Siliguri is known for being a commercial city because of its strategic location near different states and nations. The place has seen economic and commercial growth due to tourism, transport, timber and tea. The rise in industries and businesses attracts opportunities in terms of employment and entrepreneurship. One may find it tough to manage funds for starting their local business or need funds to make an expensive purchase. In such instances, it is a good option to opt for a quick personal loan to take care of these financial needs.
On Zype, the loan application is completed in less than 8 minutes, and the loan disbursed is within 24 hours. There is no need for any paperwork and only basic details like name, mobile number, PAN card number and employment details are required.
If you want to get a personal loan in Siliguri, download the Zype App. Zype offers instant loans up to ₹2,00,000 at affordable interest rates.
Whether you need a loan for medical expenses, wedding or travel plans, you can utilize the funds for all such expenses. The loan repayment is just as easy with flexible repayment that can be done in 6, 9 and 12 months.
With Zype, getting a personal loan in Siliguri is a quick and convenient option. Here are the key features and benefits of choosing Zype for your personal loan requirements:
Zype offers personal loans up to ₹2,00,000
The loan application on Zype is quick and easy with only basic information required.
Once the loan gets approved, the funds are directly deposited in your account within 24 hours.
Zype offers a flexible loan repayment structure. The repayment can be done in 6,9 and 12 months.
Zype offers unsecured loans. This means you can get a personal loan without the need to pledge any of your assets like gold or property, making them a convenient option.
The loan application is paperless and hassle-free. You only need to provide basic details along with PAN and Aadhar card details.
Zype has a user-friendly app that operates 24/7. Thus, it offers the convenience of applying for a personal loan anytime, anywhere.
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Loan approval depends on key parameters that the lender sets to determine loan eligibility. If you plan to apply for a personal loan in Siliguri, check the eligibility criteria required by Zype:
Individual must be 18 and above to be eligible for a personal loan from Zype.
Individual must be a salaried person earning a minimum monthly salary of ₹15,000
Must be an Indian citizen with valid PAN and Aadhar card.
To take a personal loan on Zype, you only need to submit a few important details during the application process. You can complete the application process under 8 minutes, just by giving basic details as follows:
You need to provide PAN and Aadhar card details during loan application.
To unlock the credit line, you are required to do real time selfie verification to complete the KYC.
To increase the credit limit, you are required to submit proof of income by uploading bank statement of last 4 months.
When you take a personal loan, be sure to check the interest rates and other charges levied by the lender. Zype is transparent about all their additional charges. Here is a table with details of interest rates and charges on a personal loan from Zype:
| Interest rate & other charges | Details |
|---|---|
| Interest rate | Interest rate starts at 1.5% (monthly) |
| Loan processing fees | Processing fees is between 2% to 6% on every loan |
| Penalties on overdue EMIs | You will be charged penalties and late fees on overdue EMI on total outstanding loan on a daily basis, till the time you repay it. |
One may need to take a personal loan in Siliguri for various purposes ranging from home repairs to weddings. With Zype, one can access funds quickly, all while keeping their valuable assets secure. Here are a few purposes of instant cash loan in Siliguri:
Personal loan for travel is a great option if you plan to take a vacation or a trip. It will help you cover the cost of the trip, like air tickets, accommodation, food, shopping and such expenses.
Weddings are an expensive affair, and one may find it tough to manage all the associated expenses. Be it the caterers, outfits, jewelry, decorations or the photographers, a Personal loan for a wedding can help you cover such costs. This will give you enough time to manage all the expenses efficiently.
A personal loan can cover the cost of a surgery, medical procedure or other health-related treatments. It is a good option for a medical emergency as well. An instant personal loan will give you quick access to funds and largely reduce your financial burden.
With a personal loan, it is easier to renovate your home. Be it upgrading the kitchen, painting walls, getting new decor or repairing the walls. A home renovations personal loan gives you quick access to funds with an easy repayment structure.
Expenses for annual occasions like birthdays or anniversaries can be covered with a personal loan. You may want to host your extended family at your house or celebrate in a party hall. The cost of rent, food, and decorations can easily be covered by a personal loan. Thus, you can enjoy the celebrations stress-free with your loved ones.
Zype has an easy and quick personal loan application process. To apply for a urgent loan in Siliguri, you must follow the below steps:
1) Download the Zype App or register on Zype’s official website
2) Complete the loan application with basic details like name, mobile number, PAN card and Aadhar details
3) When you fulfil the eligibility criteria, Zype will review the loan application and approve it.
4) On loan approval, a loan imit is generated. To unlock this limit, you need to complete the KYC by Aadhar card and real-time selfie verification.
5) Enter the loan amount and loan tenure
5) The funds then get directly deposited into your account.
Eligibility criteria vary across lenders. On Zype, the eligibility criteria for Siliguri residents to qualify for a personal loan includes age above 18 years, good credit score (above 700), minimum monthly income of ₹15,000 along with valid PAN card and Aadhar card.
Yes, you can apply for a personal loan online. Many lenders like Zype allow borrowers to apply for a loan on their app or on their official portal.
The interest rate for a personal loan in Siliguri varies across lenders. Zype offers interest rates between 10% – 36%.
On Zype, the minimum and maximum loan amount available in Siliguri ₹3000 and ₹2,00,000 respectively.
On Zype, once the loan application is approved, the loan amount gets disbursed directly in your account within 24 hours.
To improve your chances of getting a personal loan in Siliguri, you must improve your credit score (more than 750), lower debt to income ratio, opt for longer loan tenure and only apply for a loan amount that you know you can repay easily.
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