Loans
Loan marketplace for India
Compare home, car, personal, business and gold loan offers from RBI-licensed lenders
Infyner Loans is a marketplace of pre-approved loan offers from leading Indian banks and NBFCs across home, car, personal, business and gold loan categories. One profile, one credit pull, multiple offers - with rates, processing fees, foreclosure terms and disbursal time on a single comparison screen. Built for borrowers who want transparency and lenders who want quality applicants.
Why this exists
Borrowing in India is fragmented, and borrowers pay for it
Walk into a branch of any bank and you will be sold the rate that branch is told to push. Apply on three lender websites and you will get three hard pulls and three sales calls. Read the comparison sites and the rate you see is rarely the rate you get because the comparison was based on a synthetic profile, not yours. The information asymmetry costs Indian borrowers thousands of crores every year in unnecessary interest.
Infyner Loans is the marketplace built to flatten this. One profile, one soft pull, multiple real offers from RBI-licensed lenders. The rates you see are calibrated to your profile, not to a teaser. The terms are all-in, with the foreclosure charge and the all-in APR shown next to the headline rate. Free for borrowers; lenders pay only on disbursal. Honest by construction.
Five loan families
Pick the loan you actually need
Each family is a separate workflow with its own eligibility model, document set and lender panel. Click through to the dedicated page for the one you want.
Home loan
Property purchase, construction, balance transfer, top-up. Loan-to-value up to 90 percent, tenor up to 30 years, rates from 8.40 percent. <a href='/products/loan/home-loan'>See home loan rates</a>.
Car loan
New cars, certified pre-owned, refinance. LTV up to 90 percent on new, 70 percent on used. Rates from 8.95 percent on new, 11.99 percent on used. <a href='/products/loan/car-loan'>See car loan rates</a>.
Personal loan
Salary-based, no collateral, ticket from INR 50,000 to INR 50 lakh. Same-day disbursal in most metros. Rates from 10.49 percent. <a href='/products/loan/personal-loan'>See personal loan rates</a>.
Business loan
Working capital, term loans, line of credit for SMEs and MSMEs. Tickets from INR 2 lakh to INR 5 crore. Collateral and unsecured options. <a href='/products/loan/business-loan'>See business loan options</a>.
Gold loan
Highest LTV on gold ornaments, same-day disbursal, doorstep service in metros. Rates from 9.99 percent. <a href='/products/loan/gold-loan'>See gold loan rates</a>.
How we operate
Infyner is a digital marketplace, not a lender. Every offer comes from an RBI-licensed bank or NBFC. We never charge borrowers a fee - the lender pays the marketplace commission only on disbursal.
How it works
How the marketplace works
Tell us what you need
Loan amount, tenor, purpose and a quick profile - employment, income, existing EMIs. Three minutes maximum.
Get pre-approved offers
We run a soft-pull credit check (does not affect your bureau score) and surface every lender on our panel that matches your profile. Side by side: rate, processing fee, prepayment terms, disbursal time.
Pick a lender, complete the file
Once you pick, the lender takes over - hard pull, document verification, sanction letter, disbursal. We track every step and surface delays so you do not chase the lender's branch.
Who it is for
Whom this is for
Free for borrowers, always.
Borrowers never pay Infyner a fee. The lender pays a small commission upon disbursal, which is already reflected in the rate the lender offers. The marketplace check itself is a soft pull and does not affect your credit score.
Trust and security
How the marketplace stays honest
RBI-licensed only
Every lender on the panel is a scheduled commercial bank, a regional rural bank, a small finance bank, or an NBFC licensed by the Reserve Bank of India. No unregulated lenders, no informal money.
Rates as published
We show the rate the lender will actually offer to your profile, not a teaser rate buried under conditions. If a lender has a step-up rate, the schedule is on the offer card.
Borrowers do not pay us
Infyner does not charge borrowers any fee. The lender pays a marketplace commission only when a loan is sanctioned and disbursed. The rate you see is the rate you pay.
Your data is yours
Profile data is shared with a lender only after you pick that lender. India-region storage. No data sale to telemarketers, no cross-marketing without explicit consent.
FAQ
Common questions about the loan marketplace
No. Infyner is a digital marketplace registered as an information aggregator. Every offer comes from a partner bank or NBFC that holds an RBI licence. The loan agreement is between you and the lender; we are neither a co-lender nor a guarantor.
The marketplace check is a soft pull, which does not affect your CIBIL or other bureau scores. Hard pulls happen only after you pick a specific lender and they begin underwriting. Compared to applying at three lenders separately (three hard pulls), the marketplace approach saves your score.
Personal loan: as fast as same day. Car loan: 2-5 working days post-document verification. Business loan: 5-15 working days depending on collateral. Home loan: 10-21 working days post-property valuation. Each offer card shows the lender's typical disbursal SLA so you can choose by speed if speed matters.
No. The offer card shows: interest rate (effective and reducing), processing fee, prepayment / foreclosure terms, late-payment penalty and the all-in APR. There are no marketplace-side surprises. Stamp duty on the loan agreement (where applicable) is paid as per the state stamp act, separate from the loan amount.
For personal and salary-based loans: PAN, Aadhaar, three months' salary slips, six months' bank statements. Self-employed: PAN, Aadhaar, two years ITR, two years bank statements, GST returns if registered, business proof. Home and car loans add property/vehicle papers. Each loan family page lists the exact requirements.
Most offers allow prepayment. Foreclosure terms vary - some lenders waive charges fully (for floating-rate home loans, the RBI mandates no foreclosure charge), others charge 2-5 percent of the outstanding. The offer card shows the exact term so you can compare apples to apples.
No. The marketplace check is exploratory. Many users use it to understand what they qualify for before deciding. There is no obligation to proceed with any offer.
Yes - for home loan, personal loan and business loan especially. The marketplace check returns balance-transfer offers explicitly. Compare the new rate, the new processing fee and the foreclosure charge on your existing loan; we surface a break-even months calculation.
India-region storage, encrypted at rest, tokenised PAN and Aadhaar. Your profile is shared with a lender only after you pick that lender. We do not sell data, do not run cross-marketing without explicit consent, and follow the Digital Personal Data Protection Act 2023.
The lender pays Infyner a commission upon loan sanction and disbursal - typically a small percentage of the loan amount. The borrower never sees this fee, and the rate you see on the offer card already accounts for it. Lenders bid for our user base because the marketplace delivers underwritten leads.
More from Infyner
Pairs well with the rest of Infyner
If you are a lender wanting borrower-side intelligence, Credit Intelligence delivers it.
Lenders on the panel use Infyner Verify in their KYC flow - so the experience is consistent end to end.
Lenders integrate the marketplace via the Infyner API - clean REST endpoints, transparent SLAs.
Glossary
Terms used on this page
- Soft pull
- A bureau enquiry that does not affect your credit score. Used for eligibility checks and pre-approval. The marketplace check is a soft pull.
- Hard pull
- A bureau enquiry triggered by a real loan application. Multiple hard pulls in quick succession can drop your score by a few points.
- LTV
- Loan-to-Value - the percentage of the asset value the lender will fund. Higher LTV means lower down payment.
- APR
- Annual Percentage Rate - the all-in cost of the loan including interest, processing fees and other charges expressed as an annual rate. The right number to compare across offers.
- Balance transfer
- Switching an existing loan to a new lender to get a lower rate. Worth doing when the rate gap exceeds the processing fee plus the foreclosure charge of the original lender.
Last reviewed: 2026-05-09.