30daysloan 3.2.11

30dayslaon operates as a financial service provider in India, offering expedited personal loans with a streamlined application process. The company emphasizes convenience, requiring applicants to meet basic eligibility criteria and submit essential documents, with approval and fund disbursement occurring within approximately 30 minutes.

Its platform is designed to be secure and digital, eliminating the need for collateral and facilitating quick access to funds for various immediate financial needs. The company's services are suitable for individuals facing emergency expenses or unplanned costs, providing a viable alternative to traditional lending options.

Applicants must be Indian residents aged at least 21 years, holding a savings bank account, and maintaining a satisfactory CIBIL score. The application process involves completing an online form and submitting documents such as PAN card, bank statements, and salary slips for verification.

Key features of 30dayslaon include:

• Unsecured Personal Loan: Offering quick access to emergency funds through a secure digital platform without requiring collateral. Loans are based on creditworthiness, including advance salary options for unforeseen expenses.
• Efficient Disbursal Process: A rapid approval system requiring minimal documentation, with funds transferred to the borrower’s bank account often within 15 minutes post-verification.
• Flexibility: Capable of addressing multiple urgent expenses simultaneously, such as medical bills, home repairs, vehicle maintenance, or family emergencies, without upfront charges or fees.

It is important to note that interest rates may be higher compared to traditional long-term loans. The service is exclusively available to Indian residents.

The application procedure involves:

1. Submitting an online application form with personal details, ensuring data security and confidentiality.
2. Uploading required documents for a quick verification using a secure fintech system that adheres to strict data protection standards.
3. Receiving communication regarding any discrepancies during the review process via phone or email.
4. Upon clearance, receiving the loan funds directly into the bank account on the same day, typically within 30 minutes of application submission.

The eligibility criteria specify that applicants should be salaried employees or self-employed business owners over 21 years of age with an active savings bank account and a healthy CIBIL score. Required documentation includes a filled application form with photo, PAN card, residence proof (such as passport or driver’s license), recent bank statements, salary slips from the past three months, and proof of identity and age.

The financial terms are as follows:

• Monthly interest rate: 2.9166%
• Fixed annual percentage rate (APR): 35%
• Loan tenure options: 1 to 3 years
• Loan amount range: ₹10,000 to ₹200,000
• Processing fee: 2%, including GST at 18%

An illustrative example: For a loan of ₹50,000 over 12 months at an APR of 35%, with a processing fee of ₹1,000 and GST, the borrower would receive ₹49,000 with an EMI of approximately ₹4,998, culminating in total repayment of about ₹59,978 and interest totaling roughly ₹9,978.

The company operates under the registered name Girdhar Finlease Pvt Ltd., an RBI-approved NBFC. Its registered office is located at 106, First Floor, Surya Kiran Building, 19 Kasturba Gandhi Marg, New Delhi - 110001. For inquiries or applications, contact via email at [email protected] or by phone at +91-9711711074.