Top Loan on Credit Card Providers in Noida - Instant Loans

Top List of Loan on Credit Card in Noida. Get an instant Credit Card loan with low interest rate, Also loan against credit card, credit cards & loans, and more. Find Loan on Credit Card service providers near your location. as on Jan 14, 2025

Muthoot FinCorp Gold Loan

Amarnagar, Sector 34, Faridabad, 121003

( Also serves in Noida )

Loans Construction Loans Loan on Credit Card

Distance: 13.58 KmsWorking hours: 10:00 AM to 5:30 PM

Enquire Now

Mahindra Finance in Himmatpuri

Sikka Plaza-2, New Delhi, 110091

( Also serves in Noida )

Unverified

Loans Construction Loans Loan on Credit Card

Distance: 2.38 KmsWorking hours: 9:30 AM to 6:30 PM

Mahindra Finance is one of India's leading Non-banking Financial Companies, offering a comprehensive range of Financial Solutions under one roof. With over 9 million customers and an AUM of over Rs. 81,000 crores, our product portfolio includes Vehicle Finance, Tractor loans, Car loans, Commercial Vehicle Loans, SME Finance, Housing Finance, insurance Broking, Mutual Fund Distribution, Fixed Deposits, Personal Loans, etc. tailor-made to customers’ needs with easy processing structure and minimum documentations. We have offices across 3,80,000 villages and towns in the country. Search online for "loans agency" or "loans near me” to reach out to our nearest branch.

Claim the business

Mahindra Finance in A.G.C.R

Asaf Ali Road, Daryagang, 110002

( Also serves in Noida )

Unverified

+08069864833

Loans Construction Loans Loan on Credit Card

Distance: 10.37 KmsWorking hours: 10:00 AM to 6:00 PM

Mahindra Finance is one of India's leading Non-banking Financial Companies, offering a comprehensive range of Financial Solutions under one roof. With over 10 million customers and an AUM of over Rs. 1,02,597 crores, our product portfolio includes Vehicle Finance, Tractor loans, Car loans, Commercial Vehicle Loans, SME Finance, Housing Finance, insurance Broking, Mutual Fund Distribution, Fixed Deposits, Personal Loans, etc. tailor-made to customers’ needs with easy processing structure and minimum documentations. We have offices across 3,80,000 villages and towns in the country. Search online for "loans agency" or "loans near me” to reach out to our nearest branch.

Claim the business

Mahindra Finance in Barakhamba Road

Barakhamba, Delhi, 110001

( Also serves in Noida )

Unverified

+08069864902

Loans Construction Loans Loan on Credit Card

Distance: 10.51 KmsWorking hours: 10:00 AM to 6:00 PM

Claim the business

City Union Bank Delhi Chandini Chowk

Opp. Gurudwara Sisganj Sahib, New Delhi, 110006

( Also serves in Noida )

Unverified

Loans Construction Loans Loan on Credit Card

Distance: 11.4 KmsWorking hours: 9:30 AM to 3:30 PM

City Union Bank (CUB) is an Indian private-sector bank headquartered in Kumbakonam, Tamil Nadu. The bank was initially named Kumbakonam Bank Limited and was incorporated on 31 October 1904. We offer a suite of personal banking services like Savings Accounts, Current Accounts, Deposits, Agricultural Loans, Jewel loans, Term loans, payments, transaction banking services, etc. CUB offers customized working capital for MSMEs, to always keep customers ahead of business needs. We are also a part of government initiatives like Digital Banking Units, the Dalit Bandhu Scheme, etc. Agricultural loans for buying cattle, equipment, etc. Now, Customers can avail of Term Deposits and Gold Loans at attractive interest rates across our branches.

Claim the business

Mahindra Finance in Baroda House

Beside Chanakya Hotel, Delhi AMC, 110001

( Also serves in Noida )

Unverified

+08069865193

Loans Construction Loans Loan on Credit Card

Distance: 12.18 KmsWorking hours: 10:00 AM to 06:00 PM

Claim the business

Mahindra Finance in Pitampura

Pitampura, Delhi, 110034

( Also serves in Noida )

Unverified

Loans Construction Loans Loan on Credit Card

Distance: 21.86 KmsWorking hours: 10:00 AM to 6:00 PM

Claim the business

Mahindra Finance in Faridabad C.B.S

New Industrial Township, Faridabad, 121002

( Also serves in Noida )

Unverified

+08069864919

Loans Construction Loans Loan on Credit Card

Distance: 22.92 KmsWorking hours: 9:30 AM to 6:30 PM

Claim the business

City Union Bank Gurugram

Near Sohna Chwok Behind Harish Bakery, Gurgaon, 122001

( Also serves in Noida )

Unverified

Loans Construction Loans Loan on Credit Card

Distance: 31.99 KmsWorking hours: 9:30 AM to 3:30 PM

Claim the business

Mahindra Finance in Grain Market Palwal

Agra Chowk", Faridabad, 121102

( Also serves in Noida )

Unverified

Loans Construction Loans Loan on Credit Card

Distance: 50.29 KmsWorking hours: 9:30 AM to 6:30 PM

Claim the business

Why Choose Sulekha?

Sulekha is your go-to platform for finding a wide variety of loan providers catering to diverse financial needs such as personal loans, term loans, home loans, vehicle loans, car loans, education loans, and more. With Sulekha, you gain access to a comprehensive network of reputable lenders, ensuring you find the perfect match for your specific requirements. The platform simplifies your search process, saving you time and effort by connecting you with trusted professionals who can offer tailored loan solutions. Choose Sulekha for a seamless and efficient loan-seeking experience.

1. When to Consider Taking Out a Loan on Credit Card?

Emergency Situations: In cases of urgent, unexpected expenses like medical bills or car repairs, a credit card loan can provide immediate relief. It can also help with short-term cash flow issues when you need to cover essential expenses quickly and have a plan to repay the loan promptly.
Debt Consolidation: If you have multiple high-interest debts, such as payday or personal loans, consolidating them onto a credit card with a lower interest rate or a 0% introductory APR on balance transfers can save money on interest and simplify payments.
Promotional Offers: Taking advantage of credit card offers with a 0% introductory APR on purchases or balance transfers can be beneficial. These offers allow you to borrow money without interest for a specified period, typically between 6 to 18 months, giving you time to pay off the debt without incurring additional costs.
Rewards and Benefits: Making large purchases on a credit card and paying off the balance in full before interest accrues can help you earn rewards points, cashback, or travel miles. This strategy works well if you can manage the repayment within the billing cycle.
Building Credit: Using a credit card loan responsibly can help build or improve your credit score. Timely payments and maintaining a low balance relative to your credit limit can positively impact your credit profile, demonstrating financial responsibility to lenders.

2. Eligibility Criteria for Taking a Loan on Credit Card?

Credit Score: A good credit score, typically between 650-700 or higher, is crucial for eligibility. Lenders use this score to gauge your creditworthiness and ability to repay the loan.
Income: Proof of a stable income is necessary, often verified through salary slips, bank statements, or tax returns. A consistent income source assures lenders of your repayment capability.
Employment Status: Stable employment history is preferred, whether you’re employed with a reputable organization or have a steady business track record. This stability indicates a reliable repayment source.
Existing Relationship with the Bank: Having a pre-existing relationship with the bank can improve your chances. Long-term account holders or those with multiple products might receive favorable loan terms.
Repayment History: A clean repayment history on your credit card and other loans is essential. Lenders will check for any defaults, late payments, or high credit utilization ratios in your credit report.
Credit Limit: Your existing credit limit influences the loan amount you can avail. Typically, the loan will be within the limit set on your credit card, ensuring manageable borrowing.
Debt-to-Income Ratio: A lower debt-to-income ratio indicates manageable debt obligations relative to your income. This ratio reassures lenders of your ability to handle additional debt.
Age: Lenders usually set age criteria between 21 to 60 years, ensuring borrowers are within a working age range and capable of repaying the loan.
Residential Stability: Proof of stable residence, such as homeownership or long-term rental agreements, can be advantageous. Stability in residence reflects financial and personal stability.
Bank’s Internal Criteria: Each bank might have its own specific set of criteria based on their risk assessment policies. These internal policies further define the borrower’s eligibility.

3. What are the Benefits and Advantages of a Loan on Credit Card?

Quick and Easy Access to Funds: LOCCs provide a quick way to access funds without the lengthy approval processes associated with traditional loans. The application and disbursement processes are typically fast, often taking just a few hours to a couple of days.
No Collateral Required: Unlike secured loans, a LOCC does not require any collateral. This is advantageous for individuals who do not have assets to pledge or do not want to risk losing their assets.
Flexible Repayment Options: Credit card loans often come with flexible repayment options, allowing borrowers to choose repayment tenures that best suit their financial situation. This can range from a few months to a couple of years.
Lower Interest Rates Compared to Regular Credit Card Debt: Although the interest rates on LOCCs are generally higher than traditional personal loans, they are often lower than the standard interest rates on unpaid credit card balances. This makes it a more affordable option for consolidating high-interest credit card debt.
Preserved Credit Limit: When a loan is taken against a credit card, the credit limit is usually preserved, meaning that the cardholder can still use their credit card for other purchases as long as they stay within their credit limit.
Boost to Credit Score: Timely repayment of a LOCC can have a positive impact on the borrower’s credit score. This is because it demonstrates responsible credit behavior and adds to the borrower’s credit history.
No Additional Documentation: Since the loan is based on the existing credit card relationship, there is minimal additional documentation required. This makes the process hassle-free for the borrower.
Pre-approved Offers: Many credit card companies provide pre-approved loan offers to their customers based on their credit history and spending patterns. This means that eligible cardholders can access these funds with minimal formalities.
Convenience: Managing one financial product (a credit card with an attached loan) is often easier than managing multiple loans. The repayment can be automated with the monthly credit card bill, simplifying financial management.
Tax Benefits: In certain cases, interest paid on loans taken for specific purposes like home renovation may qualify for tax benefits under certain conditions, depending on the tax laws of the country.

4. Important Factors to Consider When Taking a Loan on Credit Card?

Interest Rate: Credit card loans typically come with higher interest rates compared to other types of loans. It's crucial to understand the annual percentage rate (APR) and how it will affect the total cost of the loan over time.
Fees and Charges: Check for any associated fees such as origination fees, late payment fees, and prepayment penalties. These additional costs can significantly impact the overall expense of the loan.
Loan Terms: Review the repayment terms, including the loan tenure and monthly payment amounts. Ensure that the repayment schedule fits within your budget without causing financial strain.
Credit Score Impact: Taking a loan on your credit card can affect your credit score. High utilization of credit can lower your score, making it harder to obtain credit in the future. Consider how this loan will impact your credit utilization ratio.
Repayment Ability: Assess your ability to repay the loan within the stipulated time frame. Failing to make timely payments can lead to increased debt due to high-interest rates and potential penalties.
Alternatives: Explore other borrowing options, such as personal loans, which may offer lower interest rates and more favorable terms. Compare these alternatives to determine the best option for your needs.
Purpose of the Loan: Ensure that the loan serves a critical purpose, such as covering emergency expenses or consolidating high-interest debt. Avoid using a credit card loan for discretionary spending, which can lead to unnecessary debt.
Promotional Offers: Some credit card issuers offer promotional rates, such as 0% interest for a limited period. While these offers can be attractive, be aware of the terms and what the interest rate will revert to after the promotional period ends.
Debt-to-Income Ratio: Consider your overall debt-to-income ratio before taking on additional debt. A high ratio can indicate financial stress and may affect your ability to secure future credit.
Financial Stability: Evaluate your current financial stability and future income prospects. Ensure that you have a stable income source to meet the loan repayments without compromising your financial well-being.

5. Loan on Credit Card Interest Rates?

Bank Name	Interest Rate (per month)	Interest Rate (per annum)	Other Fees
HDFC Bank	1.99% - 3.49%	23.88% - 41.88%	Processing fee: 2.5%, Min Rs. 500
ICICI Bank	1.67% - 3.83%	20.04% - 45.96%	Processing fee: 1.5% of loan amount
SBI Card	2.50% - 3.35%	30.00% - 40.20%	Processing fee: 2%, Min Rs. 499
Axis Bank	1.50% - 2.95%	18.00% - 35.40%	Processing fee: Up to 2% of loan amount
Citibank	1.16% - 3.50%	13.92% - 42.00%	Processing fee: 1.5% - 2.5% of loan amount
Kotak Mahindra Bank	1.49% - 2.89%	17.88% - 34.68%	Processing fee: 2.5%, Min Rs. 500
American Express	1.99% - 3.99%	23.88% - 47.88%	Processing fee: 3% of loan amount
Standard Chartered	1.10% - 2.49%	13.20% - 29.88%	Processing fee: 2% of loan amount

Please note: Interest rates and fees can vary based on the loan amount, tenure, credit profile of the borrower, and specific bank policies. It is advisable to check with the respective bank for the most accurate and updated information.

Was this article is helpful?

Most Common Questions About Loan on Credit Card

1. Who are the best Loan on Credit Card providers in Noida?

Mahindra Finance in Himmatpuri
Mahindra Finance in A.G.C.R
Mahindra Finance in Barakhamba Road
City Union Bank Delhi Chandini Chowk
Mahindra Finance in Baroda House

2. What documents are required for a Loan on Credit Card?

Typically, you'll need your identity proof (like Aadhaar or PAN card), address proof (like utility bills or passport), recent salary slips or income proof, and your credit card statement. Specific requirements may vary by bank.

3. What are the eligibility criteria for a Loan on Credit Card?

Eligibility generally includes being an existing credit card holder with a good repayment history, meeting the bank's minimum income criteria, and maintaining a satisfactory credit score. Banks may have additional criteria based on their policies.

4. How do I apply for a Loan on Credit Card online?

To apply online, you can apply online with the Sulekha form above with your loan requirements, and connect with the best loan providers that suit your needs. Also you can log into your bank's internet banking portal or mobile app, navigate to the loan section, select 'Loan on Credit Card,' fill out the necessary details, and submit the required documents. Approval and disbursal processes will follow.

5. How can I get an instant Loan on Credit Card?

Instant loans on credit cards can often be accessed through the bank's app or website, where pre-approved offers are displayed. Accept the offer, verify details, and the amount will be credited to your account almost immediately.

6. What is the percentage rate for Loan on Credit Card?

Interest rates on loans against credit cards vary by bank and your credit profile but typically range from 12% to 24% per annum. Always check with your bank for the specific rate applicable to your loan.

7. Can I get a Loan on Credit Card with a low CIBIL score?

Getting a loan with a low CIBIL score can be challenging, as banks prefer customers with good credit history. However, some banks may still offer loans at higher interest rates or with stricter terms.

8. What is the processing fee for a Loan on Credit Card?

Processing fees for loans on credit cards typically range from 1% to 3% of the loan amount, though it can vary depending on the bank's policy. Always review the terms and conditions for specific fee details.

9. Can I get a Loan on Credit Card with a bad credit score?

Obtaining a loan with a bad credit score is difficult as banks consider credit history crucial. Some banks may offer loans with higher interest rates and stricter conditions, but approval is not guaranteed.

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021 by Jenson

For most people, the primary purpose of buying real estate as an investment is to make a profit. However, there can be...

Important Things That NRIs Should Know About Home Loan In India by Pavithra S

If you are an NRI who wish to buy a residential property in India using a home loan, then it is essential for you to be aware...

Home Loan Agreement- Important clauses to know! by Pavithra S

Buying a house is still considered a big achievement in a person’s life as it entails several processes before one could heave...

How To Avoid Rejection Of Your Personal Loan Application Devi Bhuvanesh

Are you in urgent need of money for personal reasons? To meet the immediate financial requirement, one can apply for a personal loan...

Read all Blogs

Top Loan on Credit Card in Noida

What type of loan do you need?

Find the Top Loan on Credit Card Providers from Sulekha in Noida

Top List of Loan on Credit Card in Noida. Get an instant Credit Card loan with low interest rate, Also loan against credit card, credit cards & loans, and more. Find Loan on Credit Card service providers near your location. as on Jan 14, 2025

Muthoot FinCorp Gold Loan

Mahindra Finance in Himmatpuri

Mahindra Finance in A.G.C.R

Mahindra Finance in Barakhamba Road

City Union Bank Delhi Chandini Chowk

Mahindra Finance in Baroda House

Mahindra Finance in Pitampura

Mahindra Finance in Faridabad C.B.S

City Union Bank Gurugram

Mahindra Finance in Grain Market Palwal

Recently Connected Loans Business Partners in Noida

Why Choose Sulekha?

1. When to Consider Taking Out a Loan on Credit Card?

2. Eligibility Criteria for Taking a Loan on Credit Card?

3. What are the Benefits and Advantages of a Loan on Credit Card?

4. Important Factors to Consider When Taking a Loan on Credit Card?

5. Loan on Credit Card Interest Rates?

Most Common Questions About Loan on Credit Card

1. Who are the best Loan on Credit Card providers in Noida?

2. What documents are required for a Loan on Credit Card?

3. What are the eligibility criteria for a Loan on Credit Card?

4. How do I apply for a Loan on Credit Card online?

5. How can I get an instant Loan on Credit Card?

6. What is the percentage rate for Loan on Credit Card?

7. Can I get a Loan on Credit Card with a low CIBIL score?

8. What is the processing fee for a Loan on Credit Card?

9. Can I get a Loan on Credit Card with a bad credit score?

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021

Important Things That NRIs Should Know About Home Loan In India

Home Loan Agreement- Important clauses to know!

How To Avoid Rejection Of Your Personal Loan Application