RBI-registered NBFC partner

Need funds today?
Get there without the wait.

Personal, business and vehicle loans up to ₹40 lakh, approved in as little as 4 hours — no branch visits, no paperwork pile-up.

See loan options →
₹2,400 Cr+Disbursed since 2019
4.7 / 5Average customer rating
18 minAverage approval time

Check your eligibility

Takes under a minute. No impact on your credit score.

By continuing, you agree to be contacted by LoanSetu regarding your application. Your details are encrypted and never shared with third parties.

RBI-registered NBFC lending partner
128-bit bank-grade encryption
No collateral on personal loans
1.2 lakh+ borrowers served
Loan products

Built around what you're borrowing for

Every loan type has its own rate, tenure and documentation — we keep each one simple rather than forcing one form to fit all.

Most applied for

Personal Loan

For weddings, medical needs, travel or simply consolidating other debt — funds land in your account, no explanation required.

10.5%Interest from, p.a.
₹15LLoan up to
60 moMax tenure
View details →
Sanctioned in4 hours*
For entrepreneurs

Business Loan

Working capital, inventory or expansion — sized to your GST returns and bank statements, not your paperwork stack.

12%Interest from, p.a.
₹40LLoan up to
84 moMax tenure
View details →
Disbursed within48 hours*
Why choose LoanSetu

The parts of borrowing we actually fixed

01

Real-time decisioning

Your eligibility is computed the moment you submit — not after a callback three days later.

02

Rates you can see upfront

Interest, processing fee and total payable are shown before you apply, not buried in a sanction letter.

03

No prepayment penalty

Close your loan early whenever you can — we don't charge you for paying us back sooner.

How it works

Four steps, start to disbursal

1

Check eligibility

Share basic details — no documents needed at this stage.

2

Upload KYC & income proof

Aadhaar, PAN and 3 months' bank statements, uploaded from your phone.

3

Get your offer

See your approved amount, rate and tenure before you accept anything.

4

Funds in your account

e-Sign the agreement and the amount is disbursed directly to your bank.

Borrower stories

What it's actually like to borrow here

"I applied on a Sunday evening expecting to wait till Monday. Money was in my account before I finished dinner."

R
Rohit Malhotra
Personal loan, Pune

"No branch visits for a business loan felt too good to be true until it actually happened. GST-based approval saved me weeks."

S
Sunita Reddy
Business loan, Hyderabad

"Closed my loan 8 months early and wasn't charged a rupee extra for it. That alone earned my next loan too."

A
Arjun Nair
Vehicle loan, Kochi

Ready to see what you're eligible for?

Apply for a loan now