What do we offer to our customers?

XpressLoan is a loan company providing personal loans for a short time, up to Rs. 1,00,000, with flexible tenure.

By what time will I receive the loan amount?

The process is swift; upon meeting eligibility criteria and document verification, the loan is granted.

What all documents are needed for the loan application?

To apply for a personal loan from XpressLoan, you would need: PAN Card, Address Proof, 3 Months Salary Slips, and Bank Statement of last 6 months.

Is there any registration fee to begin the loan process?

No, there are no charges for the application process.

What is the maximum amount of personal loan one can apply for?

You can apply for a maximum loan amount of Rs. 1,00,000, though starting with a lesser amount according to eligibility is common.

Why was my application rejected?

Your application may be rejected if your profile does not meet the eligibility criteria.

Where can I use this loan?

You can use this loan in any way you want.

What is the repayment tenure for personal loans?

Loans can be repaid in a one-time amount or through small EMIs.

What are the things that I should look for before applying for a personal loan?

Consider interest rates, repayment flexibility, processing fees, and customer service.

What is the minimum salary required for the loan?

The minimum salary for a salaried person varies by location, and depends on your city and personal financial obligations.

What are the documents required for a salaried person?

You will need an Aadhar card, PAN card, address proof, three months' salary slip, and bank statements.

What is the maximum loan amount?

The maximum loan you can receive will depend on your salary and credit score.

How much CIBIL score is required for a salaried person?

Generally, a CIBIL score of 750 or higher is preferred, although applicants with lower scores can also apply.

What happens if I cannot pay the loan on time?

Late payments may negatively impact your credit score, creating issues for future borrowings.

How much time does it take for loan approval?

Loan approval can be quick if your credit score and salary are adequate, potentially offering instant disbursal.

What is the highest amount I can get approved?

We provide loans up to ₹4,00,000, depending on your credit score.

Are there document verifications before the loan approval?

Yes, your documents will be verified automatically upon application, eliminating the need for a physical office visit.

Are there prepayments required before the approval?

No prepayment is required for getting your loan approved.

Can we pay the loan amount in different EMI structures?

Yes, we offer flexible repayment options, making repayment manageable.

Is there a problem if I delay my repayments?

Yes, repaying late can harm your credit score.

Can we decrease the length of EMI by increasing the EMI amount?

Yes, you can opt for a higher EMI to shorten the repayment period.

What is the tenure of the loan?

The loan tenure is typically six months, with various EMI options available.

Is it beneficial to activate automatic repayments?

Yes, automatic repayments are helpful for timely payments.

What are the facilities provided for flexible repayments?

We offer EMI options, automatic bank deductions, and more facilities for easier repayments.

What types of loans do you offer?

We offer collateral loans, personal loans, and cash advances based on the items you provide.

How can I sell my valuables?

You can bring in your items for an appraisal and we will provide you with a cash offer.

Are there fees associated with loans?

Yes, we have a transparent schedule of charges that outlines all fees and interest rates associated with our loans.

What are your terms for loan repayment?

Our loan terms vary depending on item value, but generally, you can repay the loan within 30 to 90 days.

What is the procedure of application?

It is quick and easy, requiring a digital signature. To apply, click on the homepage slider and fill out the application form. Payment will follow application approval.

Is it safe to apply online for a loan?

Yes, your information is safe. All important data is encrypted using the Secure Socket Layer (SSL) protocol.

What are the eligibility requirements?

You must be an Indian citizen, at least 18 years old, employed (salaried or self-employed), and capable of repaying the loan.

What documents are needed for the application?

You'll need to provide bank account details, a mobile number, PAN card, proof of address (Aadhaar, voter card, license, or passport), and proof of employment.

How long does it take to get a feedback?

Most applications are approved within minutes, but additional information may delay feedback.

Will employers be contacted?

No direct contact will be made with employers, although the accounts department may be contacted for simple checks.

How safe are internet banking details for the application process?

Your account details are only accessible via snapshots, and all information is encrypted and securely stored.

How much loan can I receive?

Loan amounts depend on credit rating, income, and expenses. We lend amounts that you can repay comfortably.

Can I take further loans while an existing one is still active?

Top-up loans are not available; however, you can apply for a new loan once the existing one is repaid.

How quickly can I receive money after loan approval?

Approval takes approximately 30 minutes, but bank transfer timing may vary. Generally, you'll receive the loan within 24 hours.

What are the early repayment charges?

There are no early repayment charges. The interest is calculated for the exact duration the loan was held.

What security measures are in place to protect my information?

High standards of privacy and security, comparable to those of banks and online payment companies, are maintained.

How much can I currently borrow?

You can currently borrow up to INR 1,00,000, with potential increases based on repayment history and credit score.

Are there any hidden costs?

No hidden costs exist; however, a daily interest of 0.2% is charged, and fees apply for missed repayment deadlines.

What could lead to my loan application being declined?

Applications may be declined if lending is not in the applicant's best interest.

What types of loans do you offer?

We provide a variety of loans, including home loans, personal loans, and business loans.

How does your loan application process work?

Our process includes a free initial consultation, assisting with documentation, and following up with lenders on your behalf.

What are your operating hours?

We are open Monday to Saturday from 9:00 AM to 7:00 PM and closed on Sundays.

What types of items can I sell to Jewels Planet?

You can sell gold, silver, diamonds, and coins to Jewels Planet.

What are your business hours?

We are open Tuesday to Sunday from 11:00 AM to 07:30 PM.

How can I contact Jewels Planet?

You can reach us at +91 9891 22 44 66 or email us at jewelsplanet916@gmail.com.

What types of loans do you offer?

We offer a variety of loans including business loans, home loans, personal loans, loan against property, unsecured loans, and more.

What are your business hours?

Our business hours are from 10:00 AM to 06:30 PM, Monday to Saturday.

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