#Online consumer loan #Online #consumer #loan

Online consumer loan

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Consumer Durable Loan

Offers

Celebrate your new buy,
by taking home a discount voucher.

Avail a Consumer Durable Loan and gets discount vouchers up to 5,000 *

THE EASY BUY CARD WAS ALWAYS CONVENIENT.
NOW, ITS FREE.

Get a refund of 338 , which is your Easy Buy Card fee on your second purcahse of Consumer Durable. Make sure you use a Capital First Consumer Durables Loan.

Celebrate your new buy, by taking home a discount voucher.

Avail a Consumer Durable Loan gets and discount vouchers up to 5,000.*

THE EASY BUY CARD
IT WAS ALWAYS CONVENIENT.
NOW, ITS FREE.

Get a refund of 338 , which is your Easy Buy Card fee on your second purcahse of Consumer Durable. Make sure you use a Capital First Consumer Durables Loan

• Features & Benefits
• Eligibility Criteria
• EMI Calculator
• How to Apply
• Documents Required
• Products Covered
• Testimonials
• Help

Consumer Durable Loan Features & Benefits

Capital First’s Consumer Durable Loan has the potential to make dreams turn into reality. We understand that you may need brand new appliances and electronics when you move your home or are relocating for work. Our consumer durable finance is centred on your needs. Here are some key features.

Easy Consumer Durable Loans

With loans ranging from Rs. 5,000* to Rs. 5 lakhs you can purchase anything from an air conditioner to a mobile phone, and more. Loans are available at No Cost EMI and minimal documentation. There is no need for any security deposit on our Consumer Durable Loans.

Instant Online Approval

Know your eligibility to get finance for consumer durables in less than 2 minutes with Capital First’s instant loan approval online. Our online Consumer Durable Loan makes the application process simple, quick and easy.

Flexible and Long Tenures

Capital First gives durable loans with tenures maximum up to 36 months. This means you can buy the product of your choice and repay in monthly instalments according to your convenience.

Nil Foreclosure Charges

In case you want to pay your loan before the tenure, you have the option to foreclose your Consumer Durable Loan anytime without paying any additional charges.

Easy Buy Card

No need to carry physical card, just quote your Registered Mobile number and get an instant consumer durable loan.

*Terms and Conditions Apply

Consumer Durable Loan Eligibility

Capital First’s Consumer Durable Loans can be used to purchase a wide variety of goods like air conditioners, televisions, refrigerators, laptops, smart phones and much more. Now, you no longer need to gather cash to make these big purchases; simply apply for a Consumer Durable Loan from Capital First and buy what you have always wanted in easy monthly instalments. Below is the durable loan eligibility you need to meet in order to get a loan.

Capital First’s Consumer Durable Loans can be used to purchase a wide variety of goods like air conditioners, televisions, refrigerators, laptops, smart phones and much more. Now, you no longer need to gather cash to make these big purchases; simply apply for a Consumer Durable Loan from Capital First and buy what you have always wanted in easy monthly instalments. Below is the durable loan eligibility you need to meet in order to get a loan.

• Age Criteria:
• 1. New Customers: An individual between 21 and 65 years
• 2. Existing/EBC Customers: An individual between 21 and 68 years

EMI Calculator For Consumer Durable Loan

Looking to buy a new fridge or a television, or any other consumer durable? Get all the consumer durables that you desire using Capital First’s Consumer Durable Loan. Using the emi calculator for Consumer Durable Loans, you will be able to calculate the exact amount you will have to pay each month for your purchases. Simply input the loan amount you desire, the interest rate and the tenure, and the calculator will display the EMI amount in an instant. Don’t delay your purchases! Go ahead and make your life easier with our Consumer Durable Loans!

Interest Rate (In Percentage)

Apply For Consumer Durable Loan

Easy application process

Know your eligibility for a Capital First Consumer Durable Loan instantly! All you have to do is visit our website here and fill out the online application form. In a matter of minutes, you will know if your Consumer Durable Loan has been approved or not.

Walk in to your nearest dealership

We are present at most of the dealerships across India. After you apply for a Consumer Durable Loan online and have received an approval, you can just walk into any dealership with your loan approval ID.

Go home with your favourite product

Submit your basic documentation at the dealership along with the loan approval ID and walk out with the product of your choice.

Consumer Durable Loan Documentation

We offer Consumer Durable Loans to purchase a wide variety of appliances, durable and electronics. The application process is simple and easy. You can purchase a television, refrigerator, washing machine, smart phone and a lot more by simply submitting some basic documentation at any of our dealerships.

No Documents are required if your Aadhaar Number is Linked with your Registered Mobile Number. However, if the number is not linked then below documents are mandatory.

• KYC Documents (Government issued ID Cards and Address Proof)
• One cancelled cheque
• ECS mandate duly signed
• One passport size photograph

Identity Proof: A copy of any one document mentioned below.

• Passport
• Pan Card
• Aadhaar Card
• Voter Identity Card
• Driving License

• Passport
• Pan Card
• Aadhaar Card
• Voter Identity Card
• Driving License

Residence Proof A copy of any one document mentioned below.

• Ration Card
• Passport
• Bank Account Statement
• Aadhaar Card
• Driving License
• Electricity Bill
• Telephone Bill

• Ration Card
• Passport
• Bank Account Statement
• Aadhaar Card
• Driving License
• Electricity Bill
• Telephone Bill

Products Covered

Non Digital Products

• Panels
• Washing Machine
• Refrigerator
• Air Conditioner
• Dish Washer
• Chimney
• Water Purifier

• Audio/ Home Theatre Systems
• Microwave
• Atta Maker
• Air Purifier
• Air Coolers
• Vacuum Cleaners
• Kitchen Appliances

Digital Products

• Smart Watches
• Smart Bands
• Smartphone
• Desktop
• Laptop
• Printer
• Tablet

• Handycam
• Projector
• Camera
• Camera + Lens
• Monitor
• Cool Pix
• DSLR

Consumption Finance

New Customer

• Furniture
• Modular Kitchen
• Cook Tops & Hubs
• Recliners
• Smart Homes
• Holiday Packages

Existing EBC Customer

• Laptop Peripherals/ Accessories
• Supermarket Purchases
• Health & Beauty Packages
• Skin Care Packages
• Camera Lenses
• Tyres
• Gym/ Health Club/ Wellness Centre Memberships
• Watches
• Sports Equipment
• Automobile Accessories

• Educational Packages
• Opticians
• Home Furnishings
• Cycles
• Dental Treatments
• CNG Fitment
• Tickets
• Hearing Aids
• Hotel Bookings
• Apparels

You are in good company

Our customers just love us..

Recently bought a brand new smartphone with zero cost EMI from Capital First. Super happy with the ease and smoothness of the experience

Buying a refrigerator was going to be difficult without the loan from Capital First. I am very happy and will surely recommend Capital First

Bought a TV and then a washing machine with loans from Capital First. Will always take this option while buying products.

Questions? We are happy to help you

About Consumer Durable Loan:

1. What is a Consumer Durable Loan?

2. For which items can I avail a Consumer Durable Loan?

3. Why should I take a Consumer Durable Loan?

4. How can I avail a Capital First Consumer Durable Loan?

5. What are the terms and conditions associated with Consumer Durable Loans?

Eligibility

6. Who can apply for a Capital First Consumer Durable Loan?

7. I want to purchase a durable item; what kind of loans do you provide?

Non Digital Products

• Panels
• Washing Machine
• Refrigerator
• Air Conditioner
• Dish Washer
• Chimney
• Water Purifier

• Audio/ Home Theatre Systems
• Microwave
• Atta Maker
• Air Purifier
• Air Coolers
• Vacuum Cleaners
• Kitchen Appliances

Digital Products

• Smart Watches
• Smart Bands
• Smartphone
• Desktop
• Laptop
• Printer
• Tablet

• Handycam
• Projector
• Camera
• Camera + Lens
• Monitor
• Cool Pix
• DSLR

Consumption Finance

New Customer

• Furniture
• Modular Kitchen
• Cook Tops & Hubs
• Recliners
• Smart Homes
• Holiday Packages

Existing EBC Customer

• Laptop Peripherals/ Accessories
• Supermarket Purchases
• Health & Beauty Packages
• Skin Care Packages
• Camera Lenses
• Tyres
• Gym/ Health Club/ Wellness Centre Memberships
• Watches
• Sports Equipment
• Automobile Accessories

• Educational Packages
• Opticians
• Home Furnishings
• Cycles
• Dental Treatments
• CNG Fitment
• Tickets
• Hearing Aids
• Hotel Bookings
• Apparels

8. What is the rate of interest on a Consumer Durable Loan?

9. Will I be charged a penalty if I foreclose my Consumer Durable Loan account?

10. Are there any benefits of taking a Consumer Durable Loan from Capital First?

11. Can I buy anything I want with a Consumer Durable Loan?

Non Digital Products

• Panels
• Washing Machine
• Refrigerator
• Air Conditioner
• Dish Washer
• Chimney
• Water Purifier

• Audio/ Home Theatre Systems
• Microwave
• Atta Maker
• Air Purifier
• Air Coolers
• Vacuum Cleaners
• Kitchen Appliances

Digital Products

• Smart Watches
• Smart Bands
• Smartphone
• Desktop
• Laptop
• Printer
• Tablet

• Handycam
• Projector
• Camera
• Camera + Lens
• Monitor
• Cool Pix
• DSLR

Consumption Finance

New Customer

• Furniture
• Modular Kitchen
• Cook Tops & Hubs
• Recliners
• Smart Homes
• Holiday Packages

Existing EBC Customer

• Laptop Peripherals/ Accessories
• Supermarket Purchases
• Health & Beauty Packages
• Skin Care Packages
• Camera Lenses
• Tyres
• Gym/ Health Club/ Wellness Centre Memberships
• Watches
• Sports Equipment
• Automobile Accessories

• Educational Packages
• Opticians
• Home Furnishings
• Cycles
• Dental Treatments
• CNG Fitment
• Tickets
• Hearing Aids
• Hotel Bookings
• Apparels

Loan parameters

12. What is the maximum amount that I can get as a Consumer Durable Loan?

13. What documents will I need to secure a Consumer Durable Loan?

14. How can I make an overdue payment on an EMI?

15. How can I swap my ECS mandate?

16. How do I make a payment for foreclosure of a Capital First Consumer Durable Loan?

17. How can I change my email/mobile phone details?

18. How can I update or change my address?

19. Will foreclosure of my Consumer Durable Loan affect my CIBIL score?

20. When will my CIBIL score be updated?

21. When is my EMI due?

22. How can I get my Statement of Account?

23. How do I get my welcome letter?

24. How can I get my repayment/amortization schedule?

25. Can I cancel my application after my Consumer Durable Loan has been approved?

Didn’t find an answer to your question?

26. I have a question that is not listed here; what do I do?

Terms and Conditions Applicable for Consumer Durable Loans.

1. DEFINITIONS

The following terms shall have the following meanings in this Terms & Condition unless the context otherwise

3. RATE OF INTEREST

The Borrower agrees to pay to CFL, any and all taxes, charges, duties as may be levied including stamp duty related to the Product, T & C and the Loan. The Borrower also agrees that the EMI shall automatically increase on account of any incremental tax or levy.

5. PAYMENTS

6. PRE-PAYMENT

7. CONDITIONS

The Borrower shall, prior to the disbursal of the Loan, have utilized his/her own Contribution to the cost of the Product less Loan availed from Capital First. The Borrower shall not transfer the Product to any third party and maintain the Product in good order and condition during the currency of the Loan. The Borrower shall upon change of residence immediately intimate to CFL. The Borrower shall ensure that no part of the Loan is utilized for any illegal, immoral activities, gambling, lottery, speculative activities in nature.

8. BORROWER’S REPRESENTATIONS & WARRANTIES

9. SECURITY

The Loan, interest, additional charges, fees and all other charges including but not limited to the Borrower’s outstanding payable to CFL shall be secured by the Product on which CFL shall have first and exclusive charge.

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