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Personal loans are extremely versatile financial products that can help you fulfil a variety of short-term and long-term requirements. You can make use of personal loans to purchase an expensive consumer durable product, to consolidate existing debts, or to meet wedding expenses. They can also be used to pay for emergency medical bills or to fund that vacation you’ve been dreaming of. On Finserv MARKETS, you can easily apply for a personal loan without any hassles.
You can also make use of the Finserv MARKETS app to place a request for a personal loan. Being one of the best personal loan apps available for borrowers, the application offers an easy and receptive user interface that’s simple to use and quick to respond. With many user-centric features like exclusive offers and deals, support for digital payments, and prompt assistance from YARA, the friendly chatbot, this tool from Finserv MARKETS may just be the apt for personal loan applicants looking for a smooth and hassle-free experience.
If you’re interested in availing a loan through the Finserv MARKETS app, you’ll find these personal loan FAQs very useful. Take a quick look to understand the features and details of these loans better.
You only need to submit basic KYC documentation to apply for a personal loan. Here’s the list of documents needed.
Aadhaar card/passport/driving license
PAN card
Bank account statement for the previous three months
The amount of loan that you can borrow depends on your individual profile. Broadly speaking, you can get instant personal loans up to Rs. 25 lakhs on Finserv MARKETS.
The interest rate charged typically varies from one applicant to another. However, rest assured that you can get affordable rates of interest on personal loans on the Finserv MARKETS application. Interest rates start as low as 12.99% per annum.
You can choose your repayment tenor from flexible options, which lie between 12 months and 60 months.
Personal loans availed on Finserv MARKETS are unsecured borrowings. So, you do not need to offer any security or collateral.
The turnaround time for the loan disbursement depends on when you submit your documents, and on whether they are accurate and in order. Once your KYC details have been verified, the loan is disbursed quickly to your account, often within 24 hours.
You don’t need to go to any extra lengths to get your paperwork to us. In fact, you can submit soft copies of your documents on the Finserv MARKETS app itself.
You can use the Finserv MARKETS app to update your personal details.
We only ask for your bank details because we need it to verify your details and to sanction the personal loan offer.
We charge a minimal processing fee on personal loans. The fees do not exceed 3.99% of the loan amount.
Yes, it’s possible to set up an automatic repayment arrangement on the loan. This helps you pay your EMIs promptly and eliminates the possibility of you accidentally skipping a payment.
You can log in to the Finserv MARKETS app using your credentials and use the app to track and save these documents.
The foreclosure charges come up to around 4% of the current principal outstanding (POS), plus taxes applicable, if any.
With this loan, you enjoy the flexibility of prepaying the loan if you have any surplus funds lying idle.
At any point in time, you can also re-avail the amount prepaid within the drop-line facility without any need to submit additional paperwork, as long as this is within the tenor of the loan.
You also get to save on interest costs, since interest in Flexi loans is payable only on the amount of loan utilized.
Yes, you can make part-prepayments on your personal loan without any trouble at all.
In case the app crashes before the process of loan application is complete, you can always try to launch the app again, so you can apply for the loan once more.
Now that you have the answers to these personal loan FAQs, you can go ahead and use the app to submit an application. Once you use the app, you’ll see why it just may be one of the best app for personal loan applicants. You get to enjoy several benefits such as exclusive in-app offers, zero collateral requirements, and assured flexibility with regard to repayment tenures ranging from 12 months to 60 months. There’s also minimal paperwork required, no third-party involved, and several value added services to look forward to.
I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!
My husband and I will finally move into our own house this Diwali. All thanks to Bajaj Finserv, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!
Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!
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I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!
Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!