Get instant personal loans in Agra if your income is at least Rs. 20,000 per month. In order to qualify for personal finance from Qbera, you should have a minimum credit score of 600. improve your chances of approval and avoid rejection by applying with Qbera!
Need a Personal Loan in Agra? Here is everything you need to know to get one
Located on the banks of River Yamuna in the state of Uttar Pradesh, Agra is a prominent tourist destination in India. Qbera now caters to the demands for easy personal loans in Agra. This tourism prominence city has many monuments like the Taj Mahal which places it on the world map. The presence of personal loans at an affordable interest rate has helped many set up their business favoring the tourism industry. Personal loans are highly versatile and can easily be used to fund any kind of legitimate demand for money.
Agra is one of the bigger cities in the state and personal loans are preferred to fund a wide variety of lifestyle changes. The unsecured nature of the loans is desired, and many choose this to fund their wishes and aspirations. From modern gadgets to funding a certification course, any legitimate requirement for money can be easily managed with an easy personal loan in Agra from Qbera.
Personal Loans in Agra - Here's why Qbera is the better choice
Particulars
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Qbera
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Traditional Banks
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|---|
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Processing fee
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1% -5%
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2.25% of principal + GST
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Interest rate
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Starting at 10.99%
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Starting at 11.99%
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Credit Score required
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600 and above
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750 and above
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Loan amount
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Up to Rs 25 00 000
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Up to Rs 15 00 000
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Minimum age required
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23 years
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21 years
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Pre-closure charges
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5% + GST
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5% + GST after a lock in period
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Features of an easy Personal Loan in Agra from Qbera
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The entire process of applying for the personal loan that includes application, document verification and amount disbursal is completed within 24-48 hours. This short turn over time is highly coveted.
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The fintech’s emphasize on the digital experience for their applicants. The process is online and there is minimal requirement for documents. Aadhar card, PAN card, income and salary documents along with photographs and cheques are required.
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Those who fall in the low-income category face difficulty while accessing urgent loans requirements. Fintech’s like Qbera does consider individuals with a minimum take home salary of Rs. 18 000.
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The CIBIL score indicates the creditworthiness of an individual. Banks prefer a score of 750 and above but Fintech’s do consider a score of 600.
Different ways to a Personal Loan in Agra
Being highly versatile, these easy personal loan can be used to fund any kind of requirement:
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Medical bills: An emergency hospitalization and subsequent bills can be easily managed with an easy personal loan in Agra from Qbera.
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Marriage bills: Weddings are synonymous with high costs. Opting for an easy personal loan can be your key to a stress-free wedding.
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Educational certification: Career growth is often hampered by the lack of proper certification. With an easy personal loan, you can upgrade your education and get the much need promotion in your job.
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Plan exotic vacation: To de-stress and rejuvenizes oneself a stress-free vacation is essential. You can take an easy personal loan in Agra from Qbera with an economical interest rate and long repayment tenure for a stress-free vacation.
View a complete list of our FAQs at our
help center
Interest Rate & Other Charges
Interest Rate
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11.99% to 35.99%
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Processing Fee
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1% to 5% of total loan amount
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Loan Amount
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₹1,00,000 to ₹15,00,000
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Loan Tenure
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12 to 60 months
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Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
Example: A
loan offer of
₹2 lac, for a
tenure of
3 years at an
interest Rate of
16.6% (on a reducing principal) and a
processing fee of
2.5%.
Translates to:
- Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
- EMI of ₹7091 per month
- Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
- Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
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