Home, Personal & Business Loan Consultancy in India

A loan consultant checks what you are eligible for, picks a suitable lender, prepares your documents and guides you through the application. At LoanWala4U we do all of this with no service fee. The bank or NBFC approves and disburses the loan.

Choose the loan type and send the enquiry form with your name, phone number, loan amount and purpose. We take your KYC documents (Aadhaar and PAN), check your CIBIL score to see what you are eligible for, and choose the lender that can offer better rates and lower charges. You then submit the documents for your loan type and the lender verifies them.

Yes. Send the enquiry form on this page and our team will contact you by phone or email. We explain your options and the documents you need before you apply with the lender. Some lenders complete certain steps online and others at a branch, depending on their process.

No. LoanWala4U’s service fee is zero. The bank or NBFC may charge its own fees, such as a processing fee or documentation charges. These differ from lender to lender, and we tell you about them before you proceed.

It depends on the loan type. A personal loan generally takes 1 to 3 days, and a business loan 2 to 5 days. Home loans and loans against property take about 10 to 15 days because the property papers need checking. Timelines depend on your documents and the lender.

Rates are indicative and change with your profile and the lender. Generally, personal loans run from 9% to 14% a year, home loans from 7% to 12%, loans against property from 8.5% to 14% and business loans from 15% to 24%. Your credit score, income, job or business stability, loan amount and tenure all affect the final rate.

Personal loan: Aadhaar, PAN, last 3 months’ salary slips, last 6 months’ bank statements, 1 year of Form 16 or ITR, and office ID. Home loan and loan against property: the same, with 2 years of Form 16 or ITR, plus property papers (a 30-year property chain, property ID, a no-dues certificate and an approved map, except for plot loans). Business loan: Aadhaar, PAN, 1 year of bank statements, 3 years of ITR, 1 year of GST returns, office address proof and Udyam registration. Lenders may ask for more.

Often yes, but the interest rate may be a little higher. Lenders use Form 16 or ITR to confirm your income, so without them the lender has less proof and prices the risk higher. Tell us what you have and we will check which lender may accept it.

Yes. A loan against property (LAP) lets you borrow against a property you own. Rates are generally 8.5% to 14% a year and processing takes about 10 to 15 days. The documents are the same as for a home loan.

No. The lender checks your income, credit history, existing loans and documents before deciding. We can help you prepare a stronger application, but we cannot promise the result.

CIBIL scores run from 300 to 900. A score of 700 or above is generally considered good, and some CIBIL material sets the mark at 750. Cut-offs differ by lender, and some lenders consider lower scores with higher rates or extra checks. We check your score as the first step, so you know where you stand. Eligibility also depends on your income, age, job or business stability and existing EMIs.

We use your details only to respond to your enquiry and help with your application. Our Privacy Policy explains how data is handled. Never share your OTP, PIN or card details with anyone, including us.

Apni zaroorat ke hisaab se loan type chuniye: home, personal, business ya loan against property. Enquiry form bhejiye aur Aadhaar aur PAN se KYC kijiye. Hum aapka CIBIL check karke eligibility dekhte hain aur woh bank chunte hain jahan rate behtar aur charges kam hon. LoanWala4U ki service fee zero hai. Approval ka final faisla lender karta hai.

Personal loan mein Aadhaar, PAN, 3 mahine ki salary slip, 6 mahine ka bank statement, 1 saal ka Form 16 ya ITR aur office ID lagta hai. Home loan aur LAP mein 2 saal ka Form 16 ya ITR aur property ke papers bhi lagte hain. Business loan mein 1 saal ka bank statement, 3 saal ki ITR, 1 saal ki GST return, office address proof aur Udyam chahiye. Lender aur zyada papers maang sakta hai.