SwiftLoan.ai is a loan aggregator & matchmaking platform — we connect you with RBI-registered lending partners. We do not lend directly.

SwiftLoan.ai — smarter borrowing, matched to the right lender

AI lender matching · Approvals in minutes

Smarter borrowing, matched to the right lender.

SwiftLoan.ai reads your profile, checks eligibility across dozens of RBI-registered lenders, and matches you with the offer you're most likely to get approved for — personal or business. No guesswork. No spam calls. Full control of your data.

Apply for a loan

Soft check

No impact on credit score

3 min

Average application time

256-bit

Bank-grade encryption

₹0 Cr+

Loan value facilitated

0+

Lending partners

0%

Match acceptance rate

0+

Customers served

Powering loan journeys with

NBFC Partners
Banking APIs
Account Aggregator
Credit Bureaus
eKYC / DigiLocker
UPI AutoPay
Video KYC
RBI-registered lenders
256-bit encryption
Instant disbursal
eNACH mandates
Penny-drop verification
What we offer

One platform. The right loan for every goal.

Whether it's a personal milestone or fuelling your business, our AI finds the offer that fits your profile and your repayment comfort.

3D illustration of instant personal loan transfer on a phone
For individuals

Personal Loans

Instant, collateral-free funds for the moments that matter — weddings, medical needs, travel, education, or consolidating debt.

  • ₹50,000 – ₹25,00,000 loan amounts
  • Interest from 10.49% p.a.
  • Flexible tenure: 3 to 60 months
  • 100% paperless eKYC & disbursal
WeddingMedicalTravelEducationDebt consolidation
Apply now
3D illustration of a small business growing with invoices and charts
For businesses

Business Loans

Working capital and growth funding for MSMEs, startups and self-employed professionals — matched to your cash-flow reality.

  • ₹1,00,000 – ₹75,00,000 funding
  • Rates tailored to vintage & turnover
  • Tenure: 6 to 48 months
  • GST & bank-statement assessment
InventoryWorking capitalEquipmentExpansionPayroll
Apply now
Your journey

From goal to disbursal in four simple steps

We designed the whole flow around one idea: you should always know what's happening and why.

01

Tell us your goal

Pick personal or business, your amount and purpose. Takes under a minute — no documents yet.

02

Get instantly qualified

Our AI runs a soft eligibility check across our lender network. Zero impact on your credit score.

03

Compare matched offers

See personalised offers ranked by approval confidence, rate and EMI — you choose what fits.

04

eKYC & get funded

Complete paperless verification and consent. Approved funds land directly in your bank account.

Get started

Check your rate in
3 minutes

It's free, it's a soft check, and it won't affect your credit score. See your matched offers instantly.

Your details are encrypted and shared only with your consent.

No credit-score impact

We run a soft eligibility check only.

No obligation to accept

Compare offers, walk away anytime.

18+ lending partners

All RBI-registered banks & NBFCs.

100% paperless

eKYC and digital consent, end to end.

Find my best offer

Soft check
Amount (₹) *Select amount
₹10,000₹50,00,000
Plan with clarity

EMI Calculator

Know your monthly commitment before you apply. Move the sliders to see how amount, rate and tenure reshape your repayment.

Loan amount₹5,00,000
₹50K₹75L
Interest rate (p.a.)11.50%
9%28%
Tenure36 mo
3 mo60 mo

Outstanding balance

Month 1Month 36

Your monthly EMI

₹16,488

× 36 months

16%

interest

Principal
₹5,00,000
Interest
₹93,568
Total payable
₹5,93,568

₹3,298

Per ₹1L

16%

Interest cost

36

Instalments

Apply now

Indicative only. Actual EMI depends on the lender's final approved rate & fees.

Our role: Lending Service Provider (LSP), not a lender

SwiftLoan.ai is a technology platform / Digital Lending App that operates on behalf of RBI-regulated banks and NBFCs (the lenders). We do not lend from our own books, we never disburse, hold or route your money, and we never charge you any fee — all charges are borne by the regulated lender and disclosed to you up-front. Your loan agreement is always directly with the lender.

Loved by borrowers

Real people. Real approvals.

4.8/5 from 12,400+ verified reviews
"I compared 4 lenders in one place and got a rate 3% lower than my bank offered. Money hit my account the next morning."
PPriya N.Personal loan · Pune
"As a small manufacturer, cash flow is everything. SwiftLoan.ai matched me with a working-capital line that actually understood my GST numbers."
RRakesh K.Business loan · Surat
"What sold me was the soft check. I could shop around without wrecking my credit score. Transparent the whole way through."
AAisha M.Personal loan · Bengaluru
"Filled one form on my phone during a lunch break and had three offers by evening. No agent calls, no paperwork runs."
VVikram S.Personal loan · Delhi NCR
"My textile unit needed stock funding before the season. The EMI calculator helped me pick a tenure I could actually service."
MMeera D.Business loan · Coimbatore
"Every charge was listed upfront — processing fee, interest, total payable. First time a loan felt like a straight deal."
AArjun P.Personal loan · Hyderabad
"I was rejected twice elsewhere. Here I saw which lenders would actually consider my profile before I applied."
FFatima R.Personal loan · Lucknow
"Disbursal in under 24 hours kept my order on schedule. Support answered on WhatsApp in minutes, not days."
SSandeep J.Business loan · Ludhiana

Ready to find your best loan offer?

Join 5,00,000+ people who borrowed smarter with SwiftLoan.ai. Fast · Fair · Secure.

Apply now