Cred cash vs idfc first money vs hdfc personal loan

[iamdhamo]

Hi Team,

I see cred cash is at 11.49% then idfc first money is at 13% with reducing interest rate and hdfc personal loan at 11.25% and hdfc also giving loan credit card at 11.04( but for interest we need to pay gst of 18% so not worth)

I m looking for a personal loan of 5 to 10 L

Both cred and idfc gives 5L

Which is best and also I suppose we can negotiate for personal loan

I also will repay the loan mostly soon so thinking if personal loan might really help cos of preclosure charges

 

[Guddi]

Cred cash does not have preclosure charges, check for other two whether they do.

 

[Exewhyzee]

Idfc first money doesn't have foreclosure charges. You may take multiple tranches with different tenures from the available limit.

 

[iamdhamo]

Cred cash does not have preclosure charges, check for other two whether they do.

Idfc also no pre closure n also no processing fee where as the other two have processing fee

 

[iamdhamo]

Processing fee is there for idfc as well 2%

Idfc also no pre closure n also no processing fee where as the other two have processing fee