Lucknow

Lucknow – The Constantinople of India is a significant contributor to UP’s GDP, with nearly Rs. 40,397 crores, which equates to 3.85% of state GDP, second only to Noida, as per The Times of India.

Lucknow Municipal is the first in India to list municipal bonds in the stock exchange worth Rs. 200 crores, at 8.5% interest as per Financial Express. With a population going south of 45 lakhs, there’s a significant demand for instant funding sources like a credit card loan in Lucknow.

An increasing need to improve lifestyle without the hassle of monthly credit card bills is a major reason this trend is catching up by the day. Liquidating your hard-earned savings is not always a preferable option.


One cannot predict emergency expenses, and opting for an **instant loan on credit card** is a preferable option in such situations. The lender will provide this based on the unused credit limit.

Some salient features which make **credit card loan in Lucknow** a convenient option to meet unforeseen expenses are:

- Minimal paperwork and verification hassles, as the financial institution is already in possession of requisite documents.
- User-end activities with the borrowed money are not restricted and do not influence the loan amount in case of a **personal loan against credit card**.
- Easy EMI repayment option over a specified tenure saves from the headache of paying the amount back immediately.

For example, you can take a **credit card loan for car** for Rs. 5 lakhs and pay it back within a tenure of your choice. Make sure you check the maximum tenure you can choose when searching for ‘credit card loan lenders near me’.

However, this option calls for a clean repayment history and a high credit score. One may need to pay an excessive interest rate otherwise. Lending institutions can also reject a person’s application or offer a smaller loan.

As it is challenging to avail a credit card loan with a bad credit score, one can consider a gold loan.

## Why Credit Card Loan?


Apart from a trouble-free disbursal, a gold loan has minimum requisites for eligibility. Available at low interests, gold loan is an apt substitute for people looking for **loan to pay credit card outstanding** or other sudden medical expenses. 

You can opt for gold loans for several advantages it gives you over other secured and unsecured loans – listed below.

- Low-interest rates play a significant role in saving on your debt consolidation. Besides, it also helps you to pay your pending credit card bills or other lump sum expenses.
- Medical expenses cost a fortune, and using up saved earnings is not always a feasible option. Gold loans are high-value financing options, which can help you meet any large expenses.
- Businesses often need small and large investments to expand its operations. Easy repayment options are an added plus in such situations.
- Taking care of expenditures like studying abroad, or foreign trips is easily covered by gold loans.

It is beneficial if you choose a lender willing to provide not only the above benefits but more. If you are looking for a loan without the hassle of credit card loan documents, opting for Rupeek gold loans is a safe bet.

## Gold Loan – A Financial Helping Hand

- **Hassle-Free Online Application:** Rupeek offers an online solution to meet your gold loan needs. All it requires is registering with your phone number. You can then choose a loan option as per your requirements, and our representative will get in touch with you as soon as possible.

- **Security:** Rupeek transports the gold ornaments in a GPS-enabled bag, which you can track till it reaches a secured bank vault. In addition, the company also provides complimentary gold insurance coverage, in case of any unforeseen damage or theft.

- **High Per Gram Rate:** You can take up to Rs. 1.5 crores in exchange for pledging gold accessories. Interested customers can also check the loan amount he/she is eligible for by using the [gold loan calculator](https://rupeek.com/calculator) from Rupeek.

- **Easy Repayment Options:** Rupeek offers a range of repayment options you can choose while applying for a gold loan. Flexibility in tenure length and repayment structure make Rupeek gold loans a go-to option.

- **Low Interest Rate:** Manage [interest payment](https://rupeek.com/interest-payment) without hassle. Our interest rates start at 0.49% per month, making this financing option more accessible.

- **Gold Overdraft Loan:** Also known as [Rupeek Quick](https://rupeek.com/rupeek-quick), it allows borrowers to get an extended line of credit on top of their existing gold loan. An attractive edge of this feature is that the interest is charged only on the utilised amount from the extended credit limit. Immediate access to funds aids you to meet any sudden expenses you may need to incur.

It is a go-to option if you are unsure when you might require the money and are unwilling to pay interest every month.

## Significant Advantages Of Rupeek Gold Loan


Our doorstep services are available in the following locations in Lucknow –

- Raibareli Rd
- Charbagh
- Alambagh
- Lucknow Chowk
- Indira Nagar
- Mubarakpur
- Gomti Nagar
- Cimap
- Jankipuram
- Qaisar Bagh
- Mohanlalganj

Our representative will be at your doorstep within 30 minutes of setting an appointment. Thus, you can access funds any time from the comfort of your home to meet urgent expenses. Due to this and other industry-first features, our gold loan is rapidly emerging as an able competitor to **credit card loans in Lucknow**.

## Rupeek’s Service Locations In Lucknow


It depends on the approved credit limit of your credit card and unutilised balance. So, if your credit limit is Rs. 1 lakh and you have withdrawn Rs. 50,000, you can avail a credit loan of up to Rs. 50,000. This can exceed based on your credit scores and payment history.

## How much credit loan in Lucknow can I get?




It varies with the financial institution from which you are applying for a loan. You can simply register using your phone number on the official website of the institution.


## How can I apply for a credit card loan online?




Yes, you can take loans to pay outstanding credit card bills. It is a smart alternative to breaking your hard-earned savings.


## Can I take a loan to pay outstanding credit card bills?




Our partners nor we currently accept gold coins or bricks. Gold jewellery of 18 carats and above are accepted only.


## Are all kinds of gold accepted for a Rupeek gold loan?




Rupeek’s verification process starts as soon as you apply for a gold loan online. Once the formalities are done, the amount is credited to the account – which takes around 45-60 minutes cumulatively.


## How long does it take for gold loan amount disbursal?



Allow Rupeek’s representatives to contact me for my loan application