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Zype offers unsecured personal loans so you can enjoy the convenience of instant cash loan without having to give any collateral. This means you don’t have to pledge any of your assets to get access to the cash you need.
With Zype, the flexibility of borrowing doesn’t end after you receive the cash in your account. You can get a ₹4 lakh Personal Loan & repay it in 6, 9 or 12 EMIs.
Get instant loan from Zype where you can get approved for a personal loan in less than 60 seconds and have the money in your account on the same day!
Get the best interest rate on your personal loan based on your credit score. Zype offers interest rates starting at as low as 1.5% per month.
You don’t have to upload any document to complete your application on Zype. Just submit your PAN & Aadhaar number along with other basic details and get a ₹4 lakh Loan instantly.
10,000
1,00,000
1
34
1
72
When you calculate 4 lakh personal loan emi for different tenures by personal loan EMI calculator, you can choose a repayment plan that suits your budget and even compare loan offers across various lenders.
This is the formula to calculate your ₹4 lakh personal loan EMI.
E = 400000 x R x (1+R)^N / [(1+R)^N-1], where
E is your personal loan EMI amount
R is the monthly interest rate
N is the no. of months of EMI payment
You can either use this formula or use Zype’s ₹4 lakh loan personal loan EMI calculator.
After you get approved for a loan from Zype, complete a selfie verification to complete your KYC & unlock your loan. Since this is real-time photo verification, you don’t need to upload any documents.
You will have to enter your PAN & Aadhaar number to get a loan offer & to complete your KYC. (Physical copy not required)
Want to apply for a higher loan limit? Get approved for an increased limit just by uploading your bank statement for the last 4 months.
Age
21 years or above
Citizenship
Indian with a valid PAN & Aadhaar card.
Work experience
Salaried individual
Monthly Salary
Monthly income of at least ₹15,000
| Fees & Charges | Amount Chargeable |
|---|---|
| Interest Rate | Starting at as low as 1.5% (monthly) |
| Loan Processing Charges | Processing fees from 2% to 6% on every loan |
| Penalty on Overdue EMIs | Overdue interest and late payment penalty charges will be charged to your total outstanding loan on a daily basis |
It is very important to understand your EMI options before taking a personal loan. By doing this you will be able to repay your loans on time and plan your budget better.
Zype offers flexible repayment options so you can repay the loan on your terms. You can borrow the money you need and choose to repay in 6, 9 or 12 EMIs.
This is what your EMIs for ₹4 lakh loan will look like when you take a loan from Zype at 18% annual interest rate:
| Loan Amount | Interest Rate | Tenure (in months) | EMI in Rs |
|---|---|---|---|
| Rs 100000 | 18% | 6 | Rs 17552.52 |
| 9 | Rs 11960.98 | ||
| 12 | Rs 9168 |
*Note – All the above numbers are for representation only. The final interest rate may vary depending on the profile assessment.
Complete your personal loan application in less than 6 minutes by following these simple steps:
1) Get the Zype app from PlayStore or AppStore & create your account.
4) Complete your KYC by adding your Aadhaar number & doing a selfie verification to get your loan limit.
Yes, you can. Zype offers personal loans even to those customers who don’t have a credit history. You only need a valid PAN card and a minimum monthly salary of ₹15,000 to get personal loans up to ₹4 lakhs.
Yes, you can. There are many lenders and instant loan apps that provide loans without any documents. Zype is such a loan app that only needs your PAN and Aadhaar number to give you a personal loan.
There are many loan apps like Zype that offer unsecured personal loans. This means you can get a ₹4 lakh Loan without providing any assets.
The EMIs of your ₹ 4 lakh loan depend on the offered interest rate, processing fee & loan tenure you choose.
The interest rate you’re offered on your loan depends on how good your credit score is. If you have a high credit score & a good repayment history, you can get the lowest interest rate on a ₹4 lakh Personal Loan.
Your interest rate depends on many factors like your credit score & repayment history. If you have a good credit score, you can get a low-interest rate on your loan. Zype offers loans that start just at 1.5% interest (monthly)
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