One advisor. Six banks. Every loan.

The right loan, from the right bank.
In writing, in 48 hours.

We place CIBIL 700+ professionals across personal, business, home and mortgage loans. Secured or unsecured. From HDFC, ICICI, Axis, Bajaj, Tata Capital and Yes Bank. Three written offers, side by side.

Find my loan Calculate an EMI
6
vetted lender partners
1,840
placements completed
42 hrs
median to first offer
Today's panel · indicative bands
Find your match
as of today
Final rate depends on your file. We send written sanction terms before you sign anything.
We place you with India's most-trusted lenders. No SMS spam from 25 others.
HDFC Bank - AdvanceCred lender partner ICICI Bank - AdvanceCred lender partner Axis Bank - AdvanceCred lender partner Bajaj Finserv - AdvanceCred lender partner Tata Capital - AdvanceCred lender partner Yes Bank - AdvanceCred lender partner
What we place

A loan for every milestone. From banks you've heard of.

We're a regulated loan service provider. We don't lend. We negotiate with our six-bank panel on your behalf, present three written offers, and let you choose. Every product below comes back as itemised sanction terms.

UNSECURED

No collateral. Pure credit.

For salaried professionals and businesses with steady cash flow. Disbursal in 5 to 10 working days, no asset mortgage required.

UNSECURED

Business Loan

For SMEs and self-employed professionals.

Amount
₹1L to ₹5Cr
Tenure
12 to 60 months
Indicative rate
12.0% p.a. onwards
  • Working capital · expansion · equipment finance
  • 2+ years business vintage and ITR-2 / 3 required
  • GST-registered businesses get a lower rate band
SECURED

Asset-backed. Sharper rates.

Loans secured against property or other assets carry the lowest rates we can negotiate. Best for home buyers and anyone with property equity to unlock.

SECURED

Home Loan

New purchase, ready-to-move or under construction.

Amount
Up to ₹10Cr
Tenure
Up to 30 years
Indicative rate
7.20% p.a. onwards
  • First-time buyers, salaried and self-employed
  • PMAY subsidy eligibility check, where applicable
  • We also handle balance transfers from your existing HL
SECURED

Loan Against Property

Unlock equity in your owned property.

Amount
Up to ₹5Cr
Tenure
Up to 15 years
Indicative rate
8.40% p.a. onwards
  • Residential, commercial or industrial property
  • Self-occupied or rented. both eligible
  • Used for business, education, medical, debt consolidation
SECURED

Mortgage · Balance Transfer

Move an existing home loan to a sharper rate.

Amount
Specialty
Tenure
Match your existing tenure
Indicative rate
7.60% p.a. onwards
  • Top-up against existing HL also available
  • We calculate the break-even on processing fees vs savings
  • Stamp duty cost included in our recommendation
FEATURED PRODUCT

Debt consolidation, our specialty.

Replace 3 to 5 EMIs with one. Median customer cuts monthly outflow by 28%. We negotiate with your existing lenders and present a single consolidated EMI at a CIBIL-band-appropriate rate.

1,840consolidations placed · FY 25
28%median EMI cut
₹9,240median monthly saving
Read the consolidation deep-dive
EMI calculator

Know your number before you talk to anyone.

Set the amount, rate and tenure to see your monthly EMI instantly. Personal loans start at 9.99%, home loans at 7.20% and loans against property at 8.40%. try your band, then let us beat it in writing.

Open the full calculator Get my real rate
₹ 10,00,000
9.99%
5 yrs
Monthly EMI ₹ 21,247
Total interest ₹ 2,74,842
Total payable ₹ 12,74,842
Why customers stay with us

Four promises. In writing. Across every loan we place.

01

We don't lend.

We place. We're paid by the lender. You pay nothing upfront. The fee is itemised on every offer sheet.

02

Three lenders, not 25.

You approve which lenders we approach. Your data never goes to anyone you didn't approve.

03

Soft CIBIL only.

We pre-qualify against a soft pull (no score impact) before we approach anyone. Hard pull happens after you say yes.

04

Named advisor, direct line.

Not a phone bank. One named person stays with your file from pre-qualification to disbursal.

How it works

From first call to disbursal, in four steps.

1

Tell us your goal

Two minutes on the form or a call. We map your income, obligations and the loan you actually need.

2

Soft CIBIL pre-qualification

No score impact. We benchmark your file against our six-bank panel's live criteria.

3

Three written offers

Median 42 hours to the first offer. Rates, fees and terms itemised, side by side.

4

You choose. We close.

Your named advisor handles documentation through to disbursal. typically 5 to 10 working days.

From the desk

Guides written by people who place loans all day.

Simplify Your Finances: Merge Multiple EMIs into One with AdvanceCred’s Debt Consolidation Loan

Simplify Your Finances: Merge Multiple EMIs into One with AdvanceCred’s Debt Consolidation Loan

Tired of juggling multiple EMIs every month? AdvanceCred helps you merge all your high-interest loans into one easy EMI through smart debt c…

Read the guide
How AdvanceCred Helps You Escape Multiple High-Interest EMIs with One Smart, Low-Interest Consolidated Loan

How AdvanceCred Helps You Escape Multiple High-Interest EMIs with One Smart, Low-Interest Consolidated Loan

AdvanceCred empowers individuals burdened with multiple high-interest EMIs by merging them into a single, low-interest monthly payment. This…

Read the guide
Merge Multiple Loans into One Single EMI: Your Complete Guide to Debt Consolidation

Merge Multiple Loans into One Single EMI: Your Complete Guide to Debt Consolidation

Managing multiple loans can feel overwhelming. Between personal loans, credit card dues, app loans, payday loans, and consumer loans, keepin…

Read the guide
Questions, answered

Before you ask: the five things everyone asks.

Personal loan rates through our panel start at 9.99% p.a. for salaried professionals with CIBIL 720+ at listed corporates, MNCs or government employers. Your final rate depends on your income and credit file, and it arrives as written sanction terms, not a phone promise.

Home loans start at 7.20% p.a. with tenures up to 30 years and amounts up to ₹10 crore. Loans against property start at 8.40% p.a. for residential, commercial or industrial property, up to ₹5 crore over 15 years.

Our median customer replaces 3 to 5 EMIs with one and cuts monthly outflow by 28%. a median saving of ₹9,240 a month. The exact number depends on the rates you're currently paying; the on-page calculator above gives you a fast estimate.

No. We pre-qualify you against a soft CIBIL pull, which has zero score impact. A hard inquiry happens only after you approve a specific lender's written offer.

Nothing upfront, ever. We're paid by the lender on successful disbursal, and that fee is itemised on every offer sheet you receive. If we can't beat your current terms, we tell you to stay put.
See all FAQs
No spam. No upfront fees. No hard pull.

Three written offers. One good decision.

Tell us what you need in two minutes. A named advisor calls you back the same working day.

Find my loan Call +91 99877 63779