Mobile Se Loan Kaise Milega 2024 : In today’s times, emergencies often create an urgent need for money. If you are wondering how to get a loan quickly using your mobile phone, then this guideline will give you all the information you need. In today’s digital age, getting a loan has become easier than ever. You can easily take a loan from your mobile sitting at home. Will you need a credit card to take a loan from your mobile? You can see how to apply through this article today.
Mobile Se Loan Kaise Milega 2024
Mobile loans are convenient and accessible, especially for urgent needs. Here are some of the benefits:
- No need to visit banks or submit extensive documents.
- Instant approval with basic details like Aadhar card and PAN card.
- Loans range from ₹1,000 to ₹10 lakh, disbursed digitally. It will come directly to your bank account.
- There are options to repay this loan between 3 to 36 months.
How to apply for a mobile loan?
- Download Loan App:
- Choose a trusted app like KreditBee, Moneyview or Navi. Download them from Google Play Store or Apple App Store.
- Create Account:
- Link your Aadhaar-linked mobile number.
- Provide details like name, income and bank account information.
- Complete KYC Verification:
- Upload required documents like Aadhaar, PAN card and selfie.
- Review Loan Offers:
- Based on your credit score, you will receive loan options with interest rates and EMI details.
- Accept Offer:
- Confirm using Aadhaar OTP or NACH approval.
- Receive Loan Amount:
- The loan amount is credited to your bank account within hours.
Charges and fees
- Interest rate: 20%–36% per annum, depending on your credit score.
- Processing fee: 2%–5% of the loan amount.
- Late penalty: Daily penalty for missed EMIs.
- GST: 18% on applicable charges.
Top Mobile Loan Apps in 2024
- SmartCoin: ₹4,000–₹1,00,000
- KreditBee: ₹3,000–₹2,00,000
- Moneyview: ₹5,00,000
- Navi: ₹5,00,000
- CashBean: Up to ₹60,000
Key points before applying
- High interest: Mobile loans often carry higher rates compared to bank loans.
- On-time payment: Late payments lead to penalties.
- Eligibility: Make sure you meet the age (21–55) and income requirements.
By using the right app and making informed decisions, you can easily secure a loan and manage financial emergencies from the comfort of your home. Always assess your repayment capacity before applying!
