When LOANZ 360 shows you offers from more than one lender, we show every offer that matches your request, name the lenders that did not match, and do not push any one lender. Where we put offers in an order, we use a published measure, and this page says what it is.
LOANZ 360 is a loan aggregator, not a lender. The lender, not LOANZ 360, decides whether to offer you a loan, at what rate and on which terms. See about us and how it works.
What the RBI's Digital Lending Directions require
The Reserve Bank of India's Digital Lending Directions, 2025 apply to platforms such as ours, which the Directions call lending service providers. For a platform that shows several lenders, the Directions require, in summary, that it:
- shows all the loan offers that match the borrower's request;
- discloses the names of the lenders that did not match;
- does not directly or indirectly promote or push the product of a particular lender;
- may rank offers only by a measure that has been disclosed publicly in advance;
- shows, for each offer, details such as the lender name, amount, tenor, annual percentage rate, monthly repayment, penal charges and a link to the Key Fact Statement.
You can read the Directions on the RBI website. We follow them, and this page is our public disclosure of the ordering measure.
What we do
Our commitments on showing lenders
| Duty | What we do |
|---|---|
| Show every matching offer | If a partner lender's published criteria match your profile and request, it is shown. We do not hide a match because of what we earn from it. |
| Name lenders that did not match | Lenders whose criteria your profile does not meet are named, with the reason, so you can see what would need to change. |
| Do not push one lender | We do not use "recommended" or similar badges on a lender unless the badge comes directly from the published measure below. |
| Rank only by a published measure | The measure is described below and does not change with what a lender pays us. |
| Show the facts that matter | Each offer shows the rate, EMI, fees and tenure, so you compare on the numbers. |
How offers are ordered in your account
Once you have signed in, your advisor works out proposals: what each lender is likely to offer you, based on its published criteria and your profile. A proposal is not a lender's final offer. The lender makes the final decision after its own checks, and your account says so beside the proposals.
Proposals that are still waiting for your answer are shown first. Within the same status, they are ordered by the lower annual interest rate first. When two proposals have the same rate, the one with the lower monthly EMI comes first. Nothing else, including which lender it is or what we earn from it, affects the order.
Where two or more proposals are still waiting for your answer, the one with the lower rate carries a marker saying so. That marker is the result of the same rate measure, not a recommendation. A lower rate is not always cheaper overall: processing fees, penal charges and other costs set by the lender also matter, so compare the annual percentage rate (APR) and read the Key Fact Statement.
Lists on this website
The lending partners page names the lenders we work with. Their order there is the order set by our team, then alphabetical. It is not a ranking and says nothing about which lender is better. Rates on the interest rates page are each lender's published rates, dated, for you to compare.
What to do before you choose
- Compare the annual percentage rate, not only the headline rate or the EMI.
- Ask each lender for its Key Fact Statement and read the charges.
- Check the penal charges and the foreclosure terms.
- Remember that approval, rate and terms are always the lender's decision.
Questions about this page
If you think we have shown offers unfairly, tell us on the grievance page. Our approach to sources and conflicts of interest is on the editorial policy page. Compare costs for yourself with the rate comparison calculator.