Top List of Personal Loan Agents in Kakinada. Get a Personal loan with a low interest rate. Also, get an Instant personal loan, gold loan, two wheller loan, and more. Find the best Personal loan service providers near your location. as on Oct 13, 2024

Global Indo Financial Services

Sector 52, Chandigarh, 160059

( Also serves in Kakinada )

4.6/5 Based on 10 Reviews

+09021122700

Loans Business Loans CC Limit Loans

+6 more

Response Time: Within 15 MinsSulekha score: 6.7

Global Indo Financial Services, located in Sector 52, Chandigarh, offers a range of financial services including personal loans, home loans, business loans, and loans against property. The firm is known for providing customized solutions to meet individual financial needs. With a focus on quick processing and transparent terms, they cater to clients across Chandigarh. Their team of experts is dedicated to ensuring a seamless loan application experience. They are highly rated by users for their professional approach and customer satisfaction?

Available Loan Types:

Offering 8 different types of loans

Loan Amount Range:

From ₹1 Lakhs to ₹1 Crore
Depending on the type of loan

sunita from Chandigarh

"Time par mera loan hua"

Arun from Chandigarh

"Trustable company I applied loan last few day's ago nd maximum he will take 7/10 days for disbursement loan amount without any extra charges I received my amount yesterday in bank account. "

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Gourav Enterprises

Model Town, Sonipat, 134003 ( Also serves in Kakinada )

+08035426822

Loans Business Loans CC Limit Loans

+11 more

Response Time: Within 15 MinsSulekha score: 6.4

Welcome to Gourav Enterprises, your one-stop destination for all your loan needs. We are a trusted and reliable company that has been serving our customers since our establishment in Model Town. Our team of experts is dedicated to providing you with the best loan solutions for your home, mortgage, unsecured, personal, private finance, and business needs. With a variety of options ranging from 2 to 15 lakhs, we cater to all your financial requirem ... less

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Loan Rescue

Bankman Colony, Patna, 800026

( Also serves in Kakinada )

5.0/5 Based on 4 Reviews

+07569019102

Loans Personal Loans Personal Loan for CIBIL Defaulters

Sulekha score: 6.8Working hours: 9 AM to 5 PM

Loan Rescue, located in Bankman Colony, Patna, is a well-regarded loan provider offering tailored financial solutions to meet the diverse needs of its clients. Specializing in various loan types, including personal loans, business loans, and home loans, Loan Rescue is known for its personalized approach. They cater to individuals with unique financial situations, providing services that accommodate even those with lower credit scores. The company is praised for its quick response time and efficient loan processing, making it a go-to option for those in urgent need of funds. Their experienced team works diligently to secure favorable loan terms for their clients, ensuring a hassle-free borrowing experience.

Available Loan Types:

Offering 2 different types of loans

Loan Amount Range:

From less than ₹1 Lakhs to ₹10 Lakhs
Depending on the type of loan

Sahni from Patna

"Excellent service"

Amit from Patna

"Good service "

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Shri Vinayak Enterprises

Vaishali Nagar, Jaipur, 302021

( Also serves in Kakinada )

Loans Business Loans CC Limit Loans

+12 more

Sulekha score: 7.8Working hours: 10 PM to 7 PM

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Instant Finanace

Ganjem, Goa, 110025 ( Also serves in Kakinada )

3.4/5 Based on 5 Reviews

Loans Business Loans CC Limit Loans

+6 more

Sulekha score: 5.6Working hours: 10 AM to 6 PM

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Praveenkumar B V from Goa

" Communication 5/5 responsiveness 5/5 good price 5/5 ontime services 5/5 Service Quality 5/5"

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Arti Financial Services

Delhi Cantt, Delhi, 110010

( Also serves in Kakinada )

+08048092183

Loans Business Loans CC Limit Loans

+5 more

Sulekha score: 7.5Years of Experience: 8

Arti Financial Services, located in Delhi Cantt, Delhi, specializes in providing a wide range of financial services, including business loans, personal loans, and private finance loans. With over eight years of experience, they are known for their prompt response time, often within 15 minutes, ensuring quick and efficient service to their clients. They cater to both individuals and businesses, offering tailored financial solutions to meet diverse needs. Whether you are looking for secured or unsecured loans, Arti Financial Services provides flexible terms and competitive rates to help manage financial requirements effectively

Available Loan Types:

Offering 2 different types of loans

Loan Amount Range:

From ₹1 Lakhs to ₹1 Crore and above
Depending on the type of loan

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One Step All Solutions

Nagasandra, Bangalore, 560073

( Also serves in Kakinada )

5.0/5 Based on 116 Reviews

Loans Home Loans Personal Loans

+1 more

Sulekha score: 8.5Years of Experience: 14

One Step All Solutions, wholly owned subsidiary of Piramal Enterprises Limited (the flagship company of Piramal Group), is registered as a housing finance company with National Housing Bank (NHB) and engaged in various financial services businesses. It provides both wholesale and retail funding opportunities across sectors. In real estate, the platform provides housing finance and other financing solutions across the entire capital stack ranging ... less

Dattu Kumar from Bangalore

"Good services "

Vijay Singh from Bangalore

"Services on time "

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The Ultimate Guide to Securing Personal Loans with Best Practices

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, home loans, vehicle loans, mortgage 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 Personal Loan

Debt Consolidation: If you have multiple high-interest debts, a personal loan can simplify your finances by consolidating them into a single lower-interest payment, making it easier to manage and potentially saving you money on interest.
Home Improvements: Personal loans are an excellent option for financing home renovations or repairs, allowing you to enhance your property's value without tapping into your home equity or savings.
Emergency Expenses: In the face of unexpected expenses such as medical bills or urgent car repairs, a personal loan can provide quick access to the necessary funds, helping you manage these costs without significant financial strain.
Major Purchases: If you need to make a substantial purchase like buying new appliances, furniture, or other big-ticket items, a personal loan can help you spread the cost over a manageable repayment period.
Special Occasions: Personal loans can be a useful tool for financing significant life events such as weddings, vacations, or other celebrations, allowing you to manage these costs without depleting your savings.
Education Expenses: While student loans are typically the primary option for education funding, personal loans can cover additional education-related expenses not fully financed by other means, ensuring you have the necessary funds to support your educational goals.

2. Eligibility Criteria for Personal Loans

Credit Score: Most lenders require a good credit score, typically above 650. A higher credit score increases your chances of approval and getting better interest rates.
Income Stability: Lenders look for a stable and sufficient income to ensure you can repay the loan. You may need to provide proof of income such as salary slips, bank statements, or tax returns.
Employment History: A steady employment history, usually with at least six months to a year at your current job, is preferred. Self-employed individuals may need to show consistent income over a longer period.
Age: Borrowers generally need to be at least 21 years old, although some lenders may have different age requirements. The upper age limit for loan repayment is often around 60 to 65 years.
Debt-to-Income Ratio: Lenders assess your debt-to-income ratio to ensure you are not over-leveraged. A lower ratio indicates better financial health and increases your chances of loan approval.
Residency Status: You must be a resident of the country where you are applying for the loan. Proof of residence such as utility bills or lease agreements may be required.
Existing Relationship with the Lender: Having an existing account or relationship with the lender can sometimes make the loan approval process smoother and faster.

Meeting these criteria enhances your likelihood of securing a personal loan with favorable terms. Always check specific requirements from the lender you are considering as they can vary.

3. Benefits and Advantages of a Personal Loan

Flexibility in Use: Personal loans can be used for a variety of purposes such as debt consolidation, home renovations, medical expenses, travel, or major purchases. This flexibility makes them a versatile financial tool.
Fixed Interest Rates: Many personal loans come with fixed interest rates, meaning your monthly payments remain the same throughout the loan term. This predictability helps with budgeting and financial planning.
No Collateral Required: Personal loans are typically unsecured, which means you don't need to provide collateral such as your home or car to secure the loan. This reduces the risk of losing valuable assets if you default.
Quick Access to Funds: Personal loans can often be approved and disbursed quickly, sometimes within a few days. This makes them an excellent option for handling emergencies or unexpected expenses.
Lower Interest Rates Compared to Credit Cards: Personal loans usually have lower interest rates than credit cards, making them a cost-effective option for consolidating high-interest debt.
Fixed Repayment Term: Personal loans come with a fixed repayment term, usually ranging from one to five years. This allows you to plan your finances better, knowing exactly when the loan will be paid off.
Boosts Credit Score: Successfully managing and repaying a personal loan can improve your credit score. On-time payments demonstrate financial responsibility and can positively impact your credit history.
Predictable Monthly Payments: With fixed monthly payments, personal loans offer financial stability, allowing you to plan your budget without worrying about fluctuating payments.
Potential for Higher Loan Amounts: Depending on your creditworthiness and income, personal loans can provide access to higher loan amounts than credit cards or other forms of unsecured credit.

By considering these benefits, you can determine if a personal loan is the right financial solution for your needs.

4. Important Factors to Consider When Taking a Personal Loan

Interest Rates: Compare rates from different lenders to find the most competitive option. A lower interest rate can significantly reduce your overall repayment amount.
Loan Term: Understand the repayment period. Shorter terms usually mean higher monthly payments but less interest paid over time, while longer terms lower monthly payments but increase total interest.
Fees and Charges: Be aware of any additional costs such as origination fees, late payment fees, and prepayment penalties. These can add up and affect the total cost of the loan.
Your Credit Score: Your credit score influences the interest rate and loan terms you can get. Check your credit report and consider improving your score before applying to secure better terms.
Repayment Ability: Assess your financial situation to ensure you can comfortably manage the monthly payments. Consider your income, expenses, and any other debts.
Loan Amount: Borrow only what you need. While it might be tempting to take out a larger loan, remember that you'll have to repay it with interest.
Purpose of the Loan: Clearly define why you need the loan and ensure it’s for a valid and necessary expense such as debt consolidation, home improvement, or unexpected emergencies.
Lender's Reputation: Choose a reputable lender with positive reviews and a strong track record. Research their customer service, transparency, and responsiveness to ensure a smooth borrowing experience.

By carefully considering these factors, you can make an informed decision that aligns with your financial goals and needs.

5. Personal Loan Interest Rates

Need	Interest Rate Range	Details
Debt Consolidation	10% - 20%	Consolidate high-interest debts into a single, lower-interest payment. Rates depend on credit score and loan amount.
Home Improvements	8% - 18%	Finance home renovations or repairs. Lower rates may be available for borrowers with good credit.
Emergency Expenses	12% - 24%	Cover unexpected expenses like medical bills or urgent repairs. Rates can be higher due to the immediate need and potential for lower credit scores.
Major Purchases	10% - 22%	Spread the cost of significant purchases, such as appliances or furniture, over manageable payments.
Special Occasions	10% - 22%	Fund major life events like weddings or vacations. Rates vary based on creditworthiness and loan term.
Education Expenses	8% - 20%	Supplement education-related costs not covered by other financing options. Lower rates may be available for high-credit-score borrowers.

Please note: The rates listed above are indicative and may change.

Top Personal Loan Providers in Kakinada

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Find the Top personal loan providers from Sulekha in Kakinada

Top List of Personal Loan Agents in Kakinada. Get a Personal loan with a low interest rate. Also, get an Instant personal loan, gold loan, two wheller loan, and more. Find the best Personal loan service providers near your location. as on Oct 13, 2024

Global Indo Financial Services

Gourav Enterprises

Loan Rescue

Shri Vinayak Enterprises

Instant Finanace

Arti Financial Services

One Step All Solutions

The Ultimate Guide to Securing Personal Loans with Best Practices

Why choose Sulekha?

1. When to Consider Taking Out a Personal Loan

2. Eligibility Criteria for Personal Loans

3. Benefits and Advantages of a Personal Loan

4. Important Factors to Consider When Taking a Personal Loan

5. Personal Loan Interest Rates

Most Common Questions About Personal Loans

1. Who are the best Personal Loan providers in Kakinada?

2. What documents are required for a personal loan?

3. What are the eligibility criteria for a personal loan?

4. How do I apply for a personal loan online?

5. How can I get an instant personal loan?

6. What is the percentage rate for personal loans?

7. Can I get a personal loan with a low CIBIL score?

8. What is the processing fee for a personal loan?

9. Can I get a personal loan with a bad credit score?

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