Emergencies can strike anytime to haunt you or say halt your smooth sail. At that time, be it you or me, would want money to resolve the issue fast. Sadly, the lack of documents sometimes plays the role of villain to deny you the credit sought to resolve the mess. The credit disapproval leads you to press the panic button by approaching informal money lenders who do give you the money instantly but charge so much of interest that you regret later on.
Plus, if you struggle to pay their dues on time, there’s every likelihood that you can be manhandled, concerning you and your dear ones. So, why to face such a mess when you can get an instant loan without documents? There are a handful of banks and non-banking finance companies that have pre-approved loans, which get disbursed to the account within seconds. Let’s check out their offers without any further delay.
If you have a long relationship with HDFC Bank and commands a good credit history, you can bag a pre-approved loan. Interestingly, you can get the funds within 10 seconds of being an HDFC Bank customer that too without any documents. The loan can be disbursed at competitive interest rates to reduce the EMI payable and help you save on your repayment. You need to choose the tenure for which you want a loan. Even non-HDFC customers can be eligible for a pre-approved loan on the back of a good credit history. These customers would get the loan disbursed to their account within 4 hours.
You can get a pre-approved loan from ICICI Bank by maintaining a relationship with the Mumbai-headquartered lender. Plus, if your credit history is good, it makes all the more easy for you to grab the offer. You can get the loan disbursed to your account within 3 seconds without submitting any documents. There’s no requirement of security or collateral to procure a loan. All that you need is to choose from several channels to apply. These channels include net banking, SMS, mobile banking and even the ATMs. The rate of interest can be as low as 10.99% per annum based on your income and credit score.
Axis Bank is also one of the lenders that offer pre-approved personal loan to fulfill your instant needs. Actually, it’s a loan given against Axis Bank credit card. You can a loan within seconds with no documents required for such a transaction. There are three ways by which you can apply. First is to give a missed call on 18004190230. The second mode would be to dial 18605005555/18604195555. And last, but no means the least, is by texting ILW to 5676782 to get the loan.
How Can Pre-approved Personal Loan be a Boon to You?
The lender gives you a pre-approved loan offer just because it thinks you can pay the loan smoothly. This gives you a chance to negotiate on the interest rates. And, they can do so to add to the list of their customers. With the interest rates getting minimized, you make savings which can be made to accumulate further through investments in products such as fixed deposits and mutual funds.