Medical requirements
Plan for eligible healthcare and related costs.
Discuss my options
FOR SALARIED PROFESSIONALS IN DELHI NCRLoan After
Loan After
CIBIL Settlement.
How to improve your chances of approval.
If you settle the debt ahead of time, it can affect your future loan applications. Before you take any loan, make sure that you have checked your credit score, income, and capacity to repay the debt.
Minimal documentationSettled accounts can enquireClear loan terms
Loan amount, rate and disbursal are subject to eligibility, documentation and lender assessment.
LOAN AMOUNTUp to ₹15 lakhSubject to assessment
MINIMUM NET SALARY₹30,000 / monthFor salaried applicants
REPAYMENT PERIOD6–24 monthsPlan around your budget
YOUR LOAN TERMSMade clear firstConfirm rates & fees in writing
A LOAN THAT STARTS WITH YOU
Before you take the next step, take stock.
Your settled account can remain on your credit history. Check the state of it, keep settlement records, and evaluate if a new EMI would match your budget.
Thinking about a Loan after CIBIL settlement? Check lender criteria before you apply.
Check your credit report
Check account status and maintain settlement records.
Check out your monthly budget
Compare your revenue against essential costs and existing repayments.
Understanding the offer
Make sure you know the interest rate, charges, repayment period, and terms before taking up a loan.
Seeking help
Make yourself aware about how to apply for your profile.
Settled account does not ensure acceptance. Subject to lender evaluation for eligibility.
FOR SALARIED EMPLOYEES
Your next step starts here.
Minimal documentation. Personal support.
FOR WHAT MATTERS TO YOU
Funding for changing priorities.
Choose an amount you need, not just the amount you can borrow.
Family events
Get ready for big holidays and family occasions.
Discuss my optionsHome repairs
Add in any maintenance or upgrading costs.
Discuss my optionsRepayment management
Compare carefully the alternatives you have before selecting what to do with your current financial responsibilities.
Discuss my optionsPLAN BEFORE YOU BORROW
See what repayment could look like.
Calculate the EMI, interest rate & duration. Add up everything you have to pay back and leave some room for the necessities and the unexpected. Checking whether the credit report shows the true standing of the account and whether there is anything that needs to be disputed with the credit bureau may be another useful point. Always keep records of the communication and settlement as these can help answer the questions. Do not make more than one application as multiple inquiries can affect your profile rating.
₹10,000₹15,00,000
6 months24 months
19.9%26%
Illustrative reducing-balance estimate. Fees, GST and other charges are not included. Your final offer may differ.
YOUR ESTIMATED MONTHLY EMIper month, for 12 months
Principal amount₹ 2,00,000
Total interest₹ 22,208
Total repayment₹ 2,22,208
YOUR CREDIT HISTORY TELLS HALF THE STORYHave you repaid a previous loan?
Have you repaid a previous loan?
Know your alternatives.
Lenders may look at the settlement entry, income, commitments, and repayment capacity for a loan after settled loan in CIBIL. Approval hinges on their standards and verification.
Discuss my profileCredit checks may apply. Approval, rates and terms depend on lender assessment.
01
Current income and employment situation
Income and employment history: Having a steady income and a history of jobs shows that you can repay the loan.
02
Your existing financial commitments
Existing EMIs and day-to-day expenses affect the amount you may comfortably borrow.
03
Updating Your Credit Profile
Credit information, application data and settlement documents may be evaluated together.
PREPARE FOR THE APPLICATION
Get the details that you may require.
Check the lender’s current eligibility conditions before making an inquiry and have the required information on hand.
Eligibility at a glance
- Employment: salaried applicants
- Monthly income: Vintage Finance lists a minimum net monthly salary of ₹30,000
- Location: Delhi/NCR, according to its general published criteria
- Other requirements: confirm age, employment history, and current-employer conditions with the lender
Criteria may vary by product. Confirm current requirements before applying. A lender may ask for further evidence depending on the account and your current circumstances. Be prepared to explain the settlement honestly and provide accurate information.
Documents you may need
Keep records ready to help verify your identity, income, and account history.
- Valid identity proof and PAN
- Current address proof
- Recent salary slips
- Salary-account bank statements
- Settlement confirmation or account records, if requested
Confirm the checklist and share information only through secure channels.
Check my eligibilityREAD TERMS BEFORE ACCEPTING
See the total cost.
Put everything relating to interest rate, fees, taxes, tenure, payoff amount, and prepayment terms in writing.
Speak to us about charges| PARTICULAR | PUBLISHED TERMS |
|---|---|
| Interest rate | 19.9%–26% p.a. |
| Processing fee | 4%–8% + GST |
| Repayment period | 6–24 months |
| Foreclosure charge | 4% |
Your applicable rate, fee basis, taxes, late-payment charges and foreclosure conditions must be confirmed in the written offer. The calculator excludes fees and taxes.
FREQUENTLY ASKED QUESTIONS PRIOR TO APPLYING
A little more clarity.
Thinking of a personal loan for CIBIL settlement cases? Consider these responses before moving on.
+91 98990 55381Can I apply after settling a loan?
You may ask, but approval depends on the lender’s appraisal of your current financial and credit information.
How much can I borrow?
Your eligibility depends on your income, obligations, documentation and appraisal by the lender.
Does a settled account impact approval?
It could impact the decision. Lenders can see the settlement entry together with your existing repayment ability and other information.
What will be the interest rate and tenure?
Ask the lender to write down the rate, repayment duration and other conditions and confirm them.
How long will it take for approval?
The time it takes to process depends on verification and assessment. Confirm the anticipated measures directly with the lender.
Could there be further charges?
Ask for written information of processing fees, taxes and any early repayment or foreclosure charges.
Go with a clearer mind.
Tell Vintage Finance what your situation is and see what they need. Carefully check the terms of any offer and only take out a loan if you can afford to repay it.
