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Loans have become an inevitable part of our lives. Be it for professional, business or personal reasons, there is the constant need for meeting financial exigencies which makes loans such an invaluable necessity.
No one can predict when an emergency would strike. Often, an emergency results in a lot of financial pressure on an individual’s cash flows. To get immediate cash during an emergency, people opt for a personal loan from banks, NBFCs and digital lenders.
Have you ever found yourself in a financial dilemma where you needed money immediately but no means to get that? There is one relatively-less-popular solution that you can fall back on in such cases - you can take a personal loan on your credit card to meet emergency cash needs.
A personal loan comes with many benefits and can prove to be a stress-relief in case of financial emergencies. If you have already sourced one and are now faced with a sudden large expense need like a marriage, you have two options:
In a massive relief to individual and MSME borrowers, the Union Government has announced a waiver of the compound interest incurred by loans during the moratorium period from March to August.
Personal loan lenders gauge an individual’s ability of loan repayment by verifying his or her credit score. Credit score acts as a summary for one’s credit history, total credit borrowed, how the repayment was made, and several other factors.
India is considered to be one of the top breeding grounds for start-ups. Today, it ranks number three in the world in the start-up business category. With immense entrepreneurial capability and passion for business, Indians are entering the start-up genre like never before.
Personal loans come in the form of short- or medium-term loans that are mostly unsecured since they do not require any security at the time of disbursal. They are usually disbursed within a few hours or sometimes a few days and require minimal paperwork.
Personal loans are one of the easiest ways to raise cash for emergencies and other miscellaneous expenses. It's readily available to both salaried and self-employed individuals. In India, almost all commercial banks, NBFCs (Non-Banking Financial Corporations), and even digital lenders offer personal loans.
The need for emergency financial assistance can arise at any time – irrespective of whether you are in your 30s or 60s.
A line of credit (LOC) is an open-ended loan which can have multiple uses. It is a kind of revolving loan that is somewhat similar to a credit card.
A lot of individuals take loans at various junctures to meet their different financial requirements. However, when they are faced with a financial crunch during this time, there could be outstanding payments towards these loans.
Debt management is a serious task. With so many loan products in the market, it is very easy to fall into the debt trap, but true brilliance is in staying afloat. Defaulting on your loans is not a pleasant experience.
Energy efficiency and consumption of renewable energy resources have been encouraged throughout the MSME industry. The Government of India, with the objective of incentivizing such MSMEs that promote sustainable energy development, has introduced the Sustainable Finance Scheme (SFS). This scheme is aimed at providing financial aid to such MSMEs that support Environment and Climate Friendly energy consumption and production processes.
Personal loans are a swift way to procure cash for an emergency or any other needs. They have soft terms with respect to the eligibility criteria and the income range of the borrower. They are disbursed as quick as 24 hours to place the required funds in your bank account. However, such alluring financial aids always have a catch.
A personal loan is an unsecured loan taken by individuals from a bank or a non-banking financial company (NBFC) to meet their personal needs. It is provided on the basis of key criteria such as income level, credit and employment history, repayment capacity, etc.
Ahead of festive seasons, it is impossible to avoid the advertisements from lenders, offering loans for shopping and various other needs. Many await this opportunity to grab the best offer to buy a home, car, jewels, etc.at low interest rates.
Not many realise the importance of repaying debts taken from banks, NBFCs or online lenders. It’s the primary responsibility of the borrower to make the repayment on-time. Failure to do so can result in barring you from availing any future loans when you need them the most.
A personal loan is an unsecured loan that is quite popular among the borrowers. While the personal loans are availed for varied purposes, the eligibility criteria to get the personal loan generally remain the same.
A personal loan is a popular loan option among all other loans as you can get the funds without any security. As the risks are higher for the lender in a personal loan, the interest rates are also higher. As a result, many feel it a burden to manage along with the monthly expenses. A huge sum of money is paid towards interest to the lender.
Multiple debts can sometimes cause you distress. You may yearn to get out of it as soon as possible. Debt consolidation is a great financial option that can merge multiple credit card bills and loans. This method is very effective especially when you have higher interest loans and credit card debts.
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