Personal Loan in Chandigarh

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Personal Loan in Chandigarh

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Here’s Why You Should Opt for Personal Loans in Chandigarh from Moneyview

Flexibility of Loan Amount

Choose a loan amount of up to Rs. 5 lakhs

24 Hour Disbursement

Your loan will be credited within a day after your loan application has been approved

No Collateral or Guarantor

There is no need for a guarantor or collateral for personal loans from Moneyview

Affordable Interest Rates

We understand how important interest rates are as they determine the EMI amount to be paid. At Moneyview, the interest rate starts at just 10% per annum.

Minimal Documentation

We require only three documents from you - ID proof, address proof, and income proof

100% Paperless

Enjoy a complete online process, right from application to loan disbursal

Loans on Low Credit Score

The minimum score required is a CIBIL score of 600 or Experian score of 650.

Instant Eligibility Check

Check your eligibility from the Money View website or loan app within just 2 minutes

Chandigarh is not your normal city. Other than being the capital of two prominent states of India, Punjab, and Haryana, it was the dream city of our beloved Prime Minister Pandit Jawaharlal Nehru.

Chandigarh is brimming with national heritage and culture. And, it is also a little expensive live in. Worry not! Because Moneyview offers instant loan disbursement to help you in any financial situation.

Personal Loan Financer in Chandigarh

Partnered with some of the most trusted personal loan providers in Chandigarh, Moneyview offers loans of up to Rs. 5 lakh with minimal documentation and a hassle-free application process.

Eligibility Criteria for Personal Loans in Chandigarh

Here’s Moneyview’s simple eligibility criteria for personal loans in Chandigarh -

Applicants must be between 21 years and 57 years
Applicants must receive an income of Rs. 13,500 or more*
Income must be credited directly to the applicants’ bank account
Credit score must be a minimum CIBIL score of 600 or minimum Experian score of 650

Given below is a city-wise breakdown of the income and credit score requirement -

Income and Credit Score Eligibility Criteria*
Salaried Individuals	Minimum In-Hand Income	Area of Residence	CIBIL Credit Score Requirement
	Rs 13,500	Any	CIBIL Score of 600 /Experian Score of 650 and above
	Rs 20,000	Mumbai/Thane or the NCR region (Delhi, Noida, Gurgaon, Ghaziabad, Faridabad, etc.)	New to Credit or CIBIL Score of 600 /Experian Score of 650 and above
	Rs 15,000	Metro City other than Mumbai and NCR	CIBIL Score of 600 /Experian Score of 650 and above
Self-Employed Individuals	Rs. 15,000	Any	CIBIL Score of 600 /Experian Score of 650 and above

Documents Required For Personal Loans in Chandigarh

Given below are our minimal documentation requirements for personal loans in Chandigarh -

Identity Proof	Address Proof	Income Proof
PAN Card - This is the primary ID proof required. However, if it is rejected due to image quality issues or other reasons, any 1 of the officially valid documents given below will suffice Aadhaar Card Valid Indian Passport Valid Voter ID Valid Driver’s License	Any 1 of the following - Aadhaar Card Valid Indian Passport Valid Voter ID Valid Driver’s License Utility Bills (Electricity, Water, Gas) dated within the last 60 days	Salaried Applicants - Last 3 months’ bank statements of your salary account in PDF format showing salary credits OR Self-Employed Applicants - Last 3 months’ bank statements in PDF format if you are self-employed

Fees and Charges for Personal Loans in Chandigarh

As one of the foremost personal loan providers in Chandigarh, we have ensured that our fees and charges are affordable without any hidden components -

Fees and Charges	Amount Chargeable
Interest Rate	Starting from 1.33% per month
Loan Processing Charges	Between 2% to 8% of the approved loan amount
Interest on Overdue EMIs	2% per month on the overdue EMI/Principal loan amount
Cheque Bounce	Rs.500/- each time
Loan Cancellation	No additional charges levied Processing fees will also be retained.

How to Apply for An Instant Personal Loan in Chandigarh

Check Eligibility

Provide a few basic details to check your eligibility in just 2 mins!

Select Loan Tenure

Choose your loan amount & repayment tenure

Upload Documents

Complete your KYC and Verify income

Amount Disbursed

Direct Bank A/c transfer in a few minutes!

Conclusion

Getting personal loans in Chandigarh is now easier than ever. Not only do our personal loans come with a flexible repayment schedule, they are also easy to avail and disbursed within 24 hours of application approval. So what are you waiting for? Visit the Moneyview website or download the loan app and apply now.

Personal Loan in Chandigarh - FAQs

1. Can CIBIL defaulters get instant loans in Chandigarh?

Having a high credit score is essential to avail personal loans at affordable rates and convenient terms. However, at Moneyview, our lending partners use unique credit rating models that assess an applicant’s creditworthiness on factors other than just his/her credit score.

Therefore, even if the applicant was a CIBIL defaulter, as long as his/her CIBIL score is above 600, then a personal loan in Chandigarh from Moneyview can be availed.

2. What can I use my personal loan from Moneyview for?

Our lending partners’ personal loans are extremely versatile. You can use personal loans from Moneyview for a number of purposes such as -

To fund a wedding
For home-repairs
For vacation
To pay off credit card bills or build credit score
To buy the latest gadget
For a loan down payment
To fund a business venture
Medical expenses
Education purposes

3. Where can I get a personal loan without income proof in Chandigarh?

It is not possible to avail personal loans without providing income proof as the lender needs to verify your repayment ability. However, at Moneyview we ensure that our customers have to provide just the minimum number of documents required and this includes - proof of identity, proof of address, and proof of income.

4. Will I get a loan if I get my salary in cash?

Currently we only offer loans to those individuals whose salary gets credited directly to their bank account. We will not be able to disburse loans to applicants who get their salaries in cash. We will not be able to give loans to applicants who get their salaries in cash.