loanscafe.in

Menu
Partner Portal

Your Path to Financial Freedom Starts Here

Discover a diverse range of loan products tailored to your every need. Loanscafe simplifies the complex world of finance, connecting you with the right lenders and the best rates, ensuring a smooth and transparent journey towards your goals.

Explore Our Loan Categories

Personal Loan

Quick and easy personal loans for all your needs, from emergencies to planned expenses.

A Personal Loan is an unsecured credit facility that does not require any collateral. Approval is based on factors like your income, employment history, and credit score.

Flexibility: The funds can be used for almost any purpose, such as debt consolidation, wedding expenses, home renovation, or medical emergencies.

Repayment: Repaid over a fixed term—typically 1 to 5 years (sometimes up to 7 years)—through fixed Equated Monthly Installments (EMIs).

Features: Known for quick disbursal, especially for urgent financial needs. Interest rates can be fixed or variable depending on lender policy.

Business Loan

Fuel your business growth with tailored business loans, designed for startups and established enterprises.

A Business Loan provides financial assistance to entrepreneurs and enterprises for purposes directly related to the business.

Usage: Commonly used for purchasing machinery, managing working capital, investing in growth, or paying salaries.

Types: Includes Term Loans (lump sum with fixed repayment terms), Working Capital Loans (for day-to-day operations and cash flow), and Lines of Credit (revolving credit facility).

Security: Loans may be secured (pledging assets like equipment or inventory) or unsecured. For unsecured loans, lenders often require personal guarantees from business owners.

Interest Rates: Rates vary based on credit score, financial stability, business performance, and industry type.

Overdrafts(OD)

Unlock extra funds anytime, use only what you need, and pay interest just on the amount used—simple and flexible.

An Overdraft allows you to spend (borrow) money through your current account even when the available balance is zero, up to a pre-agreed limit.

Function: It is a form of short-term borrowing, ideal for covering temporary cash flow shortages.

Interest/Fees: Interest is charged only on the amount actually overdrawn and for the exact duration it remains overdrawn.

Types:
• Authorised Overdraft: Pre-approved limit arranged in advance with the bank.
• Unauthorised Overdraft: Occurs without prior agreement and usually attracts significantly higher fees and penalties.

Caution: Overdrafts should be limited to short-term requirements or emergencies, as extended use can become costly.

Home Loan

Achieve your dream of owning a home with our flexible home loan options, competitive rates.

A Home Loan is a secured loan specifically used to finance the purchase, construction, or renovation of a residential property. The property itself acts as collateral until the loan is fully repaid.

Features: Offers high-value funding at relatively economical interest rates compared to unsecured loans, with long repayment tenures.

Types: Options include loans for construction, extension/renovation, and fixed-rate, floating-rate, or hybrid interest rate structures.

Disbursement: After full repayment, the property's title is transferred back to the borrower.

Eligibility: Lenders assess your identity, income (salary slips, ITRs), and the legality of the property documents (sale deed, NOC).

Loan Against Property

Unlock the value of your property with our loan against property, offering significant funds.

LAP is a secured loan where you pledge a self-owned residential or commercial property as collateral to the lender.

Collateral & Loan Amount: Because collateral is provided, interest rates are significantly lower than unsecured loans. Lenders typically offer 60–70% of the property's market value as the loan amount, allowing access to substantial funds.

Tenure: The repayment tenure is generally long, often ranging from 10 to 20 years, resulting in lower and more manageable EMIs.

Use: The funds can be used for any large expense, such as a child's wedding, business expansion, or consolidating existing high-interest debts.

Vehicle Loan

Drive your dream car today with our attractive vehicle loan interest rates and hassle-free process.

This loan provides funding for the purchase of a vehicle, which acts as the collateral for the loan until it is fully repaid.

Funding: The loan can cover a high percentage of the vehicle's cost, sometimes up to 100% of the on-road price, depending on the borrower's eligibility and the vehicle type (new, pre-owned, electric).

Tenure: Repayment periods are flexible, often extending up to 84 months (7 years).

Eligibility: Loan amount depends on your repayment capacity, generally assessed so that total deductions (including the proposed EMI) do not exceed a certain percentage of your gross income.

Education Loan

With education loans that pay for living expenses, tuition, and other costs, you can invest in your future.

An Education Loan is provided to finance the higher education of a student.

Coverage: Funds cover not just tuition fees but also expenses like examination fees, library/laboratory fees, purchase of books/equipment, travel expenses for studies abroad, and insurance premiums.

Collateral: For higher loan amounts (such as above ₹7.5 Lakh), collateral or a guarantor may be required. For lower amounts or premier institutions, the loan may be collateral-free and guarantor-free.

Repayment: A moratorium period of 6 months to 1 year after course completion is typically provided, allowing the student time to secure employment before EMIs begin.

Tax Benefit: Interest paid on the education loan is eligible for tax deduction under Section 80E of the Income Tax Act for up to eight years.

Gold Loan

Fast and secure gold loans with minimal documentation, getting you instant liquidity.

A Gold Loan is a secured loan where gold ornaments or coins (usually 18 to 22 karats) are pledged as collateral with the lender.

Process: The lender assesses the purity and weight of the gold to determine its value, and the loan amount is sanctioned based on a percentage of the gold's market value.

Speed & Documentation: Known for instant approval (within a few hours) and minimal documentation, making it an excellent option for immediate financial needs.

Interactive Tools & More

Feel free to use our Finance Calculator

₹

**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance

Ready to find the perfect loan for your needs? Let us help you compare and secure the best rates!

Find My Best Rate

Why Loanscafe’s Products Stand Out

Compare Multiple Offers

Customize to Your Needs

No Hidden Fees, Complete Transparency

Product FAQs

How do I check my loan eligibility?

You can check your loan eligibility by navigating to the ‘Check Eligibility’ button on any loan category card and providing a few details. Our system will instantly assess your eligibility based on your financial profile and the lender’s criteria.

The required documents vary by loan type and lender. Generally, you will need identity proof, address proof, income documents (salary slips/bank statements), and relevant property or business documents for specific loans. A detailed list will be provided during the application process..

Loan approval times vary depending on the loan type and the completeness of your documentation. Personal loans can be approved in as little as 24-48 hours, while home loans might take a few days to a week. We strive to expedite the process as much as possible.

No, Loanscafe is committed to transparency. We ensure that all fees, including processing fees, legal charges, and technical valuation charges (if applicable), are clearly communicated upfront. There are no hidden charges.

While a good credit score is beneficial, some lenders on our platform may offer options for individuals with lower credit scores, often with specific conditions. We recommend discussing your situation with our advisors for personalized guidance.

Scroll to Top