Calculate Your Personal Loan EMI
When you book your dream holiday on EMI with a Personal Loan, it means you can divide the costs into smaller monthly amounts so you don't feel burdened. When you travel using EMI, you can book your flights, hotels, and tour packages now, and pay back over flexible tenures suitable for you. When you travel on EMI with a loan from Hero FinCorp, you can manage the costs without compromising your savings.
If you need to book international flights, boutique accommodation, or a curated itinerary to travel, the loan simply converts the costs of an expensive trip into manageable, predictable and hassle-free EMIs. That means you can travel to your dream destination without worrying about budgeting.
Some key benefits of the holiday packages available on EMI are:
You can choose the repayment terms between 12 and 36 months, depending on how much you can afford each month.
Cover a larger travel expense and convert it into fixed predictable instalments. Who would not love to go travelling without having to pay the large upfront cost?
Easy online application forms mean you can access your funds and begin booking your EMI holiday packages accordingly.
Fully transparent charges mean you will have no surprises later
Hero FinCorp's holiday on EMI with no credit card requirement is available to employed and self-employed individuals who earn a stable income and have KYC in place. It would all depend on the applicant's income, employment history and credit score. Here is a general guideline for the eligibility requirements for loan :
| Eligibility Criteria | Details |
|---|---|
| Age | 21 to 58 Years |
| Citizenship/Residential Status | Indian Citizen Only |
| Type of Employment | Salaried & Self-Employed |
| Minimum Monthly Salary | ₹15,000 |
| Minimum Work Experience | Salaried: 6 Months | Self-Employed: 2 Years |
Paying for holiday packages using EMI makes luxury travel attainable without a credit card. Hero FinCorp assesses applicants by their income, bank statements and repayment history. Those who earn a stable income and have the KYC details ready can easily apply digitally. Just handy below documents.
Personal loan Interest rates and charges for EMI on vacation packages differ among lenders. Before applying, check processing fees, foreclosure options and penalties for late payments.
| Charge | Details |
|---|---|
| Interest Rate | Starting at 19% p.a. |
| Loan Processing Charges | Minimum 2.5% + GST |
| Prepayment Charges | N.A. |
| Foreclosure Charges | 5% + GST |
| EMI Bounce Charges | Rs 350 |
| Interest on Overdue EMIs | 1–2% of the overdue loan/EMI amount per month |
| Cheque Bounce Charges | Fixed nominal penalty |
| Loan Cancellation | - Online loan application: No cancellation fees - Interest paid: Non-refundable - Processing charges: Non-refundable |
Here’s a stepwise guide to apply for a Personal Loan online.
Go to the personal loan app page on the Hero FinCorp.
Click ‘Apply Now’, enter your mobile number and verify with the OTP received
Choose the loan amount you need
Verify your KYC details to check income eligibility
Click ‘Submit’
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