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stucredloanapp · 2 months

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A Complete Guide to Digital Loan Apps in India

Finance landscape is evolving and digital loan apps in India have emerged as a game-changer, especially for college students. These apps offer quick, hassle-free access to funds, catering to various personal financial needs. Let’s go through this comprehensive guide to understand and choose the best instant loan app for students in India.

What are Digital Loan Apps?

Digital loan apps are mobile applications that provide financial services, primarily focused on offering loans. They streamline the borrowing process, making it accessible and efficient. Users can apply for loans, get approvals, and receive funds directly into their bank accounts without visiting a bank. Difference between Traditional loans and Digital loans: Traditional Loan Apps

Traditional loan apps often involve lengthy application processes, substantial paperwork, and multiple in-person visits to banks or financial institutions. They typically require detailed documentation, including income proof and credit history, and have longer approval times.

Digital Loan Apps

Digital loan apps streamline the borrowing process with minimal documentation, quick online applications, and fast approvals. They leverage technology to offer services such as instant loans and real-time fund transfers. These apps are user-friendly, often requiring just a few clicks to complete the process, and are accessible anytime, anywhere.

Benefits of Digital Loan Apps

Convenience: Apply for loans anytime, anywhere.

Quick Approvals: Instant processing and disbursement of funds.

Minimal Documentation: Reduced paperwork compared to traditional banks.

Accessibility: Available to a wider audience, including those without a credit history.

Top Digital Loan Apps in India

1. StuCred

StuCred is the best instant loan app for students, offering interest-free loans with quick approval and disbursement. Designed specifically for students, it requires minimal documentation and no PAN card. StuCred provides financial independence, allowing students to manage their expenses without stress.

Features:

Quick UPI linked bank account transfers

0% interest rate

Easy application process

Credit score building

Student-friendly terms

Minimal Documentation

2. KreditBee

KreditBee offers personal loans to young professionals and students. With a simple application process, it provides quick disbursement of loans directly into the user’s bank account.

Features:

Instant loan approval

Competitive interest rates

3. mPokket

mPokket is tailored for young professionals, offering instant loans that can be credited to bank accounts or Paytm wallets. It’s ideal for covering short-term financial needs.

Features:

Quick loan disbursement

Minimal documentation

4. MoneyTap

MoneyTap offers a credit line that can be accessed through its app. Users can borrow as little or as much as they need, with flexible repayment options.

Features:

Credit line availability

Flexible borrowing

Competitive interest rates

5. EarlySalary

EarlySalary provides instant loans to salaried professionals. It offers quick approvals and disbursements, making it a reliable option for urgent financial needs.

Features:

Instant loan approval

Flexible repayment terms

Low-interest rates

How to Choose the Best Instant Loan App for Students

When selecting the best instant loan app for students, consider the following factors:

Interest Rates and Fees: Look for apps that offer low or 0% interest rates and minimal fees.

Approval Time: Choose apps that provide instant approval and quick disbursement of funds.

Repayment Flexibility: Opt for apps with flexible repayment options that suit your financial situation.

User Reviews and Ratings: Check reviews and ratings on app stores and financial websites to gauge user experiences.

Security and Privacy: Ensure the app has robust security measures to protect your personal and financial information.

Digital loan apps have revolutionised access to financial services in India, providing a lifeline for students in need of quick funds. Among these, StuCred stands out as the best instant loan app for students, offering a seamless, secure, and interest-free borrowing experience. By choosing StuCred, students can manage their finances effectively and focus on their studies without financial worries.

https://stucred.com/blog/a-complete-guide-to-digital-loan-apps-in-india

#Instant Loan App #Loan Apps

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zapmoney · 3 months

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Need 3000 Rupees Loan Urgently – Apply Now

Need a 3000 Rupees loan urgently? Apply now for quick approval and instant disbursal. Fast, secure, and hassle-free loan application process.

Life is unpredictable, and unforeseen expenses can arise at any moment, often when we are least prepared for them. These could range from medical emergencies to sudden car repairs or any other urgent financial obligation. In such scenarios, waiting for a traditional loan with its lengthy approval processes isn’t feasible. That’s where ZapMoney steps in.

ZapMoney is designed to be a lifeline in these situations. It offers a lending process that is fast, simple, and transparent. Unlike traditional loans that may involve complex paperwork and a long waiting period, ZapMoney simplifies the experience.

Understanding ZapMoney in simple-

ZapMoney is a digital lending platform that aims to simplify the borrowing process, making it faster and more accessible for a wide range of individuals. It caters to both salaried employees and college students, offering a tailored solution to meet their immediate financial needs.

Key Features of ZapMoney-

Loan Amounts: You can apply for loans starting from ₹1000 up to ₹1 lakh, which can be a lifeline for those in immediate need of funds.

Application Process: The process is straightforward where you create an account, verify basic information, check your credit history, and apply for a loan. This can be done through their app, available on both Google Play Store and App Store.

Interest Rates: Loans come with interest rates starting as low as 18% per annum, making it a competitive option in the personal loan market.

Credit Score Building: For those with no credit history or looking to improve their score, ZapMoney provides a platform to build and enhance creditworthiness.

Things to Know About Personal Loans before borrowing from ZapMoney:

Lower Interest Rates: While personal loans typically have higher interest rates due to their unsecured nature, ZapMoney offers reasonable rates, starting from 11%, which can significantly reduce the cost of the loan over time.

CIBIL Score: Your CIBIL score is crucial when applying for personal loans. ZapMoney caters to individuals across various credit scores, offering opportunities to those with lower scores to obtain loans and improve their credit history.

EMI Considerations: The Equated Monthly Installment (EMI) includes both the principal amount and interest. A higher EMI leads to quicker loan repayment, while a lower EMI extends the repayment period but results in more interest paid. It’s essential to use an EMI calculator to plan your finances before taking a loan.

Lender’s Reputation: ZapMoney is powered by Monexo Fintech Private Limited, an RBI Licensed NBFC-P2P, ensuring a credible and smooth lending experience.

Repayment Ability: Before applying for a loan, assess your ability to repay comfortably. Use tools like EMI calculators to understand the monthly repayment amount, interest rate, and tenure to make an informed decision.

How to Apply for a ₹3000 Loan with ZapMoney?

Download the App: Start by downloading the ZapMoney app. It’s available on both the Google Play Store and the App Store.

Sign Up: Once the app is installed, open it and sign up by providing your basic details. This typically includes your name, contact information, and other personal details that will help ZapMoney identify you and secure your account.

Verify Information: After signing up, you’ll need to verify your information. This step is crucial as it helps ZapMoney ensure the accuracy of the details provided. Understanding your credit score is also part of this process. Your credit score is a numerical expression based on an analysis of your credit files, representing the creditworthiness of an individual.

Loan Application: With your information verified, you can proceed to apply for the loan amount you need. In this case, you’re looking to apply for ₹3000. The application will require you to specify the amount and possibly the reason for the loan.

Approval and Fund Transfer: After applying, ZapMoney will quickly review your application. If approved, the funds will be transferred directly to your account.

The speed of this process is one of the key advantages of using ZapMoney, as it allows for quick disbursal of funds, often within 24 hours or less.

In conclusion, ZapMoney offers a seamless and rapid loan application process, ensuring you get the funds when you need them most. As you consider applying, remember to evaluate your repayment capability to ensure a financially sound decision.

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nickyysharmi · 7 months

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10 Best Personal Loan Apps in India: Quick Cash at Your Fingertips

In today's fast-paced world, financial needs often arise unexpectedly. Whether it's for emergency expenses, travel plans, or fulfilling personal aspirations, having access to quick cash can be a game-changer. Thankfully, with the rise of technology, obtaining a personal loan has become more convenient than ever before, thanks to a plethora of personal loan apps available in India. Let's delve into the top 10 personal loan apps that can provide you with the financial assistance you need at your fingertips.

Understanding Personal Loan Apps

Before we dive into the list of the best personal loan apps in India, let's understand what these apps are all about. Personal loan apps are mobile applications that allow individuals to apply for and receive personal loans directly from their smartphones. These apps streamline the loan application process, making it faster and more convenient for users to access funds whenever they need them.

Factors to Consider

Before choosing a personal loan app, it's essential to consider various factors such as interest rates, repayment terms, processing fees, and customer reviews. Opting for a reputable app with transparent policies and favorable terms can make your borrowing experience hassle-free and cost-effective.

Top 10 Personal Loan Apps in India

MoneyTap: MoneyTap offers instant personal loans with flexible repayment options. With features like a line of credit and quick approval process, MoneyTap is a popular choice among borrowers.

Credy: Credy provides personal loans with minimal documentation and competitive interest rates. The app offers personalized loan options tailored to meet the unique needs of each borrower.

EarlySalary: EarlySalary is known for its lightning-fast loan disbursal process, allowing users to access funds within minutes. The app also offers budgeting tools and financial education resources to help users manage their finances effectively.

CASHe: CASHe offers hassle-free personal loans with no credit history required. The app uses advanced algorithms to assess the creditworthiness of borrowers and provides instant loan approvals.

KreditBee: KreditBee offers instant personal loans to young professionals and salaried individuals. The app's simple application process and quick disbursal make it a preferred choice for those in need of urgent funds.

LazyPay: LazyPay offers instant personal loans with flexible repayment options. The app also provides a convenient 'buy now, pay later' feature for online shopping, making it a versatile financial tool for users.

FlexSalary: FlexSalary provides instant personal loans with no collateral required. The app offers flexible repayment tenures and competitive interest rates, making it an attractive option for borrowers.

PaySense: PaySense offers instant personal loans with minimal documentation and quick approval process. The app also provides financial planning tools and credit monitoring services to help users improve their financial health.

SlicePay: SlicePay offers personal loans to college students and young professionals with no credit history required. The app's user-friendly interface and transparent policies make it a popular choice among millennials.

MoneyView: MoneyView offers instant personal loans with low-interest rates and flexible repayment options. The app also provides personalized financial insights and budgeting tools to help users manage their money better.

Conclusion

In conclusion, personal loan apps have revolutionized the way individuals access financial assistance in India. With features like instant approvals, flexible repayment options, and minimal documentation, these apps offer a convenient solution to meet short-term financial needs. However, it's essential to choose a reputable app that offers transparent policies and competitive terms to ensure a positive borrowing experience. So, explore the options mentioned above and find the personal loan app that best suits your requirements.

#loans #apps #India #top

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financemaster1 · 10 months

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Get Your Forex Rate Alerts on Muthoot FinCorp ONE

Managing your Forex needs efficiently and securely is crucial. Whether you are a frequent traveller, a student studying abroad, or a businessperson engaged in international transactions, getting the best Forex rates and seamless transactions is essential. With Muthoot FinCorp ONE, you can get just that.

In this article, we will explore how Muthoot FinCorp ONE's Forex rate alerts can revolutionize the way you handle international finances.

Muthoot FinCorp ONE's Forex Services

Muthoot FinCorp ONE brings simplicity and convenience to your Forex needs, covering essential services such as buying, selling, reloading Forex cards, and sending money abroad, hassle-free. Here's how:

Security at Its Core: With a robust security framework, Muthoot FinCorp ONE ensures that your financial transactions are safe and secure.

Competitive Exchange Rates: You can get the value for your money with competitive exchange rates that can make a significant difference in your transactions.

Swift 24-Hour Transfers: Urgent international transfers are a breeze with Muthoot FinCorp ONE's guaranteed 24-hour* transfer service.

Streamlined Process: Say goodbye to cumbersome paperwork and long waits; Muthoot FinCorp ONE simplifies the entire process for your convenience.

Global Acceptance: Whether you are in the busy streets of New York or the beaches of Bali, your Forex will be readily accepted.

Worldwide ATM Access: Enjoy the flexibility of withdrawing cash from ATMs worldwide using your multi-currency card.

International Money Transfer Limits Made Easy

One common concern when dealing with international transactions is understanding the limits. Under the Liberalized Remittance Scheme (LRS), the Reserve Bank of India has set the international money transfer limit at USD 2,50,000 per financial year. We at Muthoot FinCorp ONE ensure that your transactions stay within these limits, ensuring compliance and a seamless experience.

Convenience Redefined

At Muthoot FinCorp ONE we understand that convenience is key in financial transactions. That's why we offer multiple ways to manage your Forex needs:

Online Forex Card Application: Apply for your multi-currency Forex card online and have it delivered to your doorstep for a hassle-free experience.

Remittance and Card Reloads: Whether you need to send money abroad or reload your existing Muthoot FinCorp ONE Forex card, you can do it both online and offline, giving you the flexibility to manage your Forex needs on your terms.

In conclusion, Muthoot FinCorp ONE simplifies Forex transactions with its user-friendly platform, competitive rates, and secure transactions. Whether you're traveling abroad, pursuing international education, or conducting business on a global scale, Muthoot FinCorp ONE provides the best Forex services to meet your needs.

About Muthoot FinCorp ONE

Muthoot FinCorp ONE is an all-in-one digital financial platform that makes getting an MSME & a Gold Loan, investing in Digital gold & NCDs, making payments & remittances, buying insurance & exchanging Forex, simple and convenient.

As an SBU of Muthoot FinCorp Limited, Muthoot FinCorp ONE is backed by a legacy stretching back over 135 years, and the trust of more than 1 crore customers and is building a holistic financial ecosystem using the latest digital products for lending, investing, protection and payments.

Muthoot FinCorp ONE continues to uphold the values of the parent, the Muthoot Pappachan Group (Muthoot Blue) by providing its customers with easily accessible services, replete with unmistakable quality. The Muthoot Pappachan Group is among India’s most reputed names in the financial services industry, with customers in diverse segments like Automotive industry, Financial Services, Hospitality, Alternate Energy, Real Estate, and Precious Metals.

So what are you waiting for? Head to the Play Store and download the Muthoot FinCorp ONE app. You can also visit the website today to know more.

Alternatively, you can also follow us on Facebook, Instagram, Twitter or LinkedIn to stay tuned to our latest offerings.

Chat on Whatsapp | Branch Locator | Email us - [email protected] | Download App

#forex #international money transfer

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crimechannels · 11 months

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By • Olalekan Fagbade 20-year-old University Student commits suicide after lending lover’ N500,000 Tragedy struck recently in the University of Ilorin as a 20-year-old student of the University, Sanni Hameedat, reportedly committed suicide after lending a boy she met on the social media platform, Snapchat, the sum of N500,000. The PUNCH reported that in a statement on Wednesday, the management of Rubiks, the private hostel where the student resided in before her demise, said she was undergoing her SIWES programme before the incident happened. The management asserted that the cause of her death was not unrelated to the pressure from the app agents, who were demanding fast repayment, coupled with her brother’s inability to assist her financially, which led to depression. “The cause of suicide was traced to financial misappropriation. She was entrusted with a significant sum of money by her mother. She crossed paths with a guy on Snapchat and developed a friendship. “When the boy claimed that his mother was battling breast cancer and urgently needed N500,000, the compassionate and emotional lady decided to help him by lending him half of the N1 million she held for her mother. And the boy promised to repay the borrowed money. “However, when her mother needed the money back, the boy abruptly cut off all up all contact, blocking her. This left her deeply troubled and in order for her to make up the missing N500,000, she resorted to borrowing money from various apps.” Hameedat, therefore, managed to gather N450,000 from the loan apps, adding her savings of N50,000 to make up the borrowed N500,000. The management further maintained that she was reported to have ingested a bottle of pesticide popularly known as Sniper the previous night, and her roommate (name withheld), who had retired to bed early, woke up in the middle of the night to discover her in distress while she was foaming from her mouth and also vomiting. “Alarmed, the roommate sought help, and she was rushed to UITH before being declared dead,” the statement concluded. Meanwhile, both the Dean, Student Affairs Unit, Prof M.T. Yakubu, and the Head, Corporate Affairs, Kunle Akogun of the institution, could not comment on the issue in terse messages sent to them as they both claimed to be partaking in the 37th and 38th combined convocation ceremony which kickstarted on Monday, October 16, 2023. But when The PUNCH contacted the Student Union President, Ologundudu Adesunkanmi, popularly called Royal Prince, he confirmed the incident, corroborating the narration of the hostel management. He said, “The Vice-Chancellor, Dean of Student Affairs are very much aware of the issue, and they have reported to the appropriate authority to begin a full-length investigation into the matter. It is sad that the university community lost her in such a devastating manner.” Details later… #0000 #UniversityStudentcomitssuicideafterlendingloverN500

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lingerieday · 1 year

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A Millennial's Guide to Finance Management

The age of avocado toast, digital revolutions, and societal redefinitions. Being a millennial means navigating a world vastly different from that of previous generations. With economic challenges and opportunities that are unique to the 21st century, managing finances as a millennial requires a tailored approach. This guide dives into the ins and outs of finance management for the digital age's trailblazers.

1. Introduction: Understanding the Millennial Financial Landscape

Shaped by the rise of the internet, the 2008 financial crisis, and a shift in societal values, millennials face both hurdles and advantages in financial management. From student loans to cryptocurrency, it's a brave new world.

2. Tackling the Student Loan Dilemma

Understanding Your Loan: Know your interest rates, terms, and repayment options.

Refinancing Options: Consider consolidating or refinancing for better rates.

Balancing Act: Don't forgo savings or investments entirely to pay off loans quickly.

3. Embracing Technology in Personal Finance

a. Budgeting Apps: Tools like Mint or YNAB that automatically categorize and track expenses. b. Investment Platforms: Apps like Robinhood or Acorns that democratize investing.

4. Setting Clear Financial Goals

Short-Term Goals: Saving for vacations, emergency funds, or buying a new gadget.

Long-Term Goals: Homeownership, retirement, or starting a business.

5. The Importance of an Emergency Fund

A cushion of 3-6 months' expenses can safeguard against unexpected job losses, medical emergencies, or urgent car repairs.

6. Investing for the Future, Today

a. Start Small: Embrace micro-investing platforms. b. Understand the Market: Educate yourself before delving into stocks or crypto. c. Retirement Accounts: Don't underestimate the power of 401(k) or IRA contributions.

7. Navigating the Housing Market

Renting vs. Buying: Understand the pros and cons. Sometimes renting makes more financial sense.

House Hacking: Renting out a part of your property can offset mortgage costs.

8. Being Credit Savvy

a. Importance of a Good Credit Score: It affects loan approvals, interest rates, and even job applications. b. Monitoring and Building: Use credit responsibly and monitor through free services like Credit Karma.

9. The Gig Economy and Side Hustles

Harness the digital age:

Freelance Platforms: Websites like Upwork or Fiverr offer myriad opportunities.

Sharing Economy: From Airbnb to Uber, there are many ways to earn.

10. Traveling Smart: Seeing the World on a Budget

a. Travel Hacking: Leverage credit card points and frequent flyer programs. b. Budget Travel: Explore off-the-beaten-path destinations or travel during off-peak times.

11. Decoding Insurance: Health, Auto, and Beyond

Understanding the importance of being insured and how to find the best deals without compromising on coverage.

12. Sustainable and Ethical Finance

a. Green Investing: Put your money where your values are. b. Supporting Ethical Companies: Be it through investments or purchases, support businesses that align with your values.

13. Continual Financial Education

Podcasts and Blogs: Stay updated with changing financial landscapes.

Books: Classics like "Rich Dad Poor Dad" offer timeless advice.

14. Planning for Major Life Events

a. Weddings: Budgeting for the big day without breaking the bank. b. Children: Understanding the financial implications of expanding your family.

15. Avoiding Common Financial Pitfalls

a. Impulse Purchases: The allure of online shopping deals can add up. b. Being Under-insured: Skimping on insurance can lead to huge bills later. c. Not Reviewing Financial Statements: Regularly review bank and credit card statements for mistakes or fraud.

Conclusion

While the financial journey of a millennial may be peppered with challenges, it is also ripe with opportunities. By leveraging technology, staying informed, and making strategic decisions, millennials can pave a path of financial stability and success. This era, with its blend of traditional financial principles and new-age opportunities, offers myriad avenues to thrive. Remember, it's not about how much you earn, but how wisely you manage, save, and invest.

#finance #finance assignment help #finance management #finance news #finance stock #finance guide #finance & law

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flexpay · 1 year

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FlexPay Instant Cash Loans: Apply Online for Emergencies & More

Let's say you're a salaried individual who has just received an unexpected bill for a car repair. You can't afford to pay out of your regular monthly budget. This is where the FlexPay instant credit app comes into play, which you can use to pay for the car repair.

With this instant cash loan online, you have the flexibility to repay the credit over time rather than all at once.

Instant Cash Loans

Instant cash loans are a popular way to access money quickly and easily, especially when unexpected expenses arise. Applying for instant cash loans online has made the process even more convenient, with borrowers able to complete the entire process from the comfort of their own homes. One such service that offers instant cash loans online is FlexPay. Let’s explore the benefits of using this instant cash loan.

What is FlexPay?

We are an instant credit line app that offers instant cash loans online. It allows you to apply for loans quickly and easily, without the need for extensive paperwork or waiting in long lines. The service is available 24/7, so you can apply and get an instant cash loan in 5 minutes whenever you need one. It offers a range of loan options.

How can I use It for Emergencies?

This best online instant loan app can be used for many emergencies that require immediate funding. Here are some examples of emergencies that a borrower can use this line of credit for:

1. Medical Expenses: If you have an unexpected medical emergency, such as a hospital visit or surgery, we can help you cover the costs of medical bills, prescription medication, and other related expenses.

2. Car Repairs: If your car breaks down unexpectedly, we can help you cover the cost of repairs or purchasing a new car.

3. Home Repairs: If your home requires urgent repairs, such as a leaky roof, broken plumbing, or a faulty electrical system, we can help you pay for the necessary repairs.

4. Emergency Travel: If you need to travel urgently, for example, to attend a family member's funeral or to visit a sick relative, we can help you cover the costs of travel and accommodation.

5. Unexpected Expenses: Sometimes unexpected expenses can occur, such as a home appliance breakdown or a sudden job loss, which can impact on your financial situation. This line of credit can provide you with the funds you need to cover these expenses until you are back on your feet.

Advantages of Applying for Instant Cash Loans Online

One of the biggest advantages of using our cash app is the convenience factor. Borrowers can apply for a loan from anywhere, at any time, using their computer or mobile device. The application process is quick and easy, with most borrowers receiving a decision within minutes. Another advantage is the ability to withdraw cash whenever you want. We offer a scan now and pay later feature that lets you pay anywhere in India.

Other Ways to Use This Instant Credit App

Our revolving credit app can be used for various purposes, including travel, credit card debts, and education. Here's how:

Travel: This line of credit can be used to fund travel expenses such as flight tickets, hotels, rental cars, and activities. This can be helpful if you need to travel for work or leisure and don't have the funds available to pay for everything upfront.

Credit Card Debts: If you have high-interest credit card debts that are difficult to manage, we can help you consolidate your debts and pay them. This can potentially save you money in the long run and make it easier to manage your finances.

Education: If you're looking to further your education, whether it's to pursue a degree or to take a course, we will help you cover the costs. This can be particularly useful if you don't qualify for traditional student loans or need to cover the costs of education while you work.

What’s the Eligibility?

To be eligible for an instant cash loan with FlexPay, you must meet certain criteria, including:

Having a minimum regular source of income (INR 8,000)

A valid bank account.

A citizen of India.

Be 18 years of age and above.

How do I Apply?

To apply for a line of credit:

Download the app.

Create an account.

Complete your profile and apply for credit.

We will review your information and provide you with a credit limit if approved. It's important to read and understand the terms and conditions before accepting the credit.

Conclusion

We are the best online instant loan app that provides a flexible and convenient way to fund travel, consolidate credit card debts, and pay for education. However, as with any form of credit, it's important to use it responsibly and to make sure that you can afford to repay any credit that you take on.

#best online instant loan app #instant cash loan

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ishaansinghh0210 · 2 years

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What are the Core Benefits of a Good Education Loan?

The rate of education inflation in India rose from 0.63% to 1% over April-May 2021 but spiked up to 4.12% and 4.09% respectively in the corresponding months this year. The figures have been released by the Ministry of Statistics and Programme Implementation. This results from schools reopening across the country while the pandemic is ongoing. The rise in the cost of education can be linked to increased administration costs, tuition fees, fuel costs and food costs, technological updates in teaching modes, modern school infrastructure, enhanced security, and overall higher living costs.

How to provide yourself with quality education despite the rising costs? The wise idea is to take a study loan, especially if you wish to study abroad. You can get such a loan quickly from a fintech company and enjoy some additional benefits. Here's a look.

Quick Application

You can apply for this kind of personal loan by simply downloading the fintech lender's loan app on your Android or iOS device. Then create your account by uploading some basic required information. The details are quickly verified online to save time.

Easy Eligibility Criteria

A fintech study loan comes with easy eligibility criteria to allow more people to access it and build a bright career. According to the requirements, you should be:

An Indian citizen

At least 18 years of age

A salaried professional

Earning a minimum monthly salary of ₹15,000

Having a Facebook or LinkedIn account

Minimal Paperless Documentation

When you visit a bank or a traditional financial institution to get a personal loan, you often need to submit several documents in person. The documentation procedure followed by verification becomes lengthy and delays the loan process.

On the other hand, applying for an education loan from a fintech company doesn't involve cumbersome documentation. It is rather paperless, digitised and hassle-free. You can upload the following few documents on the loan app:

Income Proof (Latest Salary Slip)

Photo Identity Proof (PAN Card)

Identity Proof (Aadhaar Card)

Latest Bank Statement showing salary credit

Permanent Address Proof (commonly accepted documents)

The easy documentation process can help you get a loan faster to meet your urgent fund needs.

Flexible Loan Amounts and Tenure

Once your details are verified successfully, you can choose the required loan amount and tenure. You can borrow anywhere between ₹15,000 and ₹4,00,000 and repay the study loan over 3, 6, 9, 12 or 18 months based on the borrowed amount.

Conclusion

Another benefit of a study loan is that it doesn't depend on the stage of the student life of the borrower. You can avail of the eligibility criteria as long as you meet them. Then you can repay the EMIs via easy, quick and safe online modes like auto-debits, NEFT, and IMPS.

#study loan #personal loan

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loantrivia · 2 years

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Fulfill Your Dreams With Personal Loans For Students

As a result of the fintech revolution in India, the financial sector has advanced exponentially, allowing people to take loans much more conveniently now rather than being stuck in queues at banks and supplying long paperwork trails. Apps that provide funds to people in need are becoming increasingly popular because they provide funds to those who need them urgently. To get a Quick personal…

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#Personal Loans For Students

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mayflorsblog · 2 years

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Top 5 Reasons to get Life Insurance in your 30s

In your 30s, a lot can happen. You might be planning a wedding, beginning a family, or searching for your first house to purchase. But have you given life insurance any thought?

In your 30s, life starts to get reasonably accurate. You might settle down, get married, start a family, own a home, and bring home the golden retriever you’ve always wanted. That is a lot. Because of this, now is a beautiful time to begin making plans for the future of your family.

Even though it could be difficult, you might need to think about what would happen to your family if something happened to you. The decisions you make today may have a profound impact on the people you care about the most.

In your 30s, consider buying life insurance for the following five reasons:

You Need to Pay Your Monthly Bills

Your life is a series of monthly bills.

Your salary is probably heavily invested in these costs, including your rent or mortgage, auto payments, utilities, credit card bills, and student loans. Despite all odds, you’ve been able to save some money for that Blink-182 reunion tour, but your finances are still tight. Another reason a life insurance policy can be a good idea is this one.

How will your family assist in paying off your mortgage or outstanding loans after you pass away? Your loved ones’ ability to pay the bills you leave behind may be aided by a life insurance policy.

You Have a Family to Support

To create their own families, many are delaying parenthood till they are older. It’s possible that your grandparents and parents were married and had children when they were in their 20s. But more people today are delaying marriage until their 30s or later. Why not, then? It’s simpler than ever to play the field and wait for that ideal match thanks to dating apps like Bumble, Hinge, and the rest.

In fact, women in their early 30s are giving birth to more children than those in their 20s for the first time ever.

Does that circumstance ring a bell for you? If so, you might want to consider what will happen to your family when you pass away. Purchasing life insurance in your 30s could provide your family with financial security in the future.

You are Financing your Kids’ Education

Whether you’re talking about a four-year college, associate degree, or vocational school these days, getting a credential is very pricey. And it won’t get any more straightforward with soaring tuition costs. Even enrolling your children in public the in-state school can be expensive: the average yearly cost after accounting for tuition, room, and board, fees, and other costs is more than $20,000.

Most people’s personal funds just won’t be enough to pay for their education. Although they are an option, student loans could leave borrowers with long-term debt.

If you are unable to provide for your children on your own, the payoff from a life insurance policy may help.

Insurance may be more affordable when you’re young.

Age is one of several variables that insurance companies take into account when determining premiums, but it is one of the most crucial. With all the health tracking apps, recreational sports leagues, and 5ks with pals, young people frequently have fewer health issues, and insurers are aware of this. That might work in your favor.

Purchasing life insurance when you’re still young may enable you to locate a plan that both suits your financial needs and your urgent demands. For those in their 30s, a term life insurance policy is frequently the best option. Compared to a whole life policy, coverage quantities are frequently higher, and costs are created to be reasonable. It’s frequently the best kind of life insurance coverage for a 30-year-old.

Your Loans were Co-signed by Your Parents

Without a perfect credit history, getting a loan to establish a business or purchase a new home is difficult. You might have asked your parents to co-sign your mortgage or other loans, like many other 30-somethings. If something were to happen to you, they would still be responsible for making those payments.

Life insurance can let you pay them back for their assistance when you most need it. Your home, business, or investment might be protected, and your debts could be produced without depleting your parents’ financial resources by using the payoff from an insurance policy.

#ethos #lifehealthadvisors #areteautomation #ethoscoverage #lifeinsurance

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sahrahblog · 2 years

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Top 5 Reasons to get Life Insurance in your 30s

In your 30s, a lot can happen. You might be planning a wedding, beginning a family, or searching for your first house to purchase. But have you given life insurance any thought?

In your 30s, consider buying life insurance for the following five reasons:

You Need to Pay Your Monthly Bills

Your life is a series of monthly bills.

How will your family assist in paying off your mortgage or outstanding loans after you pass away? Your loved ones’ ability to pay the bills you leave behind may be aided by a life insurance policy.

You Have a Family to Support

In fact, women in their early 30s are giving birth to more children than those in their 20s for the first time ever.

You are Financing your Kids’ Education

Most people’s personal funds just won’t be enough to pay for their education. Although they are an option, student loans could leave borrowers with long-term debt.

If you are unable to provide for your children on your own, the payoff from a life insurance policy may help.

Insurance may be more affordable when you’re young.

Your Loans were Co-signed by Your Parents

#ethos #lifehealthadvisors #areteautomation #ethoscoverage #lifeinsurance

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mariamajesticblogs · 2 years

Text

Top 5 Reasons to get Life Insurance in your 30s

In your 30s, a lot can happen. You might be planning a wedding, beginning a family, or searching for your first house to purchase. But have you given life insurance any thought?

In your 30s, consider buying life insurance for the following five reasons:

You Need to Pay Your Monthly Bills

Your life is a series of monthly bills.

How will your family assist in paying off your mortgage or outstanding loans after you pass away? Your loved ones’ ability to pay the bills you leave behind may be aided by a life insurance policy.

You Have a Family to Support

In fact, women in their early 30s are giving birth to more children than those in their 20s for the first time ever.

You are Financing your Kids’ Education

Most people’s personal funds just won’t be enough to pay for their education. Although they are an option, student loans could leave borrowers with long-term debt.

If you are unable to provide for your children on your own, the payoff from a life insurance policy may help.

Insurance may be more affordable when you’re young.

Your Loans were Co-signed by Your Parents

#ethos #lifehealthadvisors #areteautomation #ethoscoverage #lifeinsurance

0 notes

honeypirate · 3 years

Text

In Madness lies Sanity

Ushijima Wakatoshi x Reader - College AU

Based off the bit by Allan Watts. I read the transcript and I thought— Ushijima in love with his best friend listening to this talk about love in one of his classes and realizing that he needs to tell them the truth. Allan watts bit is in blue, the fic is in white.

Ushijima wasn’t one to dwell too long on trivial matters. He works through them and then forgets them. He focuses on what is important and what will bring him closer to his desired future. He isn’t one who is sucked into madness and drama, he has a strong level head and it’s something he takes pride in. So he’s trying to apply his ideas to how he handles his feelings for you, is it trivial? Is it important to tell you? He was struggling before he walked into class Monday morning and had his eyes opened by the video played during lecture.

- I’m going to talk to you about a particularly virulent and dangerous form of divine madness which is called falling in love. Which is, from a practical point of view, one of the most insane things you can do, or that can happen to you. Because in the eyes of a given woman or a given man, an opposite who go to the eyes of everybody else a perfectly plain and ordinary person can appear to be God or Goddess incarnate .... And this is an extraordinary disruptive experience a subversive experience in the conduct of human affairs

You were never a plain and ordinary person to him and he believes that’s where it got confused. He always has and always will see you as an extraordinary individual, regardless of things that may be seen as flaws or imperfections, regardless of your mistakes. You didn’t transform from one thing to the next, you were the same angel he knew, so when his heart flipped from friendship to love, he wasn’t paying attention.

- Because you never know when it will strike off for what reason. It’s something like contracting a very chronic disease once you get into it

If anyone asked Ushijima who his best friend is his first thought is you. His first thought thought is always you. His constant. His true best friend who is there for him through anything. He’ll open his mouth and say “y/n is my best friend” and when people would point out just how close they are he just shrugged, weren’t friends supposed to be close?

When he thinks back now, now that his feelings are obvious, he realizes that it was just a matter of time until he fell in love with you. He can pinpoint every moment along his life where love was obvious, every joke and hug that at the time he thought was just nice, when he loaned you his sweatshirt and then didn’t wash it because it smelled like you. When he would spend all his valuable and limited free time with you just because he liked the way you would smile as he walked you home. He thinks back to all of his dates in high school and college, of the dating app conversations he’s had or blind dates his friends had set up, and they all failed because of one simple reason- none of them were you.

- I would like to make some reflections on this particular form of madness, and to raise again a very disturbing question. And this disturbing question is as follows: Is it only when you are in love with another person that you see them as they really are? And in the ordinary way, when you are not in love with people you see only a fragmented version of that being.

He’s spent hours turned to days to weeks as he keeps thinking about whether or not he loves you or if he just thinks he could because of how close you already are. He’s lost track of time connecting different dots and making different lists and theories, replaying you’re entire friendship back in his head. He’s thought about the times he saw you drunk in college and puking on his shoes as he helps you home, when you decided you wanted to try and longboard and turfed it so bad your arm was gashed from wrist to elbow and he had carried you to the urgent care. all your reckless and crazy ideas you dragged him along with, you were almost as bad as tendou but he just wanted to take care of you as best as he could. He can feel the desire in his bones to make sure you were always taken care of, a feeling he knows he’ll have until he dies.

He thinks about when you had dated Oikawa and for the entire three months he had an ulcer but didn’t know why. He thought it was because of his pain relievers and quit them the week you broke up with him, not realizing the connection. When he’d get acid in his throat when you talked about dating someone else, he thought he just needed some milk. How blind he had been.

-Because when you are in love with someone you do indeed see them as a divine being. And suppose that’s what they are truly. And your eyes have by your beloved been opened in which case your beloved is serving to you as a kind of guru. An initiator. And that is why there is a form of sexual yoga, based on the idea that man and woman are to each other as mutual guru and student. And through a tremendous outpouring of psychic energy in total devotion and worship to this other person who is respectively the goddess of the god.

Being someone’s best and closest friend consisted of seeing their entirety and choosing to stay and love them anyway. To care for them. He can’t say for certain where he crossed over into love, into wanting to hug you and kiss you, wanting to be the only one you think about, but there’s not much he can do about it now and he doesn’t want to.

Ushijima sees you. He sees your good and your bad and everything in between, he sees you for you. Your ordinary mundane ways of life that he can’t help but want to share with you. Grocery shopping, library trips, post office runs, he wants them all to be done with you. He truly cannot imagine anyone else taking that spot in his heart.

Wanting to show you what he sees. What he knows to be true about you. he wants to scream from the rooftops how amazing you are and he’s not a very loud person. He sees the way you care for your friends selflessly and give and give all you have just so that others can be happy and you never complain. You do what you can when you can and still have time to take care of yourself he never knew how you did it so effortlessly, even when you’d vent to him you never regretted helping others.

He sees the way you lift up those around you. How you leave everyone a little more positive than before you talked to them. He doesn’t know how you do it. He’s convinced you’re an angel and he’s dying to show you just how amazing he knows you are. But he doesn’t want to ruin your friendship. He sees your entirety, your full book instead of just the cover, and he wouldn’t have it any other way. He wanted to give you this energy and receive it in turn and he’s never been so absolutely terrified.

-You realize by total fusion and contact with the other organism. You go down to the divine center in them and it bounces back and you discover your own or you could put it in this way which is another aspect of it that by falling in love and regarding falling in love not just as a sort of sexual infatuation, because it’s always more than that, isn’t it. I mean you can have a great sexual enjoyment with a pleasant friend, you know. But you may do so simply because he or she appeals to your aesthetic senses. But when you fall in love, it’s a much more serious involvement, you just cannot forget this person. You feel miserable when not in their presence, you’re always yearning, that’s get to see more of each other let’s get together that’s we’re completely entangled and then you see you’ve actually kind of out what I would call spiritual element has been introduced. And the Hindus were sensible enough to realize that this was a means of awakening, enlightenment, and therefore it was. Surrounded. With a sort of rigid religious ritual meditative art, with a form of sexual yoga that is designed to allow the feeling of mutual love to the extent of grand passion to have an extremely fitting fulfillment and expression.

Ushijima has always thought you were beautiful. Any human with eyes would think that. But your beauty and attraction went far deeper than that. Sure he’s had fleeting thoughts about how good you looked in a dress but he never let them linger. It felt wrong to think of you like that. But now that he’s an adult, a grown man and not a teenager anymore, he wants to kiss you, to hold your hand, maybe more but it wasn’t about that. It was about the intimacy, the closeness, the vulnerability.

Awakening. Enlightenment. Two words that before he didn’t really think about. But now he feels changed. Now that he’s realized how much he loves you has lifted his spirits, made him dream of the passion and happiness you could have together. He feels himself slipping into the joy of being in love with his best friend and imagining all the ways that love could grow. He feels only half of himself when he’s without you, always needing to see you or be around you, but you never made him feel clingy or bad. You met him in kind, telling him how much you wanted to be around him too.

At first he thought that this love was a trivial thing, something he could push from his mind, but after his weeks of thought he knows this is a lot more serious than he’s experienced before.

-Falling in love is a thing that strikes like lightning and is therefore extremely analogous to the mystical vision. We don’t know. No how really people attain the mystical vision. There is not as yet a very clear rationale as to how it happens because we do know that it is opened to many people who never did anything to look for it. And many people especially in adolescence have had the mystical vision all of a sudden without the slightest warning and with no previous interest in that kind of thing

He remembers what he was doing when it dawned on him that he was in love, when he felt the air leave his lungs and his eyes widen softly when he realized how nice it would be to kiss your temple and he couldn’t even finish the thought as the feeling ran from his head to his toes.

He was standing in your kitchen as you finished making your lunch for the following day and you made a joke that made yourself laugh, he didn’t think it was a very funny joke but you didn’t care. You giggled to yourself and he couldn’t help but wish he could witness that forever. It hit him like a brick that he would, in almost an instant, give his entirety to you. It terrified him when he imagines you and him ending like his parents. But behind the terror, the fear of divorce, was a softer and quieter emotion that he tried to focus on harder than the insanity of his anxiety. A softer, lovelier, hopeful feeling that he usually gets every time you smile at him. That was the feeling he was searching for, everything else was irrelevant for a few glorious moments.

-But as yet we are not clear as to why it comes about and if there is any method of attaining it the best one is probably to give up the whole idea of getting it…. you see it is completely unpredictable and so it is in that way like falling in love, capricious and therefore crazy. But if you should be so fortunate as to encounter either of these experiences. It seems to me to be a total denial of life to refuse it. And what we therefore have to. Admit in our society is so that we can contain this kind of madness.

He called Tendou that evening, telling him that he thinks he loves you, and Tendou about had a conniption. He was in Paris as his best friend fell in love for the first time. He talked him through it, told him how good it can be. That yes it was going to be work but the reward would be worth it. To not sell himself short out of his own fears. He deserves much more than that. Tendou’s last phrase is what sunk in deep “I know it was unpredictable, that it feels so fickle, but that’s what love is like buddy! You can’t deny it Ushi, you can’t run from it or hide from it, it will only hurt you in the long run”

- You see, in this way we can think about and structure the necessary stable social institution of family sometime without it being constantly threatened of foundering on the rocks of love. Now you see this then means that when when people marry they take any vows at all to each other instead of saying that they will always be true to each other in the sense of meaning I Will Always Love YoU, It means I will be true to you in the sense of I will always be truthful to. I will not pretend that my feelings towards you ARE other than what they are. Because I marry you, because I think that you are a reasonable person to live with and therefore I want you to be you I want you to be someone else I want to be a rubber stamp of me–how boring that would be?! an arrangement in which people set each other free and make an alliance to cooperate with each other in certain ways. Now if it should so occur that they are of immense sexual attraction to each other, so much the better? That this should not be a primary factor in entering into marriage. Admittedly, you must be to a certain extent attractive to each other otherwise there will be no progeny. But this is this is seems to me to be a sensible and reasonable view and just because it is sensible and reasonable it can accommodate what is not sensible and reasonable which is falling in love.

Ushijima is terrified. He’s terrified because the instant immediate joy he felt when he realized he loved you was almost overtaken by worries and stress. He loves you! Now what? He loves structure in his life and he values stability but he knows how rocky relationships can be and how they can ultimately end. He knows he won’t deny it, he won’t back away because of his fear but he needs a plan. A plan to take to you and talk about it, he knows you’ll have the right thing to say but he doesn’t even know what he’ll even say to you yet. He loves that you are so carefree and goofy, a breath of fresh air to his stoicism. You’ve even gently worked your way so deep into his soul that you feel like his other half, his complete other in every way, someone who wasn’t like him at all and how wonderful that is.

Once in his life he thought that arranged marriages were smarter, you did it out of logic and bloodline and family, nothing messy to deal with. But that structure, that boring empty rocky foundation that an arrangement might bring made his mouth taste bad, although at the time he convinced himself it was because it would be more like another job that takes up his time (away from you)

Sensible and reasonable was right up his alley, he thought how nice it would be to have a mini him but he couldn’t think about having that with anyone. He couldn’t think of another half of dna that baby would share that would make it worth it. Not until he saw a picture of you holding your nephew, now whenever he thinks of his babies they share your genes. He thinks of a chunky baby with your eyes and his hair color, a mix of your personality and he’d share volleyball with them. He’s never wanted kids as much as he does when he thinks about sharing them with you. And that’s the part that feels senseless, the love part, the part where you give your entirety to someone and trust that they will care and keep you, no matter what happens, save its not infidelity or other deal breakers of yours he already knows.

Ushijima’s theorizing and thoughts about you over the course of time went from being about understanding why he feels like this to imagining fake scenarios where he wants to take you abroad to travel together, to be together every day and share the hard times and good times, babies or not, marriage or not. He just wants to make you happy for the rest of his life no matter what and he can’t go on much longer without knowing he has a chance to do so

- Well now really when we go back then to falling in love. And say it’s crazy falling. You see we don’t say rising into love. There is in it the idea of the fall. And it is goes back as a matter of fact two extremely fundamental things that there is always a curious tie at some point between the fall and the creation. Taking this ghastly risk, is the condition of there being life. You see, for all life is an act of faith and an act of gamble

And so here he was. Sitting on a bench outside of your dorm, feet bouncing as he stared at the small patch of grass growing in between the sidewalk crack. It’s been a while since that class and he’s been thinking about this constantly.

He knows the risk, feels it in his heart every time he meets up separately with his parents since their divorce. He sees it every time he remembers his childhood and the messy separation. That mess he never wants to repeat. The fall that comes with this love is like that class video had told him, ghastly. He doesn’t know if this could ruin it all, if he takes the leap of faith and it all comes crumbling down years later he’ll be just another divorce. He doesn’t want that. He doesn’t want to end up like his parents and have a child who feels the same. But when he imagines his life he doesn’t think he could be haply without you by his side.

- the moment you take a step, you do so on an act of faith, because you don’t really know that the floors not going to give in to your feet. The moment you take a journey what an act of faith. The moment you enter into any kind of human undertaking in relationship what an act of faith you see you’ve given yourself up. But this is the most powerful thing that can be done surrender see and love is an act of surrender to another person. Total abandonment. I give myself to you. Take me, do anything you like with me. So, that’s quite mad because you see it’s letting things get out of control all sensible people keep things in control.

You know something is up the moment you open the doors and see his back on the bench. You were going to his place since he wasn’t answering his phone, you freeze at the doors at watch him for a moment as your anxiety spikes in your stomach. His shoulders are tense as he leans forward, elbows on his thighs and hands clasped together as he looks down between his bouncing feet. Before you really think about it, you follow the urge to comfort him, to talk to him and make sure it’s all okay. Your feet carry you quickly to his side and you sit down, pulling him into a side hug and wrapping your arms around him.

He gasps when you sit and as you’re wrapping your arms around him he furrows his brows and hugs you back. His heart racing As his fears take the back burner. He didn’t expect you to find him but he also didn’t know how long he’s been sitting here. He buries his face into your neck as he you hold each other in the cool spring evening.

“What’s wrong?” You ask as you hold him and feels his walls break down, his arms tighten around you

“I’m scared” he says quietly and his voice cracks

“Of what Toshi? You can always talk to me” Your fingers run through his hair softly and it soothes his nerves.

He pulls back and cups your cheeks, his eyebrows were still furrowed and his stoic expression was broken by his eyes that were swimming with worry and insecurity.

You saw everything in his eyes and you met him with your determination and steady unwavering love he finds in your eyes. God he feels so mad. So incredibly and undeniably mad and insane and like he isn’t in control. He needs to tell you. Needs the words to come out of his throat so he can calm his heart and soothe his ulcer. The anxiety felt like it was immeasurable and his breathing was starting to get faster until you placed your hands on his cheeks, smothering the bad feelings completely “it’s okay Wakatoshi, I’m right here”

Ushijima feels the exact moment his heart relaxes into the faith, the surrender into love trusting that the floor isn’t going to collapse under his feet, the moment he gives his whole self, body and soul, to the fall, and that moment was when your lips touched his for the first time. Then he let go, the madness left his body and was replaced with a calm assurance that yes, yes this was it, what he’s been waiting for, what he’s been yearning for.

- for all the cost and wisdom what is really sensible is to let go that is to commit oneself to give oneself up and that’s quite mad,

-so we come to the strange conclusion that in madness lies sanity.

#ushijima wakatoshi x you #ushijima wakatoshi x reader #ushijima #ushijima x y/n #ushijima x reader #ushijima x you #haikyuu xreader #haikyuu x you #haikyuu x y/n #haikyuu ushiwaka #haikyuu ushijima #haikyuu wakatoshi #wakatoshi fluff #ushijima fluff #ushijima fanfic #haikyuu fanfiction

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