Working Capital

Open a loan to see its lenders’ named rates, papers and an EMI calculator.

• Tell us what you need and agree to a clear consent notice. Nothing is checked or shared without it.
• Before your application goes to any lender, we compare your details with each partner lender’s criteria, so you apply only where you are likely to qualify. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score.
• A credit assessment summary is prepared in your account before your file reaches a lender.
• You choose where to apply. One advisor follows your file to a decision, and you track it in your account.
• The lender sanctions the loan and pays it into your own bank account.

How LOANZ 360 works, step by step

• Before you sign, the lender gives you a Key Fact Statement with the APR and every charge.
• Each lender sets a cooling-off period during which you can leave a digital loan.
• The loan is paid into your own bank account, never to a platform.
• Your data is used only with your consent and is stored in India.
• A complaint goes first to us, then to the Nodal Grievance Redressal Officer, and then to the RBI’s Integrated Ombudsman if it is not resolved.

Read more: borrower rights, digital lending disclosures and how to raise a complaint.