Apna Loan Bazaar Rating by Users


4.5 / 5 out of 1920 users


"Peaceful Loan disbursement and excellent Loan services."
- Punnam, Hydrabad
"Simple documentation, timely guidance helped me to get the desired loan amount, good support from Apna loan Bazaar."
- Pavan, Chennai
"Simple, convenient and fast services."
- Langrakar, Mumbai
"No time to roam out for home loans, team Apna Loan bazaar services are timely and accurate moves made me delight on my loan part, keep up the good work and maintain the relationship, I would suggest Apna Loan Bazaar for all your loan requirement."
- Akash Jadav, Amhedabad
"Never Imagined short time of processing of home loan through Apan Loan Bazaar."
- Bupesh Kumar Saxena, Bangalore
"Fast service, exact eligibility information, great effort of Apna Loan Bazaar made me proud House owner, i would like to thank Apna Loan Bazaar Team for a timely service."
-  Khirud Sonawal, Chennai
"Excellent loan services after loan disbursement, monthly EMI reminders and up to date loan outstanding is a really impressive thought and easy accessible of team upon requirement, wishing you all the best for future growth of Apna Loan Bazaar."
- Swapnil, TCS, Mumbai
"Timely loan service and upon follow-ups on free time and convenient approach of the team made ease of my loan disbursement."
- Amarender Reddy, Hyderabad
"I will recommend Apna Loan Bazaar for all loan requirements for its expert services on the field."
- Nidhi Gupta, Delhi
"Availed best interest rate from the bank on my personal loan application with the help of Apna Loan Bazaar, I can recommend this website for loan services."
- YHS Srinivas, Vizag
      Why Apna Loan Bazaar?
  * Multuple loan offers from different bank
    with a Single click

  * Assured  hassle  free  loan process  with
    Apna Loan Bazaar

  * Industry Best Real time eligibility

  * Dedicated Relationship  officer for each
    loan application for smooth process

  * Complete free Loan Assistance/
    guidance throughout loan tenor

  * Lowest possible rate of interest for each
    loan application with Apna Loan Bazaar

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General Mistakes of Credit Cards users

Debt isn't something that just happens coincidentally or accidentally as you go about your daily living. There are certain spending habits(mistakes) that lead to debt. Recognizing these habits now could save a lot of money and stress later. If you want to stop creating more debt and pay off the debt you have, you must eliminate these bad habits.

1. Spending more money than you make

The logical part of you thinks it's impossible to spend Rs. 1,200 each month when your available amount is only Rs. 1,000. Spending more than you make is easier than you think. So easy, you might be doing it without necessarily realizing it. Dipping into savings, borrowing from others, and using credit are the primary ways of spending more money than you bring in.

You can get away with doing this for a few weeks or months, but soon or later, your hole-digging spending habits will catch up with you. Before you know it, your savings is depleted, your credit cards are fully used out, and you can't borrow any more money.

Keep your spending within your monthly income so that you're living within your means and not creating debt. Reduce your spending below your income and use the extra to pay down your debt.

2. Spending money when you don't have

Spending more money than you make is enabled by spending money you don't have or money you are yet to earn(Generally Students or New to Job employees at Initial career). You spend money you don't have by using credit cards and taking out loans. When you use these instruments to pay bills and make purchases, you're creating debt. If you can't repay the debt each month, it will continue to grow, which will harm your credit score.

You can resolve this bad habit the same way you stop spending more money than you make - by reducing your expenses and relying only on your income to pay for your wants and needs.

3. Using credit for ordinary purchases.

You should use cash to make everyday purchases like groceries, gas, clothes, and entertainment. The appeal of credit cards is the ability to pay later for items that you buy now. The caveat is that you're less likely to pay your credit card bill for items that you've already consumed, which most "ordinary" purchases are. Using credit instead of cash is a bad habit, especially when you don't pay your credit card bills in full each month.

Some credit cards have reward programs that let you earn cash, miles, or points by charging more on your credit card. If you choose to maximize your reward earnings by charging more, only charge what you would have purchased with cash and pay off the purchase immediately.

4. Using credit when you have cash

Another bad habit that leads to debt is choosing credit over cash when you actually have the cash. You might want to get the goods (or services) without having to pay for them, but the convenience of holding on to the money in your wallet comes at a cost. Chances are, if you don't want to pay for it today, you're not going to want to pay for it tomorrow.

To change this bad habit, you have to be willing to pay for what you want with the money you've earned. Realize that while you can postpone payment by using credit, you'll end up paying more than if you'd just spent your own cash.

5. Using debt to pay off debt

When you use credit cards to pay off other cards and loans to pay off other loans you're not paying off anything. You're just shuffling your debt around and incurring more debt each time you do so. Balance transfers have transaction fees and most loans have some kind of down payment or origination fee. So when you use debt to pay off debt, you end up worse off than when you began.

Using debt to "pay off" debt might be beneficial if you can transfer a balance from a high interest rate credit card to one with a lower limit. However, you have to be careful that the balance transfer fee doesn't negate the interest savings and that your post-promotional interest rate isn't worse than your previous rate. Transferring a balance once or twice to take advantage of a great rate is different from continually transferring balances to dodge credit card payments.




Following individuals are eligible for personal loan who is having min Salary of 15000 Per month:
    1. Salaried employees
    2. Self employed professionals
    3. Self-employed individuals
    4. Entrepreneurs and business owners


Person should citizen of India and must be above 21 years of age to avail Credit Card. The maximum Age limit should be 55 years.


Required documents/KYC documents to apply for Credit card:


    1. Signed Application form
    2. Two Passport Size Photos
    3. Photo ID - Applicant and Co-Applicant (Any one of the following)
          â€¢  PAN
          â€¢  Passport
          â€¢  Driving License
          â€¢  Voters ID
          â€¢  Employee ID
          â€¢  Photo ID issued by the Central Govt. or State Govt.
          â€¢  Bankers Verification/ Bank Passbook with photograph of account holder attested by bank
    4. Residence Proof – Applicant (Any one of the following)
          â€¢  Passport With Address
          â€¢  Bank Statement With Address
          â€¢  Driver's License with Address
          â€¢  Utility Bill (Not older than 3 months)
          â€¢  Telephone Bill (Not older than 3 months) Ration education
          â€¢  Ration education
          â€¢  Voter's ID
    5. Last 3 Months Bank statement
    6. Income Proof of Co-Applicant
        In case of Salaried Employee (All the following)
          â€¢  Latest 3 Salary Slips or Salary Certificate on Employer's Letterhead
          â€¢  Last 2 year's Form 16 from Employer or Last 2 Year's Income Tax Returns
          â€¢  Any Other Income Proof That is Not Reflected in the Above Documents