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Retail loans

For the things you are building for yourself.

Four products, four very different sets of lender criteria. Start with the one that matches the need — or tell us the need and we will tell you which one fits.

The four products Eligibility at a glance How it works FAQs
Choose a product

Secured, unsecured, and the space in between.

The security you can offer moves the rate more than almost anything else on your file.

Home Loan

Secured · longest tenures · lowest rates

Lenders typically fund 75–90% of property value. The cheapest money most people will ever borrow, and the slowest to sanction.

See details

Personal Loan

Unsecured · fastest · rate-sensitive

No collateral, decisions in days. This is where the difference between a flat rate and a reducing-balance rate costs the most.

See details

Loan Against Property

Secured · high ticket · flexible end use

Release capital from property you already own, at secured rates, without selling it. Usually 50–70% of market value.

See details

Vehicle Loan

Secured by the vehicle · quick · LTV-driven

A 20%+ down payment lowers your loan-to-value, which can unlock a materially better rate slab.

See details
Eligibility at a glance

What every retail lender looks at.

The weightings differ by lender and product. The inputs almost never do.

Your income

  • Salaried: 3–6 months of payslips and bank statements.
  • Self-employed: 2–3 years of ITRs and audited financials.
  • Stability of employer or business vintage matters as much as the number.

Your obligations

  • Existing EMIs across every active loan and card.
  • Most lenders cap total EMIs at roughly 50–60% of net income.
  • Closing one small loan before applying can change the answer entirely.

Your credit history

  • Bureau score, typically 700+ for the better slabs.
  • Recent hard enquiries — too many reads as distress.
  • Any settlement or write-off on the report needs explaining, not hiding.

Indicative thresholds, sourced from public lender information as of July 2026. Criteria vary by lender, product and profile, and change without notice.

How it works

Four steps, no obligation.

01 Tell us the requirement, income and any existing EMIs.
02 We run it against our lender panel before any formal application.
03 You see the realistic options, with the trade-offs named.
04 You apply to the right lender, with the paperwork already in order.
Retail loan FAQs

The questions that come up first.

Which retail loan is cheapest?

Secured loans are almost always cheaper than unsecured ones, because the lender's downside is covered. In practice that usually orders as Home Loan, then Loan Against Property, then Vehicle Loan, then Personal Loan. But the cheapest loan you qualify for is not always the right one — tenure and end-use restrictions matter too.

What credit score do I need?

Most retail lenders want 700+, and the best rate slabs usually start around 750. Below 700 you are not out of options — some NBFCs price for it — but the rate rises sharply. If you are close to a threshold, waiting a few months can be worth more than any negotiation.

Can I get a loan if I am self-employed?

Yes, though the documentation is heavier: two to three years of ITRs, audited financials, and GST returns where applicable. Lenders differ enormously in how they treat self-employed income, which is exactly the kind of difference comparison-first is designed to find.

Is a flat rate better than a reducing-balance rate?

No. A flat rate is charged on the original principal for the whole tenure, so a 10% flat rate is roughly equivalent to 17–18% reducing balance. Always compare on a reducing-balance basis, which is what our EMI calculator uses.

Will comparing through KredExperts affect my credit score?

No. Comparison happens before anything is filed, so it triggers no hard enquiry. Only the single application you choose to make does — which is the entire point of doing it in this order.

Read all FAQs Borrowing for a business instead?

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