Minimum Annual Percentage Rate (APR) is 12%, while the maximum APR is 28%. Additionally, full repayment within 61 days or less is not permitted.
- Total Loan amount: ₹ 1,000 - ₹ 10,000
- Minimum period for repayment: 61 days
- Maximum period for repayment: 365 days
- Interest rate: 12% per annum (1% per month)
- Other fees: One-time processing fee
- Approximate APR with interest rate plus fees: 35.9%
For instance, if your loan amount is ₹ 10,000 and the repayment period is 62 days with two equal installments, each in 31 days, bearing an interest of 12% per annum and a one-time processing fee of ₹ 1,200, the total cost of the loan would be ₹ 1,404. The total amount payable would be ₹ 11,404 with a monthly payment of ₹ 5,702.
The ePay - Instant Personal Loan app provides an online platform to apply for and secure personal loans efficiently. Whether it's a dream vacation, home renovation, wedding plans, or a medical emergency, the app offers the convenience of connecting with the top lending partners in India to cater to various financial needs.
Applicants must be at least 21 years old to apply for a loan. The maximum age limit could vary between 60 years for salaried employees and 65 years for self-employed professionals at the time of loan maturity. However, specific age criteria may differ among banks.
How to Apply for ePay - Instant Personal Loan:
- Complete the online application form with personal, employment, and financial details.
- Select your desired loan amount and repayment period to receive instant approval.
- An ePay - Instant Personal Loan representative will contact you.
- Receive loan disbursal within 24 hours of approval.
Loan Information:
- Borrow up to Rs. 5 Lakhs
- Affordable interest rates starting at 6.99% p.a.
- Additional charges:
- Processing fee: 2% + GST
- Convenience charges: Rs. 4999
- Flexible repayment period from 12 to 60 months
- Full repayment within 30 days is not allowed
Features of ePay - Instant Personal Loan:
- Access to over 50 Banks and NBFC's
- Quick Approval process
- Serving over 1,50,000 satisfied customers
- Exclusive Offers and Competitive Rates
- No Collateral Required
- Simple Tracking Process
Disclaimer:
- The ePay - Instant Personal Loan application solely serves as a digital platform for loan processing to streamline procedures without unnecessary paperwork that banks perform during further loan-related processes.
- The loan approval status is determined by the respective bank while we facilitate the digital platform for loan processing.
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Overview
ePay - Instant Personal Loan is a Freeware software in the category Business developed by Surface Tech Inc.
The latest version of ePay - Instant Personal Loan is 1.6, released on 07/13/2024. It was initially added to our database on 07/13/2024.
ePay - Instant Personal Loan runs on the following operating systems: Android.
Users of ePay - Instant Personal Loan gave it a rating of 5 out of 5 stars.
Pros
- Quick and easy access to personal loans
- Simple and user-friendly interface for loan application
- Instant approval process for loans
- No requirement for physical paperwork
- Convenient repayment options
- Secured data protection for user information
Cons
- High interest rates compared to traditional banks
- Limited loan options available
- May have eligibility criteria that could exclude some potential applicants
- Possibility of hidden fees or charges
FAQ
What is ePay?
ePay is an instant personal loan service offered by Surface Tech Inc.
How does ePay work?
ePay allows users to apply for personal loans online and receive instant approval and disbursement directly to their bank account.
What are the eligibility criteria for ePay?
The eligibility criteria for ePay may include age, income, credit score, and other factors as determined by Surface Tech Inc.
What are the interest rates for ePay loans?
The interest rates for ePay loans may vary based on individual credit profiles and other risk factors.
How much can I borrow with ePay?
The loan amount that can be borrowed with ePay depends on various factors such as income, credit history, and the lender's policies.
Is there a repayment schedule for ePay loans?
Yes, ePay loans come with a repayment schedule that outlines the due dates and amounts to be repaid.
Are there any additional fees associated with ePay?
There may be processing fees or other charges associated with ePay loans, which will be clearly communicated during the application process.
Is ePay available in all locations?
ePay availability may vary depending on the user's location and Surface Tech Inc's coverage area.
How secure is the personal information provided during the ePay application process?
Surface Tech Inc takes privacy and security seriously and implements appropriate measures to protect users' personal information during the application process.
Can I apply for an ePay loan if I have a poor credit score?
Surface Tech Inc may consider applications from individuals with varying credit scores, but approval is subject to their internal policies and criteria.
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