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Secure Instant Credit Line, Small Personal Loan, Bill Payment & PF Balance Check
With Avail Finance – Credit ATM, you can access money on credit anytime anywhere in the form of cash in your account or by scanning QR to pay any vendor.
Now you can get a small-ticket personal loan for your urgent cash requirement. The requested loan amount is available on the go and can directly be transferred to your bank account.
It is simple to use and has a user-friendly interface that makes it easy for customers to apply for a loan. It also reduces the amount of time and paperwork required in the loan approval process.
Avail Finance partners with NBFCs, licensed by the RBI and is totally safe.
Products/Services
CreditATM –
We offer you a credit option like credit cards in a quick and easy way through a Credit ATM. With instant credit line access, be free from any financial stress. Get lifetime credit with a one-time application on the Avail Finance App. The credit line is up to ₹5000 (upgraded on repayments) with just ₹200 activation fee (once a year).
Use the online credit line app to:
● Withdraw cash into your account with 0% interest
● Scan QR code and pay at any shop
● Pay bills at the end of the month
● Monthly usage charge of only ₹75
● Single repayment date
● Grace Period – 14 days
Personal Loan –
Personal loans service is available to seasoned and active CreditATM users. Instant personal loans are available for a tenure of 90 to 270 days at a low interest rate of 1.25% to 3% per month.
Both salaried & self-employed individuals in India can apply for an instant personal loan in minutes using the Avail Finance app.
So what are you waiting for? Download the Avail Finance instant loan app now.
Bill Payments –
Existing users can pay utility bills using UPI, no signup or separate app required. Pay for electricity bills, water bill, DTH, Cable, LPG booking, FastTag, Mobile phone postpaid bills.
Key Features
● Bill payments
● Instant credit line
● One time documentation
● Small-ticket personal loans (पर्सनल लोन)
● Amounts between ₹1000 – ₹40,000
● Low-interest rates
● Direct money transfer
● No physical verifications or visits
● Easy access & application for your convenience
● Flexible repayment schedule
● 100% digital with minimum documentation
● Improve credit score with every repayment
Eligibility Criteria to Apply for Loan
● Indian citizen
● Between the age of 18-60 years
Documents Required
● KYC documents
● Salary bank account details
● Bank account statements
An Example of an Avail Finance Personal Loan
Loan Amount (Principal): ₹16,062/-
Interest Rate: 2.25% monthly Simple Interest
Tenure: 9 Months
EMI Amount: ₹2,146/-
Total Interest Payable: ₹2,146 x 9 – ₹16,062 Principal = ₹3,252/-
Processing Fees (incl. GST): ₹900 (Processing fee @5.6%) + ₹162 (GST) = ₹1062/-
Disbursed Amount: ₹16,062 – ₹1,062 = ₹15,000/-
Total Amount Payable: ₹2,146 x 9 months = ₹19,314/-
Total Cost of the Loan = Interest Amount + Processing Fees = ₹3,252 + ₹1,062 = ₹4,314/-
APR = 35.8%
Interest, Tenures & Specifications
● Monthly interest rate = 1.25% to 3%
● Processing fees = ₹0 to ₹1500
● Minimum period for repayment = 3 months
● Maximum period for repayment = 9 months
● Maximum Annual Percentage Rate (APR) = 42%
NBFC Declaration
Avail Finance acts as a business agent/service provider for the NBFCs licensed by RBI. The NBFCs which use our service are Hindon mercantile limited, NDX P2P Private Limited (Liqui loans), and Fintelligence Data Science Private Limited (Rupee Circle).
