Loan eligibility
See what you might qualify for
Enter your income and obligations for a tentative loan estimate. No obligation and no impact on your credit score.
Check your eligibility
FreeAbout 30 seconds · no credit score impact
- 1Income
- 2Obligations
- 3Result
- No credit score impactUses only what you enter. No bureau enquiry.
- Result in 30 secondsTwo quick steps and an instant estimate.
- Free, no obligationCheck as often as you like.
- Expert lender matchOur team finds options that suit your profile.
How it works
How we estimate your eligibility
The same approach lenders use to size a loan, simplified.
- 01
Your EMI budget
Lenders allow a share of your take-home pay for EMIs. The share depends on your income and is usually higher for higher incomes.
- 02
Minus what you already pay
Your current EMIs and a small part of your credit card dues come out of that budget. What's left is the EMI you can afford.
- 03
Turned into a loan amount
We work out the loan that EMI can repay at a typical interest rate and tenure. Change the tenure beside your result to compare.
Tips
Ways to improve your eligibility
Small changes that can raise the amount lenders offer you.
Pay down card balances
Part of your card dues counts as a monthly obligation. Clearing them frees up room for a new EMI.
Combine small loans
Several small EMIs eat into your budget. Consolidating them into one loan can raise what you qualify for.
Debt consolidationChoose a longer tenure
A longer tenure lowers the EMI for the same amount, so you can borrow more. You pay more interest overall.
Add a co-applicant
For some loans, lenders can count a co-applicant's income along with yours.
Check your CIBIL report
Errors on your credit report can hurt your chances. Check it before you apply.
Plan the EMI first
See what a loan will cost each month, and how the rate and tenure change it.
EMI calculator
FAQs
Common questions
Straight answers on eligibility, CIBIL, EMIs and charges.