Last updated: 8 November 2026. These terms govern your use of the LOANZ 360 website and of the accounts you create on the LOANZ 360 customer, partner and other portals. By using the website or an account you accept them. If you do not accept them, please do not use the website. The legal entity that offers the platform, with its registered address, is shown on the contact page.
1. What LOANZ 360 is, and what it is not
LOANZ 360 is a loan aggregator, not a lender. It is an online loan comparison and application platform that works for partner banks and NBFCs, as a lending service provider. We help you compare, apply and follow a loan application. Every loan is decided, priced, sanctioned and paid out by the lender, normally into your own bank account. LOANZ 360 does not lend money, does not hold your loan money and does not control the flow of funds between you and a lender.
- We do not promise that you will get a loan, a particular amount, a particular rate or a particular date of disbursal.
- A comparison, an eligibility result or a credit assessment summary on our platform is an estimate to help you decide. It is not a sanction, an offer or a commitment by any lender.
- The lender makes the final decision on your application, using its own policy and its own checks.
- Our relationship with the lenders we work for is explained on the lending partners page and in the digital lending disclosures.
See the lending partners page and the digital lending disclosures for the lenders we work for and the rules we follow.
2. Who may use the platform
You must be at least 18 years old, able to enter into a binding contract under Indian law, and resident in India to apply for a loan through LOANZ 360. If you act for a company or firm, you confirm that you are authorised to do so. A person who is not eligible to make a contract must not create an account.
3. The information you give us
You must give accurate, complete and current information, and you must tell us promptly if it changes. This includes your identity, income, obligations, existing loans, and the documents you upload. Documents must be genuine and must be yours or be uploaded with the owner's permission. Giving false information or forged documents can lead to a lender rejecting your application, to your account being closed, and to action under the law, and we may report it to the lender and the authorities.
You are responsible for what you share. A lender may verify any detail you give. A mismatch between what you tell us and what the lender finds may affect your application.
4. Consent
We check your details, request a credit report or send your application to a lender only after you give consent in a clear, item-by-item notice. Consent is your choice, is not pre-ticked, and can be withdrawn as easily as it was given. How we use your data is set out in the Privacy Policy. Withdrawing a consent that a service depends on may mean that we can no longer provide that service.
5. Your account, sign-in and one-time codes
- Every sign-in to a LOANZ 360 portal uses a one-time code sent to your registered mobile number or email.
- Never share a code with anyone. LOANZ 360 staff, partners and lenders will never ask you for a code.
- Keep your devices and your mobile number secure. Tell us at once if you lose your phone, change your number or suspect that someone else has used your account.
- You are responsible for activity under your account until you tell us it was not you. We may lock an account that shows signs of misuse to protect you.
- You must not let another person use your account, and you must not use anyone else's.
6. How the service works for you
What you can expect, and what you decide
| Step | What LOANZ 360 does | What you decide |
|---|---|---|
| Share details | Records your details and your consent. | What to share and what to consent to. |
| Check fit | Compares your details with each partner lender's published eligibility criteria before any application is sent. | Whether to go ahead. |
| Assessment summary | Prepares a credit assessment summary before the file reaches a lender. | Whether the summary matches your own view. |
| Apply | Sends your application to the lender you choose and follows the file. | Which lender or lenders to apply to. |
| Sanction and disbursal | Tracks status and helps with lender questions. | Whether to accept the lender's terms after reading the Key Fact Statement. |
| After disbursal | Shows active EMIs, due dates and reminders in your account. | How and when you repay the lender. |
Tools such as the calculators are free to use and give estimates only; see the disclaimer.
7. Lender terms apply to your loan
When you accept a loan, your contract is with the lender. The lender's sanction letter, loan agreement and Key Fact Statement set the amount, the rate, the annual percentage rate (APR), the charges, the repayment schedule and the rules for prepayment, foreclosure and the cooling-off period. Read them before you sign. Charges on a loan are set by the lender and are shown in the Key Fact Statement. If our description of a loan differs from the lender's documents, the lender's documents apply. Recovery of a loan is the lender's responsibility and follows the conduct rules set by the Reserve Bank of India. Read more in the borrower rights guide.
8. Acceptable use
When you use the website or an account, you must not:
- give false or misleading information, or impersonate another person
- upload documents that are forged, altered or not yours to share
- try to get into accounts, systems or data that are not yours, or test our security without written permission
- use programs to submit forms, scrape content or put heavy load on the website
- upload files that carry malware, or send abusive, unlawful or harassing content to our staff, partners or lenders
- use the platform for money laundering, fraud or any activity that breaks the law
- use our content or calculators in a way that suggests LOANZ 360 or a lender has endorsed you
9. Partners and our sales team
Customers are found by LOANZ 360 partners and by our own sales team, and our loan officers process files. A partner is an independent business. A partner or staff member may help you through the application, but only what is written in your lender's documents binds the lender. Never pay money to a partner, staff member or anyone else to secure a loan, and never hand over your one-time code. Report anyone who asks, using the grievance page.
10. Intellectual property
The website, its design, text, calculators, software and the LOANZ 360 name and logo belong to LOANZ 360 or its licensors. You may view and use them for your own personal, non-commercial use of the service. You must not copy, reproduce, resell, modify or build a competing service from them without written permission. Lender names, logos and marks belong to their owners. CIBIL is a trademark of TransUnion CIBIL Limited, and LOANZ 360 is not affiliated with it.
11. Links to other websites
We link to lender sites and to official sources such as those of the Reserve Bank of India. We do not control other sites and are not responsible for their content or privacy practices. A link is not an endorsement.
12. Availability of the service
We work to keep the platform available, but we do not promise that it will be uninterrupted or free of errors. We may change, pause or withdraw a feature, for example for maintenance or security. Rates, products and lender criteria change; the live figures on the interest rates page are the ones in force on the date shown.
13. Suspension and closing an account
You may stop using the platform and ask for your account to be closed at any time through the data request page. We may suspend or close an account if you break these terms, give false information, or put others or the platform at risk. Closing an account does not remove records we must keep by law, as explained in the Privacy Policy.
14. Limits of our responsibility
We take reasonable care to keep the information on the platform accurate and the service secure. Subject to the law, and to anything that cannot lawfully be limited:
- LOANZ 360 is not responsible for a lender's decision, its pricing, its delay, its refusal to lend, or its conduct, which are the lender's responsibility.
- LOANZ 360 is not responsible for loss caused by information you gave that was wrong or incomplete, or by a code or device you did not keep secure.
- LOANZ 360 is not responsible for indirect or consequential loss, or loss of opportunity, arising from your use of the website.
- Where LOANZ 360 is found responsible to you, its total liability for a claim is limited to the direct loss you prove, to the extent the law allows.
Nothing in these terms limits any right you have under the Consumer Protection Act, 2019, the DPDP Act or any other law that cannot be waived, and nothing limits the lender's responsibility to you under RBI rules.
15. Complaints
If something goes wrong, use the steps on the grievance page. You can start with our support desk, then our Nodal Grievance Redressal Officer, and, for a lending complaint that is not settled, the RBI Integrated Ombudsman. For data requests use the data request page.
16. Governing law and courts
These terms are governed by the laws of India. Subject to any right you have under the law to bring a claim elsewhere, the courts at Hyderabad, Telangana have jurisdiction over any dispute about these terms or the use of the website.
17. Changes to these terms
We may update these terms. The date at the top shows the latest version. If we make a material change, we will tell signed-in users in the app or by email. If you keep using the platform after a change takes effect, you accept the updated terms. A change never reduces the rights you have under the law.
Related pages: Privacy Policy, disclaimer, Your data, how LOANZ 360 works.
Is LOANZ 360 a lender?
No. LOANZ 360 is a loan aggregator and works for partner banks and NBFCs as a lending service provider. The lender decides, prices, sanctions and pays out every loan, normally into your own bank account.
Whose terms apply to my loan?
The lender's. Your loan agreement and Key Fact Statement from the lender set the amount, rate, charges and repayment rules. These terms cover only your use of our website and account.
Which courts can hear a dispute?
The courts at Hyderabad, Telangana, subject to any right you have under the law to bring a claim elsewhere.