Dhani No EMI Personal Loan 2025: Dhani is a popular online lending platform that offers a variety of financial products, including personal loans. One of the most attractive features of Dhani’s personal loans is the No EMI option.
So, is Dhani really giving personal loans without interest? The answer is yes, but there are a few catches. First, the No EMI option is only available for loans of up to Rs. 25,000. Second, you must repay the loan amount within 90 days. Third, you must have a good credit score to qualify for the No EMI option.
If you meet these criteria, then the Dhani No EMI Personal Loan can be a great way to borrow money for short-term needs.
However, it’s important to remember that you will still have to pay back the full loan amount within 90 days. So, make sure you only borrow what you can afford to repay.
In addition to the No EMI option, Dhani also offers personal loans with interest rates starting at 13.99% p.a. These loans have longer repayment terms, up to 60 months. So, if you need a larger loan or more time to repay, then you may want to consider a traditional Dhani personal loan.
No matter which option you choose, make sure you compare Dhani’s personal loans to other lenders before you apply. This will help you ensure that you’re getting the best possible deal.
Dhani No EMI Personal Loan Benefits
- No interest or processing fees: You don’t have to pay any interest or processing fees on your loan amount. This can save you a significant amount of money, especially if you only need a small loan.
- Quick and easy application process: You can apply for the loan online or through the Dhani app. The application process is quick and easy, and you can get a decision in minutes.
- Flexible repayment terms: You can repay the loan amount within 90 days. This gives you some flexibility if you need to borrow money for a short-term need.
- Health benefits: Customers who avail of the Dhani No EMI Personal Loan are also provided with a Health Subscription that gets them access to unlimited doctor consultations and 50% off on medicines.
Comparison of Dhani No EMI Loan vs Other Dhani Personal Loans
| Feature | Dhani No EMI Personal Loan | Traditional Dhani Personal Loan |
|---|---|---|
| Interest rate | 0% | Starting at 13.99% p.a. |
| Loan amount | Up to Rs. 25,000 | Up to Rs. 5 lakhs |
| Repayment period | 90 days | Up to 60 months |
| Eligibility criteria | Good credit score | Good credit score |
| Fees | Late payment fee of Rs. 500 | Processing fee, interest, and late payment fee |
Disadvantages of Dhani No EMI Personal Loan
- Loan amount limit: The No EMI option is only available for loans of up to Rs. 25,000. This may not be enough for everyone’s needs.
- Short repayment period: You have to repay the loan amount within 90 days. This may not be feasible for everyone, especially if you need a larger loan.
- Good credit score required: You must have a good credit score to qualify for the No EMI option. If you have a bad credit score, you may be able to get a loan from Dhani, but you will likely have to pay higher interest rates.
Dhani No EMI Personal Loan Eligibility
- You must be a resident of India and have a valid PAN card.
- You must be between the ages of 21 and 60 years.
- You must have a minimum monthly income of Rs. 15,000.
- You must have a good credit score.
- You must be able to provide proof of income and identity.
If you meet all of these criteria, then you may be eligible for the Dhani No EMI Personal Loan.
However, it’s important to note that Dhani may still decline your application for other reasons, such as having too much outstanding debt or a recent history of late payments.
Dhani No EMI Personal Loan Apply Online
- Download the Dhani app from the Google Play Store or Apple App Store.
- Open the app and create an account.
- Enter your personal details, including your name, address, PAN card number, and bank account details.
- Upload a copy of your Aadhaar card or other government-issued ID card.
- Select the amount of loan you want to borrow and the repayment period.
- Review the terms and conditions and click on “Apply“.
- Dhani will assess your application and you will receive a decision within minutes.
- If your application is approved, you will need to complete your bank mandate.
- Once your bank mandate is complete, the loan amount will be disbursed into your bank account instantly.
Also Read: Nira Personal Loan: Is Nira Loan app real or fake?
Dhani No EMI Personal Loan Customer Care Number
Dhani No Emi Personal Loans stands out not only for its innovative lending model but also for its commitment to exceptional customer service.
The 0124-6555-555 customer service contact number serves as a direct link between borrowers and knowledgeable representatives, facilitating a smooth and informative borrowing journey.
Is Dhani Giving Personal Loan Without Interest?
Yes, Dhani does offer a personal loan without interest, called the Dhani No EMI Personal Loan. However, there are a few catches.
- First, the No EMI option is only available for loans of up to Rs. 25,000.
- Second, you must repay the loan amount within 90 days.
- Third, you must have a good credit score to qualify for the No EMI option.
If you meet these criteria, then the Dhani No EMI Personal Loan can be a great way to borrow money for short-term needs.
However, it’s important to remember that you will still have to pay back the full loan amount within 90 days. So, make sure you only borrow what you can afford to repay.
Also Read: What is Navi Personal Loan: Is Navi loan app RBI approved?
FAQs
How much can I borrow with a Dhani No EMI Personal Loan?
The maximum loan amount for a Dhani No EMI Personal Loan is Rs. 25,000.
How long is the repayment period for a Dhani No EMI Personal Loan?
The repayment period for a Dhani No EMI Personal Loan is 90 days.
How do I apply for a Dhani No EMI Personal Loan?
You can apply for a Dhani No EMI Personal Loan online or through the Dhani app. The application process is quick and easy, and you will receive a decision within minutes.
Is the Dhani No EMI Personal Loan really interest-free?
Yes, the Dhani No EMI Personal Loan is interest-free, as long as you repay the loan amount within 90 days.
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