Tirupatisons

Freelancer finance blogger

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in sabke liye paise mangoge, paisa denge - https://www.flexsalary.com/

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Financial Inclusion as a Human Right .

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Difference Between Getting a Loan from a Bank Versus a Loan App

For getting a loan, there are two approaches. One is the traditional way by walking into a bank, talking to the representative, finalising the loan product that you need based on your requirements and then applying for a loan.

The other approach is more tech-savvy and reliably convenient for today’s generation. The approach includes availing of a loan online. Here, you can conduct thorough research on the lenders available, their interest rates, policies, eligibility criteria and compare various lenders on the loan terms. And then decide on the loan product that is suitable for your requirement, right from the comfort of your home, either by using your laptop or smartphone.

Getting a Loan from Bank

Once you have identified your requirement for a personal loan, you will approach a bank. Here, you will be introduced to a representative, who shall explain to you, in detail, the entire process involved. You can clarify your doubts and ask any additional questions if you have any. You will be asked to fill out certain forms and submit copies of the required documents under Know Your Customer (KYC) purpose. The bank will accept your application, check whether you have submitted all the required documents and thereby scrutinise your application.

If your application is approved, your loan will be disbursed and the loan amount will appear in your bank account in a certain period, maybe days or weeks. Remember that this entire process will take some time based on the documentation that is provided, the bank’s inspection and loan processing time.

Getting a Loan from Loan App

With the advancements in technology, digitalization has become a norm globally. In India, this revolution has paved roads in the consumer industry as well! You can now browse all the required information about your loan product with just one click of a button, right from the comfort of your home or office. For this, you need to download your lender’s app either from the Google play store or the App store and start applying for a loan.

Before finalising the lender, ensure that you are comparing the loan features of various lenders and picking out the best one that suits your requirements. Once you have finalised, as directed in the app, you will have to provide information concerning your identity, income and residence. Then you will have to upload all the documents (softcopies) that you are requested for and wait until your documents are verified and authenticated. So, if approved, the loan amount will be disbursed into your account in less than 24 hours (some lenders may even take a few days to approve your loan, but this entirely depends on the lender you have chosen and eligibility).

Offline Loan Vs Online Loan

Easy accessibility - An online personal loan can be accessed from anywhere and at any time as long as you have your laptop or smartphone along with an internet connection. So, you can just say that these products are available at your fingertips and can access them at your convenience. You just need to download the app and provide all the requested information.

On the other hand, for an offline loan, you will have to visit the bank, fix an appointment with the representative, and then plan your visit. This also involves a lot of physically visiting the bank and standing in long queues.

Documentation - The KYC process is mandatory, be it for an offline loan or an online loan. For online loans, the KYC documents (soft copies) need to be uploaded to the lender’s app, they will verify and will either approve or reject your loan immediately.

But on the other hand, for an offline loan, you will have to submit physical copies of each document. The bank will then inspect every document and check its authenticity.

Processing time - In case of an online loan, after uploading the documents, your loan gets approved and the loan amount is disbursed immediately. Because today’s lenders use advanced technologies that speeds up the process and makes the process more customer-friendly.

But for an offline loan, the process of physical verification is tedious and takes time, as there is a lot of paperwork involved. Hence, the processing time for an offline loan is much higher when compared to that of an online loan.

Charges involved - If you are availing a loan through an app, then you can find the various charges mentioned on the lender’s app or the website.

In the case of an offline loan, you will have to pay a certain commission to the agent. If the bank requires any kind of authentication or attestation on stamp paper, then you will have to get this done at your end and bear the expenses.

Comparing the features of different products - If you are planning to avail a loan online, then you have an option to browse and explore the features of the loan products from various lenders. You will have the benefit to compare the interest rates and decide on which lender you want to borrow from. This gives you the benefit of choosing the loan product from the best lender available in the market.

In the case of an offline loan, comparisons can be a bit time-consuming, as you will have to approach every lender personally and study their loan products and their features. Once you gather all the information, you then have to analyse and process the information manually, which could be physically draining.

Conclusion

Technology is growing exponentially and internet facilities are reaching even the remotest locations of India. Many working professionals are finding it easy to fund their dreams using loan lending apps.

Features like immediate approvals and easy accessibility are popularising and the market for personal loans is in demand. Many lenders have launched their mobile applications to make their presence felt, provide easy access to online loans and reach across all spheres of the lending market.

With so many players competing in the market, it can be overwhelming to decide on which lender can best suit your requirements. So, if you are planning to avail an online personal loan and looking out for the best lender, then FlexSalary is your best bet. FlexSalary is one of the loan lending products of a non-banking finance company (NBFC) called Vivifi India Finance Private Limited, which is registered with the Reserve Bank of India (RBI). 

You can avail of an online loan from the FlexSalary app, either by downloading from the Google Playstore or the App store, right from the comfort of your office or home. Then, why wait? Apply for an online personal loan, right away.

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Get Emergency Personal Loan in India up to 2 Lacs with FlexSalary?

FlexSalary has the best personal loan to give in times of emergency. When you are stuck in some financial crunch and no options are being helpful, apply online for a personal loan with FlexSalary. It will be the best alternative to meet your needs. Followed by the simple application process, instant approval is done and then immediate disbursal of the cash. It can be the best cash help for you in many situations.

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How to Get a Personal Loan Online?

In the time of a financial need, your personal loan can be just a few clicks away. Moving with the pace of time and upgrading with technology the personal loan has also come online. In an emergency, you can take a personal loan online, apply instantly to get you that aid you need. The instant personal loan is not just easy to apply but also the repayments are smooth. Starting from checking your eligibility, application, approval and then disbursal, everything is done with an online application for a personal loan.

Apart from these facilities, an online app has all the details of your loan, EMIs due, the interest charged, remaining sum, etc. and you are also updated with every payment made.

Getting a personal loan online

Getting a personal loan faster is now possible with an online facility. You can get a personal loan online in just 6 steps.

1.   Entering the basic details- Name, Contact number, PAN number are entered in this stage.

2.    Entering personal details- Banking or account details are entered at this point and documents must be uploaded.

3.    Net banking verification- One-time net-banking transaction is authorized here to check your income. Once this is done, you can submit your application.

4.    Disbursement- After these steps, your desired point comes i.e. disbursal of the borrowed sum into your account. All these happen within a few hours.

 Benefits of taking a personal loan online

1.    Taking a personal loan online gives the facility of 24*7. Where you can apply any time of the day and year. 

2-    Disbursal of the loan amount within 24 hours. The digitization of lenders has made the process faster.

3-    Minimal documents are required to get the loan. A paperless approval is given in the online application of the personal loan. Because the documents are uploaded digitally.

4-    Checking eligibility for the loan is very easy. You don’t have to contact anyone and brief your details to check the maximum borrowing limit you have. This also gives the process of the loan a boost.

 Taking a personal loan online with a top lender like FlexSalary

1.     FlexSalary gives the multipurpose personal loan to you. No reason is required to mention.

2.    You can withdraw the sum within the allowed limit and the interest is charged only on the borrowed sum.

3.    FlexSalary does not levy any additional charges on the prepayment of the loan. If your budget is stable now and you want to save yourself from paying extra interest, FlexSalary is ready to receive the total repayment at no cost.

4.    We offer an secured personal loan app. So, you don’t have to keep any collateral or security against borrowing the sum. At FlexSalary, it is easy for a salaried employee to get a personal loan. The only condition is you need to have a regular income. The income is checked to assure your repayment capacity.

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Why Should I Choose an Instant Loan?

An instant loan provides a quick way to seek some financial aid in any crisis or challenge. With the evolving banking system, the loaning process has also improved. While on one side there are many loan options available on the other many confusions also revolve around it. Knowing its benefits may help you get an easy instant loan. Using them can help you to come out of any financial crisis in a better way. There are many features present in an easy instant loan that could tell you that this loaning tool is the best possible solution currently on the market.

1.     A quick loan- As the name suggests, it is an instant loan. From application to approval and the disbursal of money is done very quickly with this loan. The instant personal loan is also available online. You can submit a few documents and wait for your loan to get approved by the lender. And once approved, there is no delay in disbursal of the loan.

2.     Online availability- Taking the loan online makes it even faster as you can apply 24*7 and also can receive approval on this loan. This facility is not just limited to the application but also works as grievance redressal. Any confusion can be cleared by posting your query on this platform. Therefore, for getting instant help, you can choose an instant loan without any doubt.

3.     Flexible loan amount- An easy instant loan can be approved for a minimum sum of INR 8,000 to INR 2,00,000. Many lenders may increase the range of granting the loan depending upon your income. For getting this loan, you can apply with a minimum income of INR 8,000 also. The minimum and the maximum amount may vary depending on the lender you choose. Your income can also decide on the terms as well as the quantum of loan. The lender offers customized plans to you, where you can brief your need and payback capacity to plan monthly EMI payable.

4.     Varied rate of interest- The rate of interest for an instant loan is a variable. It may change depending upon the lender as well as the borrower. A better credit record can let you have a lesser rate of interest and vice versa. If you hold a high position on your job then the loan rate could vary slightly. Apart from this to survive the competition of the market a lender may offer you lower rates of interest. Before taking the loan you should evaluate all the available options to reach the best.

Among several lenders available online and offline, FlexSalary is one of the top digital lenders. It serves its customers an instant loan App with complete flexibility on the terms and quantum of the loan. For you, as a borrower, it could never be a better option to get some financial help than an instant loan. 

Source URL:-https://justpaste.it/I-Choosa-an-instant-loan

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Top 6 Reasons To Take Personal Loan for Home Renovation

Getting a personal loan for home renovation could be the best idea for you. And taking it online could be another cookie. Not just one but a personal loan can serve many of your needs without risking any property or asset that you have if you take a loan from a lender that offers a collateral-free loan. An online personal loan for the home renovation can be the right choice for many reasons.

While you apply for it online it saves your time and effort and you can check out on many lenders rather than getting stuck at just one. With just the mandatory documents and a small application procedure, the loan is disbursed in your account. Apart from these the top 6 reasons why you should choose a personal loan for home renovation are as follows

Easy to apply for: The best thing about getting an online personal loan is its ease of application. Whichever lender you choose, within just a few steps the application procedure is completed. The usual online loan application procedure will be:

The first step will be entering personal credentials like name, age, profession, income, etc.

The second step will be uploading documents digitally. Main documents are- ID proof, residential proof, income certificate, bank statements of the last 3 or 6 months.

The third step will be an online KYC verification. And then your loan will be approved.

So, with this simple procedure, you can get a loan quickly to renovate your home beautifully.

Fast approval and instant disbursal: After the online KYC is completed, your online personal loan for home renovation will be approved quickly. Once the loan is approved, the sum borrowed is also disbursed quickly into your account. Everything being online does not take time at any stage, unlike traditional loan procedures where it used to take weeks before the loan was disbursed. You can easily take such loans now, and without any waiting time, you can serve the purpose timely.

Reasonable interest rates: As there are many lenders available in the market, the competition rises among them. To survive in this atmosphere the lenders offer many offers to the borrower. They bring down the rate of interest on loans. You can compare them and choose one best deal after proper negotiation on your online personal loan for home renovation.

Along with the market competition, the lenders have to abide by other regulatory bodies’ instructions as well, which may result in lower rates of interest. In the name of better living and an improved lifestyle, the government keeps launching policies. And the personal loan for the home renovation can be one such standard. To be under those guidelines, almost all the lenders will offer you a loan on better terms.

No lengthy paperwork: Any personal loan online including the online personal loan for home renovation, is 100% paperless. Without any documents or application form to be submitted in hard copies the loan can be taken. The documentation is also not lengthy. It saves a lot of time, and without having to go anywhere the loan is approved and disbursed.

Whether you are taking your online personal loan for home renovation through a website or by using an app, you can get the loan absolutely paperless. Since the government keeps launching environment-friendly schemes, bringing down the use of papers in banking sectors is one such policy. The same can be applied to your loan as well.

There are chances that the lender can give you a rebate on the rate of interest if you choose to go online for your personal loan for home renovation. Though this rebate can be very small, still it can make a difference on your loan deal.

5. Flexible tenure: As said earlier, to survive the competition in the market and serve better to customers the lenders offer good deals. Giving flexible tenure on the personal loan for the home renovation is one of them. You can take a loan and prepay the loan at your convenience. If you want to prepay the loan in full, you can do it without having to pay any additional charges such as a prepayment penalty, if you choose top lenders like FlexSalary. FlexSalary offers flexible tenure too. You can research the lenders, and compare them before finalizing the loan deal for you.

6. Pre-approved offers: Unlike a home loan, the personal loan for home renovation or home improvement happens to be for a lesser sum. This can help you in getting pre-approved loan offers. Not just the lower sum but your income and credit score can also help you to get the pre-approved online personal loan for home renovation. It is expected that paying off a smaller loan is not a big deal, and one can easily repay the sum borrowed in small parts so the pre-approval is given easily.

Personal loans for home renovation, improvement, or redecoration have become a very normal thing nowadays. You can check out online and see if you can get one as per your requirement at better rates. Renovating or refurbishing your home can turn out to be a costly affair for your pocket, but with an online personal loan for home decoration, you can get it done easily with lenders who offer pocket-friendly rates. So, if you want to renovate your home, apply for a personal loan now. It’s easy, quick, and affordable.

Install App:- Personal Loan

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Can I Get An Instant cash Loan Online?

Financial emergencies come uninvited! If you have stocked up your savings well, then that can save your day, but if your savings are unable to rescue in such a crisis, then an Instant cash Loan will be your only saviour for the moment.

In this digital era, everything from safety pins to apparel and cosmetics to eatables is available online and so are the financial products. Have you heard about online loans but not many of them know how to avail one. Well, you can avail an Instant cash Loan through the internet i.e., online. Let us discuss more about an FlexSalary Instant cash Loan online, in this blog.

What is an Instant cash Loan?

An Instant cash Loan is a loan product which is availed when you are in dire need of cash. They are also referred to as quick cash loans or fast cash loans and are approved immediately when you are in dire need of cash and if you can qualify your lender’s eligibility criteria.

Most of the Instant Cash Loan in India available in the market are unsecured and you need not pledge your assets as security or guarantor. You can avail a cash loan for emergencies from banks or NBFCs (Non-Banking Financial Companies) to pay for your medical bills, last-minute wedding expenses, home repairs or your child’s tuition fees.

The two most defining features of an unsecured Urgent loan in India are that you do not have to pledge any collateral and you are provided with ample flexibility to use the funds as per your need.

Who can avail an Instant cash Loan?

Availing an urgent cash In India is not everyone’s cup of tea! There are certain eligibility parameters set by your lender to qualify for the loan. Only if you qualify them, you will be approved with an Instant cash Loan. Moving ahead, let us check out what are those parameters:

●     Credit score - The ideal credit score approved by most of the lenders is 750+. So, if you are having a credit score of 750 and above, then you will be immediately approved with an Instant cash Loan at competitive interest rates.

●     A reliable source of income - Many lenders approve loans to the working class i.e., salaried professionals, as it is easy to determine their repayment capacity. In case of an unsecured loan, lenders approve you with a loan only if you are working with a well-established organization and earning well.

●     Age - Age plays an important role, as most of the lenders prefer approving loans to the younger generation or millennials. Because they are in their young age and have a lot of time to repay and loan defaulting seems a rare option.

●     Repayment capacity - Lenders approve loans to those borrowers who are punctual in their repayments. Be it your previous loans or credit card payments, borrowing and repaying on time proves your creditworthiness.

These are some of the mandatory eligibility criteria followed by most of the lenders, but a few parameters may differ again from one lender to another. So, if you qualify this basic eligibility criterion, then you are easily approved with an Instant cash Loan.

Which lender to choose for an Instant cash Loan?

It is always advisable to choose a lender whose eligibility criteria is easy to meet. Applying for an Instant cash Loan online with an NBFC is the best option as they are quick to approve and instant to disburse funds into your account.

Choose top lenders like FlexSalary who approve your Instant cash Loan on the same day you have applied. The guidelines are very relaxed and it is also easy to qualify for a loan even when you have a bad credit score.

Then, why wait? If you want to apply for one, either visit the official website at www.flexsalary.com or download their app from the Google Store or the Play Store.

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Why Mumbaikars Avail An Instant Personal Loan In Mumbai Online

Mumbai which is situated on the coast of Maharashtra is now India’s largest city with a population of over 13 million people. Being home to the most number of millionaires and billionaires in the country, this city is also the financial and entertainment capital of India.

Mumbai is the fastest-growing city and expenses are relatively high, making it tough for salaried persons to afford that extra cash flow for their basic necessities. Arranging for extra cash when you have a fixed salary can be a daunting task. That is when Mumbaikars apply for a personal loan to relieve themselves from financial calamities. In this blog, let us check out on the various reasons why Mumbaikars avail an personal Loan in Mumbai Online:

Reasons for an instant personal loan in Mumbai

There are various reasons why Mumbaikars apply for a Instant personal loan in Mumbai Online. Most common reasons are for medical emergencies, marriage expenses, renovation of home, impromptu vacations, etc., Instant loans are unsecured, wherein you need not pledge your assets to avail one. Some of the reasons to avail a personal loan are:

●     Medical emergency - Emergency arising out of uncertain health conditions has to be immediately addressed. An instant personal loan can help you tackle any such emergencies on time. You can apply for an online loan from the comfort of your home. If approved, the amount will be credited into your account within a few hours. This criteria entirely depends on the lender you have chosen.

●     Renovating your home - The maintenance cost of a house in Mumbai is pretty high which makes it obvious for many people to opt for a personal loan for their home renovation work. When you apply for a loan with a bank, it usually takes a longer time to approve. So, it is advisable to apply for a loan with an NBFC (Non-Banking Financial Company) as they quickly approve and instantly disburse your loan amount into the account.

●     Marriage expenses - Marriage is an expensive affair which bears a lot of unplanned expenses. Be it paying for the dress, wedding venue, food & beverages, or any other wedding arrangements; wedding expenses will surely reach sky-high. An instant personal loan can help you manage all such expenses and there is no restriction on how you spend the fund.

●     Buying big-ticket purchases - If there is any festive season around and you are planning to go for expensive shopping, you can do it with an instant personal loan. You can finance your consumer durables without burning a hole in your pocket and repay your EMIs on time.

●     Unplanned vacations - If you love travelling and want to explore the world but not having enough cash? Don’t worry as an instant personal loan gives you the freedom to explore freely without worrying about cash. Cover all your travelling expenses with a loan and you can set out for your dream vacation straight away without waiting for funds.

Bottom Line

Mumbai is the home of opportunities, that is why millions aspire to land a job there. With so many people flooding into Mumbai every year, a considerable segment of the population does require financial assistance in the form of an instant personal loan.

So, apply for a loan with one of the best lenders such as FlexSalary. With proper documentation and information submitted, you will be approved for a same-day personal loan. So why wait? Get instant access to credit anywhere and anytime with FlexSalary! Click Here

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Instant Personal Loan App

https://play.google.com/store/apps/details?id=com.flexsalary&gl=IN

instant personal loan app

FlexSalary provides instant personal loan up to 2L for salaried individuals in India without documents at an interest rate of 35% per annum, for a duration ranging from 10 months to 36 months. If you meet our simple loan eligibility criteria, you will receive instant cash in your bank account on the same day. Payment Example*: For a loan amount of ₹10,000 at an interest rate of 35 % per annum for a tenure of 10 months, after deducting any other fees, the total interest payable would be ₹1,733. The EMI schedule would look like (Interest + Principal) Payment 1 = 297 + 1500 = ₹1797 Payment 2 = 287 + 1275 = ₹1562 Payment 3 = 252 + 1083 = ₹1336 Payment 4 = 214 + 921 = ₹1135 Payment 5 = 164 + 835 = ₹1000 Payment 6 = 155 + 844 = ₹1000 Payment 7 = 126 + 873 = ₹1000 Payment 8 = 105 + 894 = ₹1000 Payment 9 = 76 + 923 = ₹1000 Payment 10 = 52 + 848 = ₹900 *The above example shows the schedule for a customer who makes all the suggested payments with a minimum payment of 15% of initial outstanding (principal) and doesn't make any further withdrawal. FlexSalary is a loan offering from Vivifi India Finance Pvt. Ltd., a non-banking financial company (NBFC) registered with the RBI. FlexSalary offers an instant cash loan against your salary anytime. It’s a personal loan with no fixed EMI. It is a flexible loan; you can repay your loan in flexible EMIs. Our quick loan application process is completely online. Apply Online and get fast cash loan approval in a few hours if you perform Net Banking Verification while applying for our loan. Salary Advance Loan from FlexSalary can quickly fulfil your emergency cash needs. You don’t have to wait for days to get your instant loan approved. So to get a salary advance loan for urgent cash needs, apply online through FlexSalary Instant Loan App. Why Should You Choose FlexSalary for an Instant Online Loan? • 100% quick, easy and secured online loan application process • Instant loan approval without documents • Affordable interest rates • High loan approval rate • One-time approval, anytime cash • Once the loan is approved, one can take additional credit without any documentation • Access your cash anywhere & anytime in India Eligibility Criteria To be eligible for a FlexSalary instant cash loan without documents, you: • Must be an Indian Citizen • Must be a salaried individual • Must be above the age of 21 • Must have a minimum salary of ₹8,000 Documents Required to Apply for our Flexible Personal Loan • Identity Proof (Aadhaar / Driver’s License / Passport / Voter ID) • PAN card • Address Proof (Driving License / Utility Bills / Aadhaar / Passport / Bank Statements / Voter ID) • Photo with the applicant’s face clearly visible (you will be prompted to take a selfie or upload a photo) • Net banking verification for validating your income Operational States FlexSalary offers fast loan services across all states and cities in India. You can apply online for a quick cash loan through our mobile app or www.flexsalary.com. Loan Tenure The loan tenure of a FlexSalary instant loan is up to 3 Years (Open-ended). How to Apply for an Instant Approval Loan Online Through FlexSalary App 1. Download our app 2. Create an account with FlexSalary 3. Submit the required documents As soon as your salary advance loan is approved, funds will be transferred into your bank account quickly within hours. About Safety and Security FlexSalary is completely safe & secure. We secure all your information using various encryption rules and safety standards. Your information is used only to verify your loan application and contact you when necessary. We assure that we do not share your data with any third parties. Contact Detail: Address: 5th Floor, Block C, Sanali Info Park, Road No: 2, Banjara Hills, Hyderabad, Telangana 500034. Email us at: [email protected]

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lazypay later

https://play.google.com/store/apps/details?id=in.india.upi.flexpay&gl=I

lazypay later

FlexPay, brought to you by FlexSalary, is an instant digital credit platform that provides customers with a Digital Credit Card like experience. It’s an all-in-one credit-based payment application, focusing on simplifying the life of users by giving instant access to credit on UPI, Scan-now Pay-later option, & multiple payment choices. Use your approved credit limit to pay monthly bills, groceries, & manage your emergency cash crunch situations. It’s like a cash advance that helps when you are low on cash. Our quick and instant loan approval process is 100% digital & lets the customer have flexible EMI plans. You can repay the instant cash loan along with interest conveniently in flexible payments over time. So, apply for an instant personal loan & use the funds for your needs. Why use FlexPay? Instant Credit Approval: FlexPay allows you to access instant credit on UPI with its quick & transparent credit approval process. Just upload a few documents & you’re good to go. Shop on UPI Credit: FlexPay, an instant credit loan app, allows access to credit on UPI to make payments on-the-go. Use this credit to make transactions on 10 million+ UPI accepting merchants in India. Credit management: FlexPay is a one-stop solution to get instant UPI credit, check pending dues, review payment history, & track your spending. Quick payments: Make quick & easy merchant payments & send money to your friends & relatives instantly. No hidden charges: There are no hidden charges. We have a 100% transparent onboarding process. FlexPay will be available to users who complete our 2-minute verification process successfully. Verified customers can do merchant payments using the approved Credit Line through our 'Scan now Pay later' option. Use instant credit on UPI to shop now & repay us the amount with minimal interest, anytime at your convenience. FlexPay’s Primary Features: • Credit disbursal: Get instant UPI credit in minutes • Scan and pay: Quick & easy transfers to merchants within seconds • Pay to UPI Id: Instant money transfers to friends/relatives • Repay: Painless & flexible pay-back options available • Track spending: Track & manage all your spending in one place • Multilingual platform: Our app supports multiple regional languages FlexPay aims at replacing the traditional credit card experience with its quick & easy digital credit solution. You can call it a personal loan app or an app that offers a quick cash loan. Avail instant credit on UPI, rewards, & more on FlexPay. Documents Required for Verification: • Identity Proof (Aadhaar / Driver’s License / Passport / Voter ID) • PAN card • Address Proof (Driving License/Utility Bills / Aadhaar / Passport / Bank Statements /Voter ID) • Net banking verification for validating your income • Selfie/Photo Operational States: FlexPay offers its services across all states & cities in India. Eligibility Criteria for Loan • Must be an Indian Citizen • Must be a salaried individual • Must be above the age of 21 • Must have a minimum salary of ₹8,000 How to Get Started with FlexPay? • Install FlexPay app • Upload the required documents • Get access to an approved Credit line • Click on “Scan Now Pay later” option • Scan the store’s UPI QR code • Enter the amount to be paid at the store Loan Tenure: The loan tenure is up to 3 Years (Open-ended). About Safety and Security: FlexPay- a cashless-loan payment app, is completely safe & secure. We secure all your information using various encryption rules & safety standards. Your information is used only to verify your application & contact you when necessary. We assure that we do not share your data with any third parties. Contact Details Address: 5th Floor, Block C, Sanali Info Park, Road No: 2, Banjara Hills, Hyderabad, Telangana 500034. Email us at: [email protected]

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Can I Get An Emergency Cash Loan Online?

Financial emergencies come uninvited! If you have stocked up your savings well, then that can save your day, but if your savings are unable to rescue in such a crisis, then an emergency cash loan will be your only saviour for the moment.

In this digital era, everything from safety pins to apparel and cosmetics to eatables is available online and so are the financial products. Have you heard about online loans but not many of them know how to avail one. Well, you can avail an emergency cash loan through the internet i.e., online. Let us discuss more about an emergency cash loan online, in this blog.

What is an emergency cash loan?

An emergency cash loan is a loan product which is availed when you are in dire need of cash. They are also referred to as quick cash loans or fast cash loans and are approved immediately when you are in dire need of cash and if you can qualify your lender’s eligibility criteria.

Most of the emergency cash loans available in the market are unsecured and you need not pledge your assets as security or guarantor. You can avail a cash loan for emergencies from banks or NBFCs (Non-Banking Financial Companies) to pay for your medical bills, last-minute wedding expenses, home repairs or your child’s tuition fees.

The two most defining features of an unsecured emergency cash loan online are that you do not have to pledge any collateral and you are provided with ample flexibility to use the funds as per your need.

Who can avail an emergency cash loan?

Availing an emergency cash loan is not everyone’s cup of tea! There are certain eligibility parameters set by your lender to qualify for the loan. Only if you qualify them, you will be approved with an emergency cash loan. Moving ahead, let us check out what are those parameters:

●     Credit score - The ideal credit score approved by most of the lenders is 750+. So, if you are having a credit score of 750 and above, then you will be immediately approved with an emergency cash loan at competitive interest rates.

●     A reliable source of income - Many lenders approve loans to the working class i.e., salaried professionals, as it is easy to determine their repayment capacity. In case of an unsecured loan, lenders approve you with a loan only if you are working with a well-established organization and earning well.

●     Age - Age plays an important role, as most of the lenders prefer approving loans to the younger generation or millennials. Because they are in their young age and have a lot of time to repay and loan defaulting seems a rare option.

●     Repayment capacity - Lenders approve loans to those borrowers who are punctual in their repayments. Be it your previous loans or credit card payments, borrowing and repaying on time proves your creditworthiness.

These are some of the mandatory eligibility criteria followed by most of the lenders, but a few parameters may differ again from one lender to another. So, if you qualify this basic eligibility criterion, then you are easily approved with an emergency cash loan.

Which lender to choose for an emergency cash loan?

It is always advisable to choose a lender whose eligibility criteria is easy to meet. Applying for an emergency cash loan online with an NBFC is the best option as they are quick to approve and instant to disburse funds into your account.

Choose top lenders like FlexSalary who approve your emergency cash loan on the same day you have applied. The guidelines are very relaxed and it is also easy to qualify for a loan even when you have a bad credit score.

Then, why wait? If you want to apply for one, either visit the official website at www.flexsalary.com or download their app from the Google Store or the Play Store.

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How To Get An Instant Personal Loan In Hyderabad Without Submitting Your Documents

Hyderabad is the capital of Telangana and is situated in south-central India. This city has emerged as one of the foremost centres for Indian culture which has resulted in a blend of North and South Indian culture. The ‘City of Pearls’ is renowned for its impact in IT, pharmaceutical and financial industries, due to which many aspirants dream to get a job in Hyderabad.

Due to the ever-growing lifestyle changes, many Hyderabadis are facing a lot of financial imbalance. If you are planning to apply for an instant personal loan in Hyderabad, but not having sufficient documents to submit, then do not worry! You can apply online.

In this blog, let us discuss the benefits of applying for a paperless loan online as well as tips to qualify for a paperless loan in Hyderabad. Let us start with the benefits of availing online paperless loans:

●     Hassle-free - No hefty paperwork is required and no frequent visits to the lender’s physical location. You can now apply for a loan right from the comfort of your home in a few clicks.

●     Time-saving process - From applying to disbursement, the entire loan application process is carried out online. With less human intervention, you are saving a lot of time and you are getting your loan approved in the shortest possible time.

●     Secured information is guaranteed - Every lender follows certain security protocols to ensure that your financial information that is submitted over an online platform remains safe and protected.

So these are some of the benefits of applying for a loan online, but not every lender approves you with a paperless loan in Hyderabad. For that, you need to conduct research and then finalize on the lender who suits your requirements and approves you with an instant personal loan in Hyderabad without submitting your documents.

To help you gain more confidence and qualify for the loan, let us dig out more information on the easy steps to get approved, without submitting your documents.

●     Maintaining a good relationship with your previous lender can help you win the jackpot! Your lender will already have access to all your financial history and therefore it will be easier for your lender to evaluate your eligibility. If proven genuine, your request will be approved even in the absence of documents. But, remember that you have to submit important documents such as PAN card copy, Aadhaar card, Income details, etc.

●     It is always advisable to have a good credit score as it will help your lender to determine your creditworthiness. If you have a good credit score, you can impress your lender and get approved with a loan even though you do not submit all the documents.

●     If you have paid all your previous loans on time, then the lender might have no issues in approving your loan even in the absence of documents. So, in this way also you can qualify for a paperless instant personal loan in Hyderabad.

If you are in dire need of cash and there is no source to borrow money, then applying for an instant personal loan with FlexSalary is the best solution.

Because FlexSalary is one of the best lenders available in Hyderabad, who approves your loan request even without submitting your documents. So why wait? Get instant access to credit anytime and anywhere with FlexSalary!

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5 Points Not To Overlook Before Applying For A Personal Loan

Life is too short to delay your happiness. If an opportunity to celebrate an occasion or travel around the world comes, never miss a chance in fulfilling your dream with a personal loan.

Most of the personal loans available are unsecured. So you need not pledge any collateral as security or guarantor to avail one. Income and need play an important role in motivating you to apply for a loan. But have you ever wondered, that there are certain factors which are not to be ignored but highly considered while applying for a loan?

This blog explains the 5 things you need to know while applying for a personal loan so that you can associate with the best lender and qualify for a personal loan with best interest rates.

●     Maintain a good credit score - Your credit score is a three-digit number which represents your credit history. This score provides information on how punctual you are towards your credit repayments. The credit score ranges from 300-900, but the ideal credit score considered by many lenders is 750 and above. So, if you have a low/poor credit score, credit bureaus consider that you have a careless attitude towards your credit management and reject your application.

Hence, it is always advisable to maintain a good credit score by paying your dues on time. The best way to keep up a good score is by automating your debt payments.

●     Conduct better research before finalizing on the lender - Today, it is easy to avail a personal loan from banks and NBFCs (non-banking financial companies) with attractive interest rates. While some of the interest rates are unbelievably low that they come with other hidden costs which will only result in an expensive loan with huge interest rates to repay.

Therefore, conduct better research on various lenders and check for their interest rates, loan tenure, prepayment penalty, processing fees, etc. and then finalize on the lender that suits your requirements. You can also check their foothold in the market by contacting any financial advisors or trusted agencies.

●     Fixed obligation to income ratio (FOIR) - The proportion of your income being consumed in bill payments, loan EMIs and credit card payments determine your FOIR. To assess your repayment capacity, every lender verifies your FOIR. So, if you exceed more than 50% of your take-home salary, then your loan request will be rejected.

●     Don’t apply for multiple loan applications - Do not let too many hard enquiries be conducted on your loan application as it may hamper your credit score. The more you apply for credit, the more your lenders will enquire about you. This may, in turn, depict you as ‘credit hungry’ which deteriorates your creditworthiness and will also lead to rejection of your application.

Protect your creditworthiness by conducting better research on your lender online and check for the various parameters they offer. This way, you will gain more idea of where to apply for a loan when in need.

●     Bring stability to your career - You will be qualified for a loan based on your creditworthiness and the income that you are paid. Hence, the more you switch your jobs, the less stable you are, which results in hampering your creditworthiness.

So, if you want your application to be accepted on time, make sure that you are maintaining proper job stability. If not, your lender may consider you as a liability because of your ill-timing in repaying your EMIs and reject your loan application.

Taking out a personal loan is not difficult, but borrowing it in the right way should be correct, otherwise, you will be left with massive debts to repay. It is advisable to consider your financial obligations and repayment capacity before applying for a loan, as it can help you in applying for a loan amount which you can afford to repay.

If you are looking out for same-day approved loans, then apply with  FlexSalary. The main advantage of applying with FlexSalary is they approve you with the loan even when you have a low credit score as they consider other factors to approve. So, apply now!

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How To Get An Urgent Cash Loan With Bad Credit?

Life seems unfair when dealing with any financial crisis. Although many people resort to their savings during unforeseen situations, sometimes your well-stocked fund may also not help you recover from a financial crisis. It can be even more embarrassing to borrow money from friends and family when they do not have enough savings to support you, in time of need.

Due to such unplanned financial emergencies and economic downturns, your credit score gets hurt. Do not lose hope, as there is a solution to rescue you from such recession. An urgent cash loan can help you get fast cash during uninvited expenses.

Most of the urgent cash loans are unsecured and the lenders do not request you to pledge your assets such as home, gold or property the way some lenders who offer secured loans do. You can avail this loan product from banks and NBFCs (Non-Banking Finance Companies) or any other online lending services.

Unlike traditional loans, where credit score played one of the major roles in approving your loan request. Lenders now have relaxed their guidelines and have created many favourable solutions to make urgent cash loans available without much hassle, due to the heavy demand for urgent loans!

In this blog, I shall discuss a few tips which can help you qualify for an urgent cash loan even with a bad credit score. Let us check them out:

●     Be ready to explain your lender about the reason for your poor credit history. The reasons can be anything such as a job lay-off, untimely payments or any other reasonable financial emergencies by which your lender can get convinced.

●     It is always good to check your score because you can identify and correct any discrepancies or inaccurate information. Neglecting such factors will only lead to rejection of your loan request.

●     Conduct better research on the lender and finalize on the one that best suits your requirements. Some lenders conduct a hard enquiry on your score which shall hamper the score. Hence, it is always advisable to be careful before applying for multiple loan applications, as this can deteriorate your score and can also depict you as ‘credit hungry’.

●     Consider the pros and cons of a bad credit loan. Most of the bad credit loans come with high-interest rates and high fees. If you choose an unaffordable loan, then you could fall into a cycle of debt.

So, these are some tips that you need to look out for before applying for an urgent cash loan when you have a bad credit score.

Can NBFCs be your solution for a bad credit loan?

Many traditional lenders rely on a good credit score to approve a loan, but it is a bit challenging to get approved with a bad credit loan from banks or credit unions. But as opposed to traditional lenders, there are few money lenders like NBFCs who approve bad credit loans to people who are in dire need of cash.

So the next time whenever you are stuck in an emergency, remember that an urgent cash loan is just a few clicks away. Choose top lenders like FlexSalary to get approved with a bad credit loan in just a few minutes. Moreover, these loans will not only help you to manage your money issues but also can help you to build your credit score.

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5 Frequently Asked Questions When Applying For An Instant Personal Loan In Delhi

Delhi is one of India’s Union Territories and is the country’s capital. Being the political seat of India since the 12th century, today New Delhi is one of the largest and most populous cities in India.

Talking about the lifestyle in tier I cities like Delhi, the cost is higher in comparison to tier II and tier III cities as the city supports a good lifestyle. Hence it is not that surprising to believe that the Delhiites need a personal loan for their unexpected expenses.

If you are planning to apply for an instant personal loan in Delhi, then you need to check out on some of the most frequently asked questions by Delhiites.

1. What are the best possible ways of getting an instant personal loan in Delhi?

There are various ways to get an instant personal loan in Delhi. Some of the best options are:

●     Banks

●     Credit unions and

●     NBFC (non-banking financial companies) and

●     Other online lending platforms

But it is always advisable to check your eligibility criteria with your lender and then proceed ahead with the application process.

2. What are the various reasons to avail an instant personal loan in Delhi?

●     For your child’s education.

●     Pay for any last-minute wedding expenses.

●     For any house repairs or renovation.

●     To travel around the world.

●     To pay off your credit card debt.

●     To upgrade any electronic appliances at home.

●     To buy a new vehicle or start a new business.

 3. How do I apply for an instant personal loan in Delhi?

The common application process followed by most of the lenders are as follows:

●     To apply for an instant personal loan in Delhi, you can either visit the official website of your lender or download their official mobile app and apply for a loan.

●     Fill in the personal loan application form with requested details.

●     Upload the requested mandatory documents for eKYC.

●     Submit the application form.

After submitting, you will instantly get to know the result of your application. If you are approved, the loan amount gets credited into your account instantly.

4. How much monthly income should I get to apply for an instant personal loan in Delhi?

To get an instant personal loan in Delhi, the minimum income requirement depends on where you are applying.

Most lenders have a minimum income requirement of between INR 15,000 to INR 20,000. In cities like Delhi, the income limit can be even higher. But when you apply for a loan with a lender like FlexSalary, the minimum income requirement they request is just INR 8,000 per month.

5. How do I get an instant personal loan on a low credit score in Delhi?

Most of the lenders prefer borrowers with a good credit score. The ideal credit score preferred is 750+ and hence it will be easy for you to qualify for a loan with lower interest rates. But if you have a low credit score i.e., below 750, you may get approved for a loan but with a higher interest rate. Not all lenders approve a loan if you have a bad credit score, but there are few lenders like FlexSalary, which approves you a loan even if your credit score is low.

Hence, applying for an instant personal loan in Delhi has undefinable benefits. Because of the ever-growing lifestyle changes in Delhi, many people face financial disturbances. So balance your financial health with an instant personal loan from lenders like FlexSalary, who quickly approve and instantly disburse your loan into your account within a few hours!