Loangranted is a loan offering from Vivifi India Finance Private Limited, a non-banking finance company (NBFC) registered with the Reserve Bank of India (RBI)*

Shopping Loan in Kolkata from Loan Granted helps you to manage your finances while you are planning to procure necessary items that you need. There might arise some situations, when you fall short of funds and there are items which are a must to buy - from dresses to cutlery’s, furniture to home appliances, electronic goods to vehicles, repairs to home renovations, etc. Hence, in such situations when you are actually going low on monetary funds, we at Loan Granted, understand your difficulties and offer you unique and tailor-made shopping loans.

With reference to e-commerce portals, the sales that are been advertised during festive seasons are the major reason why shopping loans are high on the list. It generates a compulsion amongst customers to procure items only because of the best deals offered, and if the items you are buying were pre-planned or needed, you just can’t ignore the sales. Hence, the need for the budget also runs in parallel with the shopping of products.

Shopping Loan In Kolkata: Features and Benefits

Loan Granted is a loan offering from Vivifi India Finance Private Limited, a non-banking finance company (NBFC) registered with the Reserve Bank of India (RBI), offering Kolkata’s quickest online shopping loans that can be disbursed in a day and with a loan provision of up to INR 2,00,000 by not compromising on any guarantees. The process is 100% online, quick, simple and hassle-free; where eligibility criteria play an important role and the process also requires the submission of some basic documents. Loan Granted is providing customized personal loans as shopping loans, making it much more appealing with the benefits mentioned below:

  • Online and digital - The complete loan process is online and an application form is available on the website online to fill in your requested details.
  • Instant cash 24*7 - Loan Granted offers shopping loans, to help quench your thirst for shopping; once approved the loans are disbursed into your account instantly.
  • Unsecured loans - Loan Granted offers shopping loans without any collateral. The borrower is not required to submit his assets as security during loan provision and is free from risk in case of non-payment.
  • Unlimited withdrawal - Immediate cash can be obtained after the payment of your earlier borrowed amount, thereby not wasting additional time in applying for a fresh loan application.
  • Prompt verification - The loan application request is quickly processed and the loan eligibility of the applicant is immediately determined.
  • Prepayments made easy - Borrowers can proceed with prepayments if they have excess cash in hand.
  • Transparent process - No hidden and prepayment charges are levied on the customer.

Shopping Loan In Kolkata : Eligibility

In Kolkata, shopping is a spree, be it online or offline and especially during festive seasons, because of the discounts and sales advertised. Thus, creating an urge in the shoppers’ mind to procure items which are sometimes not in their budget list or not having enough funds to buy them. But, we do have a solution for your worries while you can avail a shopping loan with Loan Granted without any second thought to fulfil your shopping desires.

Loan Granted provides shopping loans for salaried professionals through a complete online digitized process i.e., registration with instant approval process; thus eliminating the need for paperwork. Once the approval is done, the loan amount is disbursed into your account instantly. Listed below are the eligibility criteria that are required to get a shopping loan approval online.

  • Must be of Indian nationality
  • Minimum age requirement is 21 years
  • Should be a salaried individual with an income of at least INR 8,000

Your creditworthiness is defined with the CIBIL score you have achieved. A credit score is generally a 3-digit number from 300 to 900. The credit score reflects how well or poorly you have dealt with loans or credit cards in your past.

Loan Granted shall verify your eligibility for a shopping loan through your CIBIL report and if you have been paying your credit card bills and loan amount on time, then your credit score will increase, thus making you a trustworthy borrower.

A higher credit score builds higher loan amount approval. If you are not being able to make the payments in time, it might affect your credit score, which is further considered a disadvantage to you in the future.

Documents Required to Apply for a Shopping Loan In Kolkata

Find below the mandatory documents required to get a shopping loan approved online at Loan Granted:

  • Identity proof like Voter’s Id, Aadhaar card, Passport, Driving Licence, etc.,
  • Residence proof like Ration Card, Electricity Bill, Telephone Bill, Passport, Rental Agreement, Gas Bill, etc.,
  • Income proof like Payslips and Bank Statements of the last 3 months
  • Passport size photographs
  • PAN card

Loan Amount

Avail shopping loans from INR 4,000 to INR 2,00,000 with Loan Granted. Hence, based on your eligibility, the loan amount differs.

Loan Tenure

The tenure of a shopping loan at Loan Granted is up to 3 years. You can select a loan tenure as per your convenience.

How to Apply for a Shopping Loan In Kolkata at Loan Granted?

Find below the step-by-step procedure to get a shopping loan in a day:

Step 1 - Log in to the Loan Granted website at www.loangranted.com; click on apply now; you will be then redirected to the online loan application form page.

Step 2 - Fill in your personal, employment, and income details, as requested.

Step 3 - Upload the requested documents.

As soon as your loan gets approved, the funds will be transferred to your account within 24 hours.

A shopping loan from Loan Granted can be a great option to buy the things you need and want. You can buy a laptop for yourself or a PC for your kids for educational purposes, electronic gadgets which are invaluable and are available at an affordable price. Your budget along with a shopping loan can fetch you the desired product at the desired time. So, apply for a quick shopping now with Loan Granted.

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FAQs


You can quickly apply for a shop loan with Loan Granted using our simple online application form.
The mandatory documents required to apply for a shop loan with Loan Granted are:
  1. Identity proof
  2. PAN card
  3. Address proof
  4. Bank statements for the last 3 months
  5. Salary slips for the last 3 months
  6. Photo
No! Loan Granted shop loan can be availed by only salaried individuals with a minimum salary of INR 8,000.
To be eligible for our shop loan, you must be an Indian citizen with a minimum of 18 years of age.
Loan Granted shop loan is approved almost instantly.
You can borrow as low as INR 4,000 and up to INR 2,00,000 with Loan Granted.
The loan tenure is up to 3 Years (Open-ended)
No, this is an unsecured loan. You don't need to provide any security, guarantors, or collateral.
Yes, you can prepay your loan. Loan Granted doesn't levy any prepayment fee.
A shop loan from Loan Granted can be utilized for any of your needs. There are no restrictions on usage!
Net Banking Verification is a revolutionary process used by banks, lenders and other financial institutions to verify the financial status of a potential customer. While applying for an online shop loan with Loan Granted, you can choose the EBV option instead of 'Upload Your Documents' option to get shop loan approval.
Your shop loan application with Loan Granted will be rejected if your profile doesn't meet our eligibility requirements.
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