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Empowering Financial Freedom and Trusted Solutions
We are committed to helping you achieve your financial goals and dreams. Our loan services are designed to provide you with the support and resources you need to take control of your finances and embark on a path towards prosperity.Our experienced team of financial experts is dedicated to understanding your unique needs and finding the best loan solutions that align with your goals. Whether you're looking to fund a new business venture, consolidate debt, purchase a new home, or cover unexpected expenses, we've got you covered.
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We believe in transparency, and that's why we offer competitive interest rates and flexible repayment options. Our user-friendly loan management platform makes it easy for you to monitor your loan status, make payments, and stay on top of your financial journey.
- Flexible Repayment : Customize your loan with easy payment plans.
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- No Hidden Fees: Transparent loan terms, no surprises or extras.
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Flexible Repayment : Customize your loan with easy payment plans.
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Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
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PERSONAL LOAN
PERSONAL LOAN98.24%
Interest Rate- Take Minimum ₹11,000.00 INR
- Take Maximum ₹20,000.00 INR
- Per Installment 16.52%
- Installment Interval 30 Days
- Total Installment 12
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Cities Across India
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Moneywallet is India’s leading loan distributor, facilitating a wide range of financial products including Home Loans, Personal Loans, Business Loans, Loans against Property, Education Loans, Credit Cards, Gold Loans, and more, along with Insurance.
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Our Latest Blog
03
Aug
How to Improve Your Credit Report in 2025
In simple words, Credit profile is the history of a person’s financial life. Taking care of your credit profile will define your future credit requirements. Through your credit profile, a credit score will be generated. This score is out of 900. Higher the score, better it is for you. If you have a score that is on the higher side, getting any type of a loan, whether it is an instant personal loan or the best credit card would not be a problem.What happens when your credit score is bad?If your credit score is on the lower side, then it can have a harmful impact on your prospects of getting an instant personal loan or the best credit card.What should you do in case your credit score is bad?If your credit score is bad, that means you have either defaulted on payments, not paid bills on time and have unpaid debts on your name. Every negative strike on your profile will affect you in a very bad way. You must immediately resort to improving your credit score. Doing this will be a long time procedure and in time will help you clean your credit report and credit worthiness.How can you improve your credit score in 2025?It is very much possible to improve your credit score in 2025. By following these few basic steps, you can move on the path of improved credit worthiness.Clear your older debts first:This point does not mean that new debts taken are less important. But your prime importance would be to close your older debts which are more than 3 months old. Clearing them would stop the negative impact it has on your credit score. In case you feel you can make the payment within few weeks, then it will be wise to discuss this with the lender and ask them for some extra time to repay them. Asking for extra time will hold the negative impact on your credit profile.Settle all debts:Apart from clearing your older debts, it is also important to settle debts which are old and getting costlier with each passing day. In case you cannot repay it fully, you can talk to your bank and ask to settle the debt. Yes, this is a possibility and if the bank agrees, you can get the debt settled and written off. Of course this would be mentioned on your credit profile but most importantly banks will understand that you do repay all your debts.Auto-Payment schedule:One last attempt you can make to ensure all debts and bills are paid on time after clearing and settling your older debts is to keep an auto pay schedule. Through this, the discipline to repay your debts will get better and no default will take place. Your only concern here would be to ensure there are enough funds on the day of the auto pay.Please note that improving means this is a continuous process and hence you must always keep paying your bills on time and not default anytime on personal loan payments or credit card bill payments. Improve your credit worthiness and this will ensure your future financial life will be more stable.
03
Aug
Cheaper And Better Alternatives To Personal Loans
When you need quick and easy access to finances, personal loans seem to be the best way out. This is because personal loans do not require any collateral or guarantor and are usually disbursed within 72 hours if your loan application is sanctioned. As easy as it seems to access personal loans, you must however know that the cost of borrowing or the rate of interest that you are required to pay on such loans is pretty high between the range of 24-45% flat.The rate of interest is determined by your credit profile and CIBIL score and several other factors such as your income, how much of debt you already have, the reputation of your employer, the length of your service and others to mention a few. Your CIBIL score serves as a barometer of your credit service track record and is a major determinant of the interest rate you are required to pay on a personal loan.If you have been regular with your credit card repayments and maintain basic financial discipline, your CIBIL score should be in the range of 750 and above (out of 900) which is considered satisfactory. If your CIBIL score is lower than this level, your loan application for loan may either get rejected or you may be required to pay a higher rate of interest between 25-45% flat, which needless to say is pretty high. If you do not want to borrow money at such a high rate of interest and yet need the funds, here are some other options you may consider:Loan Against PropertyIf you are property owner in India, your financial woes may be addressed by a loan against property. If you need a loan amount that is upwards of Rs. 5 lakhs, a loan against property will suffice for you. Banks offer loans against residential or commercial property and that can range between 60-80% of the market value of the property and the interest rates and is offered for a tenure of 3-5 years. The interest rates on such loans range between 11-14%.Top Up LoanIf the amount of loan you require is not that high, you can also consider a top up loan on your existing home loan. Such loans are usually offered after you have already established a service track record with your existing lender. In other words, you can apply for such a loan after you have established a repayment track record of at least a year with your existing home loan lender. These loans are available at 0.25-1.25% over the current prevailing home loan rate and have a maximum tenure of 15 years. The loan amount is usually capped at Rs. 5 lakhs by most banks.Gold LoanGold loans are one of the fastest and easiest alternatives as compared to a personal loan and are available at an interest rate of 12-15% against gold ornaments, coins or any other form of physical gold. There are several gold loan institutions today where you can access a gold loan of anything between Rs. 10,000 to 15 lakhs easily for a short term of up to 12 months. Several banks offer gold loans too. All you have to do is to approach one of these lending institutions with your physical gold for an assessment. Based on their assessment you are likely to get a loan of up to 80% of the value of your physical gold instantly with minimal documentation.Loan Against Other Investments- FD/LIC Policies And SecuritiesWhen you are in dire need of funds, you may also consider taking a loan against your existing investments. Here are the main features of a couple:Loan Against FD Or An Overdraft Facility1. Value – Loans can be availed up to 85-90% of the value of the FD2. Rate of Interest – Interest rates are usually 1-2% higher than the rate of interest the bank is offering you on the FD3. Tenure -You can opt for any tenure so long as the tenure does not exceed the maturity dateLoan Against Securities1. Value – Loans can be availed up to 50-60% of the value of securities. Loan amount can be anything between Rs. 1-20 lakhs2. Rate of Interest – Interest rate range between 13-16%3. Tenure – Initially you can get a loan for one year and renew it as per your requirement.Similarly, you can take a loan against your other existing investments such as mutual fund units, insurance policies, national savings certificate (NSC) and even insurance policies. Taking a loan against these securities is a much more prudent thing to do rather than selling them of in haste when you are in dire need of funds. Thus as you can see, taking a personal loan need not be your only resort when you need funds urgently. All you need to do is to have a calm head over your shoulders and decide which is the best option for you. If you still think you cannot #BorrowRight, we at Moneywallet are at your service.
03
Aug
5 Reasons to Take a Personal Loan for Medical Emergencies
Medical emergencies can arise unexpectedly, creating a financial burden that can be challenging to manage. To overcome this situation, one of the most effective strategies for addressing such unforeseen expenditures is to apply personal loan online.This article will explore five compelling reasons to consider a Personal Loan for Medical Emergencies.Five Major Reasons Why You Should Consider a Personal Loan for Medical Emergencies1. Quick Access to Funds:They pay a lot of attention to time, especially when a patient has to be rushed to the hospital. Medical emergency personal loans allow the concerned party to get quick access to the required amount to sort out the medical emergency and do not require funds. Unlike other financing forms such as car loan, etc., which may take a lot of paperwork and time to get approved and the funds are released, a personal loan in India can be approved and disbursed quickly. It is also beneficial for critical medical circumstances because you know you have the money required to pay the hospital or clinic bill, surgery, or the fees of a doctor, medicine, and other essential things.2. Flexibility in Usage:An added advantage of personal loans is the flexibility of use. Yes, you can use the money from a personal loan for medical needs, including expenses for all forms of medical treatment included in the loan. This offers the opportunity for extensive treatment, with possibilities covered in hospitalization, surgery, medicines, or follow-up treatment. It also allows having financial variants for different expenses connected with the patient, such as continual treatment at home.3. Lower Interest Rates Compared to Credit Cards:Based on the results, although the cost of personally borrowed funds in terms of interest is higher than credit card interest rates, it is inexpensive to finance such medical procedures. Unforeseen medical emergencies are costly, and high-interest-rate credit cards are expensive to meet these emergencies. Personal loans are available with an interest rate compounded annually, and the costs will be relatively low in the future. They help bring about a much simpler process of satisfying the conditions for financial stability by removing most high-interest payment obligations.4. No Requirement for Collateral:Since many personal loans are unsecured, many do not require you to put your car or house on the line, hence the name – collateral-free. This becomes especially useful during health complications where one cannot secure any loan like personal secured loans. The lack of collateral increases the time factor, which is evident when a loan is sought and processed, hence the effective disbursement of funds. Besides these, personal loans do not require security; therefore, you do not risk losing your important property when struggling to complete the repayment.5. Improve Your Credit Score:Thus, taking a personal loan and repaying it on time will be beneficial, although the overall effect on credit scores will depend on the specific strategy used. Early reimbursement implies that credit has been taken responsibly to repay them, which is favorable to credit rating companies. Therefore, keeping a high credit standing improves the overall financial position and the likelihood of obtaining a better credit deal next time. In the case of medical conditions, this implies the availability of improved credit terms regarding your financial security in case of any other similar event in the future, hence the more extraordinary and continuous ability to await vulnerability to medical costs.Final Words!During medical emergencies for personal loans with Moneywallet, the necessary cash can be obtained quickly and without complications. It has a short approval time, the possibility to use the money for any purpose, lower interest rates, no need for collateral, and a positive impact on the client’s credit history – all these make Moneywallet a perfect assistant in managing unforeseen healthcare costs.
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