Apply Personal Loan for Credit Card Payment in Greater Noida

Collateral Free Loan | Lowest Interest Rate | Maximum Loan Amount | Lower Processing Fees | Door Step Service

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Personal Loan for Credit Card Payment in Greater Noida

When your credit card balance is very high, it can be difficult to make repayments. It is a good idea to take out a personal loan to pay off your credit card debt. This is an easy way to get rid of credit card problems. The longer you delay paying high credit card bills, the more damage your credit score suffers. The interest rates on personal loans are often low. Therefore, you can save money on interest and get out of your credit card debt faster.

Personal Loan for Credit Card Payment is available for both salaried and self-employed. It offers loans with maximum loan amount at attractive interest rates. It also offers a hassle-free business loan application process with simplified documentation & tenure, doorstep services, and low processing fees. Apply for Personal loan for Credit Card Payment in Greater Noida with LoanMoney to avail maximum loan amount with the lowest interest rates and quick approval.

Quick Enquiry for Personal Loan

Share your contact details and talk with our experts to get an instant decision on your loan.

All Banks Personal Loan

Bank Name

Loan Amount

Interest Rate

Special Features

Eligibility Criteria

  • Salaried - Age at least 23 and less than 58
  • Maximum Tenure - 72 Month
  • Applicant Should Be Earning at Least 35,000 Per Month as Net Income
  • Nil Closure and Part Payment Facility Available for More than 10 Lac Loan Amount.

Documents

  • Passport Size Photo, Pan Card, Aadhaar Card & Current Address Proof
  • Income Proof - Latest 3 Months Salary Slip & 6 Months Bank Statements Of Till Date(Pdfc)
  • Additional Documents - Form 16 & Office I-Card Mandatory for Government Customers

Fees & Charges

  • Nil Charges For Closure and Part Payment Available For More Than 10 Lac Loan Amount.
  • 10 Lacs Loan Amount -pre-closure Fee = 4% Of Principal Outstanding 2nd Year. 3% In 3rd Year & 2% Afterwards.
  • Part-payments Can Be Made Only After 12 Months. For Part Payments Between 13 To 24 Months, A Fee Of 4% Is Applicable On The Part-payment Amount. 3% Is Applicable On Payments Between 25 To 36 Months. 2% Is Applicable Post 36 Months.
  • Part-payments Are Allowed Only Twice During The Loan Tenure And Once A Year. The Amount Cannot Exceed 25% Of The Principal Outstanding.
  • In Golden Edge Facility Pre Closure Charges Nil After 12 Months
Read More

Eligibility Criteria

  • Salaried - Age at least 23 and less than 65
  • Applicant Must Have A Monthly Income Of 35,000 Or More
  • For Non Listed Companies Monthly Income Should Be 40,000 Per Month

Documents

  • Passport Size Photo, Pan Card, Aadhaar Card & Current Address Proof
  • Income Proof - Latest 3 Months Salary Slip & 3 Months Bank Statements Of Till Date(Pdfc)
  • Additional Documents - 6 Months Banking Required If Case Book For Balance Transfer With 6 Months EMI Clearance

Fees & Charges

  • Nil Charges For Closure And Part Payment Available For More Than 10 Lac Loan Amount.
  • Pre-closure Fee - 5% Of Principal Outstanding
  • Golden Edge Scheme Available More Than 10 Lacs Loan Amount
Read More

Eligibility Criteria

  • Age - At Least 23 And Less Than 58
  • Applicants Must Be Salaried Indian Residents Working At Mncs, Public Companies Or Other Large Private Organisations
  • Monthly Income Should Be More Than 35,000

Documents

  • Passport Size Photo, Pan Card, Aadhaar Card & Current Address Proof
  • Income Proof - Latest 3 Months Salary Slip & 3 Months Bank Statements Of Till Date
  • Additional Documents - Form 16 & Office I-card

Fees & Charges

  • Pre-closure Fee = 5% Of Principal Outstanding
Read More

Eligibility Criteria

  • Salaried - Age at least 23 and less than 58
  • Applicant Should Be Earning at Least 25,000 Per Month as Net Income

Documents

  • Passport Size Photo, Pan Card, Aadhaar Card & Current Address Proof
  • Income Proof - Latest 3 Months Salary Slip & 6 Months Bank Statements Of Till Date
  • Additional Documents - Form 16 & Office I-card

Fees & Charges

  • Pre-closure Fee = 4% Of Principal Outstanding (Plus Applicable Tax) In 2nd Year. 3% (Plus Applicable Tax) In 3rd Year & 2.5% (Plus Applicable Tax) Afterwards
  • Part-payments Can Be Made Only After 12 Months. For Part Payments Between 13 To 24 Months, A Fee Of 4% Is Applicable On The Part-payment Amount. 3% Is Applicable On Payments Between 25 To 36 Months. 2% Is Applicable Post 36 Months
  • Part-payments Are Allowed Only Twice During The Loan Tenure And Once A Year. The Amount Cannot Exceed 25% Of The Principal Outstanding
Read More

Eligibility Criteria

  • Salaried - Age at least 23 and less than 58
  • Self-employed - Age At Least 23 And Less Than 58, Office & House Should Be Own

Documents

  • Passport Size Photo, Pan Card, Aadhaar Card & Current Address Proof
  • Income Proof - Latest 3 Months Salary Slip & 3 Months Bank Statements Of Till Date(Pdfc)
  • Additional Documents - 6 Months Banking Required If Case Book For Balance Transfer With 6 Months EMI Clearance
  • For Self Employed Need Minimum 2 Years Of Itr Copy & 6 Months Bank Statement Of Current Account With Gst Registration Certificate

Fees & Charges

  • Pre-closure Fee - 5% Of Principal Outstanding
Read More

Eligibility Criteria

  • Salaried - Age at least 23 and less than 58
  • Monthly Income Should Be More Than 20,000
  • For Listed & Non Listed Both
  • Digital Process

Documents

  • Selfie, Pan Card, Aadhaar Card & Current Address Proof
  • Income Proof - 3 Months Bank Statements Of Till Date

Fees & Charges

  • Pre-closure Fee = 5% Of Principal Outstanding After 6th EMI.
Read More
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All You Need To Know About Personal Loan in Greater Noida

General Information

There are various factors to consider while taking a Personal Loan in order to assure the borrower gets the best possible deal. Factors such as:

Loan Amount: 1 Lac to 40 Lacs | Rate of Interest (APR)*: 10.75% to 22.50% | Repayment Tenure: 12 Months to 60 Months | Processing Fees: 0.75% to 2.50% + GST as applicable | Prepayment/ Foreclosure: Nil (After 12 months) or 1% - 4% (Before 12 months)

Illustration: 1 Lac loan on @10.75% with processing Fees for 60 Months comes to Rs. 1,29,708/- Equated Monthly Instalment shall be: Rs. 2,162/- only.

* APR - Annual Percentage Rate

Features & Benefits of Personal Loans

A personal loan is a loan taken by the salaried individual to finance any personal Expenses like Weddings Expenses, Home Renovations, Medical Expenses, Bill payment, Dream Vacation Tour, Starting a Business, Higher Education. In Personal Loan, the borrower has full freedom to use the money for any purpose they want.

  • Collateral-free Loan
  • Instant Approval
  • Minimum Document Required
  • Attractive Rate of Interest
  • Flexible Repayment Option
  • Lowest EMI
  • Maximum Loan Tenure
  • Quick Disbursal
  • Door-Step Services

Eligibilty Criteria for Personal Loan

Personal Loan Eligibility Calculator helps you to understand the maximum loan you can avail of depending on your net monthly income and repayment capacity. Various factors will consider for your personal loan eligibility such as net monthly income, company category, job continuity, CIBIL Score, other financial liabilities, etc. You can also check eligibility criteria and document required for the Salaried Personal Loan.

Particulars Salaried Self Employed & Professional
Age(Min-Max) 23 - 58 Years 25 - 65 Years
Minimum Income Net Monthly Salary > 25000/- or More NA
Co-applicant Not Require NA
Loan Tenure 12 To 60 Months 12 To 60 Months
Maximum Loan Amount Max. 30 Lacs Max. 20 Lacs
Employment/Business Continuity 1 Year Job Stability is Mandatory. NA
CIBIL Score Minimum 720 NA

Personal Loan for Salaried

  • Applicant Minimum age of 21 years.
  • Applicant Maximum age of 60 years at the time of maturity of the Personal Loan
  • Minimum Monthly Income: Rs. 25,000/- or more
  • Salaried Employees / Professionals (Salaried Doctors, CA, Employees of Private Ltd. Companies, and Employees from Public Sector undertakings including State & Central Govt. )

Document Required for Salaried

  • Application Form with Passport size Photo
  • Identity proof: Voter ID Card, Aadhar Card, PAN Card, Passport, Driving License
  • Address proof: Voter ID Card, Aadhar Card, Driving License, Ration Card, Passport, Telephone/Electricity Bill, Rental Agreement.
  • Latest 3 months bank Passbook statement
  • Latest 3 months salary slip or current salary certificate.
  • Latest Form 16

Points to be Considered while choosing a Personal Loan

There are various factors to consider while taking a Personal Loan in order to assure the borrower gets the best possible deal. Factors such as:

  • Attractive Rate of Interest: Banks offer lower or higher interest rates depending on the Applicant’s profession, monthly income, Company Category and CIBIL Score. Before choosing a bank, compare the Personal Loan Interest Rates offered by various banks, and opt for the one offering the minimum interest rate.
  • Service Charges: Processing fee, pre-payment charges, and documentation fee are some of the service charges that are added to the loan amount. Choose a bank that charges a minimum fee for these services.
  • EMI: Compare the EMI options offered by different banks, before deciding the one that offers the best EMI option.
  • Loan Tenure: The repayment period for Personal Loans range from 1 year to 6 years.
  • Quick Disbursal: The main purpose of a Personal Loan is to fulfil the urgent financial needs of a customer. Most banks process and issue loans within 3 to 5 Days.
Transparent process

Why you should choose us?

Loanmoney provides transparent and trustworthy loan services to fulfill your immediate financial needs.

Minimal Documentation

Experience fast personal loan transactions with minimal documentation requirements.

Fast Approval

Get Fast Approval of a personal loan by simply following a few steps.

Door-step Services

Enhance your convenience by availing loans through Loanmoney's assistance.

Hassle-free Process

Choose Loanmoney for a seamless and stress-free experience in obtaining a personal loan, simplifying the entire process.

Talk with our Personal Loan Expert

+91-8130-222-111

About Greater Noida, Noida, India

Greater Noida is a city located in the state of Uttar Pradesh. It is spread over 380 km sq. It is about 25 kilometers southeast of New Delhi, 20 kilometers from Noida, and 457 kilometers northwest of the state capital, Lucknow.

It is known to be India's greenest city with nearly 50% green cover, the highest of any city in India. The township is famous for its business parks, temples, and malls. Some of the best places to visit in Greater Noida are Buddh International Circuit.

FAQs for Personal Loan for Credit Card Payment

  • What are the benefits of taking a personal loan with the help of Loanmoney?

    The benefits of taking a personal loan with the help of Loanmoney are:

    • Collateral-free Loan
    • Minimum Document Required
    • Attractive Rate of Interest
    • Flexible Repayment Option
    • Lowest EMI
    • Maximum Loan Tenure
    • Quick Disbursal
    • Door-Step Services
  • What is the tenure of a personal loan?

    Personal loans feature tenure of 1 year to 5 years or 12 to 60 months.

  • What are the key documents required when applying for a personal loan?

    The key documents required for a personal loan are:

    • Application Form with Passport size Photo
    • Identity proof: Voter ID Card, Aadhar Card, PAN Card, Passport, Driving License
    • Address proof: Voter ID Card, Aadhar Card, Driving License, Ration Card, Passport, Telephone/Electricity Bill, Rental Agreement.
    • Latest 3 months bank Passbook statement
    • Latest 3 months salary slip or current salary certificate.
    • Latest Form 16
  • Am I eligible for a personal loan?

    To be eligible for a personal loan, you must have a regular source of income to avail of a personal loan, whether you are a salaried individual, a self-employed business person, or a professional. Some other factors that are affected are credit history, residential location, and other factors as per the lender’s criteria.

  • What is an EMI?

    EMI stands for Equated Monthly Installment (EMI). It is a monthly payment given by a borrower to a creditor on a defined day in each month. EMIs apply to both interest and principal each month, and the loan is paid off in full over some years.

  • What are Nil Foreclosure Charges in Personal Loan?

    The term Loan foreclosure means when a person does the full repayment of the remaining loan amount in one single & final payment instead of paying it back in multiple EMIs.

    Some banks don't allow foreclosure of the loan as they won’t get the interest from the borrower and some banks allow foreclosure of the loan but they charge a certain amount from the borrower. While taking a Personal Loan try to see if there is zero foreclosure charges or nil foreclosure charges facility available for borrowers. This can save you money that you were going to pay to the bank.

  • Do I need to provide any security or collateral to obtain a Personal Loan from Bank?

    No, you don’t have to provide any security, collateral, or guarantee to obtain a Personal Loan from Bank.

  • How much would I need to repay each month?

    At the time of booking your loan, the EMI (Equated Monthly Instalments) will be calculated based on the loan amount sanctioned, interest rate, and the tenor.

  • How long will it take for my Personal Loan to be processed?

    Once you submit your application form and the required documents as per Bank's criteria, you can expect our approval and disbursal within 5 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.

  • What happens if I miss an EMI payment or there is an ECS bounce?

    The bank will levy certain ECS bounce charges/penalties. In addition, it will get reported in your credit report. Depending on the severity of the default it can have a serious impact on your future credit possibilities like a home loan, car loan, etc. In addition, the banks can also take legal action against the borrower.

Clients words

What our clients say

We pride ourselves on providing transparent and quality service to our clients, but you don’t just have to take our word for it. Read what our clients have to say about us.

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Job Varghese

Client

I am totally satisfied by loan money and the way it services its customers.... especially I thank and appreciate Ms. Somya as she is a great resource to the organization. She has been constantly assisting me from start till the end and has been a very prompt and sensible officer as she could offer the relevant deal for me.

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Vishwajeet Nanaware

Client

LoanMoney is really good in providing loan services. Particularly Chanchal, my loan assistant has great skills to communicate with her clients and understand their needs. She processed my personal loan on time. The rate of interest offered was lower than the others. it was overall a good experience with 100% satisfaction.

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Avlokit Kaushik

Client

This is my second time in have taken a loan from LoanMoney. Kavita has helped me a lot..very cooperative very helpful very fast. Thanku again.

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Head Office : B-520, Tower B
Logix Technova
Plot No. 44 Sector - 132
Noida - 201305, India


Branch Office: B - 134, Third Floor
DDA Shed
Okhla Industrial Area, Phase - 1
New Delhi - 110020


Branch Office: C – 107, 1st Floor
Noida One, Plot No -8, Block B
Industrial Area, Sector 62, Noida
Uttar Pradesh - 201309


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B-134, Third Floor, DDA Shed
Okhla Industrial Area, Phase - 1
New Delhi - 110020

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B-520, Tower B,Logix Technova
Plot No. 44, Sector - 132
Noida - 201305, India

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