✓RBI Digital Lending Directions, 2025 — aligned
✓DPDP Act 2023 — data compliant
✓15+ bank & NBFC partners
✓No hidden charges — full KFS disclosure
India's Loan Transparency Platform

The bank shows you
the EMI.
We show you the truth.

On a ₹50L home loan at 8.5%, you repay ₹1.07 Cr — that's ₹57 lakh in interest, more than the loan itself. We quantify the real cost. Then we show you how to keep more of it.

Show Me My True Cost →Check My Approval Odds
No credit score impact40+ lenders comparedFree advisory
Live Interest Calculator
Total interest you pay the bank
₹54.1 L
That's 108% of your loan — paid extra
You could save with LoanIQ strategy
₹13.9L· 53 months sooner
Loan Amount₹50 L
Interest Rate8.5% p.a.
Tenure20 yrs
Get my full savings breakdown →

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.

Amount
₹50K – ₹50 Lakhs
Rate From
10.50% p.a.
Tenure
12 – 60 Months
Disbursal
Same Day
Collateral
None Required
Min. Income
₹20,000/mo
Documents
  • Aadhaar + PAN Card
  • 3 months salary slips
  • 6 months bank statements
  • Form 16 / ITR
10.5%p.a. from
₹5L · 36 months EMI₹16,251
Processing Fee0.5% – 2%
Approval24 – 48 hrs
CIBIL Required700+
Apply for Personal Loan →
Tools

Everything you need before you apply.

🎯

Approval Predictor

Find out which banks and NBFCs will approve you — before you apply. Scored against real lender policy data. No CIBIL impact.

Check My Odds →
🧭

Loan Strategy Analyzer

Compare standard EMI, prepayment, lump sum, and overdraft strategies side by side - see which one actually costs less given how you save.

Compare Strategies →
📊

EMI Calculator

Adjust loan amount, rate, and tenure to see your monthly payment and a full principal-vs-interest breakdown.

Open Calculator →
✓

Check Eligibility

Get an instant, FOIR-based estimate of how much you may qualify for - no CIBIL pull, no impact on your score.

Check Eligibility →
🏦

Compare Banks

Compare current rates across lenders, then weigh them against tenure, fees, and flexibility - filterable by loan type.

Compare Rates →
The Numbers Nobody Shows You
114%
Extra on a ₹50L home loan
You pay ₹57L in interest alone — more than you borrowed
5–10 pts
CIBIL drop per application
Every bank you apply to runs a hard enquiry against your score
63%
Borrowers who overpay
Never knew a better rate or prepayment strategy existed
₹80L+
Extra repaid on ₹1Cr loan
20 yrs at 9% — nearly double what you borrowed
The Truth Gap

4 things your bank
won't tell you.

01
Your EMI hides the real cost.
Bank says

₹47,000/mo looks manageable. Sign here.

We show

We show you the ₹57L total interest you're actually paying — before you sign anything.

02
Rate shopping destroys your CIBIL.
Bank says

Apply to multiple banks and see who offers the best rate.

We show

Each application is a hard enquiry that drops your score 5–10 pts. We use one soft check across 40+ lenders.

03
The cheapest rate isn't the cheapest loan.
Bank says

7.9% interest! Lowest in the market.

We show

Processing fees, prepayment penalties, and reset clauses change the math. We compare total cost-of-credit.

04
Your bank has no incentive to save you money.
Bank says

Your EMI is fixed. Nothing to worry about.

We show

Paying ₹5,000 extra/month on a ₹50L loan saves you ₹14L and 4 years. We show you exactly when and how.

How It Works

Sanctioned in 4 steps.

01
Tell Us Your Need

Loan type, amount, and income — takes 2 minutes. No documents yet.

02
We Match Lenders

We identify the 2-3 lenders that best fit your profile - rate, sanction odds, and terms together, not rate alone.

03
One Document Upload

Share documents once. We prepare and submit to all lenders simultaneously.

04
Money in Account

Sanction in 72 hours. Personal loans disbursed same day for eligible profiles.