Even though located in Uttar Pradesh, the city of Ghaziabad forms a part of the National Capital Region (NCR). It is the largest city in Uttar Pradesh and touted as the fastest developing one. It is not long before Ghaziabad would become a developed city. The city’s infrastructure development’s recent highlights include Hindon elevated road, grade separator, and metro connectivity.
It can often become challenging for people in this city to manage large-scale or unforeseen expenses because of the steep costs of living. One of the ways how a person can access immediate funds is through credit card loan in Ghaziabad. It can be useful not only for managing daily expenditure but also for obtaining emergency credit.
Read on to know more about availing loan through credit card.
It is common knowledge that credit card is an effective option to make a variety of purchases sans any cash payment. However, cardholders may not have much clarity about an instant loan on credit card. It is a personal loan that one can get against the unused limit of a credit card.
Here are a few critical features of a credit card refinancing Ghaziabad –
Despite all the utility of a credit card loan in Ghaziabad, the unsecured nature of the loan imposes a range of pre-conditions on the borrower.
For instance, if you are thinking about taking a credit card loan for car, not only would the interest rate be considerably high, but also the CIBIL score of the applicant would be assessed. One shall look up the specific requirements when searching for ‘credit card loan lenders near me’ for further information.
If you seek to enjoy all the benefits that come with credit card loan in Ghaziabad and at the same time not be subject to the exorbitant interest rate, a gold loan can be the most suitable option.
The disbursal of a gold loan takes nearly as less time as a credit card loan. Here are some of the other characteristics of a gold loan besides that –
This is merely an indicative list of various benefits of a gold loan. Since there are a host of other advantages offered under a gold loan, consider opting for the same instead of searching “credit card loan provider near me”.
Apart from a highly competitive rate of interest levied on a Rupeek gold loan, these are some of the other major advantages –
Borrowers have the option of choosing a gold loan scheme based on repayment frequency that suits their purpose. One can opt for monthly repayment or pay any amount as per their convenience within the tenure.
You can use the gold loan calculator to determine the loan amount that can be obtained for your gold jewellery. The loan amount may go up as high as Rs. 1.5 crores.
We have put stringent protocols ranging from GPS-enabled carry bags to military-grade bank vaults to ensure pledged gold ornaments are entirely safe with us. People also get complimentary gold insurance policy with us for the entire repayment tenure.
Borrowers can end up saving almost to the tune of Rs. 12,377 for every lakh in interest by refinancing their existing loan with Rupeek.
You can avail instant online gold loan at your doorstep given that out loan manager will visit you within 30 minutes from the registration of your application.
Moreover, the overdraft facility extended in the form of Rupeek Quick allows borrowers to secure a credit line by pledging the gold once. This will enable you to avail cash anytime, and interest has to be paid only on the amount withdrawn. This allows you to cut down on interest payment.
We extend our services in major localities in Ghaziabad, with the sole aim of providing you with better service. Here are some of the locations where you will find us -
Hence, consider opting for Rupeek gold loan as an alternative to a credit card loan in Ghaziabad. Besides the many additional benefits, the more straightforward repayment process ensures+ there is no excessive strain on your finances.
So, what are you waiting for? Apply for Rupeek Gold Loan today!
It varies across financial institutions. But, it also depends on whether you are opting for a fixed interest rate or floating interest rates. Fixed rates are usually higher as they remain constant throughout the tenure.
To avail a gold loan from us, you can only pledge gold jewellery. We do not take gold coins or gold bars. Also, only the jewellery of 18 carats or more will be accepted.
Rupeek does not check your current obligations before sanctioning a gold loan. Thus, even if you are already servicing a credit card loan in Ghaziabad, you can get a gold loan.
The tenure of a Rupeek gold loan is between 4 months to 6 months.
Your credit score only improves if you timely repay the loan. Late payments or default will not reflect well on your CIBIL score.
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