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01.
Eligibility Criteria
NBFC Eligibility Criteria for Salaried:
Minimum Salary : Rs. 15,000 Monthly
Minimum Job Stability : 1 Year
Age : 21 Years or above
NBFC Eligibility Criteria for Self-Employed:
Minimum 1 Year Business Stability
Minimum 1 Year IT Return
Age : 21 Years or above
02.
How It Works?
03.
Why Choose Our Financing Guidance
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Frequently Asked Questions
How is the EMI calculated for ₹1 Lakh financing?
EMI is calculated based on the financed amount, applicable interest rate, and repayment tenure. The final EMI may vary depending on the lender’s terms and the applicant’s eligibility.
How are interest rates determined by different lenders?
Interest rates are set by individual lenders based on factors such as credit profile, income, repayment capacity, tenure, and internal lending policies.
What factors can affect the interest rate offered?
The applicable rate may depend on your credit history, income, employment profile, repayment tenure, requested amount, and the lender’s assessment criteria.
What credit score may be considered during eligibility assessment?
There is no single credit score requirement that applies to every lender. A stronger credit profile may support eligibility, while the final decision depends on the lender’s overall assessment.
How long does the application and approval process usually take?
Processing time can vary based on documentation, eligibility checks, verification requirements, and the lender’s review process. Approval timelines are not fixed and may differ for each application.
Disclaimer: Prayosha Fincart Pvt. Ltd. is not a lender or financial institution. We do not provide loans or make credit decisions. All loan approvals, interest rates, fees, and disbursal are handled by third-party lenders/NBFCs. We do not guarantee loan approval, disbursal, or specific loan terms. The amount paid is only for the service charge. We are not lenders and do not guarantee any loan approval. Loan approval, disbursement/sanction is entirely dependent on NBFC criteria.
Important Note: We ask our customers to make payments ONLY on our website prayoshafincart.com and NOT through any other source, directly or indirectly.
PRE-APPLICATION NOTE: Users are advised to read our terms and conditions and policies before proceeding/applying/registration.
Disclosure: Loan tenure minimum 6 months & maximum 60 months; Maximum APR: 34% p.a.; processing fee: up to 2%. Representative example: ₹1,00,000 at 13.53% p.a. for 60 months with ₹2,000 processing fee — EMI ₹2,301, total interest ₹38,059, total repayment ₹1,38,059, indicative APR 14.41%.
Company Registered Address: 3rd Floor, Plot 28, Sy. No. 123/1, Parvati Nagar Co-op. Housing Society 2, Katargam, Surat, Gujarat, India, 395004
Mobile: +91-87348-89547 | Email: support@prayoshafincart.com