Personal and Business Loans are financial solutions designed to meet diverse funding needs for individuals and entrepreneurs. While both provide access to quick capital, they serve different purposes and are structured to suit specific requirements. Personal Loans are unsecured loans offered to individuals to manage personal expenses such as medical bills, education, weddings, or debt consolidation. They are typically based on the borrower’s income, creditworthiness, and repayment capacity, with no collateral required.
Business Loans are designed to support enterprises in meeting their financial requirements, including working capital needs, business expansion, purchasing equipment, or managing cash flow. These loans may be secured or unsecured, depending on the loan amount and lender policies, and help businesses grow without financial constraints.
| Loan Type | Personal / Business |
| Loan Amount Range | Based On Category |
| Service Mode | Online |
| Loan Approval Time | 1- 2 Days |
| Repayment Mode | EMI / Flexible Repayment |
| Loan Tenure | 12 – 84 Months |
| CIBIL Score Requirement | 650+ (Varies By Lender) |
| Location | PAN India |
| Prepayment Charges Option | 0% – 4% (Depends On Lender) |
| Disbursement Mode | Direct Bank Transfer |
| Security Type | Unsecured / Secured |
| Loan Usage | Personal Expenses, Expansion, Or Inventory |
| Application Channels | Online, Offline |
| Insurance Option | Loan Protection Cover (optional) |
| EMI Option | Fixed EMI / Step-up |
| Approval Criteria | Income Stability, Repayment History, Or Financial Profile |
| Customer Support Option | Dedicated Loan Officer |
| Service Provider | Cash Chahiye Financial Services |
| Country Of Origin | India |
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