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5 Reasons To Apply For An Online Personal Loan This Festive Season

The festive season is just around the corner, and many of you must deem it an auspicious occasion to invest in new ventures and make fresh beginnings. And why not! With the severity of the COVID-19 pandemic gradually declining, lenders and retailers are back in the game, offering attractive deals and festive discounts. For many, the holiday months call for grand affairs like a wedding or traveling or even a home renovation. 

Dishing out for all these occasions can be a little too heavy on your savings, giving you all the more reason to avail of a personal loan. But how do you do it? And should you apply for a personal loan in India? Well, this article brings you the answers for just that! Read on to find out more.

Reasons to apply for a personal loan during the festive months

1. No Collateral Worries

The arrival of festivals such as Bhai Dooj, Dhanteras, Diwali, Karwachauth, etc., naturally leads to a rise in the need for gold investments, home appliances, festive apparel, and, of course, gifts for loved ones. You might consider getting a personal loan to spend on this as it doesn’t pledge a guarantee. Besides, people from any income group can apply for this loan and strengthen the finance of their festive purchases. You can splurge on the things you love without any stress.

2. Easy To Apply

The festive months are about switching from one task to the other. With shopping, cleaning, and minding traditions, you might not have the time around for loan requirements. But there’s no such hassle when it comes to applying for a personal loan. You can very well relax at home and apply for your loan online. You can even submit all the required documents online. Once the loan gets approved, the amount is directly credited to your bank account. So you see? Zero hassle!

3. Flexible

With personal loans, you don’t have to worry about a strict deadline for repayment. The time allotted to repay a personal loan usually falls between 12 – 60 months. But you can adjust your timeline based on your repaying capability. But it is always good to stay informed. Before you apply for any loan, read the loan terms & conditions carefully while also keeping an eye on the website to be aware of the extra charges.

4. Low Interest Rates

One of the best advantages of getting a personal loan in India is that the interests rates are relatively lower. It ideally starts from 10.25%! That’s quite a relief. However, the interest rates might vary depending on where you are seeking the loan from. Besides, they are determined by your age, income, and credit score.

5. High Loan Amounts

Although the loan amount can vary, the average amount ranges from 15 to 40 lakhs. This allows you to manage all your festive expenses and even get any project done without worrying about an instant repayment. Your budget is still over the line, and yet it’s safe to spend. Isn’t that quite the surprise?

Points to consider while applying for a personal loan

To ensure that your loan requirements get approved quickly, here are a few tips and rules that you need to keep in mind.

1, Check Loan Eligibility

Before applying for a personal loan, you must check your eligibility. Your credit score, age, and income play a crucial role here. The criteria for salaried and self-employed individuals vary; while a salaried person must be between 21 to 60 years of age, an entrepreneur must be between 22 to 65 years of age. Self-employed applicants must show proof of at least a year of work experience, whereas it comes down to 6 months in the case of salaried people.

2. Ready Your Documents

While applying for a personal loan, your documents must always be handy. They are mostly the same for both salaried and self-employed individuals: proof of identity, PAN card, proof of residence, and proof of employment/income.

3. Do Not Overthrow

While amazing festive offers might lure you into hiking up your loan amount, please don’t fall prey to them. It’s wiser to stick to your required budget as a higher amount might land you in a debt trap, and you wouldn’t want that to happen.

4. Compare Lenders

To get the best deal, it’s always better to compare various lenders and check which offer suits your need the best. More importantly, it is important to never apply with multiple lenders at the same time. The record of such an act might go into your credit report, which is accessible to all your loan granters. You might end up getting rejected by everyone.

Final thoughts

While taking personal loans during the holiday months is a lucrative option to manage your extra expenses seamlessly, you need to consider your options carefully. It’s a great time to apply for loans, but it is equally important that you ensure you borrow only enough money to repay within the stipulated time. Borrow smart and sail through the festive season!

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