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Agra banks and NBFCs provide personal loans that can be availed by people who have a minimum salary of Rs. 15,000. Many banks and lenders allow you to apply for a loan online. No collateral needed. Check eligibility now on CreditMantri.
12 - 16 months
6 to 36 months
Do you live in Agra? Wondering how to get a personal loan in Agra and what your options are? Read on!
Almost all major banks and NBFCs offer personal loans in Agra including Shriram Finance, Axis Bank, HDFC, Citibank, Fullerton, ICICI Bank, SBI etc. Many banks and lenders allow you to apply for a loan online, even if they do not have a presence in Agra. As mentioned before, you have the freedom to use the money in any way you want.
A personal loan in Agra also doesn’t require any collateral. However, this may depend on your creditworthiness—a few banks might ask for a guarantor, or a token security of some sort. But mostly, banks offer personal loan in Agra without any collateral / security, meaning you are not required to provide any security to the lender in the form of cash, shares or any other assets. This might make it more attractive to some customers who may not be able to raise the cash or have any asset required as collateral.
Personal loans in Agra for salaried, self-employed and business people are easily available. For the best personal loan offer, you can compare and find the best personal loan providers in Agra.
Well, it is not impossible, but certainly difficult to avail any kind of loan with bad credit. Having a bad credit score means availing of the loan at highly unattractive terms like a high interest rate. You might be also asked to pledge collateral as form of security. It’s best to improve your credit scoreto a healthy number ( of 750 or above) before applying for a personal loan, so you avail of better terms and are able to negotiate for the best interest rates.
Here are some of the general criteria for being eligible for a personal loan:
For salaried / self-employed professionals
The documents required are fairly standard: Address proof, identity proof, 6 months / 3 months bank statements etc. For professionals, your degree certificate / educational documents might be requested for. Following are an overview of the documents generally asked while applying for a personal loan in Agra:
1. Where can I apply for a personal loan in Agra?
Banks and NBFCs like HDFC, ICICI, CitiBank, SBI and other finance companies offer personal loans wherever you live in India.
2. Are NRIs eligible to apply for a personal loan in India?
Yes, but the banks will have rules and regulations pertaining to NRIs. It is best to contact the bank directly before applying if you are an NRI.
3. Who is eligible to apply for a personal loan in Agra?
Salaried individuals, self-employed professionals and business people can apply for personal loan in Agra.
4. Can I apply through personal loan agents in Agra?
Yes, if for any reason, you are unable to go to the bank directly, you could also approach private personal loan providers in Agra.
5. How much loan amount can one borrow?
How much you can borrow depends on your net annual income, existing loan obligations, the company you work for, your repayment capacity and other criteria.
6. What are the tenure options available?
Convenient repayment options are available with tenure generally ranging from 12 to 60 months.
7. How will I repay my Personal Loan?
You can repay your loan in a convenient, easy, and hassle-free way through EMIs.
You can apply directly online at the bank/ NBFC's website
You can go in person to the branch to apply for a loan
You can approach a personal loan agent in Agra
Need help? Alternatively, if you think you need help with your loan application process and advice on loan eligibility, CreditMantri can guide you and match you with the loan offer that best suits your profile.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.