Category Archives: Personal Loans

For those who are in need of emergency funds, personal loans are one of the best options to avail. However, before availing it, using an EMI calculator has become quite an important tool to get a fair idea of what you’ll be reaping out of your investment.  Nowadays, in the current era of digitalisation, availing such a loan is super easy and convenient. One just has to download the right application, like Stashfin, or visit our website, and you are more than good to go!   What is a personal loan? As the term suggests, it is a type of unsecured loan that can help you meet your current personal financial needs. This loan type does not require you to pledge any security or collateral and is available with just basic documentation. The amount availed by the potential borrower from this loan type can be used to fulfil expenses, such as home improvements, marriage expenses, medical emergencies etc.  Unlike certain types of loans, like a house or car loan that are used only for one purpose, a personal loan with EMI is flexible and can be used for a variety of purposes, as mentioned above. Moreover, they don’t require any collateral, such as a car or house, to be pledged as security in order to secure the loan. Instead, the lenders rely totally on the borrower’s creditworthiness and ability to repay the loan amount.  What is a Personal Loan EMI Calculator? One of the most essential tools in the current times before availing a personal loan is this calculator. It helps the potential borrowers calculate their Equated Monthly Installments (EMIs) on a personal loan.  To use this helpful tool, the borrower needs to enter certain inputs such as the amount of the loan, rate of interest and tenure. Once these mandatory details are entered, the calculator displays the EMI amount that the borrower will have to pay each month towards the loan repayment.  The calculation of the EMI takes into account both the principal loan amount and the interest charged on it and is spread out over the loan tenure.  How does a personal loan EMI calculator work? This tool is relatively easy to use, and people of any age group can easily use it without hesitation. Here is a step-by-step guide on how this tool works:  Amount of loan  The first and foremost step is to enter the amount of loan you wish to borrow from the lender.  Duration Secondly, enter the tenure, i.e., the duration for which you want to borrow the loan. This is usually in months.  Rate of interest The third step is to enter the rate of interest charged by the lender on the amount.  Further, based on these factors, the EMI calculator calculates the monthly instalment amount you’ll have to repay the loan. The calculation is done using a mathematical formula that takes into consideration the loan amount, duration and interest rate.  Conclusion The first and foremost focus of Stashfin is to offer feasibility to its users. With just a few taps/clicks, you can easily calculate everything at your fingertips and further avail a personal loan without any hassle. 

It's the IPL season! The cricket heat is on, and this is the long festival which has been celebrated in India every year for over a decade. When it comes to celebrations, there might be some requirement for extra funds to make everything grand. Instead of asking someone, it is best to initiate a loan application. This is where instant personal loans step in. These loans offer easy money if you have creditworthiness and the ability to repay it. Moreover, you don't need to go anywhere; you just have to download the Stashfin application on your mobile or apply directly from the website. What is an instant personal loan? It is a type of loan that is typically processed quickly and disbursed to the potential borrower within a short period, usually hours. Unlike traditional loans that often require extensive documentation and credit checks, these loans have a simplified application process that can be completed online or via a mobile application with minimal documentation.  Further, these are generally unsecured loans, which means that the borrowers are not required to provide any collateral, such as a car or property, to secure the loan. Instead, it is granted totally based on the borrower's creditworthiness and ability to repay the loan amount.   What are instant personal loan offers and benefits? No collateral Once you initiate the loan application, remember that these types of loans don't require any collateral, such as a car or property, to secure the loan. This ultimately makes it easier for borrowers who may not have assets to pledge as collateral.  Competitive interest rates These loans often offer a competitive rate of interest, which are usually lower than those offered by credit cards or even other forms of unsecured debt. This helps the borrowers save money on interest charges over the tenure of the loan.  Flexible repayment plans Such loan types have flexible repayment plans, which basically means that borrowers can choose a repayment plan that suits their financial situation. This helps borrowers manage their finances more effectively and avoid defaulting.  Instant processing As the term suggests, an instant personal loan is designed so that it is processed quickly and disbursed within a short period, usually within hours, as mentioned above. This means that the borrowers can access funds quickly when needed. Flexible usage Unlike other forms of credit, such as car loans or home loans, which are to be used for a particular purpose, these loans can be used for any purpose. This can be debt consolidation, home improvements, medical expenses, or travel.  How to avail an instant personal loan?  Stashfin ensures that potential borrowers don't face any kind of hassle while opting for such a loan. Therefore, we offer the same on our website and mobile application, which is readily available on both Play Store and App Store.  However, if you are availing the same from an application, here is a step-by-step guide for you:  Download the app from the Play Store/App Store Sign up using your mobile number Add your details to check your credit limit Complete KYC and you are good to go!

Nowadays, opting for an instant personal loan is as easy as ordering groceries from your smartphone. However, you need to be well aware of the fact that all the checkpoints are checked in green before you finally sign the papers.  Long gone are the days when you actually had to travel to a nearby financial institution to avail such a loan. Now, it’s just you and your internet-enabled smartphone. Stashfin ensures you don’t need to get out of your comfort zone, and everything can be easily sorted with just a few taps.  What is a personal loan? As the name implies, it is a type of loan granted to a potential individual borrower based on their creditworthiness and ability to repay the loan amount within a specific period. These types of loans are unsecured, which means that they don’t require any collateral and can be used for various purposes.  Now, the purpose can be consolidating debt, paying for a wedding or home renovation, or covering unexpected expenses. The loan terms, including the rate of interest, repayment period, and monthly payment, are typically determined based on the borrower’s credit score as well as other financial factors.  What are the five ways to choose the best personal loan in India? Compare interest rates This is one of the most crucial factors to consider while determining the overall cost of your loan. It’s essential to compare rates of interest from multiple lenders and choose the one that offers the lowest rate. Moreover, don’t forget to consider both fixed and variable rate of interest, as well as any fees or extra charges associated with the loan.    Consider tenure The tenure is the length of time over which you’ll be required to repay the loan. A longer tenure will result in lower monthly payments, but on the other hand, it may also result in higher overall interest costs. So, consider your budget and choose a loan tenure that works best for you.  Check Eligibility Requirements Before applying for a personal loan, keep in mind to check the lender’s eligibility requirements. Each lender will have different eligibility criteria to fulfil based on certain factors such as age, income, employment status, and credit score. Therefore, do your research and choose a lender whose eligibility requirements match your financial situation. Check the reputation of the lender Before finally opting for the lender, it is important to research their reputation and customer service. Go on the web and look for reviews and ratings from other borrowers to get a clear picture.  Read fine print Before signing the final loan agreement, ensure that you carefully read the terms and conditions, including any fees or charges associated with the loan. Also, remember to look for hidden charges, such as processing fees or prepayment penalties, which might significantly increase the overall loan cost.  Conclusion If you are looking for the best instant personal loan in India, you just read the right article. Easy and instant that is what Stashfin offers for all its current and potential customers. Download the loan application from Play Store/App Store or simply avail of the loan facility from our website. 

When it comes to cricket, apart from all the international series that pull all the eyes, another type is the Indian Premier League, where all the matches are held in India only at different venues. As a result, it is able to attract a huge audience base and generates a lot of excitement.  Many people use this time to gather with friends and family and even plan to watch the match live. This is where one is instigated to initiate the personal loan apply online process. It offers access to funds quickly and helps individuals plan to watch the match as they desire.  What is an instant personal loan? It is a loan type that is unsecured, meaning that you, as a potential borrower, don’t have to put up any collateral or security in order to avail the loan. These loans are typically designed for people who need access to quick cash to cover unexpected expenses.  Further, the process of applying for such a loan is usually easy and quite simple. Nowadays, it can be done totally online, and only some basic personal, as well as financial information, is to be provided. This can be your name, address, income and employment details. The lender will use this information to assess your creditworthiness and determine how much money you can borrow.  How to Use Instant Personal Loans to Make the Most of IPL Season? Plan ahead Before you apply for personal loan, keep in mind to chalk out a budget and plan how much you exactly need to borrow. Determine how much you can afford to spend and what the expenses that are to be covered. The prime cost is tickets, travel and food, so keep in mind that you don’t need to overspend unnecessarily.  Choose the right lender Research different lenders and compare their rates of interest, repayment tenure, as well as other important terms & conditions. Also, keep an eye out for competitive interest rates and no hidden fees/charges. Reviews and ratings also play a crucial role here.  Repay on time To apply personal loan and get it instantly is a plus point, but repaying it on time is also very important. These loan types usually have short repayment periods, so ensure you can repay the total loan amount on time to avoid late fees or penalties. The best is to set up automatic payments to keep a proper track and the credit score intact.  Act responsibly While it is essential to enjoy this cricket season, make sure you don’t overspend or borrow more than you can afford. Remember, stick to your budget, avoid unnecessary expenses and have fun!  Consider financial situation Before initiating the loan application process, take into consideration your current financial situation and whether you can afford to repay the loan on time or not. Taking on too much debt can be detrimental to your financial health in the long run

If you are a salaried employee, you might know the importance of a personal loan. However, most such loans are availed by salaried employees only as they often require extra funds for their personal use.  Nowadays, availing instant personal loan online for salaried class is as easy as ordering groceries from your smartphone. Download the right app, and you are more than good to go! What is a personal loan? It is a type of unsecured loan that is granted to an individual borrower based on their creditworthiness and the ability to repay the loan. Unlike loans which are secured (home or car loans), this type of loan does not require any collateral, such as property or assets, to be pledged as security against the loan.  Instead, these loans are typically granted based on the credit score, income as well as other financial factors of the borrower. Moreover, these can be used for various purposes, including debt consolidation, home improvements, medical expenses, travel or even education. The rate of interest on these loans can vary depending on the lender, creditworthiness, and other factors.  What are the advantages of an instant personal loan for salaried employees? Available easily These loans are generally available easily for salaried employees as they have a stable income source. Moreover, most financial institutions offer personal loans to such individuals without hesitation.  No collateral Such a loan is unsecured. This means that they do not require any collateral. So, therefore, salaried employees can get a loan without having to pledge any assets.  Flexible repayment plans These types of loans often offer flexibility when it comes to repayment. So, if you are a salaried employee who has availed this type of loan, you can easily choose a repayment tenure that suits your financial situation.  Low rate of interest Instant personal loans for salaried have lower interest rates than other types of loans such as credit cards. This makes them a much more affordable option for such employees.  Instant Processing Personal loans for salaried employees are usually processed quickly compared to the other types of loans. This basically means that salaried employees can get the funds they need in a short amount of period. How to avail this loan easily? Nowadays, we all are dependent on digital mediums. Whether sending money, purchasing any durable good or service, or even availing loan, you are more than good to go if you have an internet-enabled smartphone. Stashfin ensures that all potential customers have a seamless experience while planning to avail a personal loan.  Therefore, if you are planning for the same, you can easily visit our website or download our application from the Play Store or App Store as per your device.   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!  

One of the best financial facilities available in the current era is a personal loan. You just have to search for “personal loan apply online” on the web, and you are more than good to go. Thousands of platforms are offering such loans, but hardly there are a few that provide the same without any interest amount.  This means you must pay back the same amount without extra charges. Personal loans are often availed by people who want to fulfill their personal desires and lack few funds. This can be renovating their abodes, purchasing electronic appliances and much more. What is a personal loan? As the term suggests, it is a type of loan typically unsecured, meaning it doesn’t require collateral, such as a car or a house. It is basically a fixed amount of money borrowed from a lender that is repaid over a fixed period, usually with interest.  These loans are often used to consolidate debt, pay for home improvements or renovations, make large purchases, cover unexpected expenses, or even finance a special event like a wedding or vacation.  The rate of interest can vary depending on the creditworthiness of the potential borrower and the lender’s requirements. However, they often are lower than the interest rates of credit cards. What are the 5 mistakes to avoid while applying for a personal loan? Not checking credit score Your credit score is quite an essential factor that lenders consider while approving a loan application. Therefore, before you apply for personal loan, it’s essential to check your credit score and make sure it’s in good shape. However, if it is low, you may want to work on improving it before applying for a loan.  Ignoring charges and fees Some lenders may charge fees such as origination fees, prepayment penalties, and late payment fees. Therefore, it is essential to read the loan agreement carefully and understand all the fees and charges that are associated with the loan.  Ignoring the fine print It is essential to read all the terms and conditions of the loan carefully to understand all fees, charges, and repayment terms. Not doing so could lead to unexpected costs, as well as damage to your credit score if, by any chance, you miss the payments.  Applying too many loans at once This can result in multiple hard inquiries on your credit report, which can lower your credit score. So, therefore, it is essential to research and narrows down your options before submitting loan applications to avoid unnecessary damage credit score.  Borrowing more than you can afford It is essential to borrow only what you require and can afford to repay. Therefore, before one apply personal loan, make a proper budget and calculate how much you can afford to borrow and repay every single month. Which is the best platform to avail a personal loan? Here, I’d like to share my personal experience. Around three months ago, when I was planning to avail a personal loan, one of my associates told me about Stashfin. Now, believe me, I think this is the only platform that offers loan at zero percent interest rate. Isn’t that great? Nowadays, hardly any company offers loan at zero percent interest rate.  Download the loan app on your smartphone Sign up using your mobile number Add details to check your credit limit Complete KYC and you are good to go!

The urgent need for funds can arise anytime, and the trend to avail of personal loans is rising. In the current era of digitalization, getting a personal loan is as easy as ordering food/groceries from your smartphone. You need the right platform and an internet connection. Undoubtedly, the accessibility of financial applications has led to a healthier India in financial terms. However, the days when people used to travel to banks to access loans are way behind us. Now, it’s just you and your internet-enabled smartphone.  What is a personal loan? As the term suggests, it is a type of loan issued to an individual borrower by a financial institution based on creditworthiness and income. These are unsecured loans which basically means that they are not backed by any collateral, such as a home or car.  When you, as a potential borrower, avail this type of loan, keep in mind that you can use it for various purposes. From covering wedding/event expenses to renovating your abode, you are more than free to use the funds for any purpose. However, remember that if you avail this loan, you are liable to pay it over a fixed period, with regular monthly payments.  What are its advantages? Flexibility It is flexible in nature as it can be used for any purpose. Be it paying for a wedding/event, home repair or renovation, vacation etc.  No Collateral Unlike other types of loan, such as car loan or home loan, these type of loans is unsecured. This means that they do not require collateral.  Fixed Rate of Interest These loans come with fixed interest rates. This defines that the interest rate will remain the same over the life of the loan, making it easier for individuals to plan their finances.  What is a personal loan calculator? It is a tool that helps in easy loan planning by allowing potential borrowers to estimate their monthly loan payments and total interest costs based on the loan amount, rate of interest, and repayment tenure.  Now, several options are available on the internet if you are looking for such a calculator, but the one offered by Stashfin is quite easy to use. Not promoting any brand or organization here but believe me, it is one of the best tools to use.  Just enter the loan amount, rate of interest and tenure to get an estimated monthly payment and the total amount of interest that will be paid over the loan life.  What are the advantages of using it? Accurate Loan Repayment It helps you calculate your monthly repayment amount accurately. This way, you get a clear picture of how much you need to budget for your monthly payments.  Saves Time Doing calculations manually are hectic and time-consuming. Therefore, this tool helps you to save a lot of time by offering quick and accurate calculations.  Transparent These tools provide you with all the information you need to make informed decisions about your personal loan. It helps you know how much you’ll be paying monthly and the total interest amount over the loan tenure. Conclusion Always remember that using this tool (personal loan calculator)before investing will help you achieve great results. Moreover, it has become a mandatory step before investing as it gives a clear picture of what you’ll be reaping from your investment. 

To avail a personal line of credit, nowadays, you don’t need to go anywhere. It’s just you and your internet-enabled smartphone. Since the onset of technology, availing a personal loan has become as easy as ordering food from your smartphone.  Moreover, during emergency times, such a loan helps a lot in order to fulfil the needs. Now, there are times when people require instant funds without any hassle. This is where a personal loan steps in! What is a personal loan? As the term suggests, it is a type of loan that is borrowed from a financial institution to help cover any kind of personal expenses. This can be a home renovation, medical bills or even debt consolidation.  Further, these loans are typically unsecured in nature, which means that they do not require any collateral and are repaid over a fixed period of time (Between 1 to 7 years). The interest rate on a personal loan depends on the lender’s policy, the borrower’s credit score as well as history.  What are the 7 benefits of having a personal loan app on your mobile phone? From convenience to transparency, such applications have tons of benefits which help the borrower in the long run. Moreover, such an app has somewhat become mandatory nowadays to keep a track of your finances.  Convenience Personal loan mobile apps allow individuals to apply for a personal loan from anywhere and anytime they wish. This has offered them a lot of conveniences and has cut down the need to visit the bank or any financial institution.  Transparency With such an application installed on your mobile phone, you can track the status of the loan application in real time and receive updates about the progress. This undoubtedly offers greater transparency and clarity.  Instant Processing These applications tend to use advanced technology and automated processes to review and approve loan applications. This basically means that you can easily get the loan approved and disbursed faster than the traditional methods.  Personalization Some applications that are available on the Play Store/App Store offer personalized loan options based on factors such as credit score, monthly income, and other financial factors.  Flexible These applications offer flexible repayment terms that include longer periods as well as the ability to make early repayments without any penalty. This helps individuals manage finances much more efficiently and avoid late payment fees.  Lower Interest Rates Many applications offer a lower rate of interest than the one offered by traditional banks, making it a more affordable option for borrowing money. This helps the borrower to manage the finances in an effective manner as they have to pay less in interest amount.  Security Personal loan applications often secure technology to protect your personal information. This includes two-factor authentication and encryption, which provides high security and peace of mind while applying for a loan online.  Conclusion If you are in need of emergency funds, then apply for personal loan without any hesitation. It has a lot to offer, and that too with just a few taps. Furthermore, if you are planning to go for a credit card in order to access urgent funds, then take a step back and change the path! 

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!