Need help please

201°
Deal Lieutenant
Smarty

i have 1 lakh around credit card bill to be paid.
but i do not have that much funds now.
i am thinking to take a loan of 1 lakh and pay small emi for next 2 years.
can anyone help me how to do this and how to get this money at lowest interest rate.
or anyone can help me to get this done in any other way? (like order products for someone) or any other method

please help me

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Deal Newbie Deal Newbie
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Bro spend amount on credit cards when you have 2x in your savings account otherwise it leads to unnecessary debits

Check with icici bank

Pro DealBaba Pro DealBaba
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Contact ur salary/savings account bank , assuming ur cibil is good, they will give u pl at 10-12% .

Asko chk with icici , as they offer lower rates for pl.

Good luck

The PostMighty The PostMighty
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Small EMI causes Big financial loss.
Big EMI causes Small financial loss.
Make personal sacrifices and go for Big EMI.

As I posted in another thread, a credit card is NOT meant to be used when you do not have money. If you do that, you are heading on the road to financial self-destruction.

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Generous Generous
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Credpe

Pice

SnaPay

Deal Lieutenant Deal Lieutenant
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can we repay in one year or two years?

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Deal Newbie Deal Newbie
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Bro spend amount on credit cards when you have 2x in your savings account otherwise it leads to unnecessary debits

Check with icici bank

Hunk Hunk
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Unicheck try kro but they credit on 21st of every month.
They give some amount without any processing fee and interest. Free of cost.
I have 50k limit for this.

This may give you some buffer time.

Deal Lieutenant Deal Lieutenant
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can we repay in one year or two years?

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Deal Cadet Deal Cadet
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And that's why some wise man advice to spend in your limits, but i think it's some emergency. 

You should have tried unicard and bajaj 6 months emi card without interest. 

Deal Lieutenant Deal Lieutenant
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@bhavyas  yes I understand......i will have to change this habit... I tried to apply Bajaj emi card but they have stopped it

Benevolent Benevolent
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Check Cred cash ..bank also offer pre approved lonas. Navi cash also hear good. Tata capital is there too. Flipkart also giving loans with no processing fee

Deal Lieutenant Deal Lieutenant
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Ok checking

Pro DealBaba Pro DealBaba
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Contact ur salary/savings account bank , assuming ur cibil is good, they will give u pl at 10-12% .

Asko chk with icici , as they offer lower rates for pl.

Good luck

Deal Cadet Deal Cadet
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try if you can convert that bill in emi or take personal loan or ask around people if you intend to pay back on time just like installments but no emi if you take it from people you know. 

Deal Cadet Deal Cadet
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and take it as a lesson and dont spend if you dont have money to pay bill. I would suggest to change limit to lower from app to save yourself from this from next time.

Deal Cadet Deal Cadet
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Do not go for third party loan applications unless you have other options.

In which bank your salary is getting credited? Contact them and negotiate with them. If you are using HDFC and if you are a classic/preferred customer you may contact your relationship manager to get the loan at best rate.

Benevolent Benevolent
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Take friends and family help if it's just 1lac, no more cc, don't keep them with you!


Deal Captain Deal Captain
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Do you have any agricultural land in your name bro?

Generous Generous
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You already got a lot of suggestions to come out of this situation. Follow the best suitable for you.

And close all your CC ASAP. Get them again once you are not in debt or have stable income.

The PostMighty The PostMighty
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Small EMI causes Big financial loss.
Big EMI causes Small financial loss.
Make personal sacrifices and go for Big EMI.

As I posted in another thread, a credit card is NOT meant to be used when you do not have money. If you do that, you are heading on the road to financial self-destruction.

Hunk Hunk
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Koi solution Mila @Smarty ?

Update kr dena post solution ke sath jab mile.

Generous Generous
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Take from friends and family and return it as soon as you can. If not, then go for bank loans. 


Helpful Helpful
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@Smarty

you will repeat this so close all your cc and if you still want a cc then get a fd based cc

if you are earning then go to bank branch and ask for personal loan

Deal Subedar Deal Subedar
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Check with friends/family first

Check with banks for personal loan

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