What are Personal Loans?
Personal Loan is an unsecured credit provided by financial institutions based on criteria like employment history, repayment capacity, income level, profession and credit history. Personal Loan, which is also known as a consumer loan is a multi-purpose loan, which you can use to meet any of your immediate needs

What documents will I have to submit when applying for a personal loan?
The mandatory documents are:
• KYC Documents (PAN Card, and Aadhar Card).
• Bank Statements for at least the last 3 months
• Salary Slips for the last three months.

Eligibility Criteria?
We decide your eligibility based on underwriting criteria.. We use your monthly salary, expenses, credit history, and other factors to calculate your credit worthiness. This limit can be increased, decreased, or locked based on the bank’s credit policies and the details you give on the app about yourself.

Why I should choose Nbfc app?
• Get instant loans from Rs 10,000 up to 1 lakh.
• Get loans directly in your bank account.
• No Prepayment charges.
• Flat processing fee.
• Get Free Credit score and recommendations to improve your score
• Complete digital process for Instant loan, Credit score, Insurance eligibility check and apply.

Will my loan be reported to CIBIL/other credit bureaus?
Yes, your loan and performance of your loan track will be reported to CIBIL, Crif, and other credit bureaus; as per the RBI guidelines. A good loan repayment ensures building a good credit history and score; at the same time, a bad loan repayment with delayed payments and over dues – adversely affects your credit history and score

How long does it take to disburse the loan amount?
Once you submit all the documents the loan is disbursed within 1 working days. An average customer takes 10 hours to 18 Hours to qualify, after opening the app. The speed might vary depending on how fast you can type!

What is the minimum & maximum amount I can borrow?
For Salary Advance loans you can borrow to Rs 1000 to 1, 00,000/-
For Unsecured Loans, you can borrow up to Rs 1 lakhs. However, we recommend that you borrow only the amount you need and are comfortable with. Our system will calculate the maximum amount you are eligible to borrow.


What is the minimum & maximum tenure I can borrow for?
For personal loans you can borrow for up to 6 months.

Is my data safe?
Yes your data is completely safe with us. We use state of the art technology.

Who can apply for a loan on MoneyLoji?
Any Indian individual above the age of 21 years, who is salaried or has a steady monthly source of income, may apply for a Personal Loan through the MoneyLoji Platform.

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Disclaimer 

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