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Online Loan in Jaipur
online-loan-in-Jaipur

Online loans in Jaipur

Known as the ‘Pink City’, the capital of Rajasthan is a famous tourist destination, not only in India but all over the world. In 2019, UNESCO included Jaipur in its World Heritage Site list, and it forms the famous golden triangle with Agra and Delhi.

Tourism and related businesses drive the economy of this city, and they have flourished over the years. Besides, gem cutting, jewellery manufacturing, textile are some of the prominent sectors of Jaipur.

The economic development of Jaipur has resulted in a steep rise in its living costs. Individuals in Jaipur looking to meet big-ticket or unbudgeted expenditures can opt for an online loan. It allows individuals to address a range of expenses without queuing up in banks.

Online Loan – A Solution To Financial Distress

Here are some common usages of an online loan in Jaipur –

  1. Online business loan Jaipur help entrepreneurs to meet a series of business expenses. They can use it to fund working capital, buy machinery etc.
  2. One can use these loans for emergency purposes, like meeting medical costs.
  3. The rate of interest on secured online cash loans is comparatively low, so debt consolidation becomes more affordable.
  4. Apart from that, an online loan can fund house renovation costs as well. Borrowers can use it to manage repairing costs, buying home decor items, and several other expenses.
  5. Also, immediate cash loan in Jaipur can help individuals to make any big-ticket purchases, like buying consumer durables, easily.

Instant online loans in Jaipur have two categories, secured and unsecured. The former require collateral to avail while the latter does not. Even though an unsecured one may not require any collateral, it has strict eligibility norms associated with it. Here is a side-by-side comparison for a better idea –

Point of Difference

Secured Loan

Unsecured Loan

Collateral

Required

Not Required

Rate of Interest

Comparatively Low

Comparatively High

Eligibility Criteria

Ownership documents of collateral. No credit score required.

750+ credit score, minimum monthly income above Rs. 25000, etc.

Processing time

Depending on the collateral, it can take somewhere between 1 hour to a few days.

Approximately 1 – 2 days

Loan amount

Based on LTV and monthly income

Depends on the borrower’s eligibility

Individuals who cannot comply with such strict eligibility criteria of unsecured online loan can alternatively opt for a secured online loan. Among the difference sub-types of secured loans, borrowers can choose gold loans, for better terms and customer-friendly benefits.

Features Of Gold Loans

Here are some prominent features of gold loans in Jaipur –

  1. Restriction-free usage
  2. Fastest approval
  3. Lenient eligibility and documentation
  4. Comparatively low rate of interest
  5. Repayment flexibility

These features make gold loans a preferable option among the other sub-types of an online loan. Besides these, Rupeek also offers several additional features like doorstep services, highest LTV, and many others.

Facilities Offered By Rupeek

One of the well-known gold loan providers on India, Rupeek focuses on maximising customer experience with a host of features. Here is a list –

  1. Affordable Repayment

The loan interest rates charged by us starts from as low as 0.79% per month. It makes interest repayments more reasonable.

  1. Repayment Flexibility

To make the interest payments more convenient, we have introduced several plans. Borrowers can pay regular EMIs or any amount any time within the tenure to settle the due.

  1. High Per-Gram Rate

We offer one of the highest per-gram rates in this segment that allow our customers to avail more funds against their pledged gold. You can use the gold loan calculator to check the amount you can avail.

  1. Quick Loan Processing

Borrowers can avail an instant cash loan in 1 hour in Jaipur of up to Rs. 1.5 crores with Rupeek. We only require KYC documents and address proof to process the loan.

  1. Gold Overdraft Facility

We, at Rupeek, offer a gold overdraft facility that aims to offer instant access to funds. Known as Rupeek Quick, it allows our existing customers to pledge more gold and gain access to a credit line.

One can avail funds as per their will from the credit line and are liable to pay interest only on the amount they withdraw.

  1. Easy Loan Transfer Policy

We also offer a convenient loan transfer facility that allows you to save up to Rs.12,377 per lakh on repayments. Moreover, the process is straightforward. Share the current pledge card with our representatives, and they will help you through this process.

  1. Doorstep Loan

Get an instant online gold loan at your doorstep. Once you place a request at our online portal, our representatives will reach your doorstep within 30 minutes for loan processing.

This is possible owing to our presence in all the prominent areas of Jaipur.

Areas Of Jaipur Where Rupeek Provides Services

  • Ashok Nagar
  • Amer
  • Bhankrota
  • Bani Park
  • Mansarovar
  • Jagatpura
  • Jhotwara
  • Shastri Nagar
  • Gandhi Nagar
  • Malviya Nagar
  • Durgapura
  • Shobha Nagar
  • Vaishali Nagar
  • Vidhyadhar Nagar
  • Talvandi

An online loan presents a great alternative to liquidating savings for meeting any financial need that one may have. Moreover, borrowers who opt for a gold loan get to enjoy better loan terms, and with Rupeek they can further maximise their borrowing experience.

Instead of searching for ‘MSME loan provider near me’, get in touch with Rupeek for a fast, fair and flexible solution.

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Benefits of Gold Loan over online loans.
  • <1 lakh
  • 2 lakh
  • 3 lakh
  • 5 lakh
  • 10 lakh
  • 20 lakh
Comparision Parameters Other online loans Online Gold loan
Interest Rate 2.39% 0.79%
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. How to take an online gold loan in Jaipur from Rupeek?

Visit Rupeek’s website to apply online. Our company representative will get in touch with you for further processing. After successful completion of that, our loan manager will visit your address and authenticate the KYC documents and evaluate the gold ornaments. You will receive funds instantly after that.

  1. What is a personal loan?

A personal loan is a financial product that can aid you to manage any financial requirements, be it planned or unplanned. Typically, personal loans are unsecured; thus, they have stringent eligibility criteria and high interest rates. Alternatively, you can avail a gold loan to enjoy similar benefits against more favourable loan terms.

  1. What is the LTV ratio?

LTV or Loan-To-Value ratio represents the amount that one can avail against the collateral he/she provides. With the help of this ratio, lenders assess the risk of lending, and it changes from one financial product to another. With Rupeek’s gold loan, this ratio can go as high as 80%.

  1. Which gold items does Rupeek accept for an online loan?

Rupeek only accepts gold ornaments for online loans.

  1. Is there any part-release option available with Rupeek loans?

Yes, Rupeek offers a part-release option for online loans. However, the jewellery released must not weigh less than 10 grams.

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