vCard – Mobile Credit Card vs NextFin: Instant Loans Uso e estatísticas
vCard is a Mobile Credit Platform. vCard partners with Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) for credit line products known as PINCAP https://www.pincap.in/our-partner .
Activate Cash in Your Mobile Now
vCard is your One-Stop Finance App for On-Demand credit. Use it as Credit Card, use it as cash, and use it as a Personal Loan. Instant Approval,
Digital Documentation, Zero Joining Fees. Contrast to 15 day+ processes for Plastic Credit Card.
Get vCard Credit Line issued by Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) known as PINCAP.
● Paperless KYC application.
● Zero processing charges and Zero Annual Fee.
● 3 - 3.5% per month roll over interest.(36% to 42% APR)
● 0 – 30 day Interest-free period depending on Credit Score and Monthly Spend.
● Up to Rs. 60,000/- credit limit.
● Pay at your convenience there are no prepayment charges.
● Option to convert the loan into monthly installments (EMI) of 3, 6, 9 months depending on the principal amount @24% and 2% conversion charges.
● Finance Charges reduce based on credit score and spend history.
● Personalized offers on Food, Shopping, Entertainment, Online Spend etc.
Minimum and maximum period for repayment
Tenures for EMI
Minimum: 3 months Maximum: 9 months
Sample calculation in case the loan is converted to an EMI:
For Loan of ₹5,000 of 3 month tenure with interest rate @24% per annum
One time Processing fee @2% of Principal = ₹100
Monthly payment/EMI = ₹1733.77
Amount paid back in 3 EMIs= ₹5201.31
Total interest on the 3 EMI= ₹201.31
Total interest + processing fee = ₹301.31
GST (applicable @18% on fees) : Rs 18.00
Total amount to be paid by customer i.e. principal + interest + fee + GST= ₹5319.31
AI in Credit
vCard also has a First-of-its-Kind Chat-based Credit Card Support on WhatsApp or reach out to us at hi@vcard.ai
Now you don’t have to spend long hours waiting to connect to customer support or listen to the monotonous flute music. Just reach out to Bot + Human support through the vCard app.
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NextFin is the brand name of Amar Amba Finance Hire Purchase Pvt Ltd (an RBI registered NBFC, established in 1997) where we provide unsecured personal loans upto Rs 50,000 and secured loans upto Rs 5 crores via our app.
Why NextFin?
1. An RBI registered NBFC established in 1997
3. Apply for Secured & Unsecured Loans
4. Complete digital process for Loan eligibility check and apply instantly
5. Get loans from ₹5,000 onwards directly in your bank account
How to apply for an easy loan with NextFin?
1. Download NextFin app & Login
2. Fill in your basic profile details
3. Provide employment history, home & office address details
4. Select the type of loan, amount & tenure
5. Upload the required documents
6. Approval will be communicated within 48 working hours
7. Loan agreement is signed (digitally or physically)
8. Loan is disbursed
Loan Products:
* Unsecured Loans: Personal Loans, Education Loans, Business Loans (Pan India)
* Secured Loans (Currently only servicing in Delhi NCR region): Loan against Property (Up to 70% financing), Mortgage Loans, Gold Loans (Up to 60% financing), Bike (Up to 70% financing) & Car Loans (Up to 80% financing)
1. Unsecured Personal Loan - A flexible loan option for salaried professionals. All you need is your PAN Card, Salary Proof & Address Proof to avail ₹5,000 to ₹50,000 for a tenure ranging from 90 days to 6 months.
Fees, Charges & Tenure
- Amount: ₹5,000 to ₹50,000
- Processing Fees: 6% + 18% GST
- Tenure: 90 days - 6 months
- APR: 18% - 36% (depending on risk profile)
- Sample: A Salary Advance loan of ₹30,000 for a tenure of 90 days at an interest of 0.1% per day (36% APR) will result in total cost being ₹33,942 (including processing fees ₹2124, principal amount of ₹30000 and interest amount of ₹1818) for a monthly instalment of ₹10606 for 3 months.
- Penalty charges of 0.6% per day & Bounce Charges of ₹750 on non-repayment of EMIs. Loans can be foreclosed after 3 months.
2. Secured Personal Loan - A personal loan option where you can avail amounts of upto ₹5 crores against collateral. We provide Gold Loans, Loan against Property, Mortgage Loan, New Car Loans, Used Car Loans and Bike Loans.
Fees, Charges & Tenure
- Amount: ₹50,000 to ₹5,00,00,000
- Processing Fees: 5% + GST
- Loan Tenure period: 3 months - 10 years
- Annual Percentage Rate: Starts at 12% depending on risk profile and collateral provided
- Sample: A Secured Loan of ₹1,00,000 for a tenure of 12 months at an interest of 18% APR will result in total cost being ₹1,15,916 (including processing fees ₹5900, principal amount of ₹1,00,000 and interest amount of ₹10,016) and a monthly installment of ₹9168 for 12 months.
- Penalty charges as applicable & Bounce Charges of ₹1000 on non-repayment of EMIs and Zero prepayment charges for loans.
Privacy Policy
Please read our privacy policy mentioned here to know how we handle your data https://www.nextfin.in/privacy-policy/
We only provide loans through the RBI registered NBFC - Amar Amba Finance Hire Purchase Pvt Ltd
Contact Us:
Mail us on support@nextfin.in
Call us on +918447804814
(Mon-Sat 10:00 AM - 6:00 PM)
Address: Plot no 1536 B, Saraswati Kunj, Near South Point Mall, Sector 53, Gurugram, 122002
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vCard – Mobile Credit Card VS. 
NextFin: Instant Loansjaneiro 6, 2025