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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

See all 71 loans

Ask about a loan
Already applied? Track my application
  • 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.

Loans

Popular loans

Each loan has its own page: what it is for, the published terms, an EMI calculator and the questions people ask.

How it works

From first question to money in the account

Start my application

A file starts with

  • You, onlineAsk on this site or through the chat.
  • Our advisorsAn advisor calls you and opens the application with you.
  • Our partnersA partner brings your file to us.
  1. One fileWhat you earn and what you already owe, put into one file instead of one form per lender, with your consent first.
  2. CheckedA credit check only with your consent. Documents are requested by name, and each shows whether it has been checked.
  3. MatchedThe lenders your file qualifies for, with the reasons the rest did not.
  4. Sent to lendersYour file goes to the lenders whose rules it fits: banks, NBFCs and housing finance companies.
  5. DecidedEach lender’s answer side by side, so you can choose.
  6. Paid outSanction, then disbursement, with the date each thing actually happened.

You see every step: updates in the app, by SMS and by email.

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.

KYC and documents, in full

  • 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

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.

All lenders

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.

₹45,00,000
7.00% p.a.
240 mo (20 yrs)

Monthly EMI

₹34,888/mo

Ask about a loan
Principal
₹45,00,000
Interest
₹38,73,228

Nothing here is an offer; lenders set the final rate.

Good to know

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
    What the borrower portal doesCustomer sign in

  • 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
    Become a partner

  • 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
    Lender sign in

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.

All 4 updates

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

Learn first

Know the answers before you apply

Plain-language guides from the LOANZ 360 team on the questions people ask before they borrow.

All 96 guides

Your data

Your consent comes first

  • Consent before every check

    We ask before any credit check, and you can withdraw your consent at any time.

  • Masked by default

    Personal details are hidden on screen and shown only to the people who need them.

  • Two-step sign-in for staff

    A second step at sign-in is our policy for staff accounts.

Read how we use your data

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.