Tis that time of the year and Christmas is just around the corner.

As all of us embark on a journey to start a new year in our lives, the occasion has arrived when we choose to gift our friends, family and loved ones precious gifts they can hold on to for a lifetime.

However, although all of us want to gift our loved ones the best that money can buy, more often than not we are constrained by our finances. But luckily for us, this year you have the option of taking out an instant personal loan from ZinCash and use it for purchasing gifts of your choice and avoid a financial hangover once and for all, and in today’s article we will discuss exactly how. Without further ado, let’s get started.

A Personal Loan for Gifting

As you might already be aware, you have the option of utilizing the loan amount from a personal loan for anything you want, be it to pay for your vehicle down payment or gifting your loved ones the best that money can buy this holiday season, and shared below is a step by step process on how you can do the same.

●      Go to the Google PlayStore or Apple AppStore and search for the ZinCash loan app.

●      Download and install the same on your smartphone.

●      Once done, initiate the application process by first sharing your Aadhar linked mobile number, full name and email address.

●      Proceed to the next step and share your personal information, as in your Aadhar card number, your PAN card number, your complete current address and residential address.

●      Click on next and on the following page share your employment type, that is either self employed or salaried. Along with this share other crucial information related to your employment, such as organization name, years of experience, business vintage and above all your monthly in hand income.

●      Click on submit and on the final screen, upload electronic copies of all your documentation such as your last 3 months bank statements, latest salary slip, front and back of your PAN card and your Aadhar card along with address proof if requested by the lender.

Complete the application and await approval from the lender. Once done you can choose a loan amount ranging from ₹10,000 to ₹200,000 and upon approval you will receive the entire loan amount in your bank account within the next 48 hours.

Upon receiving the loan amount in your bank account, the options available to you are quite literally endless. Shared below are some gifting options you can explore by leveraging this loan amount.

Smart phones and Gadgets

Irrespective of the age bracket you tend to gift, electronic gadgets are one gifting arena which does not fail to impress even the choosiest of us. At this time of the year, every leading eCommerce portal in India, right from Amazon to Croma and Flipkart to Tata Cliq is organizing a sale on their catalogue of electronic gadgets and the discounts on each of the items are truly irresistible.

Although a majority of these retailers extend you the option of paying for the cart amount in easy installments, I hope you are aware of the fact that the actual cost of the advertised no cost EMI is indirectly passed to you. However, since you now have the entire loan amount from ZinCash in your bank account, you can pay the full amount in cash, card or UPI and take advantage of extra benefits owing to the full payment.

Thus, you end up not only saving additional money from the interest payment but also gifting your loved ones an item of your choice, all the while conveniently avoiding a financial hangover.

Spice up Their Wardrobe

Next to everyone’s favorite electronic gadgets, you can always rely upon the latest fashion trends across industries as a gifting choice. And coincidentally at this time of the year, all major brands in the fashion industry right from Lakme to Channel and Louis Voutton to Gucci reveal their winter collections and offer delectable discounts. However, one of the shortcomings of gifting fashion items is the added cost of them.

Since these latest arrivals are fresh from the designers, they often arrive with high prices and although some discounts are there, they are often out of our price bracket. But, when everyone else is worrying about either maxing out their credit card or settling for an alternative, you have the advantage of having the entire loan amount from ZinCash right in your pocket. All you need to choose is the gift of your choice and pay directly from your bank account, thus conveniently avoiding a financial hangover and yet acquiring the gift of your choice for your loved ones.

Vocal for Local

Last but not the least, this gifting season, why don’t you divert your attention to shopping locally. Irrespective of the bustle created by online retailers, we all know that some of the best hidden gems are only available when you shop local. However, one common hassle of shopping local is that oftentimes these shopkeepers either do not offer pay later options or lack the facility of accepting your credit card.

The most convenient option of purchasing from local shops both for you and the shopkeeper is to pay in cash and in this age of plastic money, withdrawing cash from your credit card can be an expensive affair to say the least. Combined with high interest rates on cash withdrawals plus the added cash advance fee, credit card cash withdrawals will definitely burn a hole in your pocket. But luckily, you have the entire loan amount you got approved for from ZinCash right in your bank account and all you need to do is swipe your debit card and withdraw the same at no additional cost.

Thus, you avoid high charges associated with credit cards, get to choose an item of your choice from local shops and pay them in full and in cash instantly. Triple benefits delivered.

In Conclusion

As the year comes to an end and all of us begin a new year in our journey, it is important that we avoid financial hangovers in our life and a personal loan in Hyderabad from ZinCash this shopping season, empowers us to do just that. So what are you waiting for? Go ahead and apply for a personal loan from ZinCash today.

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