Credit Card Loan in Jaipur

With the constant push towards Digital India, citizens are gradually becoming more card-savvy, resulting in an increasing dependency on plastic money. While there are several payments cards in circulation, credit cards have gained immense popularity primarily due to their ‘buy now, pay later’ feature. 

Besides paying for different expenses on credit, individuals can avail a loan on credit card Jaipur to address any financial exigency. Select financial institutions allow cardholders to avail a loan against the unused credit limit of their cards. 

Borrowers can repay the loan against credit card via monthly instalments within a pre-specified tenure. Since the credit limit of a card is fixed, a credit card loan in Jaipur is typically pre-approved in nature. Thus, individuals in dire need of instant advances can search for this loan by typing ‘credit card loan providers near me’. 

Credit card refinancing Jaipur has some characteristics that individuals can consider before applying for the fund. 

• A credit card loan in Jaipur does not come with any end-use restriction. 
• Individuals are allowed to avail a loan amount within their card’s limit. 
• No additional documentation is required to avail the loan. 
• One can use the loan to pay credit card outstanding. 
• The approval and sanction of the loan amount are instant. 

However, not everyone who has a credit card is eligible for this loan. Individuals need to fulfil certain loan against credit card eligibility Jaipur to access the funds. 

Individuals who are looking to apply for a credit card loan in Jaipur need to have -

• An excellent credit score of 750 or above. 
• Must have a good repayment history of the credit card bills. 

Most financial institutions offer a credit card consolidation loan to those with a remarkable bill payment pattern. 

However, for individuals who not have a credit card or are looking for a higher loan amount, this borrowing option may seem inconvenient. In this regard, they can opt for a more viable financial option like a gold loan. This particular funding avenue accompanies a host of benefits that makes it an apt alternative to a credit card loan in Jaipur. 

Almost every Indian household possess some amount of gold, irrespective of the financial status. In most cases, the gold sits idle in the locker. Therefore, a gold loan allows individuals to leverage gold’s equity to raise funds. 

Apart from this, some of the benefits of a gold loan include 

• No restriction on usage. 
• Minimal documentation.
• Reduced cost of borrowing
• Lower interest rate.

Unlike an instant loan on credit card, the lower interest rate against a gold loan makes it affordable for many potential borrowers. In addition, individuals can multiply their advantages by choosing a Rupeek gold loan. 

Following are some of the features and facilities of a Rupeek gold loan that individuals can consider while looking for a feasible borrowing option. 

1. Highest Per Gram Value 

Individuals can avail funds of up to Rs. 1.5 crores if they have adequate gold to pledge. We offer almost 80% of the current value of the gold pledged. Individuals can also make use of an online gold loan calculator to estimate the amount they have to offer to avail their desired amount. 

2. Competitive Interest Rate

While loan on credit card Jaipur interest rate is on the higher side, our gold loan interest rate starts from 0.49% per month. Consequently, the EMI payable is also significantly reduced. 

3. Flexible Repayment Options 

Besides a regular EMI option, we also have a flexible repayment scheme that one can choose as per his/her financial capacity. 

Individuals can repay the whole amount via a single bullet payment or pay as and when they can within the tenure. 

4. Easy Loan Processing 

Rupeek also offers doorstep loan services that let borrowers avail a loan from the comfort of their home. After requesting for a Rupeek gold loan, the appraisal, document verification and loan disbursal are initiated at the borrower’s home. The entire process takes an average of 45 to 60 minutes. 

5. Improved Gold Security 

The pledged gold is absolutely safe with Rupeek. We follow the procedure mentioned below to ensure the same -

• The gold is collected from the borrower and carried in a GPS-enabled sealed container to the nearest partner bank’s vault. 
• We provide complimentary door-to-door insurance of the pledged gold. 

Therefore, the safety of the gold is assured with Rupeek. 

Besides these, individuals also enjoy added benefits with our overdraft facility. 

Known as Rupeek Quick, this overdraft facility allows existing Rupeek borrowers to derive additional funds by pledging additional gold. Borrowers can choose to utilise only a portion of the total funds sanctioned as and when required. As such, they pay interest only on the utilised funds.

Moreover, we levy interest only on the fund utilised. It further reduces the burden of interest payment.

People residing in Jaipur can check the following location list and request for Rupeek’s doorstep services in these areas. 

1. Ashok Nagar
2. Amer
3. Talvandi
4. Vaishali Nagar
5. Mansarovar
6. Vidhyadhar Nagar
7. Jagatpura
8. Shastri Nagar
9. Shobha Nagar
10. Bhankrota
11. Durgapura
12. Gandhi Nagar
13. Jhotwara
14. Malviya Nagar
15. Bani Park

Hence, individuals who cannot afford to pay a high interest rate that a credit card loan in Jaipur accompanies can consider opting for the more convenient Rupeek gold loan. One can utilise the funds to pay for any planned or emergency expenses without hassle. 

Service a gold loan with Rupeek and finance any big-ticket purchase with ease.