Borrow smart
Personal, Home, Auto & SME loans—tools first, offers next.
Use our EMI calculator, compare effective APR (incl. fees), then click through to vetted partners.
At a glance
| Type | APR (est.) | Tenure | Processing |
|---|---|---|---|
| Personal | 10.5–24% | 12–72 mo | 0.5–2.5% |
| Home | 8.4–11% | 60–360 mo | 0.25–1% |
| Auto | 9.5–14% | 12–84 mo | 0.5–1.5% |
| SME/Business | 12–24% | 12–60 mo | 1–2.5% |
| Education | 9–14% | 24–180 mo | 0.5–2% |
Indicative; lenders vary. Always verify on the lender site.
Compare Loan Offers
Offers
| Lender | Type | APR (est.) | Processing | Tenure | Loan Range | Est. EMI* | |
|---|---|---|---|---|---|---|---|
| HDFC Bank Salary credit to HDFC helps |
PERSONAL | 10.99–21% | 1.5% | 12–72 mo | ₹ 50,000 – ₹ 4,000,000 | — | Apply |
| IDFC FIRST Digital journey |
PERSONAL | 10.49–24% | 1% | 12–60 mo | ₹ 100,000 – ₹ 4,000,000 | — | Apply |
| Axis Auto New car loans |
AUTO | 9.75–13.99% | 0.75% | 12–84 mo | ₹ 100,000 – ₹ 3,000,000 | — | Apply |
| Kotak Business Collateral-free options (limits apply) |
SME | 12.5–23% | 2% | 12–60 mo | ₹ 200,000 – ₹ 10,000,000 | — | Apply |
| ICICI Edu With co-applicant |
EDUCATION | 9.75–13.75% | 1% | 24–180 mo | ₹ 100,000 – ₹ 5,000,000 | — | Apply |
* Est. EMI uses your amount/tenure with each lender’s APR range.
Promos
- IDFC FIRST PL Processing fee down to 1% (targeted) Ends in 58d
- SBI Home Festive rate cut (select profiles) Ends in 28d
- Axis Auto On-road financing bundles Ends in 89d
Need a human check?
BNPL vs Personal loan
- BNPL = small-ticket, short tenure, merchant-subsidised “0%” (usually with fees/caps).
- Personal loan = larger ticket, fixed APR, better for multi-month cash flow.
- Building credit? On-time repayment matters more than “0%”.
FAQs
Do you show the cheapest lender?
We show a curated set with indicative APRs. Final pricing depends on your profile. Compare and verify on the lender site.
What’s the difference between APR and interest rate?
APR blends interest with processing fees to reflect the **true** yearly cost. Our EMI tool can estimate APR using fees.
Is foreclosure/prepayment free?
Varies by lender. Many allow part-prepayment with charges. Always read the schedule of charges.
