Services we Offer

Click here to Check Instant Personal Loans On Creditoclock

1. Quick Approval & Disbursal
Loans are approved and disbursed within minutes to a few hours.
Entire process is usually digital.

2. Minimal Documentation
Basic KYC (Aadhaar, PAN), income proof, and bank statements.
Some lenders offer completely paperless loans.

3. Unsecured Loan
No collateral or guarantor required.

4. Flexible Loan Amount
Loan amounts typically range from ₹10,000 to ₹5,00,000 or more, depending on eligibility.

5. Short to Medium Tenure
Repayment period usually ranges from 3 months to 5 years.

6. Digital Process
Application, verification, and loan sanction can be done via mobile apps or websites.

7. Eligibility Based on Credit Score
Higher credit score = better chances of approval and lower interest rates.

8. High Interest Rates
Typically higher than secured loans (can range from 10% to 30%+ per annum).

9. Prepayment & Foreclosure Options
Most lenders allow early repayment, sometimes with a small fee.

10. EMI Options
Fixed monthly EMIs based on principal + interest.

Check Your Eligibility!

Quick application process
Online business loans offer a fast and convenient digital application process, often completed in minutes.

Minimal documentation
Lenders typically require fewer documents, such as business registration proof, bank statements, and KYC documents.

Fast approval and disbursal
Loan approval and disbursal can happen within 24–72 hours, depending on the lender and eligibility.

No collateral required
Many online business loans are unsecured, so no assets or guarantees are needed.

Flexible loan amounts
Loan amounts can range from ₹50,000 to several crores, based on business revenue and creditworthiness.

Short to medium repayment tenure
Tenures typically range from 6 months to 5 years, with monthly or bi-weekly repayment options.

Customized loan products
Lenders may offer tailored loans like working capital loans, invoice financing, or line of credit.

Interest rates based on risk profile
Interest rates vary depending on the borrower's credit score, business performance, and tenure, usually starting from 10% per annum.

Online tracking and management
Borrowers can track loan status, repayment schedule, and account statements via web or mobile apps.

Eligibility based on business performance
Approval is often based on turnover, cash flow, time in business, and credit history rather than only profit or assets.

Click here to apply online

High loan amounts
Home loans are typically large-ticket loans, ranging from a few lakhs to several crores, depending on the property's value and borrower eligibility.

Long repayment tenure
Tenures can go up to 30 years, making EMIs more affordable for borrowers.

Lower interest rates
Home loans generally offer lower interest rates compared to other types of loans, usually starting around 8% per annum.

Secured loan
The property being purchased serves as collateral until the loan is fully repaid.

EMI-based repayment
Repayment is made through Equated Monthly Installments (EMIs), which include both principal and interest components.

Tax benefits
Borrowers can claim deductions on principal (Section 80C) and interest (Section 24) under the Income Tax Act.

Down payment requirement
Most lenders finance up to 75–90% of the property value; the remaining amount must be paid upfront by the borrower.

Prepayment and foreclosure options
Borrowers can repay the loan early, often without penalties (especially for floating-rate loans).

Balance transfer facility
Option to switch to another lender offering lower interest rates or better terms during the loan tenure.

Eligibility based on income and credit score
Loan approval depends on the borrower’s income, employment status, age, credit history, and property documents.

Let me know if you’d like a comparison between home loans and other types of loans or a sample EMI breakdown.

Click here to apply

Secured loan
The loan is provided against a residential, commercial, or industrial property used as collateral.

High loan amount
You can get up to 60–75% of the property’s current market value, depending on the lender’s policy.

Lower interest rates
Interest rates are generally lower than personal loans due to the secured nature of the loan, typically starting from around 8–10% per annum.

Flexible end use
Funds can be used for various purposes such as business expansion, education, medical expenses, or debt consolidation.

Long repayment tenure
Tenures can extend up to 15–20 years, making EMIs more manageable.

Ownership remains with borrower
Although the property is mortgaged, you retain ownership and can continue to use it.

Prepayment and foreclosure options
Most lenders allow part-prepayment or full foreclosure, with or without charges depending on the loan type (fixed or floating).

Eligibility based on income and property value
Approval depends on your repayment capacity, income, credit score, and the property's condition and market value.

Available to individuals and businesses
Both salaried individuals and self-employed professionals/business owners can apply.

Top-up loan facility
Some lenders offer additional funds on top of the existing LAP, if your repayment history and eligibility are strong.