Capital Now Personal Loan App : Get Loan Up to 1.5 Lakhs : Comprehensive Guide
Capital Now Personal Loan App : In today’s fast-paced world, financial emergencies can arise unexpectedly. Whether it’s an urgent medical bill, an unplanned home repair, or simply a need for extra cash, having quick access to funds is crucial. That’s where Capital Now, India’s most trusted personal loan app for salaried individuals, comes in.
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Offering hassle-free loans up to ₹1.5 lakhs with no hidden charges, Capital Now ensures a smooth borrowing experience with instant approval and quick disbursal.
Key Features of Capital Now
1. Instant Personal Loans
Capital Now provides instant personal loans with repayment periods ranging from 3 to 6 months. The application process is completely digital, ensuring you get the funds you need without unnecessary delays.
2. Loan Against Mutual Funds
One of the standout features of Capital Now is its loan against mutual funds option.
Instead of liquidating your mutual fund investments, you can leverage them to secure a loan at a cheaper interest rate compared to traditional personal loans.
3. Seamless Bill Payments & Recharges
With BBPS integration, Capital Now allows users to pay utility bills, mobile recharges, broadband, water bills, rent, credit card bills, and even FASTag recharges, all within the app. Additionally, users can enjoy exciting rewards on transactions.
4. Pocket-Friendly Interest Rates
Borrowers can enjoy competitive interest rates starting at 1.5% per month, making it one of the most affordable loan options in the market.
5. 100% Paperless Application
No tedious paperwork—Capital Now offers a completely digital loan application process. With minimal documentation, users can get approved and receive funds in their bank accounts in minutes.
6. Cashback & Rewards
Every transaction on the Capital Now app comes with added benefits. Earn real and effortless rewards simply by using the platform for your financial needs.
7. Refer & Earn Program
Want to earn extra income? With Capital Now’s refer & earn program, users can earn up to ₹10,000 per month by inviting friends to use the platform.
8. Zero Foreclosure Charges
Unlike many other loan providers, Capital Now offers complete flexibility. Borrowers can repay their loans early without worrying about foreclosure charges or hidden fees.
Eligibility Criteria
To avail a loan from Capital Now, users must meet the following criteria:
- Age: 21+
- Nationality: Indian
- Income Requirement: ₹22,000+ monthly salary
Required Documents
The application process requires only basic documentation:
- PAN Card
- Aadhaar Card
- Recent Salary Slip or Income Proof
Sample Loan Calculation
To help users understand the loan structure, here’s a sample calculation:
✔ Loan Amount: ₹50,000
✔ Tenure: 6 months
✔ Interest Rate: 24% p.a.
✔ Processing Fee: ₹2,500
✔ GST on Processing Fee: ₹450
✔ Total Interest: ₹6,000
✔ EMI: ₹9,333
✔ APR: 36.30%
✔ Total Repayment Amount: ₹56,000
(Note: The final interest rate and processing fee may vary based on profile assessment. Maximum APR can go up to 41.08%.)
Loan Against Mutual Funds – A Smarter Borrowing Option
Capital Now allows users to pledge their mutual fund units instead of liquidating them. This option offers interest rates as low as 8% p.a., making it a more economical choice than traditional personal loans.
Why Choose Capital Now?
- Transparent Loan Terms: No hidden charges, clear repayment structures.
- No Hefty Charges: Minimal penalties and no excessive fees.
- Flexible Repayment Options: Tailor-made EMI plans with zero foreclosure charges.
- Rapid Approval Process: Get approval within minutes and receive funds instantly.
- 24/7 Customer Support: Reliable assistance available anytime via phone or email.
How to Earn with Capital Now’s Referral Program
Users can maximize their earnings by inviting friends to use the Capital Now app. With the refer & earn program, users can make up to ₹10,000 per month simply by sharing their referral links.
Partnered Lending Institutions
Capital Now collaborates with trusted lending partners, including:
- Goldline Finance Private Limited
- Anu Colonisers Limited
Capital Now Personal Loan App – Conclusion :
Capital Now is revolutionizing the personal loan industry in India with its fast, transparent, and secure loan offerings. Whether you need funds for an emergency, want to leverage your mutual fund investments, or simply need a seamless platform for bill payments, Capital Now has got you covered.
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With 24/7 customer support, zero foreclosure charges, and an attractive referral program, it’s a game-changer in the digital lending space.
Disclaimer
Capital Now is a digital lending platform that facilitates personal loans through its registered lending partners. Loan approvals, interest rates, and repayment terms are subject to the discretion of the lending partners and may vary based on the applicant’s profile and credit assessment. Borrowers are advised to read and understand the loan agreement, terms, and conditions before applying. Taking a loan involves financial risk; ensure timely repayments to avoid penalties or negative impact on your credit score. Capital Now does not guarantee loan approvals and advises users to borrow responsibly.
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