Pre-approved loan offers,
checked in 2 minutes
Offers from India's leading lenders for personal, home and business loans. Check your approval here, then apply online. On a digital personal loan the money can reach you in 48 hours, and you won't need paper documents.
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
IndifiInvaspo 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.
Up to ₹30 lakh,
from 11% p.a.
Our largest unsecured loan and the lowest starting rate on the panel. 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. Nothing is printed, signed on paper or couriered. Rate, limit and tenure are set by L&T Finance 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.
From question to money in your account
Four steps, and the only one that needs you is the first.
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.
Pre-approved personal loans, checked in 2 minutes
Money in your account in as little as 48 hours, on a fully digital application — no physical documents.
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.
| Lender | Rate from | Amount | Age | Min income | Score | Disbursal |
|---|---|---|---|---|---|---|
| L&T FinanceNBFC | 11.00% | ₹50,000 – ₹30 L | 21–58 | ₹25,000 | 700+ | As fast as 48 hours |
| HDFC BankBank | 10.50% | ₹50,000 – ₹40 L | 21–60 | ₹20,000 | 700+ | 24–48 hours |
| Tata CapitalNBFC | 11.50% | ₹40,000 – ₹35 L | 21–58 | ₹15,000 | 700+ | As fast as 48 hours |
| Piramal FinanceNBFC | 12.99% | ₹25,000 – ₹5 L | 21–63 | ₹15,000 | 700+ | As fast as 48 hours |
| Unity Small Finance BankSmall finance bank | 15.50% | ₹1 L – ₹5 L | 23–55 | ₹10,000 | 700+ | Within 2 hours |
| Hero FinCorpNBFC | 21.00% | ₹50,000 – ₹5 L | 21–58 | ₹15,000 | 675+ | Within 24 hours |
| PrefrDigital NBFC | 17.99% | ₹25,000 – ₹5 L | 21–60 | ₹20,000 | 650+ | Same day |
| CreditSeaDigital NBFC | 14.00% | ₹10,000 – ₹2 L | 21–55 | ₹18,000 | 620+ | Within 24 hours |
| ZypeDigital NBFC | 18.00% | ₹1,000 – ₹5 L | 18–58 | ₹15,000 | 650+ | Minutes |
| FatakPayDigital NBFC | 18.00% | ₹10,000 – ₹5 L | 21–55 | ₹15,000 | 650+ | Within 10 minutes |
| Bhanix Finance (CASHe)NBFC | 27.00% | ₹1,000 – ₹4 L | 18–58 | ₹40,000 | Not required | Minutes |
Home loan eligibility, checked in 2 minutes
See which housing lenders will fund your purchase, and how much, before a single form is signed.
The lowest starting rate of the home lenders we work with, and up to 90% of the property value.
A big housing lender with good pricing, funding up to 90% of the property value.
Housing finance for larger purchases. Self-employed applicants are accepted up to age 70.
Affordable housing finance for the informal incomes big banks tend to turn down.
The lowest income requirement we have, built for first-time affordable housing buyers.
| Lender | Rate from | Amount | Age | Min income | Score | Disbursal |
|---|---|---|---|---|---|---|
| L&T FinanceNBFC | 7.75% | ₹3 L – ₹10 Cr | 23–70 | ₹25,000 | 700+ | 3–7 working days to sanction |
| Aditya Birla Housing FinanceHousing finance | 8.60% | ₹5 L – ₹5 Cr | 21–65 | ₹25,000 | 700+ | 3–7 working days to sanction |
| Piramal FinanceHousing finance | 9.49% | ₹20 L – ₹10 Cr | 21–65 | ₹25,000 | 700+ | 3–7 working days to sanction |
| Aavas FinanciersHousing finance | 9.00% | ₹1 L – ₹1 Cr | 21–65 | ₹15,000 | 620+ | 5–10 working days to sanction |
| ART Affordable Housing FinanceHousing finance | On assessment | ₹1 L – ₹50 L | 21–65 | ₹5,000 | Not required | 5–10 working days to sanction |
Business loan eligibility, checked in 2 minutes
Unsecured working capital assessed on your turnover and GST data, not on collateral.
Unsecured working capital assessed on your GST data. One year of trading is enough.
Bigger loans at better rates for established businesses with three years of books.
| Lender | Rate from | Amount | Age | Min turnover | Score | Disbursal |
|---|---|---|---|---|---|---|
| IndifiDigital NBFC | 18.00% | ₹50,000 – ₹30 L | 22–60 | ₹12 L t/o | 650+ | As fast as 48 hours |
| Piramal FinanceNBFC | 14.00% | ₹5 L – ₹75 L | 21–65 | ₹40 L t/o | 700+ | 3–5 working days |
Pre-approved loans, answered honestly
It means the lender has already checked your profile against its rules and is willing to lend before you formally apply. All that is left is verifying who you are and looking at your bank account, which is how these loans get funded in hours instead of weeks. The offer still depends on those checks going through.
You answer seven questions: how much you need, your income, your job type, your age, your city, any EMIs you already pay, and your credit score band. We check those answers against each lender's published rules, including the limit on how much of your income can go to EMIs. You get an answer from every lender, with the amount, rate, EMI and tenure each one supports. You will also need your PAN, since every lender asks for it.
No. It is an eligibility result worked out from the rules lenders publish. It predicts who will say yes well, but the actual sanction follows the lender's own credit check, income verification and internal policy. That is why every figure here is marked indicative.
Because their rules differ. One wants ₹25,000 a month in a metro. Another accepts ₹15,000 anywhere. One will not look below a 700 credit score, while another studies your bank account instead. Some lend only to salaried applicants. The same application is often turned down by one lender and approved by the next, and knowing which is which is the point of this check.
Not for the result on this page. That uses only what you type in. When you unlock your offers you allow a soft credit check so an advisor can confirm your score band, and a soft check never lowers your score. A hard check only happens when you formally apply to a lender.
No. The check, the comparison and the advisor call are all free, and you are never obliged to go ahead. The lender pays us a commission when a loan is disbursed. Nobody should ever ask you to pay a fee in advance for a loan approval, and that includes us.
We tell you why, in plain terms, and what is most likely to change the answer. Usually it is your income, your age, the EMIs you already pay or your credit score band. A no here costs you nothing and leaves no mark on your credit file, unlike applying to four banks and collecting four hard enquiries.
Two minutes and you will know
No documents, no effect on your credit score, and a straight answer from every lender we work with.