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Top 5 Reasons People Opt For A Personal Loan

Got more bills than your salary can cover this month? Or simply want to indulge in some retail therapy without emptying your bank account? Whatever your money worries, maybe a personal loan can help manage your finances.

Personal loans have gained tremendous popularity in India since the last few years, as the eligibility criteria for getting a loan has become more accessible to the masses. As long as you earn a minimum monthly income of Rs. 15,000 a month or more, you are eligible to take a personal loan.

Here are some of the reasons why people opt for a personal loan over other forms of financing:

5 Reasons Why People Opt For A Personal Loan

1. Maintain Your Finances

Many people think they need to save up for a long time in order to finally purchase the things they want. Taking a loan allows you to achieve your goals now without depleting your savings balance.

Additionally, if you have several outstanding debts owed to more than one lender or person, you can consolidate all your debts into one. This is known as debt consolidation, which provides a lower interest rate and streamlines your repayments into one.

2. Convenience

The days of going to a bank and waiting weeks to find out if your loan has been approved are finally over! You can apply for a personal loan from your mobile phone at any time, anywhere.

Personal loans do not require numerous documents or lengthy paperwork to be filled. The personal loan procedure is entirely paperless and 100% digital. Plus, you can get approval and disbursal in just 3 days or less.

Top 5 Reasons Why People Opt For A Personal Loan2

3. No Collateral Required

Traditionally, the only type of loans available were secured loans that required the borrower to provide collateral (the borrower’s personal assets) valued at an equal amount, to provide security to the lender. This made it difficult for people to take out a loan if they didn’t have sufficient collateral to pledge to the lender.

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The advantage of personal loans from new-age digital lenders is that there is no need for collateral at all. While interest rates of unsecured personal loans tend to be a bit higher than those of secured loans, they are completely stress-free since there is no collateral required.

4. Budget-Friendly

When you take a personal loan, you have to make repayments in the form of equated monthly installments or EMIs. Your EMI amount can be lowered if you opt for a longer repayment tenure.

Even though you’ll pay a little more interest over time, the EMI amount will be low so that it doesn’t put a strain on your finances. As a result, you’ll be able to make timely repayments which will increase your credit score.

5. Credit Score

Improving your credit score is one of the best benefits of taking a personal loan. Your credit score is derived from various details of your credit history, which includes the loan amount you avail and your repayment habits. 

Top 5 Reasons Why People Opt For A Personal Loan

A higher credit score makes you eligible for larger loan amounts at lower interest rates in the future. Imagine how useful this will be if you’re planning to purchase a house one day and will eventually need a home loan! As long as you ensure you are consistently paying your EMIs on time, your credit score will steadily increase.

Conclusion

Availing a personal loan has become a very simplified process and is more accessible to everyone these days. With flexible repayment tenures, you can get a low monthly EMI that can be easily accommodated in your budget.

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