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What is Personal Loan ?

Personal loan is a loan which is used for your personal needs wheather its buying a car,for education use or to plan a trip…you can use the money of personal loan according to your convenient .We will provide you the loan without any guarantor or without depositing any asset.


Personal loans usually have fixed interest rates.

The interest rate is locked and doesn't change for the life of the loan. Like the loan amount, interest rates on personal loans are based on credit rating. The better your credit score, the lower your interest rate. Lower interest rates are ideal because it means you pay a lower cost for borrowing the loan. Some personal loans come with a variable interest rate that change periodically.


Personal loans a fixed repayment period.

You have a set period of time to repay your personal loan. Loan periods are stated in months, e.g. 12, 24, 36, 48, and 60. Longer repayment periods lower your monthly loan repayment, but they also mean you pay more in interest than if you had a shorter repayment period. Your interest rate may also be tied to your repayment period. For example, you may have a lower interest rate with shorter repayment periods. There may be a penalty for paying your loan off early.


Applying for a Personal Loan.

It may be easier to get a personal loan from a bank you already have an account with. The bank will probably want to know what you're going to use the money for and may even have a better loan for your needs. As with any other loan, it's important to choose personal loans wisely and only borrow what you can afford to repay.






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