Our personal loans are designed to cover a wide range of personal expenses, from medical emergencies to travel and special occasions. With flexible terms and competitive interest rates, we make it easy to access the funds you need without collateral, ensuring quick processing and disbursal. As per RBI guidelines, we maintain complete transparency in charges, so you’re fully aware of interest rates, processing fees, and any other associated costs. Eligibility criteria are straightforward, typically based on your income, employment stability, and credit score. Apply for a personal loan with confidence, knowing that our process is compliant and secure.
Your Path to Homeownership with Affordable Home Loans
Home Loan
Owning a home is a significant milestone, and our home loan services are here to make it possible. We offer competitive interest rates and flexible repayment options, tailored to make your dream home a reality. Whether you’re buying a new property or renovating an existing one, our home loans cater to your specific needs. Following the guidelines of the National Housing Bank (NHB) and RBI, we ensure transparent lending practices with no hidden costs. Loans are typically available with tenure options up to 30 years, making EMIs manageable. Eligibility is based on factors like age, income, and credit history, ensuring that the process is both fair and accessible.
Fuel Your Business Growth with Custom Business Loans
Business Loan
Our business loans provide the financial backing necessary for SMEs and startups to grow, expand, and thrive. Designed with flexibility in mind, these loans cater to a variety of business needs, from capital investments to daily operational expenses. Indian banking regulations require that business loans are often collateralized, but we offer both secured and unsecured options, depending on eligibility and financial history. Adhering to RBI guidelines for MSME financing, we strive to support businesses at every stage. Loan amounts, tenure, and interest rates are customized based on the business's revenue, age, and growth potential, enabling business owners to focus on growth without financial strain.
Invest in Your Future with Accessible Education Loans
Education Loan
Education is one of the best investments you can make, and our education loans are here to support your academic journey. These loans cover tuition fees, books, and living expenses, and are available for students pursuing courses both in India and abroad. Complying with Indian Banking Association (IBA) guidelines, our education loans offer flexible repayment options with a moratorium period (up to 1 year post-course completion) to ensure you can focus on studies without financial pressure. Loans are generally secured, especially for higher amounts, and eligibility is based on the academic institution and course type. We work to provide seamless financial support for you or your family’s educational needs.
Our vehicle loans are crafted to make it easy for you to buy a new or used vehicle, whether for personal or business use. With low interest rates and flexible repayment terms, you can drive your dream car without compromising on your budget. As per RBI regulations, vehicle loans are generally secured loans, where the vehicle itself acts as collateral. Eligibility criteria are based on your income, employment status, and credit score, ensuring a simple and transparent approval process. With a range of tenure options, our vehicle loans are structured to provide convenience and affordability, helping you hit the road with confidence.
Width Capital offers comprehensive insurance solutions designed to protect what matters most to you. From health to life and asset coverage, our policies are crafted to provide financial security and peace of mind in uncertain times. Adhering to IRDAI standards, we ensure transparent policies with flexible coverage options and affordable premiums, helping you safeguard your future with confidence.
What’s the average approval time for a loan application
Our streamlined process allows for loan approvals within 24-48 hours for most applications. With digital advancements, over 80% of our applications are processed in under two days, ensuring quick access to funds.
What interest rates can I expect for different types of loans in 2024?
Interest rates vary depending on loan type, credit score, and loan tenure. As of 2024, personal loans typically range from 10% to 16%, home loans from 7% to 10%, and business loans from 11% to 18%, all based on RBI guidelines and current market rates.
Are digital applications secure?
Yes, absolutely. We use advanced encryption and multi-factor authentication to protect your information, aligning with the highest security standards. In 2024, over 90% of our clients choose our secure digital application platform for convenience and safety.
Can I pay off my loan early without penalties?
Yes! In 2024, we offer flexible early repayment options without penalties on most loans. Early payments can save you on interest costs and are a great way to reduce your financial commitments sooner.
How does my credit score impact my loan approval in 2024?
A good credit score remains essential for loan approval and favorable interest rates. As of 2024, a score above 750 improves your chances of approval and may qualify you for lower interest rates, while scores below this may require additional documentation or a higher rate.
