Personal Loan Vijayawada

⋆ Interest Rate 9.99% ⋆

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        Rates as low as 9.99%*
        Loans Up to 30 Lacs
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        Personal Loan Vijayawada

        Best Banks for Personal Loan in Vijayawada

        Feature HDFC Bank Private Bank Bajaj Finance
        Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
        Min Loan Amt Metro : 75000 & Non Metro: 50000 50000 100000
        Max Loan Amt 50 Lacs 50 Lacs 1 Cr
        Loan Tenure 1 - 5 Years 1 - 5 Years 1 - 5 Years
        Processing Fee 0.25% - 2% of the Loan Amt 1% - 2.5% of the Loan Amt
        0.5% - 2% of the Loan Amt
        Preclosure Charges 2%, Nil foreclosure charges after 12 months 2%, Nil foreclosure charges after 24 months Nil
        Overdraft Facility No No Yes

        Personal Loan in Vijayawada Features

        Looking for a loan? Don’t wait now? Do not worry. Personal Loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.

        Personal Loan Vijayawada is an unsecured loan that provides financial aid to the customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a rigid and good income source and has a good credit history. Furthermore, there is no end-use restriction on the use of the personal loan amount. You can use this loan amount anywhere you want to do.

        Personal Loan in Vijayawada Interest Rates

        Bank Processing Fee
        Prepayment Charges
        HDFC Bank Personal Loan 0.25% to 1.50%
        2%, Nil foreclosure charges after 3 months
        Axis Bank Personal Loan 0.50% to 1.50% Nil
        Private Bank Personal Loan 0.25% to 1.50%
        2%, Nil foreclosure charges after 9 months
        SBI Personal Loan 500/- to 0.50% Nil
        Kotak Personal Loan 1% to 2%
        2.25% of fore closure amount if closed 1 month ahead of the tenure.
        IIFL Personal Loan Nil Nil
        Muthoot Personal Loan Nil Nil
        Manappauram Personal Loan Nil Nil
        PNB Personal Loan 0.70% to 1% Nil
        Canara Bank Personal Loan 0.01 Nil
        Andhra Bank Personal Loan Nil Nil

        To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

        Documents required for Personal Loan Vijayawada

        Salaried Customers:

        1. Identity proof (Aadhar card/driving license)
        2. Salary slips of last three months
        3. Bank statements for the last 6 months
        4. PAN Card
        5. Residence Proof (Owned/Rented/Company provided)
        6. Passport-sized photographs – 2

        *NOTE: In case of rented apartments, rent agreement needs to be attached.

        Self-Employed Customers:

        1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
        2. PAN Card
        3. Aadhar Card
        4. Residence Proof
        5. Two passport-sized photographs

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan in Vijayawada Eligibility Criteria

        The personal loan eligibility criteria for both Salaried and Self-Employed are different:

        Salaried Applicants

        1. The individual’s minimum age requirements should be 21 years and a maximum of up to 60 years.
        2. The applicants must have the work experience of the three years. And the salary should be received in their accounts only.
        3. The applicants must have an excellent credit history.
        4. The job location of the applicant should be mentioned.
        5.  A borrower should have a minimum income of INR 25,000 per month

        Click here to know more about- Salaried Applicant

        Self-Employed Applicants

        1. The minimum age requirement for an independent person should be 25 years.
        2. The applicants applying for the personal loan should file ITR for the last three years.
        3. If the applicants are the businessman, then the business should be running from the past three years.
        4. The individual applicants’ credit score should be good .there should not be any debt or dues left.
        5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
        6. The whole documentation process of the personal loan is the applicants have to submit his financial and bank statements of the previous three months.

        Click here to know more – Self-employed Applicant

        Personal loan vijaywada

        Why Apply for Personal Loan Vijayawada?

        1. There is no need to deposit any mortgage and collateral security to the bank.
        2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
        3. The amount of personal loan depends upon the repayment of individual income and capacity.
        4. A Personal Loan does not require any guarantor or nominee.

        How to apply for Personal Loan in Vijayawada?

        1. Visit www.dialabank.com.
        2. Go to the loan section and click on the personal loan link.
        3. The applicant will be directed to all personal loan details where they can choose their preferred city.
        4. For more information and free guidance, you may call on 9878981166.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Processing Fee / Prepayment Charges on Personal Loan Vijayawada

        Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary from 1% of the sanctioned loan amount.

        In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the loan’s 4th year.

        Personal Loan EMI Calculator Vijayawada

        Equated Monthly Installments, also known as EMI are the monthly fixed charges you pay to the bank as monthly repayment for the loan amount borrowed.  Based on your profile, the interest rate on your loan is determined. Your EMI is calculated using personal loan EMI calculator basis the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan.

        CIBIL Score required for Personal Loan Vijayawada

        Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Delhi. Most institutions require a minimum score of 750 to process your loan application.

        The institutions don’t just look at the overall score and the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing a fresh loan.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan Vijayawada Agents

        Dialabank is the leading agent for availing Personal Loan in Vijayawada. You can apply online at www.dialabank.com or give a call at 9878981166

        Dialabank helps you find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks to make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

        Personal Loan Vijayawada Contact Number

        Call 9878981166 and get instant help and approval for a Personal Loan in Vijayawada.

        Pre Calculated EMI Table for Personal Loan Vijayawada

        Rate
        5 Yrs
        4 Yrs
        3 Yrs
        10.50%
        2149
        2560
        3250
        11.00%
        2174
        2584
        3273
        11.50%
        2199
        2608
        3297
        12.00%
        2224
        2633
        3321
        12.50%
        2249
        2658
        3345
        13.00%
        2275
        2682
        3369
        13.50%
        2300
        2707
        3393
        14.00%
        2326
        2732
        3417
        14.50%
        2352
        2757
        3442
        15.00%
        2378
        2783
        3466

        About Vijayawada

        Vijayawada, formerly known as Bezawada, is a city in the Indian state of Andhra Pradesh. It lies on the banks of River Krishna. It is surrounded by the hills of the Eastern Ghats known as Indrakeeladri Hills in Krishna District. It geographically lies on the centre spot of Andhra Pradesh. The city has been described as the commercial, political, educational, and media capital of Andhra Pradesh; also the 27th largest city in India, second largest city in Andhrapradesh and is one of the rapidly growing urban areas in India.

        FAQs About Personal Loan Vijayawada

        ✅ Who can apply for a Personal Loan in Vijayawada?

        People who urgently need cash and have a regular income source (from employment or business) can apply for a Personal Loan in Vijayawada.

        ✅ What is the tenure of Personal Loan in Vijayawada?

        Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed tenure of the loan.

        ✅ Are there any other charges involved in Personal Loan Vijayawada?

        Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Vijayawada:

        Processing Fee: For every bank or lending institution you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The processing fee varies for each lending institution and is normally from 1% of the loan amount.

        Pre-closure Charges: Whenever you want to close a running loan before its agreed tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

         Can my application for Personal Loan Vijayawada get rejected due to my CIBIL score?

        Since a Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments to decrease your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.