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Jodhpur
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Instant loan in osian

Osian is the hidden gem of Jodhpur located just 65km north of the main highway leading to Bikaner. Nestled among the Thar desert this oasis is often overlooked despite being home to 16 beautifully sculpted Brahamanical and Jain temples, most of which have managed withstand the cruelties of time the Sun Temple and the Sachiya Mata Temple stand to this day as epitomes of grace and architecture. Osian is rich in hertitage, history and architecture yet it doesn't get the tourist attraction it deserves. The local traders can easily apply for instant loan in Oisan in order to cater to their financial needs until the worth is this beautiful place is realized.

Reasons to take an instant loan

The flexibility related to instant loan guarantees that it can be put to any use. People in Jodhpur 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 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.

Features of an instant loan

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 Jodhpur. 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, 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 are to be uploaded under any circumstance.

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Frequently asked questions

What is the process of instant loan application online?

An instant loan is an entirely flexible financial instrument which allows you to get funds whenever you need it the most. Generally, the funds get credited to your account within 60 minutes from the time of loan application. To avail an instant cash loan online, you have to download the lender's app and create an account by entering your preferred user ID and password. The next step is to select an appropriate loan category, select the loan amount and term and place the loan request. Usually, a lender approved loan officer would verify your documents and collateral security (in case of a secured loan) and approve the loan. Once approved, you would get the amount in your account within five minutes.

Can I change my tenure once I have applied for an instant loan?

When you apply for an instant loan online by entering the loan amount and loan term, the lender evaluates your credit profile and approves or rejects the loan. Generally, you may apply for two types of loans - secured and unsecured. A secured loan is one in which you need to deposit an asset as collateral security. When you apply for a secured loan, lenders usually allow the facility to change the tenure before or after the loan approval. In case of an unsecured loan, however, the lender might or might not allow the facility to change the term after the loan gets approved. Hence, although the lender allows you the facility to change the loan tenure, it is better if you decide the tenure in advance, which can avoid you from the hassles of restructuring your loan repayments.

Is there a prepayment penalty for instant loan repayment?

Repaying loan EMIs should always be on your high-priority list if you are a borrower. And sometimes, you might think about using the extra funds in your hand to preclose the loan. Preclosure can be of three types - bullet payment, partial prepayment, and full prepayment. Bullet payment is when you pay the interest and principal as a lump sum at the end of the tenure. If you choose the bullet payment option, the lender will not charge any prepayment penalty. Partial prepayment is when you pay a little more than your EMI. The charges depend on the lender and ranges between 0% and 2%. If you decide to close the loan before the end of its term, you may choose the full prepayment option. Generally, the lender charges between 0% and 3% for full prepayment of an instant loan.

Can I get an instant loan if I'm a student?

As a student, your scope for a healthy credit score or a good debt-income ratio might be limited owing to which you might not be eligible to apply for several loan schemes. That's where instant cash loans for education swoop into your rescue! The highlight of availing an instant loan as a student is that the loan amount can be spent at the discretion of the borrower. You can either spend it on tuition, daily expenses, or academic material. Lenders prudently reduce the loan amount and charge a higher loan interest rate in certain cases where the borrower is unable to submit a stable proof of income. This is advisable and protects the interests of both parties involved. If you would prefer a higher loan amount, you can apply as a co-applicant and submit evidence of a steady income. Alternately, if you simply apply for a collateral-based loan, you can avail gold loans with interest rates are as low as 0.89% per month.

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