Rate and Terms
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
The Basic Rate Charged On The Borrowed Loan Amount.
LOAN TERM
The Repayment Duration Selected For Your Loan.
FEES AND CHARGES
Includes Processing Fees, GST, And Other Applicable Charges.
CREDIT SCORE
Your Credit History And Repayment Behavior May Impact Loan Approval And Pricing.
LOAN AMOUNT
The Total Amount Applied For And Approved.
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
No Hidden Charges. Clear Loan Terms And Repayment Details.
Competitive Rates
Affordable Loan Options Designed For Your Financial Needs.
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 Amount | APR | Tenure | Processing Fee | GST On Processing Fee | Amount Disbursed | EMI | Total Repayment Amount | Total Interest |
|---|---|---|---|---|---|---|---|---|
| ₹ 50,000 | 35% | 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: