
A Personal Loan provides quick cash for weddings, medical emergencies, education, or travel—no collateral required.
Disbursal is often within 24–48 hours after approval.
Yes, a higher credit score improves approval chances and lowers rates.
| Feature | Personal Loan | Credit Card EMI |
|---|---|---|
| Interest Rate | 9–18% (approx.) | 14–24% (approx.) |
| Loan Amount | Higher | Limited to card limit |
| Processing Time | 1–2 days | Instant for purchases |