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Processing Fee
This is a one-time charge levied by lenders for processing the loan application. It can be a percentage of the loan amount or a fixed fee.
Applicable Charges
Additional charges like late payment fees, prepayment penalties, or early closure charges can impact the total cost of the loan. It’s important to understand these before committing.
Disbursal Time
The time taken by the lender to transfer the approved loan amount to your account. Faster disbursal can be crucial in urgent financial situations.
Offers and Discounts
Lenders may offer special promotions, like reduced processing fees or interest rate discounts, to attract borrowers. These offers can help reduce overall loan costs.
Current Personal Loan interest rates in India vary across lenders and depend on your financial profile.
No, Personal Loans always come with interest, as lenders charge a fee for providing the loan. However, some promotional offers may reduce the interest for a limited period.
