Last updated 12 Nov 2026
Anyone can apply to become a LOANZ 360 partner. You register with your name, mobile number and email, add your PAN, bank account, business details and four KYC papers, and a person at LOANZ 360 reviews the application. Once you are approved and have signed the partner agreement, you can bring customers in under LOANZ 360's codes and follow each file in the partner portal.
LOANZ 360 is a loan aggregator, not a lender. It is the only party empanelled with the banks and NBFCs it works with. That shapes how the partnership works: you never deal with a lender directly, you do not sign anything with a lender, and every loan is decided, priced and paid out by the lender. Your job is to find customers who need a loan and help them through the process honestly.
Who can join
The application is open to individuals and to firms. The portal asks you to choose one of three partner types, and the choice is permanent for that account, because it decides how the partnership is set up. If you are not sure which fits you, read DSA, connector and channel partner: how the roles differ before you apply.
The three partner types in the partner portal
| Partner type | Who it suits | How it works |
|---|---|---|
| Business Associate | An individual who introduces customers and does not want a team | Introduces files. May be referred by one Business Partner. Nobody sits below a Business Associate. |
| Business Partner | A person who wants to build a team of associates as well as source files | Sits at the top of a referral tree and is recruited by nobody. Associates can be referred below a Business Partner. |
| Channel Partner | A firm or institution rather than an individual | Applies directly and is not referred by anyone. Can give its own staff separate logins. |
Business details are asked for in plain terms: your name or business name, whether you work as an individual, a proprietorship, a partnership, an LLP, a private limited company or something else, a GST number if you have one, and an address. You do not need to be registered for GST to apply.
The steps, from application to your first file
- Open the Become a partner page of the partner portal, linked from the partners page. Enter your name, mobile number and email. Your mobile number is confirmed with a code and your email through a link to set your password.
- Or use an invitation link. A member of the LOANZ 360 partner team, or a Business Partner, can send you a personal link. It records who invited you and fixes the partner type the link is for.
- Sign in and open your registration. Choose your partner type, then add your PAN, your bank account (IFSC, the name the account is held in and the account number) and your business details.
- Tick the consent to let LOANZ 360 check your PAN and confirm your bank account with a one-rupee test credit. The box is never ticked for you, and the checks do not run without your agreement.
- Upload the four KYC papers: your PAN card, a cancelled cheque, an address proof and your Aadhaar with only the last four digits showing. Each one is checked by a person other than you.
- Wait for the review. The portal shows whether your application is submitted, under review, approved or rejected, and a rejection comes with its reason so that you can fix it and apply again.
- Read and sign the partner agreement with a one-time code. You can open a copy of every version you have signed.
- Once you are approved, the platform gives you a partner code. From then on, a lead you bring in can be attributed to you.
Registering does not make you active. Until a person approves your application, no lead can be yours and nothing can be earned on it. Your application cannot be approved before every check has passed, and the portal says openly that it will not approve one without a PAN and a bank account to pay into. Our team can ask you for what is missing.
What you get once you are approved
What the partner portal gives you
| Area | What you can do |
|---|---|
| Leads and files | Send a lead, work your leads and applications, and follow each file to disbursement without telephoning to ask. |
| Share a form | Send a customer a link, see what it shows them and how long it lasts. |
| Lenders and rates | See which lenders and products you may source. Super Admin decides this for each partner, so your list can differ from another partner's. |
| Documents | See what you have sent, what each paper is for and what is still needed for a file. |
| Tools | Work out what a loan would cost a month and what a file will need before you promise anything. |
| Earnings | See what has been credited, what has been paid and what is still due, with a statement for each file and a place to question a figure. |
| Team and staff | A Business Partner can see associates; a Channel Partner can give staff their own logins. |
| Offers, contests and support | See offers, contests and a leaderboard, and ask support for help from inside the portal. |
Money matters get their own explanation in how partner payouts work. In short, your payout is a share of what the lender pays LOANZ 360 on a loan you introduced, and it is paid by the LOANZ 360 finance team after the loan is disbursed and the lender's payout has been received. Nothing here is a fixed or assured income: if a customer is not eligible, does not proceed or is not sanctioned, there is nothing to share.
What you agree to do
- Get the customer's consent first. A customer's consent is recorded before any check is run on them, and you must never run, request or share details about anyone who has not agreed.
- Protect personal data. You see a customer's personal details masked by default. Do not copy, forward or store them outside the portal.
- Keep your own KYC current. Changes to your PAN or bank account go through support, and a changed bank account has to be verified again before the next payout runs against it.
- Describe loans honestly. You cannot promise approval, an amount or a price. The lender decides, and the offer and its Key Fact Statement come from the lender.
- Do not ask a customer for money to get a loan sanctioned. Charges on a loan are set by the lender and are shown in its Key Fact Statement.
- Follow the RBI's rules for digital lending, which the digital lending disclosures page on this site summarises, and the conduct terms of the partner agreement you sign.
- Use the sign-in safely. Your firm can limit sign-in to its office network, and you should not share a login.
Common reasons an application waits or is turned back
| What happened | What to do |
|---|---|
| No PAN or bank account on the application | Add them. Approval is refused without them, and the review team will ask you for what is missing. |
| The bank account name does not match | Enter the name exactly as the bank has it. A payment to a name the bank does not recognise comes back. |
| A KYC paper was not accepted | Read the reason shown against the paper and upload a new copy. Only that paper is checked again. |
| No agreement to the checks | Tick the consent box on your registration. Without it, the PAN and bank checks cannot run. |
| Applied as the wrong type | The partner type cannot be changed by applying again. Ask support before you apply. |
Frequently asked questions
Do I need a registered business to become a loan partner?
No. You can apply as an individual. If you work through a firm, you can say so in your business details, and a GST number is optional. A Channel Partner is meant for a firm or institution, so choose that type if you plan to have staff of your own.
Can I work directly with a bank or NBFC through LOANZ 360?
No. Only LOANZ 360 is empanelled with lenders. You source customers under LOANZ 360's codes and never deal with a lender directly. Super Admin decides which lenders and products each partner may offer, and you see your own list in the portal.
How long does approval take?
It depends on how quickly your papers are complete and checked. The portal shows whether your application has been picked up or is waiting, so you can tell a quiet queue from an application nobody has opened. We do not promise a number of days.
Can I be rejected, and can I apply again?
Yes. If an application is rejected, the portal shows the reason in full above the form. Fix what it names and apply again; what you do not re-enter is kept, and the rejection note clears when you resubmit.
Do I earn money before I am approved?
No. Until your application is approved, no lead can be attributed to you and no payout can be earned. Once you are approved, your earnings depend on loans you introduce that are sanctioned and disbursed by the lender.
Can I add people from my firm?
A Channel Partner can add staff who send leads for the firm. Each person signs in as themselves and every lead they send is the firm's. A Business Partner can bring associates in through an invitation link instead.
Related reading: Partner programme, DSA, connector and channel partner, Documents to become a loan partner, How partner payouts work, Digital lending disclosures, Borrower rights, DSA in the glossary and how LOANZ 360 works.