LOANZ 360 is a loan aggregator, not a lender. We are an online loan comparison and application platform that works for partner banks and NBFCs as a lending service provider. Every loan is decided, priced, sanctioned and paid out by the lender, normally into your own bank account.
We exist because applying for a loan in India is harder than it should be. Most borrowers do not know which lender fits their income, their credit history or their existing EMIs, so they apply in several places and learn the answer from rejections. We try to give you that answer before you apply, and to stay with you until the money reaches your account.
The problem we work on
A rejected application is not only a lost week. Each application can lead to a credit enquiry, and too many lender checks in a short time can lower your score. Lenders also differ widely in what they accept: income cut-offs, minimum credit scores, age limits, property and business criteria. A profile that one lender declines may suit another exactly.
- Not knowing which lenders you are likely to qualify with before you apply.
- Repeating the same details and documents on a different form for each lender.
- Not understanding how your income, EMIs and credit history look to a lender.
- Losing track of a file between the first call and the disbursal.
- Missing an EMI date after the loan is paid out.
What makes us different
How applying works on your own, and with LOANZ 360
| Step | On your own | With LOANZ 360 |
|---|---|---|
| Choosing a lender | Guess from advertisements or word of mouth | Your details are compared with each partner lender's published eligibility criteria before any lender sees your file |
| Credit enquiries | Apply to several lenders and hope | Applications go where you are likely to qualify. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. |
| Understanding your position | Wait for a decision | Our team prepares a credit assessment summary (CAM, credit appraisal memo) before the file reaches any lender |
| During the process | Chase each lender separately | One advisor follows your file end to end: documents, lender questions, sanction and disbursal |
| After the loan | Track due dates yourself | Active EMIs can be tracked in your account, with due dates and reminders |
| Property | Search separately | Once signed in, you can see properties that banks and NBFCs have listed for auction or sale |
Checking your own credit score does not lower it. The enquiry wording above refers to lenders checking your report when you apply.
Who we serve
The three groups on the platform
| Group | What they do on LOANZ 360 |
|---|---|
| Borrowers | Share details with consent, see how they fit lenders' criteria, choose where to apply, upload documents, follow the file and track EMIs after disbursal |
| Partners (DSAs, connectors and channel partners) | Bring borrowers to us, follow the files they referred, and see their earnings and team in the partner portal |
| Lenders (banks and NBFCs) | Receive files that already match their criteria, review them, ask questions and list properties for auction or sale, in their own lender portal |
Borrowers reach us through these partners and through our own sales team. Our loan officers, called BDEs, process the files. Read more on the how it works page, or see the partners page if you want to work with us.
How we work with lenders
We act for the partner lenders listed on our lending partners page. The lender, not LOANZ 360, decides whether to approve your loan, at what rate and on which terms. We do not set rates and we do not promise a result.
Because we show more than one lender, the Reserve Bank of India's Digital Lending Directions, 2025 apply to how we present them: we show every matching offer, name the lenders that did not match, and never push one lender. How we order what you see is explained on how we rank offers. The rules are on the RBI website.
Interest rates on the site come only from lenders' own published data, shown with the source and the date. See the interest rates page and our editorial policy.
Our commitments to you
- Consent first. We ask for your consent item by item. Nothing is checked or shared without it, and you can withdraw consent as easily as you gave it.
- Your data is stored in India.
- Personal data is masked by default, so staff and partners see only what their work needs.
- Sign-in is protected and can include a one-time code sent to your mobile.
- Security aligned with ISO 27001 and SOC 2 controls. This describes the controls we work to; it is not a certificate, and we do not claim to be certified.
- Plain language. If a term, charge or step matters to your decision, we explain it. Charges are set by the lender; ask for the Key Fact Statement before you accept.
- A real route for complaints, on the grievance page. You can also make a data request.
Make a complaint on the grievance page or a request about your data on the data request page. More on how we handle your information is on the your data and privacy pages.
What we are not
We are not a bank or an NBFC and we do not lend our own money. We are not registered with, approved by or endorsed by the Reserve Bank of India as a lender. The lenders we work with are regulated entities listed on the lending partners page, and you should read each lender's Key Fact Statement before you decide.
Where to go next
- See the six stages of a file on the how it works page.
- Read how our content is written and checked in the editorial policy.
- See which lenders we work with on the lending partners page.
- Raise a complaint or ask a question through the grievance and contact pages.
Start with how it works, then the editorial policy, the lending partners and the grievance page. Compare loan types on the loans page, or try the calculators. The legal name, registered address and contact details of the company appear alongside this page.