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.

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
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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
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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.

9:41

Find my best offer

Soft check
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

Check your rate 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.

Check your rate now