Loan aggregation · across India
Apply once. See every lender whose rules fit your file.
Tell us once what you need. We show you the lenders whose rules your file fits, and follow it to the money.
- One file, not one per lender
- Matched on rules, not on a list
- Followed to disbursement
- loan types in 7 families
- 71
- steps from documents in to paid out
- 6
Tell us what you need
An advisor calls you and opens the application with you.
Start with a popular loan
How your file moves
- Documents in
- Checks
- With a manager
- With the lender
- Approved
- Paid out
- A loan aggregatorNot a lender. Lenders decide and lend.
- Excelero Fintech Private LimitedCIN U67190TG2023PTC170076
- Your consent firstUnder the DPDP Act, 2023.
- Checked before you applyAgainst each lender’s published rules.
Start here
What do you need the money for?
Pick the goal closest to yours. You will land on the loan made for it: what it is, the terms published, and how to apply.
Loans
Popular loans
Each loan has its own page: what it is for, the published terms, an EMI calculator and the questions people ask.
Home
Personal
Business
LAP
Car & vehicle
Education
Gold
More
Every loan type we can help with, in one list.
How it works
From first question to money in the account
Tell us what you need
The loan, the amount, and how to reach you. An advisor calls you and opens the application with you.
State it once
What you earn and what you already owe, put into one file instead of one form per lender.
See who fits
The lenders your file qualifies for, with the reasons the rest did not.
Send what is asked
Documents are requested by name, and each shows whether it has been checked.
Compare the offers
Each lender’s answer side by side, so you can choose.
Follow it to the money
Sanction, then disbursement, with the date each thing actually happened.
Be ready
Keep these ready
Most lenders ask for papers like these. Your lender's checklist on your file is the final word, and you upload everything online from your account.
Identity
Who you are
- PAN card
- Aadhaar, or another government identity paper
- A recent photograph
Address
Where you live
- The address on your identity paper
- If it differs: a recent utility bill, bank statement or rent agreement
Income
If you are salaried
- Recent salary slips
- Bank statements showing your salary
- Form 16
Income
If you earn from a business or profession
- Income tax returns with their computation
- Bank statements
- Business proof and GST returns where you are registered
Why one application
One application, or one lender at a time?
| What matters | One application with LOANZ 360 | One lender at a time |
|---|---|---|
| Your details | With LOANZ 360Stated once, carried to every lender whose rules fit | One lender at a timeMay be asked again at each lender |
| Finding the right lender | With LOANZ 360Checked against each lender’s published rules | One lender at a timeYou may apply and wait to be told |
| Your documents | With LOANZ 360Requested by name, each marked as checked or not | One lender at a timeMay be sent again to each lender |
| Where your file stands | With LOANZ 360Every step shown, to disbursement | One lender at a timeMay mean asking each lender separately |
| Your consent | With LOANZ 360Asked before any check, and changeable | One lender at a timeMay differ by lender |
Know your lender
Banks and lenders, explained
78 profiles of banks and finance companies: who they are, how they are regulated and what they lend. A profile is information, not an endorsement. A lender marked "LOANZ 360 lending partner" is one we can arrange loans from; "Information only" means we describe it from what it publishes.
36
Banks
10
Small finance banks
22
Non-banking finance companies
10
Housing finance companies
Work it out first
What will it cost you each month?
Move the sliders. The instalment and the split between principal and interest update as you go.
- Principal
- ₹45,00,000
- Interest
- ₹38,73,228
Nothing here is an offer; lenders set the final rate.
Good to know
A longer tenure lowers each EMI, but you pay more interest in total.
Try it with the tenure sliderPaying part of a loan early can cut the interest. Check your lender’s terms first.
Prepayment calculatorCompare offers on the APR and the total cost, not on the headline rate alone.
Read about the KFS and APR
Eligibility
How many published products are likely to consider you.
Balance transfer
What moving your loan to a lower rate saves you.
Prepayment
What paying part of your loan early saves you.
Home affordability
How much you could borrow for the EMI you can pay.
Who it is for
One platform, three ways in
For borrowers
- Where each application has got to, and what it still needs from you
- What you borrowed, from whom, and what is due when
- What you have agreed to, and how to change your mind
For partners
- Every file you introduced, and where each has got to
- What you have been credited, what has been paid, and what is still due
- Share a form, and see what each link shows and how long it lasts
For lenders
- The files sent to you, with their papers, checked
- Answers to read and disbursals to report, in one place
- Which of your officers has picked up which file
News
What changed for borrowers
The RBI and the government keep changing the rules on lending and on your data. These posts say what each change means for you.
12 Nov 2026
RBI raises the repo rate to 5.50 per cent: what it means for your loan
The Monetary Policy Committee raised the repo rate by 25 basis points to 5.50 per cent on 7 October 2026. Here is what that can mean for repo-linked loans.
12 Nov 2026
RBI gold and silver loan rules 2025: what borrowers should know
The RBI's Lending Against Gold and Silver Collateral Directions, 2025 cover valuation, loan-to-value limits, return of your gold and auctions. A guide for borrowers.
12 Nov 2026
RBI Digital Lending Directions, 2025: what it means for borrowers
The RBI's Digital Lending Directions, 2025 bring together its rules on digital loans. See what they mean when you borrow through an app or a loan platform.
Local knowledge
Borrowing in Hyderabad and Telangana
Stamp duty, land records, layout and building approvals and state schemes change what a lender asks for. These guides are written for borrowers in Telangana.
All guides- Home Loan in Hyderabad: Approvals, Documents and Property Checks
- Loan Against Property in Hyderabad: Title, Approvals and Valuation
- Business Loan in Hyderabad and Telangana: Udyam, GST and Documents
- Personal Loan in Hyderabad: Eligibility, Documents and Safe Borrowing
- Stamp Duty and Registration in Telangana for Property Buyers
- HMDA vs DTCP Approval for Home Loans in Telangana
- Encumbrance Certificate in Telangana: How to Get and Read One
- Telangana MSME Schemes: T-PRIDE, T-IDEA, TG-iPASS and Central Schemes
Learn first
Know the answers before you apply
Plain-language guides from the LOANZ 360 team on the questions people ask before they borrow.
Why loans get rejected, and what to do about it
Rejections usually trace back to a handful of causes: credit history, income, documents, the asset or a mismatch with the lender. Here is each cause, the fix, and when to reapply.
Credit score and credit report: how to understand and improve them
A credit score (CIBIL or another bureau) is a three-digit summary of the credit report behind it. Learn what shapes it, how to read the report, and what actually helps.
Loan eligibility and FOIR: how lenders decide how much you can borrow
Lenders ask whether the new EMI fits your income after your existing obligations. FOIR is the ratio they use. Learn the sums, the other factors and how to improve your position.
Flat vs reducing interest rate: how to tell what you really pay
The same quoted number costs far more as a flat rate than as a reducing-balance rate. This guide shows the arithmetic in rupees and how to compare loans properly.
Key Fact Statement (KFS) and APR: read the real cost
The Key Fact Statement is a one-page summary of a loan's real terms. The APR in it is the number to compare. Learn each part and the questions to ask.
Digital lending safety: how to spot fake loan apps and protect yourself
Practical checks for borrowing online, the protections in the RBI Digital Lending Directions, 2025, and where to complain.
About us
The company behind LOANZ 360
LOANZ 360 is a loan aggregator. It is not a lender: lenders decide, price and pay out. This is who you are dealing with.
- Company
- Excelero Fintech Private Limited
- Registration (CIN)
- U67190TG2023PTC170076
- Registered office
- Flat No.101, Avantika's Dhruva, Raghavendra Colony, Kondapur, Hyderabad, Telangana
Questions
Questions people ask
What is LOANZ 360?
LOANZ 360 is an online loan comparison and application platform. You share your details and agree to a clear consent notice. We compare your details with partner banks and NBFCs, show how your file may look to a lender, and follow your application until the lender pays out. LOANZ 360 works for its partner lenders as a lending service provider. It does not lend money itself.
Is LOANZ 360 a lender?
No. LOANZ 360 is a loan aggregator, not a lender. Every loan is decided, priced, sanctioned and paid out by the lender, and the money goes into your own bank account. We help you compare, prepare and apply, and one advisor follows your file. The loan agreement is between you and the lender.
How does LOANZ 360 match me with lenders?
After you share your details and give consent, we compare them with each partner lender's published eligibility criteria before any application goes to a lender. This way you apply only where you are likely to qualify. You then choose where to apply. The match is a guide. The lender makes the final decision.
Does checking my eligibility affect my credit score?
This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. That is why we compare your details with lenders' criteria before any application is sent. Checking your own credit score does not lower it. Bureau and identity checks run only under a consent you have given.
Who decides whether I get the loan and on what terms?
The lender decides. It approves or declines the application, sets the amount, tenure, interest rate and charges, sanctions the loan and pays it out. LOANZ 360 does not decide, and an advisor cannot promise an outcome. Ask each lender for its Key Fact Statement and compare offers on the APR before you accept.
Which banks and NBFCs does LOANZ 360 work with?
Our partner banks and NBFCs change over time, so we do not list them in answers like this one. See Our lending partners on this site for the current list. Each lender decides its own eligibility, rates and charges. Current rates are shown on the interest rates page.
How long does a loan application take?
It depends on the loan type, how complete your documents are, and the lender's own checks, valuation and legal review. We do not promise a time. What we do is show the status of your file in your account, so you can see which step it has reached and what is still needed from you.
What documents will I need?
Usually proof of identity and address (KYC), your PAN, bank statements and income proof such as salary slips or returns. Secured loans add papers for the property, vehicle or gold. The list depends on the lender and the loan. Your account shows exactly which documents are requested, so you upload only what is needed.
Ready when you are
Tell us the loan you need and how to reach you, and an advisor will call you. They open the application with you and carry it to the lenders whose rules it fits.