Who We Are
Personal New to Credit Loan Overview
Are you new to credit? At Nitstone Finserv, we provide solutions designed to support your financial needs. You can apply for a personal loan online with guidance at every step. We offer personal loans for salaried and self-employed individuals, helping you meet personal requirements or fund home renovations. Even if you are new to credit, our team will assist you throughout the process, providing end-to-end support and helping you choose suitable loan options.
Benefits & Features
Guided Personal Loans
Nitstone Finserv provides a convenient and straightforward loan application process. Begin by submitting a basic online form to check your eligibility. Once your application is reviewed, a Nitstone Finserv representative will contact you to guide you through documentation and the loan process. Our goal is to ensure a clear and reliable loan experience tailored to your financial needs.
Flexible Repayment Plans
Personal loans at Nitstone Finserv can be repaid in monthly instalments ranging from 24 to 60 months. Use our EMI calculator to estimate repayment options and select a tenure that suits your requirements. Loan approval and processing are subject to eligibility, verification, and standard approval procedures.
Eligibility & Documents
Documents Required for New To Credit Loans:
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Documents required for New to Credit Loans:
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Residential Address Proof (Passport, Electricity Bill, Ration Card, Driving License, Latest Phone Bill)
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Identity Proof (Passport, PAN Card, Driving License, Voter ID Card)
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Employee ID as proof of employment
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Last three months’ salary slip
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Bank account statement for the last six months
Nitstone Finserv offers New to Credit Loans to salaried individuals. Applications can be completed online from the comfort of your home, with guidance from our representatives throughout the process.
Thinking of travel? You can plan your trips and manage expenses responsibly with a personal loan from Nitstone Finserv.
Ready to Apply
Apply NowHow to Apply
Step 1
Click on Apply to access our online form. Complete the details and submit the application.
Step 2
A Nitstone representative will review your application and contact you to discuss next steps.
Step 3
Provide the required documents for verification.
Step 4
Loan processing will proceed according to standard verification and approval procedures.
Fees & Charges
For instant loan approvals online of upto INR 2 lakh
|
Types of fees |
Charges applicable |
|---|---|
|
Interest Rate |
16 % to 25 % |
|
EMI Bounce Charges |
INR 100 plus GST for every bounce |
| Processing Fee |
1 % to 2 % on Loan Amount |
|
Part Prepayment |
1 % on the paid part payment amount |
|
Foreclosure Charge |
1 % on principal outstanding |
- Foreclosure: charges will be applicable on the current principal outstanding.
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Part payment made should be more than 1 EMI.