Instant Loan or Credit Card Loan? Decide by Repayment, Not Speed

• Instant loans offer fixed EMIs and clear repayment timelines, suitable for structured, longer-term borrowing needs.
• Credit card loans provide flexibility for short-term needs but demand strict repayment discipline to avoid high compounding interest.
• Both options offer quick disbursal but can have hidden costs like higher interest rates or processing fees; compare total costs carefully.
• The choice between instant loans and credit card loans depends on repayment duration and personal financial discipline.
• Credit score impact is determined by timely repayment behavior, not the type of loan chosen.

Why It Matters: Make informed borrowing decisions for better financial stability.