A loan is a
10-year decision.
Let's get it right.
Most people pick a lender because the rate looks good. But the rate is only part of the story. On a ₹50L home loan at 8.5%, you repay ₹1.07 Cr — that's ₹57 lakh extra. Your repayment strategy, tenure, and prepayment plan can save you lakhs more. We help you see the full picture, for free.
Personal Loan
Unsecured. Fast. No collateral required. Whether it's a medical emergency, a wedding, or a home renovation — get funds in your account within 48 hours of approval.
Documents
- Aadhaar + PAN Card
- 3 months salary slips
- 6 months bank statements
- Form 16 / ITR
Understand your loan before you commit.
Will my application actually get approved?
Find out which banks and NBFCs are likely to say yes — before you apply. Scored against real lender policy data. No CIBIL impact.
Check my approval oddsWhich repayment plan actually costs you less?
Standard EMI, prepayment, lump sum, or overdraft — they all feel similar until you see the numbers side by side. This tool shows you the difference in real rupees.
Run the numbersWhat will my monthly payment actually be?
Adjust amount, rate, and tenure to find an EMI your budget can handle. Includes a full principal vs. interest breakdown so you know what you're really paying.
Calculate my EMIHow much am I likely to qualify for?
Get a FOIR-based estimate without anyone pulling your credit report. No impact on your CIBIL score, no calls until you decide you want to proceed.
Check my eligibilityWho's offering the best rate right now?
Live rates from 40+ banks and NBFCs, filtered by loan type. Helps you know whether the number your bank quoted is actually competitive.
Compare lendersReal people, real outcomes.
We don't have thousands of anonymous reviews. We have a smaller number of families and professionals who let us share their stories.
"We were about to sign with our existing bank at 8.8%. LoanIQ's advisor sat with us for 30 minutes and ran the actual numbers — switching lenders and adjusting our tenure saved us ₹1.9 lakh in total interest. I wish we'd done this before we started property hunting."
"Two banks had already rejected my application and I didn't understand why. In 20 minutes on a call, LoanIQ told me exactly which NBFC had the best approval odds for my profile. I got ₹4 lakhs sanctioned in 3 days without a single branch visit."
"I'd been paying ₹42,000 EMI for two years. LoanIQ ran a balance transfer analysis and showed me I could bring it down to ₹38,500 — that's ₹42,000 a year back in my pocket. They handled the entire transfer, including the NOC from my old bank."
4 things your bank
won't tell you.
₹47,000/mo looks manageable. Sign here.
We show you the ₹57L total interest you're actually paying — before you sign anything.
Apply to multiple banks and see who offers the best rate.
Each application is a hard enquiry that drops your score 5–10 pts. We use one soft check across 40+ lenders.
7.9% interest! Lowest in the market.
Processing fees, prepayment penalties, and reset clauses change the math. We compare total cost-of-credit.
Your EMI is fixed. Nothing to worry about.
Paying ₹5,000 extra/month on a ₹50L loan saves you ₹14L and 4 years. We show you exactly when and how.
From conversation to cash in account.
Tell us your loan type, rough amount, and income. We figure out the rest.
We match your profile to 2–3 lenders by rate, sanction odds, and terms — not rate alone.
Share your documents once, digitally. We prepare the package and submit to all lenders.
Personal loans for eligible profiles: same-day disbursement. Home loans: 72-hour sanction.