Interest Yes, you heard that right. When you trust Stashfin, you are in for a smooth ride. We offer Personal Loan India without charging any interest from you. This means that you have to pay us back the same amount you borrowed from us initially (terms and conditions apply). Convenience There is no need to go anywhere to get this type of personal loan policy. Download our official application from the Play Store or App Store, or you can easily explore and apply on our website as well. We help you save a lot of time, money, and energy by enabling you to access these facilities with a single tap from your comfort zone. Flexible Tenure Stashfin, one of the leading Credit Line App, offers a very flexible payment tenure. You can easily take your time up to 36 months or 3 years! This is quite an appealing factor that helps in fund management. Credit History Building Many of you might not be aware of the fact that responsible repayment is actually a thing! It contributes majorly to your credit history and score. So, by simply making timely payments and demonstrating financial reliability, borrowers can improve their creditworthiness. Conclusion When it comes to making a call in finances, the choice between these three can have a significant impact on your financial wealth. Do you all agree? While each of these options can have its own set of benefits, still, to apply personal loan with us emerges as the optimal choice for individuals seeking affordability in the long run. So, what are you waiting for? Download our application (Play Store/App Store) or explore our website to know more!
Are you planning to trek through the lush forests in Himachal Pradesh, exploring serene beaches in Goa or a thrilling North to South Road Trip? The allure of such adventure often has a roadblock, i.e. the financial aspect. This is the right time to apply personal loan! However, when you join hands with Stashfin, this potential tool helps you turn your dreams into a reality. We offer such loans with just a few taps on your smartphone and help you sort out all your financial emergencies within no time. 7 Benefits of Using a Personal Loan to Finance Your Next Adventure Instant Access One of the top advantages of availing loans from Stashfin is that we offer quick access to the funds you need. This feature is a total game-changer in the current times when you’re eyeing a limited-time offer or need to promptly secure bookings for flights and accommodations. Zero Interest We offer loans without charging any kind of interest upon it. Suppose you borrow Rs 1,00,000/- from us and plan to repay it within 30 days; then you have to pay back the same amount without any interest amount on it. Remember that this feature is only valid if you plan to repay within 30 days. Building Credit History Managing personal loans in a responsible manner can impact your credit score in a positive manner. This is because on-time payments and successfully paying off the loan demonstrate financial responsibility, potentially boosting your creditworthiness. A good credit score opens doors to better loan terms and next-level opportunities in the future. Seizing the opportunity Some travel plans are instant – a flash sale on flights, a limited-time tour offer, or a special invitation to join a group expedition. Having access to funds from a online loan cash enables you to seize such opportunities without missing out due to financial constraints. Flexibility Whether planning a road trip, seeking to invest in travel gear for a trek or aiming to cover various expenses like flights or activities, such a loan doesn’t restrict your spending to specific categories. This kind of flexibility allows you to tailor the stashfin loan app to suit all kinds of unique travel needs. Easy Repayment Plan Stashfin offers potential borrowers to repay the amount as per their convenience. We offer flexible repayment plans so borrowers can pay back even up to within 36 months. So, if you avail of this facility, you need not worry about repayment as we offer plenty of time, which gives you a sense of relaxation while travelling. Avoid Credit Card High-Interest Rates While there is no doubt in the fact that credit cards are a convenient way to make purchases, their interest rates can be relatively higher than those of loans and even the immediately personal loan. Therefore, leaving that aside and going for a personal loan to finance your travels can potentially save you money in the long run for obvious reasons. How to avail loan from Stashfin? Availing of this facility from Stashfin is relatively smooth and hardly takes time, as you don’t have to worry about going anywhere. Pick up your smartphone and download our application, and you are 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 Conclusion In the pursuit of fulfilling your wanderlust and embarking on the adventure of a lifetime, leveraging a personal loan can be an advantageous choice at any time. The pros it offers pave a pathway to turning your travel aspirations into reality. Get in touch with us today and plan your next adventure trip without thinking twice! Read More: Top 8 Personal Loan Finance Mistakes That Everyone Should Avoid
Whether looking to fund your higher education, a foreign trip, your wedding, or any of your other goals, one thing which can help you out when everything else fails is a personal loan. A personal loan app helps by funding your dreams, as they allow you to make certain decisions that would not be possible otherwise without begging for money from your friends or family. It enables a person to be financially conscious and choose their future accordingly. What is a personal loan? A personal loan is a way of borrowing money in a usually unsecured manner to fund certain things. Unlike specialized loans like a home loan to purchase or renovate a home or plot of land, personal loans don’t have an end-use clause and can be used for any number of reasons, from funding your child's education to planning a foreign vacation. Due to its unsecured nature, this might have slightly higher interest rates and approval criteria depending on your credit score and credit history. A higher credit score and good credit history are required to establish you as a credible lender and offer lower interest rates. Why should you avail of a personal loan? Although an online personal loan apply is an excellent option for many people, it is not for everyone. Still, it might benefit everyone with a planned investment coming in the future or an urgent need for cash they have yet to prepare for. This encompasses everything from medical emergencies to paying off your debts to fund a foreign trip. A personal loan has nearly infinite value if you plan for it properly. One thing to keep in mind when thinking about getting one is to plan your finances, assess your income and your liabilities/how much you spend, and ensure that the loan's EMI does not exceed 40% of your income. What are the best personal loan apps? The credit market in India is booming, with dozens of players entering this space, making it confusing to figure out which one to choose. However, this has also made it a lot better for most people, providing them unprecedented access to funds if they can repay it. Here are top three personal loan application I have used: Stashfin Stashfin blew me away at how easy and convenient it was. I disregarded it initially when my friends recommended it, but I can definitively say it is India's best loan app after using it. It offers loans up to Rs 10 Lakhs at competitive interest rates. It is easy to get a personal loan apply within minutes, and get the money to use within hours. MoneyTap MoneyTap is another app that I have used, and it offers loans worth up to Rs 5 Lakhs for low-interest rates based on the partner bank and your credit profile. HDFC Bank HDFC offers a quick and convenient way of getting a loan up to Rs 40 Lakhs if you are their customer. They allow pre-approved loans with fast approval if you have an income of more than Rs 25,000 per month. Conclusion Thus, personal loans can help people secure their dreams and achieve their goals when they might not have the means. It enables people not only to dream but also provides them with the choice to take on those challenges head-on and be able to achieve them. These are some of the best loan apps I have used, which allow me to apply personal loan, and you can use them too to secure the funding to achieve your goals.
If you are looking for instant funds, an online personal loan is one of the best facilities you can avail in the current times. With easy access to the internet, things have become more accessible and convenient. Therefore, we at Stashfin have only one motive in mind, to offer feasibility and convenience to all its customers as well as potential customers. Along with our official website, if you are looking for such a loan, you can also download our application from Play Store or App Store as per your device. What is a personal loan? It is a type of loan that individuals can borrow from a financial institution to meet their personal financial needs. Unlike a car or home loan, where the borrower is bound to use the money for a specific purpose only, this type of loan is quite flexible and can be used for any purpose. This includes consolidating debt, paying for medical expenses, financing an event/wedding, or even taking a vacation. These loans are typically unsecured in nature, which basically means that they are not backed by collateral like a car or house. Instead, lenders evaluate the borrower’s creditworthiness based on certain factors such as credit history, income, debt-to-income ratio and employment stability. As a result, the rate of interest and terms offered to an individual are often based on their creditworthiness, with borrowers having better credit usually receiving more favourable terms. What are the 5 things you should not do to get personal loan? Miss or Delay Payments Avoid late payments or defaulting on your existing debts, such as bills, ongoing loans or credit cards. This is because lenders consider your payment history as an indicator of your ability to repay debt. Therefore, a consistent record of timely payments clearly demonstrates financial responsibility. Apply for Multiple Loans Applying for many loan applications within a short span of time can definitely impact your credit score in a negative way. So, it is essential to first research lenders and compares every factor before applying. Inaccurate information Providing wrong and inaccurate information about yourself can lead to severe consequences. Therefore, be truthful and accurate about every information when you apply personal loan. Details include income, employment status, financial obligations etc. Max Out Credit Cards Running up high balances on your credit cards also increases your credit utilization ratio. This measures the amount of credit you use compared to your total available credit. Lenders prefer borrowers with a low credit utilization ratio, so make sure that you avoid maxing out your credit cards before applying for the loan. Make Major Credit Changes Before applying for a loan, avoiding making significant credit changes, such as opening or closing credit accounts, is advisable. This is because it affects your credit score and raises certain concerns for lenders. In order to avail loan from Stashfin, a personal loan app, you, as a potential borrower, just need to follow certain steps. Four simple steps, and you are more than good to go. Download the app Sign up using your mobile number Add your details to check credit limit Complete KYC!