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Bengaluru, India
251-500 Employees
2016
Finnable is a personal loan app developed by Finnable Technologies Private Limited, which is a subsidiary of Finnable Credit Private Limited, a RBI licensed NBFC. Responsible LendingFinnable has partnered with RBI authorised & regulated NBFCs/Financial Institutions.Our policies and services are fully regulated and legally compliant. Finnable is one of the fastest growing financial technology (Fintech) start-up with an NBFC license from RBI providing hassle free loans. Our mission is to make Personal loans available in less than 24 hours. We are one of the fastest-growing financial technology start-ups helping consumers get instant loans online without any hassle. Apply for a loan at Finnable and live limitlessly. After that select your loan amount/ product and the terms or payment period.Finally upload your KYC documents like Adhaar, Pan card and bank statement and you are done. We do offer loans to customers who are 1st-time borrowers which may be customers without CIBIL score as well if it meets our eligibility criteria.
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Featured
Personal Loan
... Personal Loan - Apply for instant Personal Loan online with minimal paperwork. Avail quick personal loan approval upto 10 lakhs with flexible EMI options. ...
Estonia
1-10 Employees
2019
PersonalLoans.com provides an easy and convenient way for consumers to be connected with a personal loan through our network of lenders and the other third-party lender networks we use. Remember that PersonalLoans.com is not a lender or broker and is not involved with any lenders’ loan process. When you use our service, we will also show you offers for other credit-related products or services you may find useful. Always remember that we are not a lender and we are not involved with the loan process with any lenders. When you use our service, we first try to connect you with a lender, either through our direct network of lenders or through our extended network of lenders. In addition, some lending partners in our network may offer lines of credit. Through the lenders in the PersonalLoans.com network and in the other third-party lender networks in our network, you can get needed loan funds quickly, in as little as just one business day. For any shorter-term loans offered by lenders, such as installment loans, the repayment time frame may be less than six months.
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Featured
Personal Loans™ made simple
... Personal Loans™ helps you find a personal loan through our free, advertiser supported loan connecting service. We can also show your information to other lenders and or credit or finance companies like debt relief, credit repair or credit monitoring companies. ...
Gurugram, India
51-100 Employees
2020
We provide access to the best lenders in our country. You may need to provide your bank statement(s) as a proof of your income. Get guidance from our experts who will choose the best lender for you.
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Featured
Get Personal Loan Quickly and Easily.
... Vongaa : Get Personal Loan Quickly and Easily. ...
San Jose, Philippines
11-50 Employees
2016
The recipients are then asked to provide contacts details. By operating digitally and automating processes, we pass the savings on to you by offering lower interest rates and no early repayment fees! Financial institutes tend to offer faster personal loan approval compared to banks. All you require is the borrower's NRIC for Singapore resident and proof of income. Salaried employees can provide a copy of their latest statement, their latest Income Tax Notice of Assessment, or their CPF statements for the past year. Self-employed borrowers must provide their Income Tax Notice of Assessment.
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Featured
What Readers Need to Know About Personal Loans in Singapore
... This Singapore online lending startup offers personal loans up to S$50, ...
Camden Council, Australia
11-50 Employees
1971
Our vision is to be our communities' trusted advisor. In 1971, a group of local miners and truck drivers founded Clutha Employees Credit Union. Created to provide financial services and products to local employees of the Clutha coal mines in Camden, the credit union expanded to serve the needs of the community in 1978 when it became Macarthur Credit Union. As an ethical and transparent member owned financial institution, being an integral and trusted partner in our communities' is a priority.
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Featured
Personal Loan Calculator
... Find out how much your peresonal loan repayments will be with The Mac personal loan ...
Dar es Salaam, Tanzania
51-100 Employees
1963
Founded in 1992, Tunakopesha Financial Services Limited is a non banking microfinance institution that facilitates credit for those in the low income bracket to enriching their quality of life. We are the pioneers in providing credit to this sector in Tanzania. The genesis of Tunakopesha Financial Services Limited was with the support of the Government of the United Republic of Tanzania. We are a non-banking financial institution, providing personal loans for salaried employees and business loans for micro, small and medium enterprises. Tunakopesha Financial Services Limited, a Tanzanian based microfinance institution was founded in 1992, facilitates micro-credits (micro-lending) towards enrich lives of those in need. Tunakopesha financial services limited’s presence can be felt all over Tanzania, through its branch offices, agents or sales consultants in. As the Government was keen to help improve the quality of life of the Civil Servants, it worked and continues to work with the company for this cause. We also partner with private companies that desire their employees to access our service for improving their quality of life.
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Featured
Personal Loans.Business Loans.
... Tunakopesha - Personal & Business Loans ...
Bengaluru, India
51-100 Employees
2016
With SmartCoin, you can get loans from ₹1,000 to ₹1,00,000 within a tenure of 2 to 12 Months at a minimum interest rate of 20% and maximum interest rate of 29.88%. SmartCoin raises Rs 80 crore in debt funding. Fintech platform SmartCoin Financials has raised Rs 80 crore in debt funding from multiple financial institut .. How SmartCoin is disbursing loans and credit services utilizing AI and machine learning. We partner with RBI-registered NBFCs to offer instant personal loans to self-employed and salaried individuals. With a vision to address the concerns of the vast underbanked in India, we are evolving from a micro-lending platform to providing a full suite of offerings, including gold savings, insurance, among others. Instant Personal loans are a great product that caters to the ever-increasing demand for liquidity and funds among individuals without foraying into the space of specialized loans such as auto or home loans, which come with specific guidelines on fund utilization.
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Featured
Leading personal loan and financial solutions platform in India - Smartcoin
... Leading personal loan and financial solutions platform in India - ...
Sydney, Australia
501-1000 Employees
2021
Hiver is here to make banking a little bit better for the betterers'. Hiver isn’t just another bank, it’s a community. That's because Hiver is a division of one of Australia's largest mutual banks, Teachers Mutual Bank Limited. We’re a modern bank with modern technology, built on a foundation of ethical practices and care for each and every Hiver. For more information on compatibility using Apple Pay and Hiver Mobile Wallet please review our Terms and Conditions. For more information on compatibility using Google Pay and Hiver Mobile Wallet please review our Terms and Conditions.
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Featured
Personal Loans
... No matter what your dreams are made of, Hiver's All Purpose Personal Loan has got you covered. ...
Gurugram, India
101-250 Employees
2013
MyLoanCare is a RBI-registered non-banking finance company (NBFC) MyLoanCare Ventures Private Limited that offers 100% digital, paperless and instant personal loans.
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Featured
MyLoanCare- Instant Paperless Personal Loan in India
... MyLoanCare- Instant Paperless Personal Loan in ...
Sydney, Australia
1-10 Employees
2015
Established in 2015 and still going strong with no plans of stopping.
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Featured
Personal Loans
... Often unsecured depending on circumstances, a personal loan may or may not be the right fit. We’ll find out and get you the best rate if so. ...
Technologies which have been searched by others and may be interesting for you:
Some interesting numbers and facts about the results you have just received for Personal Loans
| Country with most fitting companies | United States |
| Amount of fitting manufacturers | 399 |
| Amount of suitable service providers | 473 |
| Average amount of employees | 51-100 |
| Oldest suiting company | 1963 |
| Youngest suiting company | 2021 |
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A personal loan is an unsecured form of credit provided by financial institutions based on criteria such as income level, credit and employment history, repayment capacity, etc. Unlike secured loans, which require collateral, personal loans are granted without the need for backing by physical assets. This financial instrument allows borrowers to obtain funds for various purposes, including debt consolidation, emergency expenses, home renovations, or even to finance a vacation. One of the key characteristics of personal loans is their fixed interest rates, which, combined with a predetermined repayment period, simplifies budgeting by offering consistent monthly payments. This feature distinguishes personal loans from credit cards, which often have variable rates and open-ended repayment schedules. The flexibility and accessibility of personal loans make them a popular choice among consumers seeking immediate funding without the need for collateral. However, the interest rates and terms can vary significantly based on the borrower's creditworthiness, highlighting the importance of a strong credit profile. In the broader financial landscape, personal loans play a crucial role by providing an avenue for financial relief and flexibility, thereby aiding in the management of personal finances and contributing to economic mobility. Their impact extends beyond individual borrowers, influencing the consumer credit market and overall economic health by stimulating spending and financial activity.
1. Flexibility and Versatility
Personal loans stand out due to their versatility. Unlike auto loans or mortgages that serve specific purposes, a personal loan can be used for a myriad of financial needs, from consolidating debt to financing a wedding or covering unexpected medical expenses. This flexibility allows borrowers to manage their finances more effectively, tailoring the loan to their particular situation.
2. Fixed Interest Rates and Predictable Payments
One significant advantage of personal loans is their fixed interest rates, which means the monthly payments remain consistent throughout the loan term. This predictability makes budgeting easier, as borrowers know exactly how much they need to allocate for their loan repayment each month, without worrying about fluctuating interest rates impacting their repayment amount.
3. Quick and Convenient
The process of obtaining a personal loan is typically faster and less cumbersome than securing a mortgage or a home equity loan. Many lenders offer online applications, which means you can apply from the comfort of your home and receive a decision quickly. For those in need of funds urgently, this efficiency can be a crucial benefit.
4. No Collateral Required
Unlike secured loans, which require collateral such as a home or car, most personal loans are unsecured. This means borrowers don't need to pledge assets to qualify for a loan, making personal loans accessible to a wider range of individuals, including those who may not own substantial assets.
While evaluating the different suppliers make sure to check the following criteria:
1. Interest Rates
Compare the interest rates offered by various suppliers to ensure you're getting a competitive rate. Lower rates can significantly reduce the overall cost of the loan.
2. Repayment Terms
Check the flexibility in repayment terms. Suppliers that offer various term options can provide a more tailored financial solution to meet your needs.
3. Fees and Charges
Understand all associated fees, including origination fees, late payment fees, and prepayment penalties, to avoid unexpected costs.
4. Eligibility Requirements
Review the eligibility criteria closely. Some suppliers may have stricter requirements that could affect your qualification odds.
5. Customer Service
Consider the quality of customer service. Efficient and responsive customer support can be invaluable, especially when dealing with financial issues.
6. Loan Disbursement Time
Evaluate how quickly the supplier can disburse the loan. Faster disbursement means quicker access to funds when you need them.
7. Online Reviews and Reputation
Research the supplier's reputation through online reviews and testimonials. A reputable supplier is more likely to provide a reliable and satisfactory service.
Personal loans, typically perceived as financial tools for individual needs, also find substantial applicability in the B2B sphere, notably in bridging liquidity gaps. Small businesses often leverage personal loans to manage cash flow during slow seasons or to cover unexpected expenses, ensuring operational continuity without diluting equity. This use case is particularly prevalent in the retail and service industries, where seasonal fluctuations can significantly impact revenue. Another significant application is in funding startup costs. Entrepreneurs in sectors like technology and healthcare frequently use personal loans as a means to finance the initial stages of their ventures. This approach allows them to retain full ownership while accessing the capital necessary for product development, market research, and other preliminary activities. Personal loans also serve as a stopgap for businesses awaiting payment on invoices. In industries such as manufacturing and wholesale, where payment terms can extend beyond 60 days, a personal loan can provide the working capital needed to keep operations running smoothly, invest in inventory, or even take advantage of growth opportunities. Lastly, personal loans offer a viable option for small businesses looking to invest in marketing or expansion efforts. Instead of pursuing more substantial, long-term financing options, a personal loan can provide the immediate funds needed to launch a new product line, expand into new markets, or ramp up promotional activities, thereby fueling business growth with a flexible and accessible financial solution.
The concept of personal loans, as a financial service, operates at a Technology Readiness Level (TRL) that can be considered mature, aligning closely with TRL 9. This high level of technological maturity is primarily due to the integration of advanced digital platforms and algorithms in the loan processing and management systems. Over the years, the financial industry has witnessed a significant transformation, moving from traditional, paper-based loan application processes to streamlined, digital interfaces that allow for quick application, processing, and disbursement of personal loans. The advent of fintech has further propelled this sector into the digital age, with technologies such as artificial intelligence and machine learning being employed to assess creditworthiness more accurately and to personalize loan offerings. Moreover, blockchain technology has begun to play a role in enhancing the security and transparency of these transactions. The seamless user experience, coupled with the efficiency and accuracy provided by these technological advancements, underscores the high TRL of personal loans today. Additionally, the widespread adoption and integration of these technologies across global financial institutions indicate a robust, reliable, and evolved technical foundation, confirming the sector's position at the pinnacle of technological readiness.
In the Short-Term, advancements in AI and machine learning algorithms are set to revolutionize the personal loan sector. Lenders will leverage these technologies to provide instant loan approvals and personalized interest rates, vastly improving the customer experience. Enhanced data analytics will also enable more accurate risk assessment, reducing default rates and fostering a more secure lending environment. Looking into the Mid-Term, blockchain technology will begin to play a significant role. Its incorporation will ensure greater transparency and security in personal loan transactions. Smart contracts will automate the loan agreement process, making it faster and reducing the potential for human error. Moreover, blockchain will facilitate peer-to-peer lending platforms, offering borrowers more competitive rates and diversifying the lending ecosystem. In the Long-Term, the integration of quantum computing is expected to transform the personal loan landscape. With its superior processing power, quantum computing will enable the analysis of vast datasets in real-time, further refining risk assessment models and loan customization. This era will also witness the emergence of new financial products that are currently unimaginable, driven by unparalleled computational capabilities, enhancing both the efficiency and accessibility of personal loans.
Some interesting questions that has been asked about the results you have just received for Personal Loans
What are related technologies to Personal Loans?
Based on our calculations related technologies to Personal Loans are Education, Engineering Services, IT & Technology Services, Healthcare Services, Consulting
Which industries are mostly working on Personal Loans?
The most represented industries which are working in Personal Loans are Financial Services, Lending and Investments, Information Technology, Professional Services, Others
How does ensun find these Personal Loans Companies?
ensun uses an advanced search and ranking system capable of sifting through millions of companies and hundreds of millions of products and services to identify suitable matches. This is achieved by leveraging cutting-edge technologies, including Artificial Intelligence.
