Upwards

💰 Upwards is India’s quickest personal loan provider for salaried individuals looking for short-term loans between Rs.25,000 - Rs.5,00,000. 💰

We provide hassle-free personal loans to all job profiles like software engineers, accountants, retail store employees, nurses and more with monthly salary >= Rs.20,000.

💰 Key Points:

- Interest Rates (APR, Minimum to Maximum): 16% to 36% per annum

- Maximum APR: 36%

- Repayment Period (Minimum to Maximum): 6 to 36 months

- Processing Fee: 2-4% of loan amount

Sample APR calculation: For a loan of Rs. 100,000 at 20% interest rate per annum for tenure of 12 months your one time processing fee (@2% of loan amount) will be Rs. 2000 and monthly EMI will be Rs. 9263/-. The net amount credited to you will be Rs 98,000 (post processing fee deduction) and cumulative amount paid back by you will be Rs 1,11,161/- (=Rs 9263 x 12 EMIs), leading to an APR of 24%

- We do not provide any pay-day loans or loans with less than 90 day repayment period in accordance with Google Policy.

- We provide full disclosure about our usage of any customer data and permissions at various points in our app (Sample app user journey -> https://bit.ly/2O770Or, privacy policy -> https://upwards.in/policy)

📝 Prominent Disclosures:

Our Lender:

- Lendingkart Finance Limited (NBFC link https://www.lendingkart.com/partner-with-us/)

🎯 Why Upwards - Quick Personal Loans?

✔️ Quick approvals

✔️ No Paperwork. Everything on mobile app.

✔️ Only PAN, Bank Statement & Salary slip are required.

✔️ Quick loan disbursal in 1 Day

✔️ Minimum interest rate

🔐 Security & Protection of Privacy:

- Protection of your privacy and your data security is a top priority at Upwards. Our technology complies with mandated security standards & robust protocols which have been tested & certified.

- Detailed privacy policy here https://upwards.in/policy

👍 Eligibility:

- Salaried employee > Rs.20000/ month

- Age above 21 years and below 50 years

🏠 Personal Loan Available In Cities:

- Mumbai, Pune

- Delhi, Gurgaon, Noida

- Bengaluru

- Chennai, Coimbatore, Tirupur

- Hyderabad, Secunderabad

- Ahmedabad

- Jaipur, Indore

- 100+ more cities

🤝Upwards Quick Personal Loans are for:

- Home construction & renovation

- Family functions & weddings

- Self-improvement

- Medical emergencies

- Travel

- Two-wheeler purchase

- Electronic Purchases

- Multiple loan repayment

📲 How does Upwards work?

- Download and login

- Fill in your loan requirements and employment details

- Upload your KYC Docs, AADHAAR, PAN and photograph

- Approval will be communicated within 1-2 hours

- After that, we will process the loan agreement and you will get loan amount

✔️ Loan Approval Criteria:

- Income-to-Expense ratio

- Demographics (like Age)

- Professional experience (like employer & total work-ex)

- CIBIL Score > 625

- Purpose of your loan

❌Your loan will be rejected if:

- You provide false information about your income

- Apply for an amount which you cannot afford

- Past EMI payment (Credit) history is not up to the mark.

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