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ALL FINANCE STORE is a finance education platform created to help users understand loan products clearly before applying. We explain interest rates, EMI calculation, eligibility rules, required documents, repayment tenure, and risks across different loan categories. Our goal is to help users make informed decisions without promotional bias.

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LOAN CATEGORIES

Personal Loan

Personal loans are unsecured loans used for emergencies, weddings, travel or daily expenses. Interest rates depend on credit score, income stability and lender policy. EMI tenure usually ranges from 12 to 60 months with minimal documentation.

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Home Loan

Home loans are used to buy, build or renovate residential property. They offer long repayment tenure up to 30 years with lower interest rates. Eligibility depends on income, age, employment stability and repayment capacity.

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Mortgage Loan

Mortgage loans allow borrowing against owned residential or commercial property. These secured loans offer higher loan amounts, longer tenure and lower interest rates compared to unsecured loans.

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Car Loan

Car loans finance new or used vehicles with EMI options up to 7 years. Interest rates depend on vehicle type, down payment and borrower profile. Electric vehicles may get special benefits.

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Education Loan

Education loans cover tuition fees, books and living expenses for higher studies. They include moratorium periods and flexible repayment after course completion.

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Student Loan

Student loans are designed specifically for academic expenses with lower interest rates. Repayment usually starts after studies, making them suitable for full-time students.

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Study Abroad Loan

Study abroad loans fund overseas education including tuition, accommodation and living costs. Loan amount and interest depend on country, university and collateral.

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Business Loan

Business loans help companies expand operations, purchase equipment or manage cash flow. They are available for SMEs, startups and established businesses.

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Small Business Loan

Small business loans support shop owners and local enterprises. Funds are commonly used for inventory, rent, salaries and daily operational needs.

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Startup Loan

Startup loans are designed for new ventures and entrepreneurs. They help with product development, marketing, hiring and early-stage operations.

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Working Capital Loan

Working capital loans help businesses manage short-term expenses such as salaries, inventory and vendor payments, ensuring smooth cash flow.

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Loan Against Property

Loan Against Property allows borrowing by pledging owned property. It offers lower interest rates and higher limits compared to unsecured loans.

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Gold Loan

Gold loans are secured loans where gold jewellery is pledged. They provide quick approval, flexible repayment and competitive interest rates.

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Credit Card Loan

Credit card loans allow instant borrowing from the available credit limit. They are quick but generally carry higher interest rates.

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Credit Card EMI Loan

Credit card EMI loans convert large card purchases into monthly installments. Suitable for short-term planned expenses.

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Medical Loan

Medical loans help cover emergency and planned healthcare expenses. They reduce financial stress during treatment and recovery.

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Emergency Loan

Emergency loans provide fast access to funds during urgent situations. These loans usually have quick approval with limited paperwork.

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Debt Consolidation Loan

Debt consolidation loans combine multiple loans into one. This helps reduce EMI burden and simplifies repayment management.

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Payday Loan

Payday loans are short-term loans taken until the next salary. They offer quick cash but usually involve higher interest.

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Salary Advance Loan

Salary advance loans provide funds before payday for salaried individuals. Approval is linked to monthly income.

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Agriculture Loan

Agriculture loans support farmers with crop production, irrigation, equipment and allied activities. Often offered at subsidised rates.

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MSME Loan

MSME loans help micro and small businesses expand operations and improve cash flow. Government schemes may offer benefits.

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SME Loan

SME loans support established businesses with flexible funding options for growth, expansion and equipment purchase.

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UK Student Loan

UK student loans finance education in the United Kingdom including tuition fees and living expenses.

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US Student Loan

US student loans help fund higher education in the United States. They usually offer higher loan limits based on university and course.

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Government Loan

Government loans are backed by official schemes and often provide lower interest rates and relaxed eligibility conditions.

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Mudra Loan

Mudra loans support micro and small businesses under PMMY scheme. They are offered without collateral.

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Secured Loan

Secured loans require collateral such as property or gold. They usually offer lower interest rates and higher loan amounts.

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Unsecured Loan

Unsecured loans do not require collateral. Approval depends on income, credit score and repayment history.

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Auto Loan

Auto loans finance cars and other vehicles with flexible EMI tenure and competitive interest rates.

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Why Choose ALL FINANCE STORE?

Frequently Asked Questions

Q.What credit score is required for loans in India?
ANS-Most banks prefer a score of 700 or above.
Q.How is EMI calculated?
ANS-EMI depends on loan amount, interest rate and tenure.
Q.Are secured loans cheaper than unsecured loans?
ANS-Yes, secured loans usually have lower interest rates.
Q.Does ALL FINANCE STORE provide loans?
ANS-No, we only provide educational information.
Q.Is this information updated?
ANS-Yes, content is reviewed and updated regularly.

About the Author

Content is written and reviewed by the ALL FINANCE STORE Editorial Team, with experience in banking, NBFC lending and personal finance research. Information is compiled using RBI guidelines and public bank disclosures.

Last Updated: January 2026

Disclaimer

ALL FINANCE STORE is an informational finance education website. We do not provide loans, credit cards or financial advice. Loan terms, interest rates, eligibility and EMI depend on lender policies. Always verify details from official bank or NBFC sources before applying.