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01. Business Loan

A Business Loan is a loan taken to fund business requirements such as working capital, expanding operations, adding equipments, inventory, sponsoring events, projects, hiring staff, wages, etc.

At whitemoneyloan, you can compare top offers from banks/NBFCs for unsecured business loans. You can apply online for the schemes. The lowest interest rate is 11% by Axis Bank, followed by 11.20% by State Bank of India. The lowest EMI per Rs. 5 lakhs for 60 months tenure is 10,871

Eligibility criteria

Age limit: 22 to 60 years

Minimum CIBIL score: 600+

Documents

KYC Documents

Address proof

Photograph

Form 16/ latest salary slips

Bank account statements of the last 3 months

fee and charges

Interest rate – 9.00%** onwards

Processing fee - Up to 2.00%

Penal interest: 2% per month + applicable taxes

EMI bounce charges – Rs. 300

Features

Loans up to Rs. 5 Lakh

Easy balance transfer facility

Quick approval

Flexible tenor

Minimal documentation

02. Gold Loan

A gold loan or loan against gold is a loan provided by banks or NBFCs against the gold jewellery submitted by borrower, as collateral. You can pledge gold ornaments and only bank-purchased gold coins. The funds can be utilized to fulfil any financial needs. You can take loan for travel trips, wedding expenses, home repair, vehicle purchase, education, shopping essentials, medical expenses, etc.

The gold in question must be 20 carats and above. Loan is not provided on other forms of gold such as gold bar, biscuit, wires, etc. This loan is secured, where gold is kept as collateral until you do not repay the loan completely (principal amount + interest amount). Financial institutions offer triple-layered security to the gold, without any charges. In case of non-repayment the bank/NBFC has the right to keep the gold with itself.

Eligibility criteria

Age limit: 22 to 60 years

Minimum CIBIL score: 600+

Documents

KYC Documents

Address proof

Photograph

Form 16/ latest salary slips

Bank account statements of the last 3 months

fee and charges

Interest rate – 9.00%** onwards

Processing fee - Up to 2.00%

Penal interest: 2% per month + applicable taxes

EMI bounce charges – Rs. 300

Features

Loans up to Rs. 5 Lakh

Easy balance transfer facility

Quick approval

Flexible tenor

Minimal documentation

03. cash Loan

Small Cash Loan or Immediate cash loans is a financial product offered by whitemoneyloan. It is an unsecured short-term personal loan, where you as a borrower can avail an amount between Rs. 10,000 and Rs. 50,000 (Rs. Fifty Thousand).

This loan facility is only available for salaried individuals. It is a multipurpose loan, and you can use the funds for expenses such as a medical emergency, home repair, travel trip, an important festive event, fees for an educational course, purchase of a gadget, and many more. Thus, a small cash loan is a perfect solution to meet all your unexpected expenses and urgent cash needs.

NOTE: whitemoneyloan is a direct lender of this product. Currently, Small Cash Loan is available in Mumbai, Pune, Delhi, Gurgaon, Noida, Bangalore, Chennai, Hyderabad, Kolkata, Jaipur, Indore amongst other major cities.

Eligibility criteria

Age limit: 22 to 60 years

Minimum CIBIL score: 600+

Documents

KYC Documents

Address proof

Photograph

Form 16/ latest salary slips

Bank account statements of the last 3 months

fee and charges

Interest rate – 9.00%** onwards

Processing fee - Up to 2.00%

Penal interest: 2% per month + applicable taxes

EMI bounce charges – Rs. 300

Features

Loans up to Rs. 5 Lakh

Easy balance transfer facility

Quick approval

Flexible tenor

Minimal documentation

04. Credit & Debit Card

A credit card is basically a plastic card provided/issued by banks. It allows you to borrow money from the provider to purchase whatever you want, be it a flight ticket, food, gadget etc. At the end of the billing cycle, you have to repay the principal amount borrowed along with the interest amount. It can be used for both offline and online purchases.

Thus through credit card, you can manage your urgent expenses without having to worry about cash-flow or having hard cash at hand. You can apply online for a credit card and receive the same within a day or two. Many banks offer benefits on credit cards, such as welcome gifts, exclusive privileges, rewards, airport lounge access, fuel surcharge waiver, lifestyle and travel facilities, air miles, cash-back, etc. At whitemoneyloan, we will provide you maximum information about different types of credit cards and its providers, and acquaint you with the features and benefits of these financial products.

Eligibility criteria

Age limit: 22 to 60 years

Minimum CIBIL score: 600+

Documents

KYC Documents

Address proof

Photograph

Form 16/ latest salary slips

Bank account statements of the last 3 months

fee and charges

Interest rate – 9.00%** onwards

Processing fee - Up to 2.00%

Penal interest: 2% per month + applicable taxes

EMI bounce charges – Rs. 300

Features

Loans up to Rs. 5 Lakh

Easy balance transfer facility

Quick approval

Flexible tenor

Minimal documentation

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