Category Archives: Personal Loans

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. 

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.    

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.

Instant Personal Loan Apps these days can offer you quick approvals, instant fund transfers to your bank accounts, attractive loan rates, easy EMIs, and the convenience of flexible tenures ranging from 3 to 36 months. You can also choose the amount you want with a range of Rs. 1000 to Rs. 5 lac and pay as per use with apps such as Stashfin that offer you the benefit of the credit line. A Credit Line has its benefits as you pay for the amount you utilize or transfer to a bank account while you have an approved limit of up to Rs. 5 lac which you have the flexibility to transfer as per requirements. You also get the benefit of zero pre-closure charges, exclusive rewards and an opportunity to use the funds across your needs be it travel, shopping, dining, purchasing gadgets, phones, television, air purifier, heaters, education, wedding, and any other requirement. Therefore, if you are looking for quick cash and small to large loans, Stashfin Credit Line and Instant Personal Loan is definitely one of the best loans available. With more opportunities and lifestyle requirements of consumers in India, 2023 seems to be a promising year for aspiring for a better lifestyle. This is where Instant personal loan apps can help you achieve your dreams. There are many ways to get instant personal loans at affordable rates and get the right credit limit. Here are a few quick tips for you to get the best instant personal loan rates in 2023. Improving your credit score Lenders usually leverage credit scores to determine personal loan rates. Lower interest rates are reserved for applicants who have a good credit score. For example, users with greater than 750 are more likely to get lower interest rates vs users lesser than 650. Hence it’s beneficial to maintain a good credit score. Here are some of the things that can have a positive effect on the credit score Make timely payments for your credit card bills, past loans, BNPL apps, or any other obligations Check your credit reports often and check if all loans paid off are reflected in your credit report. Clear your pending debts and maintain healthy financial health. Compare loan rates and choose wisely only from RBI-regulated entities User personal loan EMI calculator at various website/loan apps before taking a loan from such apps to check what’s the average loan tenure, and rates available according to the credit limit. This will help you make the decision in the best possible way. Only use RBI-regulated entities such as Stashfin as they are more likely to offer you the right interest rates based on your profile. Keep a track of offers and rewards from the fintech apps Very often, instant personal loan apps such as Stashfin come up with exclusive offers such as higher rewards, lower processing fees, higher credit limits, and other exclusive offerings. Increase your income levels Higher-income levels can also help you get a bigger credit limit and lower interest rates. So it helps to be associated with professional companies where you work that are Category A and B to get you better rates. It’s also a great idea these days to have a side hustle or develop more skills to get you a higher income than your regular jobs. These tips can definitely help you get the best instant personal loan interest rates in 2023. We also recommend you check out Stashfin App for loan requirements. Enjoy the power of instant money with Stashfin – one of India’s fastest, easiest, safest, and smartest Credit Line and Instant Personal Loan Apps. Stashfin is powered by Akara Capital Advisors Private Limited, an NBFC duly registered with the Reserve Bank of India (RBI). With its quick and easy application process, Stashfin lets you enjoy a credit line of up to ₹5,00,000 at low-interest rates and flexible repayment plans that are best suited to your needs. Credit lines ranging from ₹1,000 to ₹5,00,000 straight to your bank account Pay interest only on the amount you utilize. Repayment period: 3 to 36 months Minimum documentation, instant approval, and quick disbursal How does Stashfin Work? Download the Stashfin App and register Fill in your details and upload verification documents Once verified the final application status can be checked on the App. You will also be notified of your approval status via SMS. Once approved, E-sign the loan agreement, and the approved amount will be disbursed to you within 5 minutes. SMS notification will be sent to your registered number notifying the same Eligibility Criteria Indian Citizen Above the age of 18 Must have a source of income (either salaried or self-employed) Documents Required Address Proof (any one of Aadhaar Card/Voter ID/Passport/Driving License) Identity Proof (PAN ID) In some cases, you may be asked for the following documents – Bank Statement – ITR/ GST Paper Operational pan India 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. To apply for a Stashfin loan, you can download the app here Stashfin – Credit Line & Funds – Apps on Google Play or here Stashfin iOS App or apply on the website Stashfin

Smartphones have become a necessity in everyone's lives with the advent of new technologies and on-the-go lifestyle. In the era of digital connectivity, consumers have plenty of options to buy from brands such as Apple iPhone, Samsung, Oppo, Xiaomi, Nokia, HTC, Sony, Lenovo, Realme, Oneplus and many others offering a range of products. Customers usually look for features such as larger screen, sharper display, better performance, battery life, price points, selfie and photograph specifications in choosing their smartphones. Smartphones also come with a range of price points Rs. 3000 to Rs. 2,00,000. While eyeing the latest upgrade, sometimes, customers need EMIs to buy the latest smart phone of their choice with ease and convenience. This is where credit line and instant personal loan apps can come to the rescue. Mobile Loan Features & Benefits Your mobile loan from Stashfin gets disbursed with instant approvals and offers you credit up to Rs. Five Lakh. With absolute transparency, Stashfin asks for the interest rate that you see on your screens. Get the best industry standard and lowest EMI rates for your mobile loan. With each credit purchase through Stashfin, you get to earn back rewards The widest stretch of EMI paying window starts from as short as two months or can go till three years. With least documentation like valid ID proof and address proof, you are all set for your mobile loan. Stashfin ensures you have a complete 100% safe and secure loan process Stashfin offers personal loans with instant access to funds for whatever your needs are. Enjoy funds from Stashfin for all your needs including travel, shopping, medical emergencies, debt consolidation, wedding, home upgrade, home renovation, education, gadgets, consumer durables and others. Stashfin provides quick, easy, flexible solutions for instant loan requirements How does Stashfin App Work? Download the Stashfin App and register Fill in your details and upload verification documents Once verified the final application status can be checked on the App. You will also be notified of your approval status via SMS Once approved, E-sign the loan agreement and the approved amount will be disbursed to you within 5 minutes. SMS notification will be sent to your registered number notifying the same Eligibility Criteria Indian Citizen Above the age of 18 Must have a source of income (either salaried or self-employed) Documents Required Address Proof (any one of Aadhaar Card/Voter ID/Passport/Driving License) Identity Proof (PAN ID) In some cases, you may be asked for the following documents Bank Statement ITR/ GST Paper Operational across India  Delhi NCR (Delhi, New Delhi, Noida, Greater Noida, Faridabad, Ghaziabad, Gurgaon), Mumbai, Thane, Pune, Hyderabad, Chennai, Bangalore, Indore, Chandigarh, Panchkula, Pithampur, Bhiwandi, Zirakpur, Kharar, Kolkata, Jaipur, Udaipur, and more. Given the surge in the demand, players like Stashfin have exclusive offers and benefits for their consumers such as Instant funds up to Rs. 5 lacs, direct bank transfers, attractive interest rates, instant approvals, quick process, which is completely digital, exclusive rewards. To apply for a Stashfin loan, you can download the app here Stashfin – Credit Line & Funds – Apps on Google Play or here Stashfin iOS App or apply on the website Stashfin

A wedding is one of the most important events in anybody’s lifetime. A lot of people dream of making their wedding one of the best experiences in their lives be it through destination weddings at places such as Udaipur, Jaipur, Goa, Kerala, and other pristine places in India. Some couples also opt for weddings outside of India with dream destinations such as Italy, Dubai, US, Maldives, Mauritius, and Bali, among others. The wedding also comes in with a lot of expenses and it can be a challenge to make your dream wedding come true. Expenses can range from decor, apparel, jewellery, hotel bookings, gifts, destination, travel, and others. What is needed at such a time is a platform that can offer you a good credit limit, quick and hassle-free options, flexible tenure, and instant approval. Stashfin offers a personal loan for marriage that enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale marriage come to life. You can apply online for a personal wedding loan through Stashfin Apps. Marriage Loan Features and Benefits: A personal loan for marriage makes your wedding day a stress-free and joyous event. No worry about running out of money in the middle of marriage events. The loan process is digital and does not involve any paperwork. Get approved in real-time for a personal loan or credit line up to ₹5 Lakh. Use funds when needed and pay interest on used funds. Repay your loan with convenient EMIs. Pick a tenure that works for you ranging from 3 months to 48 months. With Stashfin's credit line you will have money available instantly to use anytime, anywhere. Apply for marriage loans online and get instant loan/credit line approval up to ₹5 Lakh at the lowest interest rates from Stashfin to fulfil your marriage related financial requirement with no collateral. Given the surge in demand during the festive season, consumers must keep the below things in mind while choosing their preferred brand for taking instant funds. Check your eligibility and the need There are Fintech players such as Stashfin that can help you with the right amount of funds that will cater to your needs which traditional banking players may not be able owing to their underwriting capabilities and the way they are able to scale up very quickly given the demand for the season. Keep your credit score high The importance of a good credit score goes up even more. Based on your credit scores, your eligibility and rate of interest will be decided. Therefore, it’s a good idea to check your credit score regularly. Also, make sure that you pay EMIs on time. Beware of frauds Don’t fall for debt trap or share your personal details such as CVV/OTP or click on any suspicious links as certain fake apps also get very active during this period Check all T&Cs and charges when taking a personal loan It’s important to read all the documents carefully to ensure that there are no hidden charges in the loan that you are borrowing. Check the background of the Fintech players It’s important to check the background of the apps and take personal loans only from RBI-regulated entities so the processes are seamless. Given the surge in the demand, players like Stashfin have exclusive offers and benefits for their consumers such as Instant funds up to ₹ 5 lacs, direct bank transfers, attractive interest rates, instant approvals, quick process, which is completely digital, exclusive rewards. To apply for a Stashfin loan, you can download the app here Stashfin – Credit Line & Funds – Apps on Google Play or apply on the website Stashfin