At just 26kms from New Delhi, Noida is one of the greenest and cleanest cities in India. Noida is home to some of the most prominent Indian news channels and media houses. Instant loan in Noida is quite popular. It also has NCR's largest amusement park where people from all walks of life visit, especially during the weekends. The Buddh International Circuit, the address for high-speed racing, frequently hosts Formula 1 races. Noida also boasts of a botanical garden that houses various medicinal and primitive plants. The Okhla Bird Sanctuary is another place that gives shelter to more than 300 different species of birds. The Brahmaputra Market in Sector 29 is a one-stop destination for shopping and excellent street food. From delicious gol gappas, momos, and kebabs to groceries, garments, and utensils, the Brahmaputra Market has everything.

Today’s max loan value/gm (<time>) 

We offer the highest per gram rate on our gold loans.



Thanks to the flexibility and the simplicity associated with an instant loan, it is the most popular and demanded source of funds in India. An instant loan offers many exclusive features that makes it a favorite among the borrowers in Noida. Listed below are some of the most attractive features of an instant loan:

Flexibility - The funds that are obtained through an instant loan can be put to any use, as long as it is not for speculative or illegal purposes.

Loan approval - Usually within an hour from the [loan application](https://rupeek.com/?utm_source_campaign=SB), the loan amount will get disbursed into your account, just as the name suggests.

Loan application - An instant loan can be placed online as well as offline. The borrower can use the app, the website, or can also call the customer service desk to make a request for the loan. The procedure, from the loan application to the transfer of the amount remains smooth, transparent, and quick.

Minimal paperwork - One of the reasons why instant loans are so popular is that they hardly require any paperwork at all. Not more than five [documents](https://rupeek.com/blog/a-handy-guide-to-the-documents-required-for-gold-loans/?utm_source=SB) are to be uploaded under any circumstance.


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## Features of an instant loan

The flexibility related to instant loan guarantees that it can be put to any use. People in Noida procure instant loans for a variety of reasons - whether the expenses are planned or unplanned. The funds procured through an instant loan can be used to pay off unprecedented medical bills. It can also be used to finance a tour or a vacation, or to meet other unexpected emergencies. Whether it is for a house renovation that you need funds for, or it is to start a small business or just about anything, [instant cash loans](https://rupeek.com/?utm_source_campaign=SB) do not stand in your way. You can also use them to pay off your credit card debts, to sponsor an event, or to conduct a grand marriage function. The flexibility offered by an instant cash loan makes sure that you can use your funds for whatever need, as long as it is not for speculative or illegal activities. In some cases, it is also possible to apply for tax rebates when you use an instant loan.

## Reasons to take an instant loan

Foreseeing the possibility of this happening, most lenders offer features that dispatch automated reminder messages as the due date of the [instant loan's](https://rupeek.com/blog/instant-online-gold-loan-at-your-doorstep/?utm_source=SB) EMI payment nears. Despite that, borrowers at times tend to miss out on EMI payments every now and then. For whatever reason, if the EMI payment is skipped, the lender will charge the borrower a penalty that needs to be paid along with the next payment. This will consequently inflate the amount due in the following month. If these defaults keep occurring, not only will this adversely affect the borrower's credit rating, it will also make further loan applications difficult. As a borrower it is very important to be accountable for your timely EMI payments and make provisions for the same even before applying for instant loans online as in extreme cases, lenders even hire third party loan recovery agents who might force the borrower to make the payment.

## What happens if I miss a payment while paying off my instant loan?

Generally, when you apply for an [instant cash loan](https://rupeek.com/blog/instant-online-gold-loan-at-your-doorstep/?utm_source=SB), the lender automatically assumes that you have carefully evaluated your needs and your loan [repayment](https://rupeek.com/blog/things-to-know-about-your-gold-loan-repayment/?utm_source=SB) capability before you apply for a loan. However, they are also considerate of offering you the facility to alter your loan request. The first thing you may alter after placing the loan request is the [loan amount](https://rupeek.com/calculator?utm_source=SB). The second thing you may alter is the loan term. And the third thing you may change is the type of the loan. However, all of these changes need to be done before the loan approval. Generally, no loan alteration request, other than loan term, is entertained post the instant loan approval.

## Can an instant loan request be altered?


When you want to apply for a loan in India, many lenders insist you have a credit score of 700 and beyond. A high credit score shows the creditworthiness of the borrower. A borrower with a high credit score can negotiate the rates in their favour. However, [Rupeek's](https://rupeek.com/?utm_source=SB) gold loan is unique in that sense since it does not require you to have a high credit score or high income. Your gold will be the collateral for your instant loan. As per the regulations of the RBI, you can avail up to 75% of the gold's value as a the [loan amount](https://rupeek.com/calculator?utm_source=SB). Since you will be pledging your gold to get the loan, this security is what prompts Rupeek to offer gold loans to its borrowers without a high credit score or salary slips.

## Do I need a high credit score to apply for a gold loan with Rupeek?

For all kinds of [emergency funds](https://rupeek.com/blog/instant-online-gold-loan-at-your-doorstep/?utm_source=SB), an instant cash loan is the best option as it provides urgent loans. Even in the case of home renovations or repairs which can include plumbing works, electrical work or just about anything, as long as it is not illegal. You can use the obtained funds for your requirements - even if that is getting a new air conditioner or a television or any other gadget. The loan application process is very simple, which can be completed either by visiting the web portal of the lender or by downloading their app. The instant-loan approval, which requires the submission of a few documents doesn’t usually take more than an hour. The required [documents](https://rupeek.com/blog/a-handy-guide-to-the-documents-required-for-gold-loans/?utm_source=SB) include your Aadhar Card, PAN Card, etc, among a few others. The loan interest rate is determined by your credit score as well as your income. You can also opt for an instant cash loan against a collateral.

## Can I take an instant loan for home renovation?


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