Personal loans up to ₹30 lakh,
from 11% p.a. from L&T Finance and India's leading banks and NBFCs
Our largest unsecured loan and the lowest starting rate we can place. Apply online, clear Aadhaar KYC, and the money is in your account in as little as 48 hours.
- 48 hoursto disbursal
- Zerophysical paperwork
- 60 monthsmaximum tenure
- 1Apply onlineYour details, your job and how much you need
- 2Aadhaar e-KYCVerify who you are from your phone
- 3Bank checkIncome and account confirmed electronically
- 4e-MandateSet up auto-debit for your EMIs
- 5Money inCredited to your account, often in minutes
- Start nowOpens L&T Finance
This is L&T Finance's own digital process, start to finish. Rate, limit and tenure are set by them once they assess your file, so the figures here are indicative rather than an offer. Applying opens their secure journey through our Urban Money partnership.
State Bank of India
HDFC Bank
ICICI Bank
Axis Bank
Kotak Mahindra
Bank of Baroda
Punjab National Bank
Canara Bank
Union Bank of India
IDFC FIRST Bank
IndusInd Bank
Yes Bank
Federal Bank
AU Small Finance Bank
L&T Finance
Tata Capital
Bajaj Finserv
Aditya Birla Capital
Piramal Finance
LIC Housing Finance
PNB Housing
Muthoot Finance
Shriram Finance
Hero FinCorp
Poonawalla Fincorp
Aavas Financiers
Unity Small Finance
Prefr
Zype
CreditSea
FatakPay
CASHe
IndifiNot sure L&T Finance is your best option?
It is our flagship, but it will not suit everyone. Answer seven questions and see what every lender on our panel will do for you, side by side, before any of them looks at your credit file.
How the two-minute check works
You won't wait for a callback. The check runs as soon as you submit it, using the eligibility rules each lender publishes.
Answer seven questions
It takes about two minutes and you don't need any documents. We check what you tell us against the rules every lender publishes.
See what each lender offers
You get the amount, rate, EMI and tenure from every lender that says yes. If one says no, we tell you why.
Apply online
Pick an offer and finish on the lender's own secure site. KYC and bank verification happen online. There is nothing to print or post.
Get your money
Most pre-approved personal loans are credited within 48 hours. Our fastest lender can do it in about two.
A straight, safe way to borrow
No hidden steps and no surprises. Here is exactly what you are dealing with.
We are an authorised channel partner, so your application goes into a lender's live pipeline — not a form that sits in an inbox.
Every offer comes from a bank or NBFC regulated by the Reserve Bank of India. We place you with no one else.
The two-minute check reads each lender's published rules. It never touches your credit file, so there is no enquiry and no dent to your score.
Aadhaar e-KYC and bank verification happen online, on the lender's own secure journey. There is no paperwork to get started.
We are a call centre in Orai, Uttar Pradesh. Ring us Mon to Sat, 9:30 am to 6:30 pm and talk to a person, not a bot.
We use what you tell us to place your enquiry with the lenders you choose. That is all it is ever used for.
Lenders you can apply to right now
You can complete any of these applications online today. Decisions are quick, KYC is digital, and money usually arrives within a day or two.
Our flagship personal loan. The biggest amount and the lowest starting rate we can place.
India's largest private bank, and the cheapest money we can place for a clean salaried file.
Big amounts over long tenures. At ₹20 lakh and above, this is usually the lowest EMI we can find.
Lends to applicants up to age 63, which most unsecured lenders will not.
The fastest bank we work with. Once sanctioned, your money can arrive within two hours.
Six months in your current job is enough, which helps if you have recently joined.
Looks at your bank account, not just your credit score. Worth trying if your credit file is thin.
Built for smaller loans and modest incomes, from ₹15,000 a month.
The fastest money we can place. Credited in minutes, from ₹1,000 upward.
Approves in about ten minutes, and only asks for three months of work history.
No credit score needed. CASHe scores you on its own model instead.
Invaspo is an official channel partner of Urban Money, one of India's largest loan distribution platforms. That partnership is what puts India's leading banks, housing finance companies and NBFCs behind a single application, and lets you complete a pre-approved personal loan entirely online.
We work with every major bank and NBFC in India
Public sector banks, private banks, small finance banks, housing finance companies and digital NBFCs. One application reaches all of them.
Public sector banks
Private sector banks
Small finance banks
Housing finance companies
NBFCs and digital lenders
Invaspo is a loan marketplace and an official channel partner of Urban Money. We are not a lender. The bank or NBFC decides your sanction, your rate and your final terms.
Compare every major loan in India
Indicative rates, real eligibility rules and the calculators that matter for each product.
Home Loan
Buy, build or transfer. The longest and cheapest loan you will ever take.
Personal Loan
Unsecured money for anything, disbursed in hours rather than weeks.
Business Loan
Working capital, equipment and expansion finance for growing businesses.
Loan Against Property
Borrow large against property you already own, at secured-loan rates.
Car Loan
New and used car finance at rates well below unsecured borrowing.
Gold Loan
The fastest secured credit in India. Money against jewellery, often within the hour.
Education Loan
Fund study in India or overseas, with repayment starting after the course.
Cards that actually pay for themselves
We compare 12 cards on the reward rate you actually get, not the headline, and tell you which ones you qualify for.
HDFC Millennia Credit Card
HDFC Bank- 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber and other partners
- 1% cashback on all other spending
- 8 complimentary domestic lounge visits a year
SBI Cashback Credit Card
SBI Card- 5% cashback on all online spending, with no merchant restriction
- 1% cashback offline
- Cashback credited automatically to the statement
Amazon Pay ICICI Credit Card
ICICI Bank- Lifetime free — no joining or annual fee
- 5% back for Amazon Prime members on Amazon, 3% for non-members
- 2% back on partner merchants, 1% everywhere else
Know your credit score before a lender does
Your CIBIL score decides whether you are approved and what rate you pay. Checking it yourself is a soft enquiry, so it never lowers your score however often you look.
Run the numbers first
The calculators people reach for first. Each one shows the working, not just the answer.
Why go through a marketplace
Checking costs you nothing
Checking your eligibility here is not a credit application. Nothing is reported to CIBIL, so your score stays where it is. Applying directly to four banks would leave four hard enquiries on your file.
One profile, many lenders
Every bank sets its own income limits, employer lists and EMI caps. The same application can be turned down by one lender and approved by the next. We know which is which.
The rate is negotiable
The benchmark rate is fixed, but the margin on top of it is not. We tell you what a strong application looks like and what rate to ask for, so you are not guessing.
One application, not four
We tell you what your application needs before you send it. That is often what separates a sanction in a week from a rejection you then have to explain to the next lender.
Understand it before you sign it
Plain-English explanations of how borrowing, tax and property actually work in India.
The first-time home buyer's guide
What you can borrow, what it actually costs, and the order to do things in.
Read the guideBalance transfer: when refinancing actually pays
The rate gap, the break-even month, and the phone call to make first.
Read the guideYour credit score, and how to fix it
What each band gets you, and the actions that actually move the number.
Read the guideNot sure if you qualify?
The check takes two minutes and needs no documents. You will find out which lenders say yes before any of them looks at your credit file.
Common questions
Every lender publishes what it lends on: a minimum age, a minimum income for your city, a credit score band, which jobs it accepts, and how much of your income it will let you spend on EMIs. Our check runs your answers against all of those rules at once. That is why it is instant. It is an eligibility result, not the final sanction, which the lender makes on its own site.
For the digital personal loans we place, yes. Our fastest lender can credit a sanctioned file in about two hours. It depends on your Aadhaar KYC and bank verification going through cleanly. Home loans work differently. They need legal and valuation checks on the property, so a sanction takes several working days.
For a digital personal loan there is nothing to print, sign or courier. Your identity is confirmed by Aadhaar KYC, your income and banking are checked electronically with your consent, and you sign the agreement online. Bigger loans and secured loans can still ask for salary slips, tax returns or property papers.
No. This check uses only what you type in. No credit bureau is contacted. Checking your own score elsewhere is a soft enquiry and never lowers it either. A hard enquiry only happens when you formally apply to a lender, which is why it helps to know who will say yes first.
No. We are a loan marketplace and an official channel partner of Urban Money. We place your application with banks, housing finance companies and NBFCs, and the lender pays us a commission when your loan is disbursed. Your sanction, your rate and your final terms are decided by the lender. The figures on this site are indicative, not offers.
You see every lender that matched, with the amount, rate, EMI and tenure for each one, plus the reason behind any that declined. You can apply online straight away on the lender's own site. One of our advisors also looks at your file and calls you to say which lender is your best bet.
The calculators run inside your browser and send nothing anywhere. The approval check has to work differently. When you unlock your offers, your answers and contact details come to us so an advisor can help. Nothing goes to a lender until you decide to apply.
FY 2026-27 (assessment year 2027-28), with the new regime slabs unchanged by Budget 2026, and GST on the current 0/5/18/40% structure introduced in September 2025.