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Before issuing a personal loan, lenders apply certain conditions that should be met by each applicant. They help to assess the borrower’s financial stability and ability to repay the loan. Let’s take a look at who can qualify for a TVS Credit Personal Loans.
When applying for Personal Loans on TVS Credit, certain details are necessary to verify your identity. These details help lenders assess your eligibility and process your loan efficiently. The required details include:
Several factors can influence your eligibility for a Personal Loan. Ensuring that these factors are favorable can improve your chances of loan approval and may result in better interest rates:
Credit Score
A higher credit score indicates better creditworthiness.
Income Level
Consistent and sufficient income enhances repayment capacity.
Employment Stability
Long-term employment or business stability is preferred by lenders.
Debt-to-Income Ratio
A lower ratio improves eligibility as it shows fewer liabilities.
Eligibility for a TVS Credit Personal Loans typically requires a stable income of more than ₹25,000 per month and a credit score of 700 or above.
The minimum salary should be at least ₹25,000, but it may vary depending on the lender.
No, we do not offer online personal loans to unemployed borrowers yet. However, salaried individuals who earn Rs. 25,000 and above per month can apply for our Personal Loan. Check your eligibility and get disbursal within 24 hours with our paperless process. Our digital companion TIA is available to assist you in completing the digital journey without any hassles.
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