Apply Online Instant Personal Loan
Advantages of An Unsecured Personal Loan :
A Personal Loan is a loan which is a transferred directly to your bank account. A personal loan can be used for any purpose you want. You can use it for refinancing your Debt, medical emergency,expenses, credit card bill payments,two-wheeler or four wheeler financing, Buying electronics, renovating your home,or any other reason you want to spend the cash on. Since you get the loan amount directly credited in your bank account, You can choose to do what you want to do with the loan amount. Credy does loan disbursal directly to your bank account via IMPS.
A Personal loan can be both secured or unsecured. A secured personal takes some form of collateral against the loan. This collateral offers security to the lender so that if a borrower fails to make payments, they can make good of their losses in partial or full via the collateral. However, in an unsecured personal loan there is no collateral, and hence is less hassle for the borrower. At Credy we offer a convenient paperless unsecured personal loan to salaried people. To be eligible for the loan you have to be employed at any private or government sector company.
Credy's Instant Personal Loan Online - Application Process:
Credy Provides instant personal loans online in india, Personalized to your specific use case at very competitive interest rates and with great customer service. The loan application process is completely paperless and online. You can apply for the loan by filling the online application Form.
- Instant Loan: Get to know if you are eligible for a loan instantly, As soon as you finish the instant loan application. This Step is Completely free, You can check your eligibility without incurring any Cost.
- Employment Details: Once you Know That you are eligible for a loan, Then you have to provide basic details about your current company,Current Experience, and your work email.
- Personal Details: Provide your card PAN card number, date of birth and address.
- Six-Month bank statement: Provide your six-month bank statement by either logging into your net banking or by downloading and uploading your six-month bank statements. It is recommended that you upload the bank statement by doing a net banking login, it is a completely secure and hassle-free process.
Before disbursement of the loan, our Executive will visit your house to provide you with doorstep service. The executive will collect basic documents for identity and address Proof during the visit.
Instant Loan Application:
This step asks for basic questions about you and your financial health. You need to provide the followwing to finish this step. You should always provide accurate information about all the questions to ensure hassle-free proccessing of your loan.
- Monthly take home salary: This is the salary amount which you get in your salary account every month from your Company.
- Employment Status: Please tell us if you your are salaried, Self-employed as Currently, we are giving loans only to salaried individuals. However, you can still do the application, when we launch the Credy loan services for non-salaried individuals, we will contact you.
- How you get your salary: please tell us how you get your salary? is it via direct money transfer to your bank account? or via cheque or cash. Currently we are giving loans to people who are getting their salary via the bank account only.
- Current EMI: This is the current EMI which you are currently paying for any of the existing loans you have.
- Credit Score: Your credit is a score provided to you by the credit bureaus. If you do not know your credit score, you should enter 300 here. Know more about credit score here.
- Reason for loan: please tell us the reason for your loan. This will help us give you the best possible offer customized for your use case. if your use case is not listed in the drop down,then you can select "OTHER" and Provide us with the reason in the comment section,which will show up on selecting the "OTHERS" option.
- Loan amount required: Please tell us the loan amount which you require. We will give our offer to you based on this.
- Current residence Type: Please tell us the type of your current residence. This must be of the place you are currently residing in. If the house you are currently living in is owned by you,you can choose "Owned By Self" if that house,With your family, you can choose "Owned by Parents" If you live in a rented house, with your family, you can choose "Ranted by family" if you live in a rented house alone,you can choose "Ranted Alone" if you live with your friends in the house alone, you can choose "Ranted with Friends" if you live as paying guest in your current residence, you can choose "paying Guest",If you live in a Hostel choose "Hostel", if you live in quarters provided by your office,choose "office Quarter".
- Current Address Proof Type: Please tell us any address proof of the current address you have. Note that having an address proof is mandatory for getting a loan. The address which you provide must be present on the address. These are typically any of the identity proofs which you get from government institutions. Some of the possible address proofs.
Personal Loan Interest Rates
(Updated on July 26, 2020)
Documents Required;
The credy personal loan process is completely paperless. No paper document is collected from the borrower for loan processing. When credy executive visits your house for verification,you would be required to provide the following Documents:
- ID Proof ( Adhaar,Pan Card)
- PAN Card
- Address Proof
Click here For Apply instant Personal loan From Credy
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