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wefin Vs. IndiaLends - Instant Loan App

wefin vs IndiaLends - Instant Loan App Uso e estatísticas

Highlights of Personal Loan app Users can apply Personal loan starting from (Minimum)₹ 1 Lakh up to ₹15 Lakh (Maximum), is available for Salaried as well as self-employed individuals at affordable interest rates from wefin loan app without pledging any collateral and documentations and get quick disbursal digitally. Salient features of instant personal loan: • Loan Amount ranging from: (Minimum)₹ 1 Lakh up to ₹15 Lakh (Maximum) • Repayment Tenure: from 3 Months to 72 months • Rate of Interest / Annual Percentage Rate (APR): 12% to 34% Note: Interest rate and processing fees varies as per the products. Example of a Personal Loan at wefin: For ₹1,00,000/- borrowed, at interest rate of 12% p.m. for 24 months (interest rate on reducing balance method), payable amount would be: Processing fee (@2% of Loan Amount) = ₹2000 + Applicable GST Other charges (Stamp Duty) = ₹100 Interest = ₹12976.33 Total amount repaid after 24 Months = ₹1, 12976.33 *Interest rate and processing fees varies as per the products. Highlights of Two-Wheeler Loan app Users can apply Two-Wheeler loan up to 100% LTV, is available for Salaried as well as self-employed individuals with fixed Loan amount, EMI and Tenure w.r.t two-wheeler models from wefin loan app without pledging any collateral and documentations and get quick disbursal digitally. About Insurance from wefin App. wefin app has a features of purchase insurance along with loan that covers such as Health and medical insurance. Introducing wefin, a one-stop solution for all types of loans, Personal loan, Two-wheeler, and many more to come. wefin App, users can instantly apply for two-wheeler and personal loans for diverse needs such as marriage, travel, and even medical needs. The user can also calculate tentative EMI’s by using our product EMI Calculators. What’s new? • wefin is 100% Digital process to get instant loans to customer’s account with paperless approach. • wefin app is available for everyone. Sign-up or Log-in and explore the all-new features of the app. • You can also use wefin app for Loan re-payments digitally. • wefin is multi-lingual app - available in English and हिन्दी. • Use EMI calculators to calculate tentative EMI details for respective products. Features of wefin app: • Instant Loan approval on the go via in-built AI based decision engine. • No guarantee or security or collateral required. • Attractive Interest rates. • View and manage your active loans, make loan payments, download statements on one click request. • Access information on your closed loans. • On demand service request via App for NOCs and change contact and addresses. • Pay EMIs, part pre-pay or foreclose loans and access information on future payments through the app. • EMI calculators for Personal loan. Additional Information from Security Perspective: wefin app may collect information with user’s consent from their mobiles like device location, device information, transactional and promotional SMS, communication information including contacts to provide customized offerings to control fraudulent activities. The wefin app is highly secured and tightly integrated with “RazorPay” (Refer: https://razorpay.com/responsible-disclosure/) w.r.t user’s re-payment transactions, so that users can get a safe and secured transaction via wefin App

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IndiaLends - Instant Loan App

IndiaLends is an online marketplace for credit products and offer free credit report, range of credit cards and personal loans from different Banks and NBfcs. IndiaLends offers instant personal loans to its customers with most products being fully digital. IndiaLends also provides technology, data and credit analytics solutions along with a loan management platform to financial institutions. IndiaLends is run by a team of credit risk professionals and data scientists with multiple years of experience in consumer credit. Product features: Personal loan Get personalized personal loan offers up to ₹25 lacs at interest rates starting 10.25% for a tenure ranging from 1 year to 5 years. The app selects the best suitable Banks/NBFCs offering minimal interest rate and easy approval based on your personal loan eligibility. IndiaLends has associations with over 50+ banks and NBFCs including BAJAJ FINANCE LIMITED, IDFC FIRST Bank Limited etc. Personal Loan Eligibility Age - 18 years - 60 years Employment Type - Salaried/Self-Employed Minimum Net Income (monthly) - ₹10,000 Work Experience - Salaried for at least 6/12 months or Self-Employed for at least 3 years Tenure: (Min) 6 to (Max) 60 months Interest Rate ranging from 10.25% to 25% depending on customer’s credit and risk profile Representative Example With a representative 25% APR based on borrowing ₹ 5 lacs and repaying over 60 months with 60 monthly repayments, the monthly repayments will be ₹ 14,676 which can be paid within a tenure of 60 months. The total payout here would be: Principal Amount – Rs 5,00,000 Interest Charges (@25%): Rs 3,80,540 Loan processing Fee (@2%): Rs 10,000 Documentation Charges: 400 Amortization Schedule charges: 150 Total cost of the loan: Rs 8,91,090 Our Lending Partners: Clix Capital Services Private Limited PaySense Services India Private Limited Axis Bank Limited BHANIX FINANCE AND INVESTMENT LIMITED Piramal Capital & Housing Finance Limited Whizdm Innovations Private Limited’s LENDINGKART Finance Limited Rupeek Fintech Pvt Ltd Ruptok Fintech Pvt Ltd Flat White Capital Pvt. Ltd. Tata Capital Financial Services Limited BAJAJ FINANCE LIMITED Bridge Fintech Solutions Private Limited HDFC Bank Limited ICICI Bank Limited Kotak Mahindra Bank Limited YES BANK Ltd IndusInd Bank Limited InfoCredit Services Private Limited Kisetsu Saison Finance India Private Limited IIFL Finance Limited InCred Financial Services Limited L&T Finance Limited Ditya Finance Private Limited Finnovation Tech Solutions Pvt. Ltd. SOCIAL WORTH TECHNOLOGIES PRIVATE LIMITED Maybright Ventures Pvt. Ltd. MWYN Tech Private Limited IDFC FIRST Bank Limited Citi Bank India Limited Standard Chartered Bank PLC State Bank of India Freecharge Payment Technologies Private Limited *Please note the processing fee can vary from 1.5% - 6%. The figures provided are indicative and subject to change from time. * However, in case of change of payment mode or any delay or non-payment of EMIs, additional charges / penal charges may also be applicable, depending on the lender's policy Credit Card With the IndiaLends app, get credit card suggestions from 40+ options and select the credit card that best suits you. Some of the credit card providers associated with us are ICICI Bank, HDFC Bank, American Express, SBI, Kotak Mahindra Bank, Citibank, RBL and Yes Bank. Free Credit score / Cibil Score At IndiaLends app, check your free Credit Score / Cibil Score worth ₹1200 and get a detailed analysis of your credit report / Cibil Report and tips to improve your score. Our latest feature allows you to refresh your credit report and know why your credit score has changed.