Stock Market Secure Instant Credit Line, Small Personal Loan, Bill Payment & PF Balance Check
With Avail Finance - Credit ATM, you can access money on credit anytime anywhere in the form of cash in your account or by scanning QR to pay any vendor.
Now you can get a small-ticket personal loan for your urgent cash requirement. The requested loan amount is available on the go and can directly be transferred to your bank account.
It is simple to use and has a user-friendly interface that makes it easy for customers to apply for a loan. It also reduces the amount of time and paperwork required in the loan approval process.
Avail Finance partners with NBFCs, licensed by the RBI and is totally safe.
Products/Services
CreditATM -
We offer you a credit option like credit cards in a quick and easy way through a Credit ATM. With instant credit line access, be free from any financial stress. Get lifetime credit with a one-time application on the Avail Finance App. The credit line is up to ₹5000 (upgraded on repayments) with just ₹200 activation fee (once a year).
Use the online credit line app to:
● Withdraw cash into your account with 0% interest
● Scan QR code and pay at any shop
● Pay bills at the end of the month
● Monthly usage charge of only ₹75
● Single repayment date
● Grace Period - 14 days
Personal Loan -
Personal loans service is available to seasoned and active CreditATM users. Instant personal loans are available for a tenure of 90 to 270 days at a low interest rate of 1.25% to 3% per month.
Both salaried & self-employed individuals in India can apply for an instant personal loan in minutes using the Avail Finance app.
So what are you waiting for? Download the Avail Finance instant loan app now.
Bill Payments -
Existing users can pay utility bills using UPI, no signup or separate app required. Pay for electricity bills, water bill, DTH, Cable, LPG booking, FastTag, Mobile phone postpaid bills.
Key Features
● Bill payments
● Instant credit line
● One time documentation
● Small-ticket personal loans (पर्सनल लोन)
● Amounts between ₹1000 - ₹40,000
● Low-interest rates
● Direct money transfer
● No physical verifications or visits
● Easy access & application for your convenience
● Flexible repayment schedule
● 100% digital with minimum documentation
● Improve credit score with every repayment
Eligibility Criteria to Apply for Loan
● Indian citizen
● Between the age of 18-60 years
Documents Required
● KYC documents
● Salary bank account details
● Bank account statements
An Example of an Avail Finance Personal Loan
Loan Amount (Principal): ₹16,062/-
Interest Rate: 2.25% monthly Simple Interest
Tenure: 9 Months
EMI Amount: ₹2,146/-
Total Interest Payable: ₹2,146 x 9 - ₹16,062 Principal = ₹3,252/-
Processing Fees (incl. GST): ₹900 (Processing fee @5.6%) + ₹162 (GST) = ₹1062/-
Disbursed Amount: ₹16,062 - ₹1,062 = ₹15,000/-
Total Amount Payable: ₹2,146 x 9 months = ₹19,314/-
Total Cost of the Loan = Interest Amount + Processing Fees = ₹3,252 + ₹1,062 = ₹4,314/-
APR = 35.8%
Interest, Tenures & Specifications
● Monthly interest rate = 1.25% to 3%
● Processing fees = ₹0 to ₹1500
● Minimum period for repayment = 3 months
● Maximum period for repayment = 9 months
● Maximum Annual Percentage Rate (APR) = 42%
NBFC Declaration
Avail Finance acts as a business agent/service provider for the NBFCs licensed by RBI. The NBFCs which use our service are Vivriti Capital Private Limited, Aadhar India Finvest Limited, NDX P2P Private Limited (Liqui loans), and Kudos Finance and Investments Private Limited.
Data Security
Data security and privacy is a top priority at Avail Finance. We don't share your data with any third party without your consent and all the transactions are secured via 128-bit SSL encryption.
Avail personal loan in minutes|Powered by LenDenClub, An RBI registered NBFC-P2P
InstaMoney is a leading Instant Personal Loan App used by 3 Million+ users in India.
Loan Range: ₹5,000 to ₹25,000
Tenure: 3 months to 5 months (91 days to 150 days)
Interest rates (APR) Range: 24%-35.88% per annum
Example: If loan amount is ₹10,000 & interest is 24% per annum with tenure of 3 months, Interest = ₹10,000 x 24% x 3/12 = ₹600 and Total Amount payable would be ₹10,600 over 3 months. Processing fees vary between Rs. 0 to Rs. 1,250 depending on the loan amount.
Avail an instant personal loan ranging from ₹ 5,000 to ₹ 25,000 on the app and we will transfer cash to your bank account in just 2 hours.
Note: No credit history* required, no prepayment charges and affordable interest rates!
All salaried individuals with a salary of ₹ 12,000 & above can avail an instant cash loan with InstaMoney App! Even the first time instant loan seekers & personal loan applicants are eligible to apply!
Key Features 👌
• Instant loans up to ₹ 25,000
• Flexible repayment tenure from 91 days to 150 days
• No paperwork
• Cash transfer to your bank account in minutes
• No prepayment charges, pay interest only on the amount used
• Advance salary loans at 24%-35.88% p.a. translating to 2% - 2.99% a month
• Lowest processing fees ranging between 0% - 5% of the amount used
• Graduate to the higher loan amount and more products with on-time repayments
⭐️Why InstaMoney is different from any other Instant Personal Loan App?⭐️
- Over 3 million users in India
- Over ₹ 5 Billion (₹ 500 Crores) disbursed in loan amounts already disbursed
- The largest number of personal loans given by any P2P lending platform in India.
- Get instant cash loans for various purposes such as medical emergency, credit card payment, school fee, advance salary etc.
- The approved loan amount can be used to shop online on Amazon, Flipkart, BigBasket or book your tickets on Yatra, MakeMyTrip or any other platform of your choice
- Loan disbursement time varies between 10 minutes to 2 hours
- Apply for a personal loan through the app and payback through the app
Eligibility Criteria 👍
✔Salaried Individuals
✔Indian citizen
✔Between the age of 21 - 45 years
✔Minimum take-home salary per month ₹ 12,000
✔Full salary must be received in the bank account
Only 4 Documents Required 📑
- Selfie
- PAN card
- Aadhaar Card/Address ID proof
- Bank statement
How InstaMoney Instant Personal Loan Works? 📲
Follow the below-mentioned steps to avail the fastest personal loan in India:
1. Log in to the InstaMoney app, check eligibility and pay an assessment fee of Rs. 199 for verification.
2. Upload the required details and documents quickly.
3. Within 10 minutes of your personal loan application, you'll be notified of your approval status. Sometimes, it is real-time as well!
4. Once your personal loan is approved, the loan amount gets transferred to your bank account in 30 minutes.
Operational throughout India: All 28 states and 8 union territories.
Example of an InstaMoney loan:
A customer avails personal loan of ₹10,000 at an interest of 24% p.a., where the processing fees is ₹499 for a period of 5 months, would end up paying ₹11,000 in 5 months. His monthly EMI would be ₹ 2,200.
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