September 30, 2022

Best financial affiliate programs to earn money with zero investment

Sep 29, 2022 0

The traditional approach of a business was to manufacture products per the customer’s needs. However, the modern process is to identify the target audience and potential clients, a more effective strategy to boost sales. Today, a business faces competition since all kinds of content are available online. Hundreds of sites are accessible to customers who can go through various products and services and read their reviews.

Referrals can help businesses boost their sales. A referred customer is more likely to complete the product’s purchase and may have a higher conversion rate than a customer who has visited a website through an advertisement.

This is the reason why so many businesses choose to spend heavily on affiliate marketing campaigns. For those unaware of this type of marketing, it involves the business, customer, and affiliate. The affiliate is responsible for promoting the business’s product while making a commission on each sale the business makes through its referral.

Many financial affiliate programs offer reasonable commission rates, but not all are worth your time. Here are some of the best financial affiliate programs in India.

  1. IDFC FIRST Bank MyFIRST Partner Program.

The IDFC FIRST Bank MyFIRST Partner Program is considered one of the best options for earning money online without investment. With this referral program, you can earn over Rs 50,000 every month. You receive a flat 1.5% payout on each loan disbursal through your referral.

  1. Axis Securities Affiliate Program

The Axis Securities Affiliate Program follows the Cost-Per-Lead (CPL) model, wherein it pays a pre-defined price for every single lead generated. You can earn Rs 750-900 for every successful lead. Do note that you need a Demat account to access the app.

  1. IndusInd Saving Account Affiliate Program

IndusInd Bank offers an affiliate program where users can earn about Rs 225-270 with every lead generated. All that you need to do is use your network to open savings accounts in IndusInd bank. Make sure to read all the terms and conditions of this affiliate program to understand how you can earn through online lead generation clearly.

  1. Bajaj Insta EMI Affiliate Program

The Bajaj Insta EMI Affiliate Program is also based on the CPL model. Users can earn about Rs 112.5-135 on a commission basis with every generated lead. Users must fill in their mobile numbers, DOBs, PAN numbers, PIN codes, and addresses. Once this is done, users should update their KYC details.

The referral marketing business is booming because it helps individuals earn a sizable side income. The best part about this is that you can earn money with zero investment, as these financial affiliate programs require no upfront costs to be paid.

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Can freelancers get a personal loan

Sep 9, 2022


A downside of being a freelancer or 1099 worker is that you are fully responsible for business expenses. Paying all the business expenses while managing your costs is difficult. If you are a freelancer or 1099 worker struggling to make ends meet, look into financing and loan options for independent contractors. Freelancers may raise some eyebrows while looking for loans, but getting a loan as a freelancer or 1099 worker is not impossible.

However, you should know the lenders’ requirements before applying for any loan. This helps you qualify and get your loan approved quickly.

Requirements you need to qualify for as a freelancer

Freelancers will face more scrutiny than full-time employees, as freelancers don’t have a fixed monthly income. However, the requirements are like what a full-time worker must face. Here’s a list of required documents or proof you will need to submit:

  • Income proof

Freelancers don’t have a fixed monthly income or pay stubs to submit as proof of payment. Instead, they will need to submit tax statements and business account history to prove they have sufficient funds to repay the loan.

  • Income sources and consistencies

Freelancers don’t always have a steady base of clients. This makes the lenders consider whether you can make the payments on time. They want to see an upward or a continuous curve when they see your client base.

Loan options available for freelancers

There are various loan options for freelancers with decent terms and conditions. Here are some of the best loan options, along with what they may require from you:

  1. Personal loans

For different reasons, personal loans for 1099 employees are a popular choice among freelancers. A personal loan is an unsecured installment loan, meaning the lender won’t ask for collateral. Instead, lenders approve personal loan requests based on the borrowers’ credit score, credit history, and income. Personal loans usually have reasonable interest rates and repayment terms, so they are a safe option for freelancers.

  1. Cash advances

A freelance cash advance allows you to get the money you need if you are a freelancer, self-employed, 1099 worker, or own a small business. You can use it for whatever you need. You pay back the amount you borrow over time.

  1. Small Business Loans

There are a few schemes and programs for small business owners, self-proprietorships, and freelancers to find suitable financing options. You can qualify for a Small Business Administration loan, Paycheck Protection Loan, and even some business credit cards. These options are great if you want the money for business-related expenses only. Avoid them if you want the money for personal expenses.

  1. Payday loans

Payday loans are the trickiest on this list of loan options for freelancers. A payday loan is a short-term loan with a small loan amount cap which you will need to repay before your next payday. Unfortunately, they tend to charge high-interest rates.


Being a freelancer has its perks; from getting more creative freedom over your work to having more control over your working hours, freelancing has many benefits. However, on the flip side, freelancers may encounter some slow months every once in a while. We hope this helps you find suitable loan options if you are struggling financially.

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What is a Convertible Term Life Insurance Policy? – All You Need to Know

Sep 2, 2022

Individuals can obtain life insurance through term policies for a predetermined time frame. Regular term plans provide life insurance and have minimal to no maturity payouts if the policyholder lives longer than the plan’s term.

The term life insurance policy has changed over time to become even more desirable to clients. Nowadays, a lot of people choose convertible term insurance over standard insurance. Let’s examine the operation of these term plans.

Convertible Term Life Insurance Plan: What Is It?

A convertible term plan is just a conventional term plan with the conversion option included. Let’s first define a word plan so we can grasp it better.

A term insurance plan is one in which the insured is secured for a predetermined amount of time at a predetermined sum assured, with payment made only in the event of the insured’s demise. A convertible term plan enables the policyholder to change the plan in the future into any other plan.

Convertible policies, for instance, allow you to go from a term plan to an endowment or whole life insurance plan after five years from when you first bought the policy. Nevertheless, the specifics of how to do so differ from one policy to another and one provider to another.

Convertible Term Life Insurance Plan: How Does It Work?

A convertible option may be provided by the insurer when you buy a term life insurance policy. If you ever require life insurance, this might give you the benefits of permanent coverage. The conversion is not automated, though; you don’t need to convert.

Typically, there is a deadline by which you must convert. Make sure you are aware of the conversion deadline for your insurance. Failure to do so will result in the termination of your term life insurance coverage.

Although there are several varieties of term life insurance, your choices may be restricted if you switch from a term policy. The insurance company could, for instance, only let you transfer to a whole life permanent policy, not a flexible or ubiquitous life permanent policy.

Convertible life insurance might not be advantageous to everyone. Still, some people find it to be a desirable alternative. This may be an excellent choice if:

  • If your kid will require ongoing care well into adulthood,
  • You will always be your spouse’s primary source of support financially.
  • Due to your ill health, you are disqualified for new insurance.

Visit here to calculate term insurance premium.

Benefits of Convertible Term Life Insurance Policy

●      Choice of Add-Ons

Various extras or add-ons for the convertible term plan can improve your coverage. Your standard term plan will frequently include the convertible function as an add-on. You can choose insurance that also covers critical sickness or accidental incapacity. You can receive maturity advantages from various income riders.

●      Flexibility and Affordability

Term plans are frequently chosen over endowment plans because they are more affordable. For roughly Rs.500 per month in premiums, you may receive high life insurance worth over Rs 1 crore. Your premium amount can be paid monthly, quarterly, or yearly. You may fit your other financial commitments around the flexibility.

Final Words

Permanent insurance is best if you have a lifetime dependence, such as a child with special needs. Convertible term insurance, however, can be your second-best option if you cannot afford one or the required level of coverage with a permanent policy. So, decide accordingly.

Click here to know more about Kotak Life Term Insurance Plan:

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How to do bankingin a few clicks?

Aug 26, 2022

Time is precious. Standing in long queues to transfer funds and apply for loans isn’t the best way to use your limited time. Digital savings account accessible with a mobile net banking app is better, as it allows you to conduct all banking activities with a few clicks.

A digital savings account can be opened instantly without the need to visit the bank branch for documentation. However, that doesn’t mean you do not need anything to open a digital savings account. Here are the documents and information required for opening an instant bank account:

  • PAN card
  • Aadhaar card
  • Active mobile number linked to your Aadhaar
  • Active email ID

Alongside these documents, you even require an internet-enabled electronic device like a smartphone, tablet, or laptop with a camera to complete the video KYC process. Let us now know the procedure and benefits of a digital savings account.


How can you open a digital savings bank account?

Download the new mobile banking app from the Play Store or App Store. After downloading, open the banking app and click on the instant savings account opening option.

  • Input the Aadhaar and PAN number to authenticate. Enter the OTP received on your mobile number.
  • Upon successful authentication, you must fill up the details – name, age, gender, address, and family info.
  • Once you enter the details, the bank official will contact you for a video KYC. During the process, you must keep your PAN card handy as the official will take a screenshot of it. Also, the officer will ask a few basic questions to validate your KYC info.
  • After completing your video KYC, your savings account will be opened instantly. Your account number, customer ID and IFSC code will be mailed to you. You will also receive an e-debit card instantly. With all these details, you can bank on mobile.
  • Note that all the physical collaterals such as welcome letters, debit cards and cheque books will be handed over to you via courier or post.

What are the benefits of opening a digital savings bank account?

Digital savings bank accounts are popular because they offer the following benefits:

  • Instant account opening:You can open a digital account in minutes by entering your KYC details.
  • Fund transfer:Digital accounts allow online fund transfers via NEFT, RTGS and IMPS.
  • Instant virtual debit card:Upon opening the digital account, you get access to an instant debit card, which you can use to avail of exciting offers and deals online.
  • Instant transactions:With the banking app, you can open a fixed or recurring deposit account and pay your credit card and electricity bills.

Leading banks, including IDFC FIRST Bank, offer digital savings bank accounts. IDFC FIRST Bank is especially popular as the approval process is quick and hassle-free. You can receive your account credentials within hours if all your details are correct.

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Various Loans to Help You Get Through a Bind or Get Something Started

Aug 15, 2022

Modern finance is dominated by loans. Credit and lending are a huge part of our economy. Without a good credit score and the ability to borrow capital when you need it, you aren’t exactly participating in the modern economy. Digital assets like cryptocurrency have also become a mainstay, but it doesn’t come close to holding the significance that lending and credit do. Whether you are trying to get out of a bind or need capital to start a business, below are various loans that could help you out.

Mortgage Loans

To buy a house you likely need to take out a mortgage. Unless you have enough liquid assets to buy a property in cash, you will likely have to take out a loan. Mortgage loans offer the ability to buy the house and pay the money back in monthly payments. When you buy a house with a mortgage loan, you can own a home over time, but if you need more money in your pocket every month you can take out a home equity refinance loan. This typically puts the property up as collateral to lower the monthly payments. If you can’t make the payments on time, you risk losing the house. If you use mortgage loans carefully, you could create an advantageous situation for yourself.

Debt Consolidation Loans

Debt consolidation is when you apply for a loan that will pay back multiple debts. When you owe money to multiple creditors, you may not know what to pay back first. You will have interest rates for all the different loans and the payments will add up over time. This type of loan will help you pay off all these debts to create a single account with one monthly payment. You will only have to handle one interest rate. While debt consolidation is only a good idea when you are struggling with multiple debts to various creditors, it can come in handy when you need it the most.

Installment Loans

You might be wondering, what is an installment loan? Like the name suggests, it is a loan that you return in fixed rate installments. There are all kinds of installment loans. Whatever type of loan you are looking for, this type of loan is typically used to buy a large item you can’t afford outright. These options can be used for any purpose and are available to borrowers with bad credit or none. If you fail to pay the money back on time, installment loans can get pricey, but when you are on top of it you’ll be able to get the most out of your loan.

Student Loans

Student loans don’t require a credit score. They don’t affect your credit standing. While this is a great benefit to student loans, people often complain about their size of the loan they must pay back. School is expensive. If you establish a plan and understand how to get out of debt as quickly as possible, you will be able to get the most of your student loans.

Personal Loans

Personal loans come in two different kinds—secured and unsecured. Secured loans require that you provide collateral. This is like when you take out a car loan and if you don’t pay the money back, they could repossess the car. You could also put other valuables for collateral. Unsecured loans don’t require collateral, but it does require a good credit score. The terms, amount, and interest depend on your credit score. Personal loans are a common form of lending.

Business Loans

Business loans can be public or private, and the terms vary a lot. A private loan from a bank or another lender can be advantageous if the lender likes your business model and idea, but if they don’t the interest can be quite high. Public loans like government subsidies can benefit the creation of small businesses. It depends on what you are trying to get started, but you should always hop around for your business loans. You just might be able to find the right loan to start your business.

Whether you’re trying to get out of debt or trying to start a business, there are plenty of loan options for your particular situation. The most important thing is to think about what you need to get out of the loan and how you can use it to your advantage. Just make sure to pay the money back on time and you will get the most out of lending!

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How To Get Reminders For Your Vi Postpaid Bill Payment?

Jul 27, 2022

If you ever plan to get a Vi postpaid connection, you better understand the importance of paying your bills on time beforehand. Because once you’re in it, you wouldn’t want to miss the due date. And if you do miss it, that results in a late payment charge. And we all know that nobody likes paying fines.

Our friends who already have a Vi postpaid SIM very well know what we’re talking about. Paying those late charges ain’t no fun. So, make it a point that your Vodafone bill payment aka your Vi bill payment is done on time. To do so, it might be crucial to get timely reminders. And today, that’s what we’re here to talk about.

Set A Reminder On Your Phone

The easiest way to remind yourself of your due date is by keeping reminders on your phone. So, when it’s the end of the billing cycle and the time for you to make your Vi postpaid bill payment has come, you’ll get reminders on your phone to ensure that you pay your dues on time.

For this, first, you ended to understand your billing date. Usually, you get your postpaid bills on the exact same date every month. So, keep a reminder on that date, and then keep another reminder after a few days, just in case you forgot or couldn’t do it the first time, then keep a final reminder a day before the due date. That’s it, you’re sorted for every billing cycle.

Get Reminders Via Payment Apps

Now, if you don’t trust yourself with mobile reminders or need a more regular, firm reminder regarding your postpaid bill payment, then try paying your bills via payment apps. They usually send multiple reminders between the bill generation date and the due date.

For example, our favourite platform for Vodafone bill payment aka Vi bill payment is Airtel Payments Bank. And this is not just because of the lucrative offers you can find on the platform, but also because of the ease and safety of transactions, combined with regular reminders for bill payments and recharges.

All you have to do is pay your Vi bill once via Airtel Payments Bank, and then onwards, every month, you will get multiple reminder notifications right from the moment your bill is generated. You can also use Airtel Payments Bank to do your Vi recharge online.

Setup Auto Pay On Your Payment App

Now if you’re someone who despite multiple reminders ends up missing your last date due to one reason or another, Auto Pay might be the only solution for you. Auto Pay is exactly as it sounds, it automatically pays your postpaid bills every month, ensuring that you never miss a due date.

All you have to do is activate Auto Pay from your Vi app or website. For this, first, provide your Vi mobile number and credit card that you wish to charge for every bill payment. Now, set up a standing instruction. That’s it, from the next billing cycle onwards, your registered card will be automatically charged for your Vi postpaid bill amount.

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Eligibility Criteria and Documentation Process for a Home Loan

Jul 8, 2022

It’s essential to meet the eligibility criteria for a home loan and provide all the required documents to show your reliability and satisfy the lender. But before that, you need to assess your creditworthiness yourself. For that, ensure to have a credit score of or above 750. It can also help you get industry-best housing loan interest rates.

Steps to Take Before Checking Eligibility Criteria and Documents Required

First, you need to choose a reputed lender and see the home loan benefits it offers. A top lending bank offers these benefits:

  • Tailor-made loans with basic documentation
  • Higher eligibility for salaried and self-employed applicants
  • Digital process for loans up to ₹5,00,00,000 and repayment tenure up to 30 years
  • Lowest home loan interest rates
  • Up to 100% top-up at the same rate as that of balance transfer
  • An additional top-up facility according to your repayment track record
  • Balance transfer from all NBFCs, HFCs and banks
  • Legal report waiver for balance transfer from leading NBFCs and banks

Eligibility Criteria to Apply for a Home Loan

You must meet the eligibility criteria specified by the lending bank to qualify for a home loan. So, check the criteria on the official website of the bank and make sure that you meet the same.

At some banks, the eligibility criteria for self-employed borrowers are:

  • They should be Resident Indians only.
  • Their age must be between 23 and 70 years.
  • They must be running their businesses for at least 4 years now.
  • They should earn at least ₹1,50,000 per year.
  • They must choose a loan tenure between 12 and 300 months.

For Salaried Individuals:

  • They need to be Resident or Non-Resident Indians.
  • Their age should be between 21 and 60 years.
  • They must have at least 3 years of corporate experience
  • They should earn at least ₹1,00,000 per year.
  • They must choose tenure between 12 and 360 months.

Once you meet the eligibility criteria, you can go ahead to apply for the loan. Ensure to choose a suitable tenure within your eligibility on a house loan calculator to prevent your application from being rejected.

Documents Needed to Apply for a Home Loan

Wondering, what documents are required for a home loan application? You usually need to submit the following documents:

  • Valid identity proof
  • Valid address proof
  • Valid business proof (for self-employed applicants)
  • Valid income proof:
    • For salaried applicants: Bank statement for the last 6 months, Form 16, the latest ITR or salary slips of the last 2 months
    • For self-employed applicants: Credit card statements or bank statements for the last 6 months, GST return, P&L statement, balance sheet or the latest ITR
  • Valid property proof:
    • Photocopy of chain title documents and draft sale deed, if any
    • Possession/allotment letter
    • A No Objection Certificate from the society and any other documents based on a legal report

Usually, the higher your eligibility, the higher the loan amount you can borrow and the lower the housing loan interest rates you can avail yourself. If needed, you can try boosting your eligibility by adding a co-applicant with a good credit repayment record.

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The Methods of Repairing Your Credit Rate

Jul 6, 2022

There are various ways you can adopt to change your credit history. If your loaning structure is weak and you are known to have a damaged or a poor credit score, typically which is lower than 670, it is considered to be bad. This is something that can hold you back from the things you need. You can take a loan to buy a car, or you can even borrow money to buy your dream home. In this situation, if your credit score is not desirable, it is necessary to learn more and fix up your credit history as required. You can check it out this time and learn well about how you can improve your credit rating.

Checking the Credit Report 

You can correct the source then and have the standard and the proper credit score. The first thing you need to do is to check your credit report and credit score. The credit report that you have will include the details regarding how you have used the credit in the previous ten years. You can hop over here and get to the right place where the reports will be checked by the experts. In this scenario, you can get free weekly credit reports, and there are methods to calculate the credit score you have.

Fixing the Disputes

You can check these guys out and learn how to fix the disputes and the problems that are present in the report already. If the credit report has more than five percent errors, then it will not be possible for you to get a loan in time. If the errors persist, then the loan that you will take will cost you loads. So, once you know that your credit score is good, you should also look for the errors that you can fix and have a credit score that is faultless and perfect.

Making Perfect the Credit Score   

You can visit the site and make use of helpful resources to make perfect your overall credit score. When you are paying the bills on time, your credit score remains fixed and proper. If you want to mend your credit, you need to pay the monthly bills on time. You need to face this challenge in paying the bills on time, and in time you are sure to get the right output. You must pay the medical bills on time, and you can contact the office to keep the bills correct and updated.

Dealing with the Utilization Ratio 

If you want to keep your credit report apt, you must maintain the credit utilization ratio, and it should be under 30%. The utilization ratio is measured by comparing the balance on the credit card. There are lenders to make use of the ratio to make an evaluation to help manage the finances. A ratio of more than 0% and lesser than 30% is considered to be good. You click this site and know things that can help enhance the credit rating with all positive traits and measures. This is how you can hold on to an effective credit score and streamline things using the right attributes.

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What Are The Benefits Of A Slick Cash Loan?

Jun 16, 2022

Whenever you are willing to take a slick cash loan, there are several points that you should have to keep in mind. Whenever you are searching for the best slick cash loans, it would be very beneficial for you the help you will be able to know about slick cash loan. You will be able to get benefits from the end-of-the-cash loans, which are the cash loans where you will not be able to get the unique gifts from the end of the cash loan.

●    You Will Be Able To Get Fast Money.

If you are willing to get fast money, it would be for you to take help from the slick cash loan where you can get payday loan no credit check facility. As a result, you should be able to withdraw the first money, which will be one of the most effective benefits you can access from the end of the cash loan. This is going to be one of the most influential factors by the help of which you will be able to understand the value of the first money, and you will be able to learn more about the cash withdrawal. Once you are looking for payday loans no credit check – instant approval – slick cash loan, reading this will be helpful for you.

●    You Will Get Money For Any Expense.

When searching for the money you can spend on any payment, it would be best for you to use this loan option. You will be able to pay money for any cost, and you will be able to get a good return whenever you take help from the instant cash loan. This will be a cash loan option with the use of which you can get maximum benefits in any situation. So whenever you are searching for the expenses, it would be best to go for the credit approval.

●    It Will Be Qualified Easily.

Whenever you take help from a cash loan, you always have to make sure that you are taking help from the instant cash loan by the use of which you will be able to get maximum returns in your pocket. You will be able to get money instantly in your balance, so you don’t have to think twice about the shortage of money, and you will be able to get money faster. This is denoted as one of the most influential factors you will be able to use so that you will be able to understand if the credit check you are going to use is becoming one of the most helpful options for you. So, if you are willing to get better results, you can get the benefits.

Here are the benefits that you will be able to access from the cash loans. You will be able to get returns from the instant approval, and you will be able to get the benefits from the end of the instant approval. So, when you are willing to get instant approval, this is the thing that you can check.

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Get No Credit Check Loans Easily With The Help Of Slick Cash Loan

Jun 5, 2022

We all come across several situations where we tend to run out of money. But you can’t arrange for that extra money then and there. And this is when Sling Cash Loan comes in handy.

In Sling Cash Money, you can apply for a no-credit-check loan online, and the best part is you can get the money on the same day as your application without any delay. Regardless of your past financial history, you can apply for a loan.

When you go for a No credit check loan, the application is easy to follow, like no credit check loans – online approval – slick cash loan.

Types Of No Credit Check Loans Available Online

There are various types of loans that fall under this category of loans. Depending upon the needs of the person, it can vary. The two most popular versions of no credit check loans available in Sling Cash Loan are follows.

Payday Loans

A payday loan is an instant loan that allows you to take out the money when you need it and pay it back within the time frame you have set. Essentially, it’s like an individual loan you can get dependent on your earnings.

Typically, the lender recovers the principal amount plus interest from your wages or salary. Payday loans will often be paid in two weeks and is a simple process with no checks and astronomical interest rates.

Personal Instalment Loans

Personal long-term loans are more favorable conditions and have longer repayment times than payday loans. The loan amount can be repayable over several months, which reduces the monthly installment.

Compared to payday loans, the customer experience is much better when it comes to individual installment loans. It is not necessary to pay everything off in one go, and making smaller amounts at a set period is manageable.

Benefits Of Using Sling Cash Loans

Advantages of Having a No Credit Check Loans choose the mode of repayment depending upon your convenience.

·       Childcare

Maintaining a family is a costly affair; hence you are always running out of cash, making it even more difficult for a bread earner to meet the ends. Hence you can apply for a childcare loan to ensure your child gets a safe and secure future.

·       Medical Expenditure

If you have never met with an accident, then well and good. Still, if you are out of luck, things might not go as per your plan, and you meet a medical emergency and a crisis, and you don’t have medical insurance to support. You can opt for a medical loan; you can always apply for one if you don’t have one.

·       Business Expenses

Setting up a business can be challenging; hence you need some extra money to support your business at the initial level.

·       Clearing Your Existing Loans

If you are laboring to keep up with the installment payments of your past loans, you can apply for a short-term no-credit-check loan to clear off your debts, and then you will be left with only one lone to focus on.

Basic Requirements For No Credit Check Loans.

  1. The person applying for the loan must be 18 years above.
  2. They must have a permanent US address.
  3. Should be able to provide a valid mobile number.
  4. Should be employed in a company with a fixed monthly income.
  5. They should own a bank account for direct deposit of the loan money.
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