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Rate and Terms

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HOW IS THE ANNUAL PERCENTAGE RATE (APR) DETERMINED?

The Annual Percentage Rate (APR) depends on multiple factors related to your loan profile and repayment capacity.

INTEREST RATE

INTEREST RATE

The Basic Rate Charged On The Borrowed Loan Amount.

LOAN TERM

LOAN TERM

The Repayment Duration Selected For Your Loan.

FEES AND CHARGES

FEES AND CHARGES

Includes Processing Fees, GST, And Other Applicable Charges.

CREDIT SCORE

CREDIT SCORE

Your Credit History And Repayment Behavior May Impact Loan Approval And Pricing.

LOAN AMOUNT

LOAN AMOUNT

The Total Amount Applied For And Approved.

MARKET CONDITIONS

MARKET CONDITIONS

Loan Rates May Vary Based On Financial Market Conditions And Lending Policies.

HOW DO OUR RATES & FEES WORK?

At Emergency Paisa, we maintain complete transparency in our charges and repayment terms.

Interest Rate

Interest Is Charged Based On The Approved Loan Amount And Repayment Tenure.

Annual Percentage Rate (APR)

APR Includes The Interest Rate Along With Applicable Fees And Charges Associated With The Loan.

Origination Fees

A Small One-Time Fee May Be Charged During Loan Processing And Disbursement.

Late Payment Fees

Late Payment Charges May Apply If Repayments Are Delayed Beyond The Due Date.

Prepayment Penalties

Additional Penalties May Apply For Missed Or Overdue Payments As Per Policy Terms.

Processing Fees

Processing Charges Are Clearly Communicated Before Loan Approval With No Hidden Costs.

WHY CHOOSE EMERGENCY PAISA?

We Make Borrowing Simple, Transparent, And Convenient For Everyone.

Transparent Pricing

Transparent Pricing

No Hidden Charges. Clear Loan Terms And Repayment Details.

Competitive Rates

Competitive Rates

Affordable Loan Options Designed For Your Financial Needs.

Flexible Terms

Flexible Terms

Choose Repayment Options That Fit Your Convenience.

Representative Example

This Is Only A Representative Example For Understanding Loan Calculations. Actual Loan Terms, Interest Rates, And Repayment Amounts May Vary Based On Eligibility And Approval Conditions.

Loan AmountAPRTenureProcessing FeeGST On Processing FeeAmount DisbursedEMITotal Repayment AmountTotal Interest
₹ 50,00035%12 Months₹ 1,000₹ 180₹ 48,820₹ 4,998₹ 59,978₹ 9,978

*The Above Example Is For Representative Purposes Only And Actual Loan Terms May Vary.

Company Accreditation

We Are Registered Under The Name Suburban Finance & Investment Private Limited, A Registered NBFC (Non-Banking Financial Company), Approved By RBI.

Loan Amount

Minimum Loan Amount: ₹5,000

(Five Thousand Rupees)

Maximum Loan Amount: ₹1, 25000

One Lakh Twenty-Five Thousand

Loan approval depends on eligibility and verification

(Five Thousand Rupees)

Charges & Terms

Interest charges may vary based on profile and tenure.

Processing fees and GST are applicable.

No hidden charges.

Documents Required

To apply for a loan, keep the following documents ready:

Aadhaar Card
PAN Card
Bank Statement
Salary Slip / Income Proof
Valid Mobile Number
Email ID