Personal Loan

Personal Loan in Guntur

Guntur is one of Blooming city of Andhra Pradesh. Guntur is considered to be a city of the aspiring foundation of learning and an administrative capital district. The city is also a hub for various activities such as business and commerce, industry and agriculture.

Key Features for Availing a Personal Loan

- Personal Loan Amount:
We can avail a loan up to an amount of Rs2.5 lac

- Minimal documentation:
Meeting the eligibility criteria and thereby adhering to all the procedure. It is a simple process with the least documentation required.

- Lower EMI
People have the option of paying a lower rate of EMI.

- Flexible Tenure
Such a loan option comes as a flexible option. The loan takers have an opportunity to pay back the loan within 12 to 60 months.

- Collateral-free loan
This adds as the best benefit of a Personal Loan as it does not require any collateral.

- Instant online approval
Apply Online and get quick approval of the loan

- Quick transfer of Money into the Bank
Money is something which will be transferred to the bank account within 24 hours.

- Online Customer Support
With the impact of the latest technology, a customer can have access to all the valuable information through an online portal. Also, there is a service of customer support for continuous help.

- Transparency
Apply-Loan works with honesty and transparency. There is no kind of hidden charges.

- Pre-approved offer
It is a simple, quick and easy process

Different Banks and their Interest Rates

BanksInterest RateProcessing FeePre-Payment Charges
HDFC Bank(10.99 – 20.75)%0.8% – 2.00%4.00%
Standard Chartered(11.50 – 14.50)%Up to 1%Upto 5.00% of loan amount
Bajaj Finserv(11.99 – 16.00)%Upto 2.00%Upto 4% post 1st EMI clearance
ICICI Bank(11.70 – 18.85)%1999 to 2.50%Zero or 5.00%
Axis Bank(11.25% to 24.00)%2.00%Nil
Kotak(11.50 – 20.00)%1.5 – 2.00%5.00%
Fullerton India(14.00 – 33.00)%2.00%Upto 7.00%, 0% after 3 year

Why Us?
Many of us have many dreams in our lives. A loan helps us to fulfil our vision. Personal Loan is one such medium that can offer an easy and quick-fix solution. We have worked with many clients.

We understand and thereby adhere to the requirements of the people. At Apply-Loan, we provide you with good deals.

Also, we have a team of financial advisors who guide with the entire process and resolve all queries.

Eligibility Criteria

  • Set of factors that make the borrower eligible:
  • Income
  • Employment
  • Continuity of Business

Let us highlight the two major categories:


Metro city: Minimum Salary required is Rs15,00 Per Month

Other Cities: Minimum Salary is Rs12,500 Per Month

#Self Employed

Metro city: Minimum Itr is Rs150000/-

Other city: Mimum Itr is rs150000/-

Documents Required:

Identity proof
Passport/Driving License/Pan card along with the signature of the concerned person

Age Proof:
Pan card, Passport, Driving license

Income Proof
Latest Salary slip

Job Continuity Poof
Relieving Letter/Appointment letter

Banking history:
Bank Statement of last two months/3Months- passbook

Some Factors To consider while applying for a Personal Loan

Know your Purpose

  • Plan your Budget
  • Cost-Benefit analysis
  • Red the Terms and conditions carefully
  • Taking insurance for Payment Insurance
  • Proper Updating of all information
  • It is also preferred to choose a flat rate of interest. This means opting for a reducing balance method is a good example.
  • Also, keeping a short tenure of loan say 1-3 yr. is advisable
  • Amount paid should not be more than 25 % of salary

Apply-Loan is the trusted platform for serving customers and entailing their needs by offering them a Personal Loan.

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