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Term plan

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It is essential to have a place, which people can call it as home. Having a home is as much a fantasy as it is a requirement; after all, it is a permanent roof for anybody. Getting a Term-plan from Xolight Finance is quick and easy. We provide higher eligibility and less EMI at an attractive interest rate.

However, application processing online ensures faster approval of the Term-plan . Flexible tenures, low-interest rates, and easy repayment options are some of the advantages which allow the user to achieve financial freedom and save money in the process. The Term-plan which are provided by Xolight Finance enable the applicant to buy a ready built-up or under construction house of their choice.

Personal Loan

Smaller EMIs

Space out your payments and avail smaller EMIs paid over longer tenure

Loan Amount

Minimum - Rs. 3,00,000 Maximum - Depends on combined income

Prepayment Charges

Floating Rate Loan: Nil Fixed Rate Loan: 2% of outstanding principal/amount prepaid

Interest Rate Applicable

Floating Rate Loan: Nil Fixed Rate Loan: 2% of outstanding principal/amount prepaid

Term plan

What is Term plan ?

No matter how financially secure or broke, at some point in time, we all need that extra economic support to make our dreams come true. And, this is when Term-plan comes in for the rescue. You may opt for the Term-plan in Delhi or in any other cities of India to cover the expenditures for various reasons, including marriages, travel, home renovation, and many others. The best part about such loan is that it doesn’t require any collateral or security. In fact, it is offered with minimum documentation and paper-work. Also, the process of applying and getting the approval for Term-plan is simpler and easier than any other forms of loan.

However, you need to check the Term-plan eligibility criteria before applying for the same. Also, you must be aware of your credit score. In some cases, if the CIBIL or credit score is poor, a few of the major financial institution avoids providing loans to the borrower. However, with Rupee Station, you are free from this tension as we also offer loans for poor credit as well. And, with us, the process of applying loans is quite simple and easy.

Why Choose a Personal Loan?

Though there are several types of loans which one can avail now, settling for the Term-plan is still considered to be better choice by a lot of experts. Let’s find out some of the reasons why it is said to be always beneficial for you:

Loans without collaterals

If you are looking for quick financial support without the collateral, the Term-plan needs to be your first choice. It doesn’t demand anything as security from the borrower. And, based on the credit history of the applicant, the loan is offered to him/her. Also, the process of availing cheap Term-plan is also quite simplified and hassle-free.

Flexibility to choose the tenure 

If you opt for the Term-plan , you would also get the benefit of choosing the tenure for the repayment of the borrowed amount. And, the longer the tenure, the lower would increase your EMI. So, you can beforehand calculate your EMI and then choose the tenure accordingly. You may use our Term-plan EMI calculator tool for a proper calculation.

Mostly fixed rate of interest

Another significant benefit of lending Term-plan is that it provides a fixed rate of interest. So, in this case, the calculated monthly installment would remain the same for the entire tenure. Hence, you would not have to worry about the change in the rate of interest.  So, if you are looking for easy Term-plan , apply online now with Xolight Finance.

Quicker Disbursal

Unlike other loans, Term-plan require fewer documents to be submitted by the applicant. And, as a result, the process takes less time for the same. So, you can easily apply for quick personal loans without being worried about the formal proceedings.

Tax benefits

If you have taken the loan for any specific purpose, be it for marriage or home renovation, you might get tax benefits for up to 2 lakhs. However, you need to submit documents for the verification, and only after they are approved, you will be able to get the benefits.

Types of Term-plan

At Xolight Finance, we offer several types of Term-plan . Such as:

  • Marriage or Wedding loan
  • Medical loan
  • Home improvement/renovation loan
  • Same day loans
  • Term-plan for a  low CIBIL score
  • Unsecured bad credit loans
  • Cash loans for bad credit
  • Travel Loan
  • Vacation Loan
  • Festival Loan
  • Top up Term-plan

Term-plan Eligibility Criteria

Though all banks have different eligibility criteria for offering Term-plan , we have decided to enlist some of the most important and common ones below. Take a look:

  • He/ she must be the citizen of India
  • He/she must be salaried or self-employed with a regular salary
  • He/she must earn more than the minimum income requirement
  • Age Limit:
  • Salaried
  • Minimum: 21 years
  • Maximum: 58 years
  • Self Employed
  • Minimum: 28 years
  • Maximum: 65 years

Documents Required for Personal Loan

  • Photo ID and age proof
  • Signed application form with the applicant’s signature
  • Residence proof
  • Bank statement for last six months
  • If the applicant is salaried:
  • Form 16/ Income Tax returns
  • Salary slips for last 6 months
  • If the applicant is a self-employed:
  • Last 3 years of Income Tax returns along with the income computation
  • Last 3 years of Audited Balance Sheet or CA certification and the Profit & Loss account

Why choose Rupee Station for Term-plan ?

  • You will get personalized loan offers so that you can choose the best ones for yourself
  • We have a simplified loan lending process
  • We provide an instant loan approval
  • Best Term-plan for bad credit
  • We offer the real-time tracking facilities
  • Once the loan is approved, we transfer the amount within a day
  • Instant approval Personal Loan at lowest interest rate Online

Instant approval Personal Loan at lowest interest rate Online

We, at Xolight Finance, promise the borrowers with an instant approval for Term-plan at lowest interest rate online and in just a few minutes. You just need to fill up the form, submit a few documents, and then you are done! Once you have submitted them, we will instantly connect with you. Also, you will get quick Term-plan approval from best financial institutions of India.

Best Term-plan for bad credit

Apart from offering the low interest Term-plan , Xolight Finance is also famous for providing loans for people with bad credit. We have our finance tools to let you calculate your credit score and EMIs. And, just in case, if your credit score is low, and your application for the Term-plan is getting rejected a lot of times, we are there to help you out. We provide unsecured Term-plan bad credit instantly to the borrowers and that too at the lowest possible interest rate.

Term-plan Eligibility

As we have mentioned above, each of our banks and NBFC partners have a specific set of eligibility criteria. And, only if the borrower’s profile is matching up with their criteria, they will approve and sanction the loan to them. So, before applying for the loan, it is a good option to check the detailed list of the personal loan eligibility criteria. And, depending upon the same, the interest rate, EMIs and tenure of repayment will be decided.

How to get a Term-plan from a bank?

If you are willing to apply for a Term-plan , apply with us as we have more than 50 bank and NBFC partners who are ready to provide an instant approval for the loan application. No matter if you want the loans from the public sector banks like SBI or private sector financial firms such as HDFC or ICICI, we have a tie up with all of them. And, once you have applied for the same with us, we will assure that you get the approval from the top banks of India instantly. Also, just after you have received the approval, you will receive the funds in your bank account within a day or two. So, now you don’t have to worry about how to get a Term-plan from a bank as we are there to help you out at every step.

Top Banks for Term-plan in India

Xolight Finance has a tie-up with more than 50 banks and NBFCs. So, availing all types of loans with us is an easy process. In fact, we believe in a hassle-free loan process, and so we have a paperless document submission and verification process. Some of the top banks of India for availing Term-plan at Xolight Finance /a> in India.
ICICI BANK Term-plan :
No matter if you are salaried or a self-employed individual, you will get the loan from the ICICI Bank instantly. However, quite similar to any other banks, your eligibility criteria would play a vital role in providing you the approval for the same. The interest rate of ICICI Bank Personal Loan in India is lower as compared to other personal loan providers in India.
SBI BANK Term-plan :
You would be glad to know that SBI sanctions loan to the salaried individual up to 10 times more than their net monthly income. Also, it has a lot of schemes to offer to the government employees and pensioners.

Check free credit score rating for the Term-plan

If you want to check free credit score before applying for the personal, you can do it with our Term-plan credit score checker. You just need to provide a few detailed information and documents, and you will receive the credit rating immediately. Also, it will help you to analyze if you are suitable enough for applying the Term-plan or not. However, if your credit score is poor, don’t feel disappointed as we also offer bad credit Term-plan .

Term-plan EMI Calculator

Now, calculate your equated monthly installments with our EMI interest calculator. It is simple and easy-to-use. Moreover, it just needs a few minutes of yours to provide the detailed report of the EMI and the interest rate. So, use our free EMI calculator tool to get the brief infographic chart and calculation of your EMIs. 

Tips to get bad credit loans guaranteed approval 

If you want to get bad credit loans guaranteed approval, make sure that you have followed the tips that are enlisted below:

  • Give a valid income proof to the lender so that they can trust you on repaying the loan amount. Show them that you have an increased pay scale now, and you are cable enough to manage the credit.
  • If you are unable to convince the lender, you have an option to choose the high-interest Term-plan . Yes, it might not be as cost effective as the other ones, but it is still a valid option.
  • Just in case, if someone from your family has a good credit score, ask them to take the loan on your behalf. In case of spouse, you can make him/her as the joint applicant.
  • Generally, Term-plan are unsecured or collateral-free. But, you may opt for the secured Term-plan so that the lender can easily ignore your credit score. And, as a result, you will get the loan amount quite easily.
  • If nothing helps, we are still there to help you out as we also have tie ups with private lenders and NBFCs which provides low interest bad credit loans to the borrowers.

Bank Partners