Doorstep Loan in Gurgaon

Doorstep Loan in Gurgaon

Gurgaon, currently known as Gurugram, is a prominent hub of IT companies and financial institutions. Located 30 kilometres away from New Delhi, this city has become an economic powerhouse in the past couple of decades. Gurgaon is counted as one of the wealthiest cities on this planet.

Home to several fortune 500 companies like Pepsi, BMW, Coca Cola, General Electric, etc. it attracts workforce from all around the country. Along with these, numerous start-ups are emerging in this city.

Managing day-to-day life in Gurgaon is not easy, given the steep living costs. It leads individuals to resort to their savings for a way-out during financial shortfalls. Alternatively, they can opt for a quick financing option like a doorstep loan in Gurgaon to manage such situations.

Doorstep Loan In Gurgaon – An Efficient Financing Solution

Private loan companies operating in this city extend short-term financing solutions that can help individuals meet various requirements, be it personal or professional.

The doorstep services extended by private loan providers help borrowers fulfil their monetary needs without stepping outside of their house or office. It reduces the headache for professionals to manage the necessary time to complete the loan formalities.

Following application, lenders will send their representatives to collect documents or complete the KYC verification process. They may also initiate the loan disbursal process, from the doorstep of a borrower.

Nevertheless, before applying for a doorstep loan in Gurgaon, one must learn more about its types and how they can benefit.

Know The Sub-Types Of A Doorstep Loan

doorstep loan in Gurugram has two sub-types, unsecured and secured loans. Following is a detailed discussion –

  • Unsecured Doorstep Loans

Unsecured loan stands for financing method that does not include submission of any collateral. Borrowers can apply for a loan without pledging a guarantee and receive approval based on their ability to meet the eligibility norms set by a particular lender.

Examples of such financing scheme include personal loans, business loans, credit card loans, etc.

Furthermore, a private financer for personal loan will have specific eligibility criteria that include meeting the required credit score and monthly income standard, maintaining a healthy credit history, etc. The drawbacks of an unsecured mod of credit are its high interest rates and strict eligibility criteria.

  • Secured Doorstep Loans

A secured loan is the opposite of unsecured ones; here, one needs to pledge collateral to avail funds. Private finance lenders present comparatively more straightforward eligibility norms and charge lower interest rates for this financing method.

Some prominent examples of secured doorstep loans in Gurgaon include home loans, loan against property, gold loans, etc.

Irrespective of the apparent benefits of a secured loan, the lengthy documentation process often becomes a hurdle. However, an exception here is gold loans. It presents similar services, but with a short documentation process, which reduces the loan disbursal time and helps individuals meet any financial emergency.

Gold Loans – A Perfect Doorstep Loan Option

Backed by the equity of gold items, this financing option allows individuals to avail funds without much hassle. The features of a gold loan include –

  • High loan value
  • Affordable interest rates
  • No end-use restrictions
  • Repayment flexibility
  • Lenient eligibility criteria
  • Easy documentation
  • Quick processing and disbursal

These features make any advance against gold, a multi-faceted financial product. Hence, it can meet an array of monetary requirements. Here are some examples –

  • This financial product’s high loan value helps individuals invest in their business, fund home renovation, and meet other considerable expenses.
  • With gold loan’s competitive interest rates, individuals can easily consolidate their debts and save on repayments.
  • The quick disbursal nature of this financing method helps to meet any financial emergency.

These are some common examples, but the list can go on. Nevertheless, borrowers need to select a reliable lender in GGN Gurugram, Haryana to make the most of these benefits, and Rupeek is a trusted name to consider in this regard.

Rupeek – Your Ideal Gold Loan Provider

With the vast service network paired with customer-friendly features, Rupeek presents a seamless borrowing experience for every consumer. Here are some highlights –

  1. Gold Overdraft Facility

With our gold overdraft facility, existing borrowers can pledge additional gold and get a credit limit sanctioned against its market value. Following that, individuals can withdraw funds as per their will. Popularly known as Rupeek Quick, a notable advantage of this facility is one has to pay interest only on the amount used. Also, they can bypass the hassle of documentation.

  1. Balance Transfer Facility

In case a borrower is planning to shift from his/her existing lender, Rupeek presents a convenient loan transfer facility. Upon sharing the current pledge card, our company executives will guide individuals through the remaining process. Additionally, with a loan balance transfer to Rupeek, customers can save up to Rs. 12,377 per lakh.

  1. Repayment Flexibility

With Rupeek’s flexible repayment schemes, customers can quickly pay off their debt without any hiccups. They have the liberty to choose a traditional monthly instalment scheme, or they can choose to go with the ‘pay as per your convenience’ options.

Under the latter, they have the freedom to pay any amount at any point of the loan tenure. They can also choose a one-time bullet payment scheme to repay at a lump sum after the term ends.

  1. Better Security For Gold Articles

Keeping in mind the monetary and sentimental value of gold articles, we have implemented various security measures to ensure its safety. It includes the following standards –

  1. Using GPS-enabled bags to transport gold items
  2. Using high-security vaults to store them
  3. Providing complementary insurance coverage during the loan tenure

Paired with these features, Rupeek’s strong presence in Gurgaon allows us to promptly meet any loan requirements. Following a loan application, we will reach a customer’s doorstep within 30 minutes and complete the entire process within an hour.

Areas Of Gurgaon Where Rupeek Extend Doorstep Services

  • Badshahpur
  • Manesar
  • Garhi Harsaru
  • Gurgaon Sector 17
  • Gurgaon Sector 33
  • Gurgaon Sector 45
  • Gurgaon Sector 56
  • Pataudi
  • Palam Vihar
  • Sohna
  • Sultanpur
  • Wazirabad

A doorstep loan in Gurgaon presents an excellent financing option to meet any planned or unplanned monetary requirements. Moreover, with a lender like Rupeek, one can now fulfil his/her needs with an instant online gold loan at the doorstep.

So, instead of searching for a ‘doorstep loan lender near me’, contact Rupeek for a prompt solution.

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Benefits of Gold Loan over Doorstep Loan.
  • <1 lakh
  • 2 lakh
  • 3 lakh
  • 5 lakh
  • 10 lakh
  • 20 lakh
Comparision Parameters Doorstep Loan Gold Loan
Interest Rate 2.39% 0.49%
Monthly Interest Amount
Eligibility & Documentation More Documents Needed Only KYC Needed
Processing Time & Disbursement 2 days to 1 week Within a day
Required Gold Weight -
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Frequently asked questions

  1. Can I use a doorstep loan in Gurgaon for educational purposes?

    • Yes, you can use a doorstep loan for educational purposes. Private student loans like these come without any restrictions on their usage. Hence, one can meet expenses apart from the tuition fees.

  1. Do I need a high credit score for instant personal loans?

  • Yes, to avail an instant personal loan from private finances companies, you need to maintain a high credit score, preferably above 750 and respectable credit history.

  1. How to make a part prepayment with Rupeek’s doorstep loan in Gurgaon?

  • You can partially prepay your Rupeek gold loan via our official payment portal. However, the amount paid here should range between the monthly interest amount and foreclosure sum.

  1. Can I foreclose my loan from Rupeek? What is the process?

  • Yes, you can foreclose your Rupeek gold loan, and it does not require paying any additional charges. Once you log in to the online payment portal, you will find a ‘close loan’ option. Clicking in that will display the entire account summary, and you can make necessary payments.

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