{"id":10682,"date":"2020-07-21T12:09:19","date_gmt":"2020-07-21T12:09:19","guid":{"rendered":"\/blog\/?p=10682"},"modified":"2023-06-22T06:33:12","modified_gmt":"2023-06-22T06:33:12","slug":"5-reasons-why-personal-loans-are-hassle-free-at-tata-capital","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/personal-use-loan\/5-reasons-why-personal-loans-are-hassle-free-at-tata-capital\/","title":{"rendered":"5 Reasons Why Personal Loans are Hassle-Free at Tata Capital"},"content":{"rendered":"\n

With\nseveral loan financers available in the market, finding the right one can be a\ndaunting task. However, it is essential to find the correct lender to ensure\nthat the process of loan sanctioning, usage, and repayment is simple and causes\nthe borrower no inconvenience. A personal loan\nfrom Tata Capital, for instance, is trusted to be the best in the industry.<\/p>\n\n\n\n

Here\nare five top reasons why getting a personal loan\nfrom Tata Capital is easy and hassle-free:<\/p>\n\n\n\n

1.\n Easy availability<\/h2>\n\n\n\n

You\ncan avail quick personal loan up to Rs 25\nlakh by simply speaking to a representative, visiting the official branch, or\napplying online.  <\/p>\n\n\n\n

The\nprocess of loan documentation is rather simple at Tata Capital. All you need to\nfurnish are your bank statements of the last three months, salary slips of the\nsame period, along with address, income, and identity proofs. It takes only 72\nhours for the amount to be credited to your bank account once your documents\nare approved. <\/p>\n\n\n\n

2.\n Low-interest rate<\/h2>\n\n\n\n

Among\nall other benefits of personal loan with Tata\nCapital, the attractive interest rates are a major draw. The interest rates at\nTata Capital are one of the lowest in the industry. They start at just 10.99%\nand vary based on your eligibility, tenure, income, CIBIL score, and other\ncriteria.  <\/p>\n\n\n\n

Moreover,\nunlike other lenders, Tata Capital does not levy any charges or penalties on\npart prepayment of the amount. However, the part prepayment must be made after\nsix months of availing the funds. <\/p>\n\n\n\n

Additional Reads – <\/strong>Things you Need to Know About Personal Loan Prepayment Option<\/a><\/p>\n\n\n\n

3.\n No collateral or security<\/h2>\n\n\n\n

Tata\nCapital does not require you to pledge any security or collateral to secure\npersonal finance. The funds can also be used at your complete discretion. The\nfinancer allows you to use the money for marriage, education, buying a car,\nhigher studies, home renovation, medical expenses, etc. You are not obligated\nto inform the company about how you plan to spend the borrowed money. <\/p>\n\n\n\n

4.\n Liberal eligibility and flexible tenure<\/h2>\n\n\n\n

The criteria of personal loan eligibility at Tata Capital are not very stringent and largely depend on your ability to settle the loan. Even if you have a low CIBIL score, you can apply for a joint loan with your spouse or a parent.\u00a0Use the personal loan eligibility calculator<\/a> to check your eligibility.<\/p>\n\n\n\n

Moreover,\nyou have the option to choose your repayment tenure. You can choose a fixed\nloan and interest amount. You could also opt for higher\/lower equated monthly\ninstalments (EMIs) at the beginning and lower\/higher EMIs at the end of the\ntenure. The loan EMI schedule can be decided as per your income. <\/p>\n\n\n\n

Additional Reads \u2013 <\/strong>How to Plan your Personal Loan EMI Repayment Smartly?<\/a><\/p>\n\n\n\n

5.\n Overdraft facility<\/h2>\n\n\n\n

A very critical benefit of taking a personal loan<\/a> from Tata Capital is the personal loan overdraft<\/a> feature. The company allows you to borrow beyond the sanctioned limit, up to an agreed amount. The interest is levied only on the funds used. This is very beneficial in cases of urgent expenses and emergencies.<\/p>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

Borrowing money from the right source is very important. Easy-to-repay loans from Tata Capital are a reliable option if you are looking for a trusted lender. With hassle-free documentation, liberal eligibility criteria, and flexible tenure, the low personal loan interest rate<\/a> from Tata Capital are suitable for any purpose and need.<\/p>\n\n\n\n

Apply Now<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

With several loan financers available in the market, finding the right one can be a daunting task. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":10681,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-10682","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-use-loan"],"yoast_head":"\n5 Reasons Why Personal Loans are Hassle-Free at Tata Capital<\/title>\n<meta name=\"description\" content=\"Need to get instant funds for use? Read this blog to learn why Personal Loans with Tata Capital are your go to fund option. 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