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So, what exactly is a FIRSTmoney wedding loan and how does it work? FIRSTmoney is a smart personal loan that can be used to cover wedding expenses such as venue bookings, catering, jewellery, flowers, and more. Unlike a traditional loan, a line of credit like FIRSTmoney allows you to borrow only the amount you need, when you need it. This means you won't end up borrowing more money than necessary and paying interest on it.
Let's say that a customer has been approved a ₹10 lakh FIRSTmoney smart personal loan that they plan to use for their wedding expenses. They may initially only need ₹50,000 for the venue deposit, but as they continue to plan and make purchases, they can borrow more from the line of credit, up to the ₹10 lakh limit. This allows them to have access to funds when needed, rather than having to take out a large loan or pay for everything upfront. Additionally, they only have to pay interest on the amount borrowed, rather than the full ₹10 lakh, saving them money in the long run.
One of the main benefits of a FIRSTmoney wedding loan is that it can help you avoid the high interest rates often associated with credit cards. With FIRSTmoney, you can borrow at a lower interest rate, starting at just 10.99%, and pay it off over flexible tenures ranging from two to 60 months. Furthermore, there are no foreclosure charges if you decide to pay off your wedding loan in advance. This can save you a significant amount of money in the long run.
So if you're planning your big day, consider taking a wedding loan from FIRSTmoney line of credit to make your dreams a reality.
* CIBIL Score is a 3-digit numeric summary of your credit history, derived by using details found in the ‘Accounts’ and ‘Enquiries’ sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.
Required Documentation for Wedding Loan
Display your physical PAN card for Video KYC (VKYC) during the online smart personal loan application.
Display your physical PAN card for Video KYC (VKYC) during the online smart personal loan application.
Embark on your dream adventures with an online personal loan designed exclusively for elite travellers like you. Whether you're planning a luxurious getaway, an exotic expedition, or a cultural exploration, a FIRSTmoney loan offers the financial freedom to turn your travel aspirations into reality.
With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel personal loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.
Advantages of a FIRSTmoney smart personal loan for travel expenses:
In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies:
Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life. Here's how our loan can add value to your special day:
Medical emergencies often come with unexpected expenses and a personal loan can offer access to quick funds. With a FIRSTmoney smart personal loan, you have the financial flexibility to explore various treatment options, including specialists, alternative therapies, or out-of-network providers, ensuring that you can pursue the best possible care for yourself or your loved ones. FIRSTmoney – our smart personal loan for medical expense, offers invaluable support and peace of mind during medical emergencies. Here's how:
Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with FIRSTmoney, our smart, instant personal loan. Apply for a personal loan online and get approved seamlessly. Use your credit limit as an when you need.
Embark on your dream adventures with an online personal loan designed exclusively for elite travellers like you. Whether you're planning a luxurious getaway, an exotic expedition, or a cultural exploration, a FIRSTmoney loan offers the financial freedom to turn your travel aspirations into reality.
With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel personal loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.
Advantages of a FIRSTmoney smart personal loan for travel expenses:
In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies:
Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life. Here's how our loan can add value to your special day:
Medical emergencies often come with unexpected expenses and a personal loan can offer access to quick funds. With a FIRSTmoney smart personal loan, you have the financial flexibility to explore various treatment options, including specialists, alternative therapies, or out-of-network providers, ensuring that you can pursue the best possible care for yourself or your loved ones. FIRSTmoney – our smart personal loan for medical expense, offers invaluable support and peace of mind during medical emergencies. Here's how:
Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with FIRSTmoney, our smart, instant personal loan. Apply for a personal loan online and get approved seamlessly. Use your credit limit as an when you need.
A marriage loan is a type of personal loan designed to cover the expenses related to a wedding. These loans can be used for various purposes, including venue booking, catering, jewellery, clothing, and other related costs. With FIRSTmoney, you can acquire a loan of up to ₹10 lakhs with flexibility to draw funds multiple times as when needed and pay EMIs only on the used funds.
The amount you can borrow as a marriage loan depends on several factors such as your income, credit score, repayment capacity, and the policies of the lending institution. FIRSTmoney offers loans ranging from ₹50,000 to ₹10 lakh.
To calculate the equated monthly instalment (EMI) for a marriage loan, you can use an EMI calculator available on the IDFC FIRST Bank. You'll need to input the loan amount, interest rate, and tenure to get a precise EMI figure. The formula used is:
EMI= P*r*(1+r)^n ]/[(1+r)^n+1 where P is the principal loan amount, r is the monthly interest rate, and n is the loan tenure in months.
To get a wedding loan via FIRSTmoney, you are only required to furnish your physical PAN card during the video KYC process. The verification and approval process is completely online and lightning fast.
Eligibility criteria for a marriage loan usually include:
To apply for a wedding loan online from FIRSTmoney:
1. Start by scanning the QR code or clicking loan from your smartphone.
2. Register using your mobile number and confirm basic/personal details to check your eligibility.
3. Select the loan amount of your choice starting from as little as ₹50,000 up to your full credit limit and choose flexible repayment terms.
4. Link your bank account where you wish the funds to be disbursed.
5. Complete the video KYC verification process with your physical PAN card.
IDFC FIRST Bank offers competitive interest rates on marriage loans. These rates vary based on factors such as the loan amount, tenure, and the applicant's credit profile. Generally, interest rates start at 10.99% per annum. For precise rates, it's best to check directly with IDFC FIRST Bank or their official website.
To apply for a wedding loan online from FIRSTmoney:
1. Start by scanning the QR code or clicking loan from your smartphone.
2. Register using your mobile number and confirm basic/personal details to check your eligibility.
3. Select the loan amount of your choice starting from as little as ₹50,000 up to your full credit limit and choose flexible repayment terms.
4. Link your bank account where you wish the funds to be disbursed.
5. Complete the video KYC verification process with your physical PAN card.