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The capital of Haryana and Punjab, Chandigarh, is one of the wealthiest towns in India with prominent landmarks such as Sector 42 Stadium, Palace of Assembly, and Rock Garden of Chandigarh. The city is also growing as a significant economic hub with large-scale MNCs like Dell, Infosys, Tech Mahindra, and Airtel opening up numerous job opportunities.
These developments have led to a surge in the standard of living of Chandigarh. Thus, it often becomes difficult for people in Chandigarh to manage out-of-the-ordinary expenses like medical emergencies, home renovation costs, higher education expenses, etc. In that case, individuals can opt for a personal loan in Chandigarh to efficiently manage these.
With banks and NBFCs coming up with an ever-expanding range of financial products to cater to a variety of requirements, more millennials are inclining towards availing external funds instead of liquidating their savings.
Among these, a personal loan is one that is gaining increasing popularity due to some key features discussed below.
Borrowers need to meet the following eligibility criteria before applying for an online personal loan in Chandigarh.
Sl. No. |
Particulars |
Requirements |
1. |
Age |
Should be more than 21 years |
2. |
Type of Employment |
Self-employed and salaried |
3. |
CIBIL score |
750 and above |
4. |
Work Experience |
1 year+ |
5. |
Monthly Income |
According to the lending party’s criteria |
Additionally, the following documents are mandatory for applicants to avail this financial product.
Since a personal loan does not involve any collateral in most cases, applicants, especially people new to credit, might find it challenging to avail one. That’s because most reputed lenders look for a substantial credit history to ensure minimal risk of default. Moreover, lenders that do approve a personal loan against easier eligibility criteria often levy considerably high interest rates.
Borrowers looking for simpler terms when searching for “personal loan providers near me”, thus, can consider a gold loan. This instant personal loan facility offers benefits similar to an unsecured personal financing option but is easier on the fronts of eligibility criteria, documentation, and interest rate.
Moreover, with us, individuals can enjoy several additional benefits, making for a more convenient borrowing experience.
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Our industry-first features like more flexible repayment options and doorstep service have allowed us to deliver maximum convenience to borrowers.
Here are a few benefits that borrowers can enjoy with us:
Our gold loan facility does not come with rigid eligibility conditions. Individuals with low credit score can also apply for funds by only submitting their KYC documents and utility bills or rent agreement.
Stress no more about hefty EMIs. With Rupeek gold loan, you have the choice to repay any amount at any time during the tenure or make a single bullet payment. Borrowers can avail additional rebates with early repayments.
Individuals can avail credit from Rupeek Fintech at interest rates as low as 0.79%, coupled with high LTV. You can get an idea of the loan amount you are eligible for by using our online gold loan calculator.
Individuals in Chandigarh looking to reduce their interest burden can consider our loan transfer facility. Owing to our low interest rates, one can save up to Rs.12377/lakh.
Get a gold loan approved from the comfort of your home with our 30-minutes doorstep service. Complete KYC verification and gold appraisal with our loan manager and avail instant loan disbursal thereafter.
Our city-wide presence in Chandigarh makes our gold loan facilities further accessible, allowing for quick service throughout.
Rupeek extends its gold loan services to the following localities of Chandigarh.
Rupeek aims to make funds available to individuals with varying financial backgrounds with an easy personal loan in Chandigarh. Visit us at Rupeek to avail our gold loan benefits today!
Loan Amount
Tenure
Interest Rate
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Gold Weight
Gold Purity
Tenure
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No, you can only pledge gold jewellery items to avail a personal loan. Currently, our lending partners do not accept any other gold items, like bars and coins.
In case you want to re-pledge your gold items to extend an existing loan, kindly contact our customer helpdesk for efficient assistance with the process.
There are no requirements for credit score or financial history check of any kind to avail a gold loan from us.
Your request has been received, our customer relationship manager has been notified and will call you shortly