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Personal loan

• Bill Memerik

  
   

  July 21, 2021

  What is the best bank to get a personal loan with low interest?

  What is the best bank to get a personal loan with low interest?

• Veronica Park

  
   

  July 21, 2021

  I would say try new private banks like IndusInd bank or Typical aggressive bank like ICiCi bank, as in both the cases banks are looking for customers in market aggressively for personal loan. But icici bank gives personal loan only if you have savings bank account with them. Else no.

  
  

  Anybody will give you personal loan between 13%- 17% rate in case you have great credentials . Else rate can go up to 30-35% as then you will get only from NBFC like Bajaj or Fullerton.

  
  

  Couple of advice-

  
  

  1) Call sales guy for personal loan on23rd of month-- As I mentioned in my earlier answer banks does their 80% of loan business in last 5 days of month. You call the sales guy on 23rd. He will come and collect papers. He will get it approved by 27th maximum. He will then ask for loan agreement from your side to process the loan. Don't sign till 29th. Drag it. Most of the sales guys have 5-6 cases through out the month and play with them. On 29th you ask them you will go only if you can go with lesser rate. Check this. You will see you will get best deal. But always give your application to atleast 2 banks if you are looking for best deal.

  
  

  2) lower Interest rate can also mean higher one- Taking loan can be very tricky. There are so many things in a loan that it's very difficult for a common man to deal with. They can give you 13% rate but can build in 2 early EMIs ,structure, or they can sell you 13% flat rate of interest instead of reducing balance, or they may charge you high processing fees.

  
  

  Personal loan is biggest profit maker for any bank . Always ask all the details from sales guys. Ask what is hidden and what is not. If possible take a mail from sales guy.

  I would say try new private banks like IndusInd bank or Typical aggressive bank like ICiCi bank, as in both the cases banks are looking for customers in market aggressively for personal loan. But icici bank gives personal loan only if you have savings bank account with them. Else no.

  Anybody will give you personal loan between 13%- 17% rate in case you have great credentials . Else rate can go up to 30-35% as then you will get only from NBFC like Bajaj or Fullerton.

  Couple of advice-

  1) Call sales guy for personal loan on23rd of month-- As I mentioned in my earlier answer banks does their 80% of loan business in last 5 days of month. You call the sales guy on 23rd. He will come and collect papers. He will get it approved by 27th maximum. He will then ask for loan agreement from your side to process the loan. Don't sign till 29th. Drag it. Most of the sales guys have 5-6 cases through out the month and play with them. On 29th you ask them you will go only if you can go with lesser rate. Check this. You will see you will get best deal. But always give your application to atleast 2 banks if you are looking for best deal.

  2) lower Interest rate can also mean higher one- Taking loan can be very tricky. There are so many things in a loan that it's very difficult for a common man to deal with. They can give you 13% rate but can build in 2 early EMIs ,structure, or they can sell you 13% flat rate of interest instead of reducing balance, or they may charge you high processing fees.

  Personal loan is biggest profit maker for any bank . Always ask all the details from sales guys. Ask what is hidden and what is not. If possible take a mail from sales guy.

• Deleted Member

  
   

  August 20, 2021

  When you need to pay off a debt urgently, getting a loan is the best solution. I rarely use loans and only when I need to make a large purchase or I just need a large amount of money when I am looking for a loan company. Regarding the terms and conditions for obtaining the 1 hour payday loan that I use, see the PaydaySeek website for more information. Always look at the company's requirements for the customer, if they are not there, in my opinion, it is not worth taking such a loan.

  When you need to pay off a debt urgently, getting a loan is the best solution. I rarely use loans and only when I need to make a large purchase or I just need a large amount of money when I am looking for a loan company. Regarding the terms and conditions for obtaining the 1 hour payday loan that I use, see the PaydaySeek website for more information. Always look at the company's requirements for the customer, if they are not there, in my opinion, it is not worth taking such a loan.

• Hilss Brown

  
   

  September 28, 2022

  There are many ways to get a small loan, even if your credit isn't in great shape. But not all small loans are created equal, and some are much more expensive than others. If you need a little cash but don't know where to look, it's important to keep a few things in mind as you begin your search and compare your options. Here's what you should know about where to get a small loan. To do this, I advise you the site apply.credit9.com reviews which once helped me in order to get a loan, I also advise you

  There are many ways to get a small loan, even if your credit isn't in great shape. But not all small loans are created equal, and some are much more expensive than others. If you need a little cash but don't know where to look, it's important to keep a few things in mind as you begin your search and compare your options. Here's what you should know about where to get a small loan. To do this, I advise you the site apply.credit9.com reviews which once helped me in order to get a loan, I also advise you

• Anna Libert

  
   

  Jan 19

  Synchrony Financial is a prominent provider of consumer financial services, catering to clients from diverse industries. With an extensive array of lending products and services, they offer credit cards, financing options for significant purchases, and assistance in managing existing credit accounts, check synchrony financial reviews for details. Their reliable and convenient solutions ensure customer satisfaction, making them a trustworthy choice that never disappoints.

  
  

  
  

  
  

   

  
  

  
  

  
  

   

  
  

  
  

   

  
  

   

  
  

  
  

  
  

  
  

  
  

  Synchrony Financial is a prominent provider of consumer financial services, catering to clients from diverse industries. With an extensive array of lending products and services, they offer credit cards, financing options for significant purchases, and assistance in managing existing credit accounts, check synchrony financial reviews for details. Their reliable and convenient solutions ensure customer satisfaction, making them a trustworthy choice that never disappoints.