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Jaivinder Bhandari

Jaivinder Bhandari is a Senior SEO Manager at lendingplate with a passion for writing on a wide range of financial topics, including personal loans, credit and debit cards, investments, money management, and practical financial tips to help people improve their financial well-being. Linkedin Profile

Articles from Jaivinder Bhandari

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Basic Requirements to Qualify for a Payday Loan

Explore how you can qualify for a payday loan without delay. This post mentions the basic requirements to qualify for the loan.

user profile Jaivinder Bhandari
calendar February 04, 2025
consolidate-debt-with-a-personal-loan

Most Common Financial Mistakes to Avoid

Many people often make common financial mistakes and end up worsening their economic condition. Avoiding these errors can help them stay financially healthy.

user profile Jaivinder Bhandari
calendar January 16, 2025
consolidate-debt-with-a-personal-loan

Credit Appraisal - Learn Everything About It

Banks and online lenders prioritize credit appraisal before approving a credit application. The evaluation process helps understand a borrower’s creditworthiness.

user profile Jaivinder Bhandari
calendar January 10, 2025
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What is a Debt Instrument? Learn Everything About It

A debt instrument plays an instrumental role in helping businesses, individuals and Governments to raise capital. Obtain knowledge about it in detail.

user profile Jaivinder Bhandari
calendar January 05, 2025
consolidate-debt-with-a-personal-loan

Personal Loan Refinance - Learn Everything

Planning to consider a personal loan refinance? In this post, it is time to understand everything related to loan refinancing options.

user profile Jaivinder Bhandari
calendar December 27, 2024
consolidate-debt-with-a-personal-loan

How to Finance Small Debts with a Single Personal Loan?

Learn how to finance small debts with a single loan in this post through several tricks and tips and manage your loans effectively.

user profile Jaivinder Bhandari
calendar December 19, 2024
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What is a Flexi Loan - Everything You Need to Know

Learn how a Flexi loan works, offering flexible withdrawal and repayment options, making it a smart choice for managing personal finances.

user profile Jaivinder Bhandari
calendar December 10, 2024
consolidate-debt-with-a-personal-loan

Hidden Charges on Credit Cards: What You Must Know

Explore the hidden charges on credit cards, from late payment fees to foreign transaction costs, and learn how to avoid unexpected expenses.

user profile Jaivinder Bhandari
calendar November 15, 2024
consolidate-debt-with-a-personal-loan

What is Creditworthiness?

Discover what Creditworthiness is and how it impacts your credit score. Learn strategies to save on early credit repayments and manage costs effectively.

user profile Jaivinder Bhandari
calendar October 28, 2024
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What is an Excellent Credit Score? Learn Everything

Having an excellent credit score is boon in personal lending. Here you’ll learn everything about excellent credit score.

user profile Jaivinder Bhandari
calendar October 25, 2024
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Disadvantages of a Low Credit Score in Personal Lending

Explore the disadvantages of low credit scores in personal lending, including higher interest rates, limited loan options, and increased borrowing costs.

user profile Jaivinder Bhandari
calendar October 24, 2024
consolidate-debt-with-a-personal-loan

Moratorium Period: Learn Everything About It

Learn all about the moratorium period, a temporary suspension of loan repayments that helps borrowers manage financial challenges without penalties.

user profile Jaivinder Bhandari
calendar October 23, 2024
consolidate-debt-with-a-personal-loan

Overdraft Facility: Overview, Features, and Benefits

Discover the overdraft facility: learn about its features, benefits, types, and eligibility criteria to optimize your financial management strategies.

user profile Jaivinder Bhandari
calendar October 23, 2024
consolidate-debt-with-a-personal-loan

Real Vs Fake Loan Apps: How to Identify Them?

Learn how to distinguish between real and fake loan apps with essential tips on verification, research, and protecting your personal information.

user profile Jaivinder Bhandari
calendar October 17, 2024
consolidate-debt-with-a-personal-loan

How to Repay Personal Loan After Job Loss

Discover how to repay loan after job loss. We discuss our 9-step plan on how to make informed financial decisions in cases of uncertainty like job loss.

user profile Jaivinder Bhandari
calendar October 18, 2024
consolidate-debt-with-a-personal-loan

Is it Possible To Have a 900 Credit Score?

Discover whether is it possible to have a 900 credit score! In this article you'll learn about higher credit score and it benefits etc.

user profile Jaivinder Bhandari
calendar October 04, 2024
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Loan Restructuring - All You Need to Know

Benefits of Loan Restructuring: Make loan payments more manageable, avoid default, and get back on track financially with loan restructuring.

user profile Jaivinder Bhandari
calendar October 01, 2024
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Difference Between Debt Consolidation and Debt Settlement

Discover what are debt consolidation and debt settlement strategies. Learn strategies to ensure optimal financial and manage costs effectively.

user profile Jaivinder Bhandari
calendar September 25, 2024
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What is Mini Loan - All You Should Know

Explore the world of mini loans in India, including benefits, types, risks, and responsible borrowing practices to make informed financial decisions.

user profile Jaivinder Bhandari
calendar September 23, 2024
consolidate-debt-with-a-personal-loan

Missed a Personal Loan EMI – What to do Next?

Missed a Personal Loan EMI? Learn what to do next to minimize penalties, rectify the situation, and prevent future financial difficulties.

user profile Jaivinder Bhandari
calendar September 23, 2024
consolidate-debt-with-a-personal-loan

Fixed and Floating Interest Rates - Which is Better?

Want to understand everything about floating and fixed interest rates? Let's find out the differences in this all-encompassing post.

user profile Jaivinder Bhandari
calendar September 10, 2024
consolidate-debt-with-a-personal-loan

What Are the Common Myths About Cibil/Credit Score?

Uncover common myths about credit score and learn the truth behind them. Clear up misconceptions to better manage your credit health.

user profile Jaivinder Bhandari
calendar September 10, 2024
consolidate-debt-with-a-personal-loan

Loan Syndication - Learn Everything About It

Discover everything you need to know about loan syndication. Explore its process, benefits, and how it can impact your financial strategies.

user profile Jaivinder Bhandari
calendar August 27, 2024
consolidate-debt-with-a-personal-loan

Why is Travel Good for Mental Health?

Discover how travel can boost your mental health by reducing stress, enhancing creativity, and providing new perspectives on life.

user profile Jaivinder Bhandari
calendar August 09, 2024
consolidate-debt-with-a-personal-loan

Personal Loan for Festival - Offers & Benefits

Celebrate festivals with ease! Get a personal loan for festival expenses with flexible repayment options & festival loans.

user profile Jaivinder Bhandari
calendar August 07, 2024
consolidate-debt-with-a-personal-loan

Prepayment Penalty: What it is and How to Avoid it?

Discover what a prepayment penalty is and how to avoid it. Learn strategies to save on early loan repayments and manage costs effectively.

user profile Jaivinder Bhandari
calendar August 07, 2024
consolidate-debt-with-a-personal-loan

Best Places to Travel in August in India

Discover the best places to travel in August in India, from scenic hill stations to vibrant festivals and offbeat destinations. Plan your getaway!

user profile Jaivinder Bhandari
calendar August 05, 2024
consolidate-debt-with-a-personal-loan

Travel Loan - Interest Rates, Eligibility & Features

Discover the essentials of travel loans: interest rates, eligibility criteria, and key features to make your travel financing smooth and stress-free.

user profile Jaivinder Bhandari
calendar August 01, 2024
consolidate-debt-with-a-personal-loan

What is Unsecured Credit Card? - Learn Everything Here

Discover the ins & outs of unsecured credit cards! Learn how they work, benefits, and risks. Get informed and make smart financial decisions.

user profile Jaivinder Bhandari
calendar July 30, 2024
consolidate-debt-with-a-personal-loan

Preventing Fraudulent Activities in Online Lending

Need to learn about loan fraud activities in online lending? This post describes how to prevent these scams.

user profile Jaivinder Bhandari
calendar July 29, 2024
consolidate-debt-with-a-personal-loan

Why You Should Repay Loan on Time?

Interested in applying for a personal loan? Here's why it is important to repay loan on time. Let's find out the reasons in this post.

user profile Jaivinder Bhandari
calendar July 27, 2024
consolidate-debt-with-a-personal-loan

How to Manage Personal Loan EMI Payments?

Learn effective strategies to manage your personal loan EMI payments. Discover tips for budgeting, timely payments, and reducing debt.

user profile Jaivinder Bhandari
calendar July 24, 2024
consolidate-debt-with-a-personal-loan

7 Tips for Choosing the Right Personal Loan for Your Needs

Looking for a personal loan? Check 7 tips for choosing the right personal loan for your needs and make a financially correct decision.

user profile Jaivinder Bhandari
calendar July 15, 2024
consolidate-debt-with-a-personal-loan

Personal Loan for Unexpected Medical Expenses?

Personal loan is best solution to deal with financial situation specially in unexpected medical expenses. Learn here everything about it.

user profile Jaivinder Bhandari
calendar June 27, 2024
consolidate-debt-with-a-personal-loan

What Happens When You Default on Personal Loan Payments?

Have you experienced a default on your personal loan? Learn the consequences you are likely to face in case of a loan default.

user profile Jaivinder Bhandari
calendar June 07, 2024
consolidate-debt-with-a-personal-loan

NACH Mandate- Everything You Need to Know

Want to learn how the NACH mandate revolutionizes the way people used to handle recurring payments? Here’s how it’s a boon to the Indian finance sector.

user profile Jaivinder Bhandari
calendar June 04, 2024
consolidate-debt-with-a-personal-loan

How to Close Personal Loan Early?

Planning to opt for a personal loan closure process? This post enlightens you on the easy steps to close a personal loan earlier and save money.

user profile Jaivinder Bhandari
calendar May 28, 2024
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What is a Term Loan? Definition, Types and Benefits

Do you know about the term loan? A term loan is a loan amount provided by financial institutions for a specific time.

user profile Jaivinder Bhandari
calendar May 22, 2024
consolidate-debt-with-a-personal-loan

How to Plan for Early Retirement?

Wondering how to plan for early retirement? Here's your all-inclusive guide to follow. Let's find out the tips mentioned here.

user profile Jaivinder Bhandari
calendar May 14, 2024
consolidate-debt-with-a-personal-loan

Ways to Rebuilding Credit Score After Loan Default

Defaulted on your loan? It can negatively impact your credit score and chances of securing a loan in the future. Read on to learn effective ways of rebuilding credit score after default.

user profile Jaivinder Bhandari
calendar May 10, 2024
consolidate-debt-with-a-personal-loan

How to Deal with Financial Anxiety During Financial Crisis?

Do you need to deal with financial anxiety? Read on to discover some effective ways to deal with financial stress during a financial crisis.

user profile Jaivinder Bhandari
calendar May 02, 2024
consolidate-debt-with-a-personal-loan

8 Financial Lessons That Everyone Should Know Before Turning 30s

Wondering how to start planning your financial future? Here are the best financial lessons to learn before turning 30 years.

user profile Jaivinder Bhandari
calendar April 22, 2024
consolidate-debt-with-a-personal-loan

12 Money Management Tips to Improve Your Finances

How do you manage your personal finances effectively? Let's find out the top 12 money management tips in this post.

user profile Jaivinder Bhandari
calendar May 10, 2024
consolidate-debt-with-a-personal-loan

9 Personal Loan Mistakes to Avoid Before Taking Loan

Most of the people make mistakes while applying for personal loan. Here you'll lean about the personal loan mistakes to avoid while applying for loan.

user profile Jaivinder Bhandari
calendar April 12, 2024
consolidate-debt-with-a-personal-loan

The Role of Personal Loans in Financial Planning

Personal loan plays an important role in financial planning. In this post you'll learn about the role of personal loans and how it helps you financially.

user profile Jaivinder Bhandari
calendar April 11, 2024
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The Role of Collateral for Loans

This post helps you understand the role of collaterals in secured loans. Let's find out what collateral loans and its types.

user profile Jaivinder Bhandari
calendar April 03, 2024
consolidate-debt-with-a-personal-loan

How Does a Credit Card Help in Emergency Situations?

Why would you ever use your credit card in emergency situations? Let's find out the different aspects and other considerations in this post.

user profile Jaivinder Bhandari
calendar April 03, 2024
consolidate-debt-with-a-personal-loan

Manage Credit Card Debt: Tips for Responsible Usage

Wondering how to manage credit card debts while using your card responsibly? Welcome to this post, where you can discover effective methods.

user profile Jaivinder Bhandari
calendar April 01, 2024
consolidate-debt-with-a-personal-loan

Important Factors Affecting Interest Rates

Many of you don’t know about the important factors affecting interest rates of a personal loan. In this post you’ll learn everything about it.

user profile Jaivinder Bhandari
calendar March 29, 2024
consolidate-debt-with-a-personal-loan

The Impact of Credit Score on Personal Loan Approval

How much does a credit score impact on personal loans? Let's learn more in this comprehensive post by demonstrating the factors, benefits, and other details.

user profile Jaivinder Bhandari
calendar March 29, 2024
consolidate-debt-with-a-personal-loan

How to Read and Understand Your Credit Report?

You need to understand your credit report before applying for a loan. Let's find out the ways in the following post.

user profile Jaivinder Bhandari
calendar March 27, 2024
consolidate-debt-with-a-personal-loan

How to Avoid Hidden Charges in a Personal Loan?

Planning to opt for a personal loan? Do you understand the hidden charges in a personal loan? Check details from this all-encompassing guide.

user profile Jaivinder Bhandari
calendar March 26, 2024
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What is Peer-to-Peer Lending? Learn Everything About It

What is peer-to-peer lending? In this post you'll learn about the key benefits, risks, and other details about peer-to-peer lending.

user profile Jaivinder Bhandari
calendar March 23, 2024
consolidate-debt-with-a-personal-loan

What is a Secured Credit Card and, How It Works?

Welcome to this all-encompassing post, which walks you through the ins and outs of secured credit card. Let’s learn the crucial things.

user profile Jaivinder Bhandari
calendar March 22, 2024
consolidate-debt-with-a-personal-loan

What are the Documents Required for KYC?

Which KYC documents are required to complete the verification procedure? Here you’ll learn everything about KYC documentation.

user profile Jaivinder Bhandari
calendar March 22, 2024
consolidate-debt-with-a-personal-loan

Ways to Get Instant Personal Loan without CIBIL Score

Want to apply for an instant personal loan without CIBIL score? Here you'll learn about the best ways to opt for a personal loan without CIBIL.

user profile Jaivinder Bhandari
calendar March 21, 2024
consolidate-debt-with-a-personal-loan

Loan Sanction Letter and Its Importance

Are you seeking a housing loan to purchase your dream home? You must learn everything about the loan sanction letter in brief.

user profile Jaivinder Bhandari
calendar March 14, 2024
consolidate-debt-with-a-personal-loan

What is Credit Card Limit – Learn Everything About It

Understanding the credit card limit is integral when buying a credit card. This blog covers a few important aspects that you should know about the credit card limit.

user profile Jaivinder Bhandari
calendar March 14, 2024
consolidate-debt-with-a-personal-loan

Personal Loan Disbursement Process - A Complete Guide

Do you wish to learn about the personal loan disbursement procedure? Here’s a post that lets you discover the ins and outs.

user profile Jaivinder Bhandari
calendar March 13, 2024
consolidate-debt-with-a-personal-loan

Line of Credit vs. Credit Card: Know the Difference?

Are you confused between a credit card and a line of credit? Don't know which one to select – line of credit vs credit card? Let's find out more in this insightful guide.

user profile Jaivinder Bhandari
calendar March 11, 2024
consolidate-debt-with-a-personal-loan

How to Choose the Right Credit Card for Your Needs?

Want to opt for a new credit card to get better instant personal loan deals? Here's a step-by-step guide to selecting a credit card.

user profile Jaivinder Bhandari
calendar March 08, 2024
consolidate-debt-with-a-personal-loan

Best Credit Cards in India 2024

Which is the best credit card right now in India? This blog elucidates on the best credit cards that you should consider in 2024.

user profile Jaivinder Bhandari
calendar February 08, 2024
consolidate-debt-with-a-personal-loan

Credit Card Settlement Process and Its Impact on Credit Score

Are you planning to opt for credit card settlement? Do you know how it negatively impacts your CIBIL score? Let’s find out more in this post.

user profile Jaivinder Bhandari
calendar February 06, 2024
consolidate-debt-with-a-personal-loan

How to Get Out of Credit Card Debt?

Are you credit card holder and have credit card debt? In this guide you’ll learn step by step process to get out of credit card debt.

user profile Jaivinder Bhandari
calendar January 29, 2024
consolidate-debt-with-a-personal-loan

Credit Card Reward Points – How to Earn & Redeem?

Credit card reward points are a convenient way to earn cashback and discounts. Read on to discover the ways in which you can redeem credit card rewards.

user profile Jaivinder Bhandari
calendar January 29, 2024
consolidate-debt-with-a-personal-loan

How to Close or Cancel a Credit Card? - Step - by - Step Guide

Wondering how to close or cancel a credit card with zero balance? Welcome to this post, where you will learn the five simple and easy methods.

user profile Jaivinder Bhandari
calendar January 23, 2024
consolidate-debt-with-a-personal-loan

Financial Planning Tips for Salaried Employees

What's the best financial planning for salaried millennials? This post explains how salaried employees should plan their finances with some easy tips.

user profile Jaivinder Bhandari
calendar January 23, 2024
consolidate-debt-with-a-personal-loan

Best Personal Loan Apps in India 2025

Want to Apply for personal loan? Here is the list of best loan apps in India 2025. These apps are best loan apps with affordable interest rates.

user profile Jaivinder Bhandari
calendar January 30, 2024
consolidate-debt-with-a-personal-loan

Understanding Hard Inquiry and Its Impact on Credit Score

Learn everything about hard inquiry and its impact on credit score. In this post you’ll understand ins or outs of hard inquiry.

user profile Jaivinder Bhandari
calendar January 11, 2024
consolidate-debt-with-a-personal-loan

How Credit Utilization Affect Your Credit Score?

What’s credit utilization? Does it affect your score? This guide describes how credit utilization can impact your credit score and how to keep it low.

user profile Jaivinder Bhandari
calendar December 20, 2023
consolidate-debt-with-a-personal-loan

Personal Loan vs. Credit Cards Loan? Which One is Best

Personal loans and credit cards offer quick access to funds. Learn the difference between personal loan and credit cards here to make an informed decision.

user profile Jaivinder Bhandari
calendar December 14, 2023
consolidate-debt-with-a-personal-loan

Understanding Annual Percentage Rate (APR) and It's Formula

Annual Percentage Rate (APR) represents the yearly cost of a personal loan. Let’s understand about APR and formula to calculate it.

user profile Jaivinder Bhandari
calendar November 08, 2023
consolidate-debt-with-a-personal-loan

How to Get Personal Loans with Low Interest Rates

Personal loan with a low interest rate can be a crucial to deal with financial crises. Here you’ll know the tips to avail personal loan on low interest rate.

user profile Jaivinder Bhandari
calendar November 03, 2023
consolidate-debt-with-a-personal-loan

Credit Utilization Ratio – Definition, Calculation and Tips to Maintain

Let’s understand about credit utilization ratio, how to calculate, what is good credit utilization ratio, tips to maintain and its pros and cons.

user profile Jaivinder Bhandari
calendar November 01, 2023
consolidate-debt-with-a-personal-loan

CIBIL Dispute - Learn Everything About

Understand everything about CIBIL dispute like process, impact and how you can you apply for CIBIL dispute resolution.

user profile Jaivinder Bhandari
calendar September 11, 2023
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The Complete Guide to Urgent Personal Loans

Get fast approval for urgent personal loans. Access funds quickly in times of need. Apply now for swift financial assistance.

user profile Jaivinder Bhandari
calendar September 06, 2023
consolidate-debt-with-a-personal-loan

Loan Settlement - Everything You Need to Know

You want to settle your loan application but don’t know its impact on your credit score. Here, you’ll learn everything about loan settlement.

user profile Jaivinder Bhandari
calendar August 29, 2023
consolidate-debt-with-a-personal-loan

How to Get Instant Loan Approval: Tips and Strategies

Everyone wants to get instant loan approval, but have you ever thought about how to get quick loan approval? Here, we’ll learn about it.

user profile Jaivinder Bhandari
calendar August 25, 2023
consolidate-debt-with-a-personal-loan

Debt Trap — How to Get Out of It?

In this post you’ll know about debt trap, factors that can contribute to the formation of a debt trap and way to get out of it.

user profile Jaivinder Bhandari
calendar August 24, 2023
consolidate-debt-with-a-personal-loan

Small Personal Loans: Learn Everything About It

Want to apply for a small personal loan? Here, you’ll learn everything about personal loans, process to apply, pros and cons of the loan.

user profile Jaivinder Bhandari
calendar August 23, 2023
consolidate-debt-with-a-personal-loan

Loan Default: Causes, Consequences, and How to Avoid It

Loan default happens when someone who borrowed money can't make their payments on time, as agreed in the loan agreement.

user profile Jaivinder Bhandari
calendar July 26, 2023
consolidate-debt-with-a-personal-loan

Powerful Ways to Become Financially Stable

Are you wondering how one can become financially stable? Read this article to learn how to do that and be prepared in case of rainy days.

user profile Jaivinder Bhandari
calendar June 07, 2023
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