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

Check your eligibility arrow_forward calculate Calculate my EMI
  • shield
    Soft checkNo impact on credit score
  • speed
    3 minAverage application time
  • lock
    256-bitBank-grade encryption
Your best match found
₹5,00,000approved limit
Interest ratefrom 10.49%
Tenureup to 60 mo
92% match confidence
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18 lenderschecked instantly
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Consent-firstYou approve every share
Powering loan journeys with
account_balance NBFC Partners api Banking APIs hub Account Aggregator analytics Credit Bureaus badge eKYC / DigiLocker payments UPI AutoPay
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Loan value facilitated
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Lending partners
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Match acceptance rate
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Customers served
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.

person For individuals

Personal Loans

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

  • check_circle ₹50,000 – ₹25,00,000 loan amounts
  • check_circle Interest from 10.49% p.a.
  • check_circle Flexible tenure: 3 to 60 months
  • check_circle 100% paperless eKYC & disbursal
celebration Wedding local_hospital Medical flight Travel school Education credit_card Debt consolidation
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Most popular
storefront For businesses

Business Loans

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

  • check_circle ₹1,00,000 – ₹75,00,000 funding
  • check_circle Rates tailored to vintage & turnover
  • check_circle Tenure: 6 to 48 months
  • check_circle GST & bank-statement assessment
inventory_2 Inventory receipt_long Working capital construction Equipment trending_up Expansion groups Payroll
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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.

  1. 01

    Tell us your goal

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

  2. 02

    Get instantly qualified

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

  3. 03

    Compare matched offers

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

  4. 04

    eKYC & get funded

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

The intelligence layer

Intelligent qualification & lender matching

Applying to lenders one by one hurts your credit score and wastes time. SwiftLoan.ai flips the model — we assess you once, then match you to lenders whose criteria you actually meet.

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Approval-first matching

We rank lenders by your real likelihood of approval, not by who pays us the most.

insights

Multi-signal underwriting

Income, cash-flow, bureau data and Account Aggregator signals — analysed in seconds.

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Soft-check protection

Eligibility is checked with soft pulls, so shopping for the best rate never dents your score.

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Transparent ranking

Every offer shows the rate, fees, EMI and total cost up-front. No hidden surprises.

smart_toy Matching engine live
RS
Profile analysedIncome · Bureau · Bank flow · GST
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Aditya Finance10.49%96%
MetroCredit NBFC11.25%91%
Prime Capital12.10%78%
UrbanLend13.00%64%

Ranked by approval confidence · updated in real time

Plan with clarity

EMI Calculator

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

₹5,00,000
₹50K₹75L
11.5%
9%28%
36 months
3 mo60 mo
Your monthly EMI ₹16,489
Principal ₹5,00,000 Interest ₹93,604
Total payable₹5,93,604
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Indicative only. Actual EMI depends on the lender's final approved rate & fees.

Always in the loop

Track your application in real time

No more wondering "what's happening with my loan?". Enter your reference ID to see exactly where you are — from submission to money in the bank.

Demo IDs: ·

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Enter an application ID to see live status

Ecosystem

Built with trusted lending & business partners

We're a technology bridge — the actual lending is done by our regulated partners, and we help great businesses embed credit into their platforms.

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For lending partners

Reach pre-qualified, intent-rich borrowers and reduce acquisition cost. Our engine sends you only applicants who fit your credit box.

  • arrow_forward Pre-filtered, consented applications
  • arrow_forward Lower rejection & underwriting cost
  • arrow_forward API-first integration & real-time decisioning
  • arrow_forward Portfolio-quality lead scoring
Become a lending partner
handshake

For business partners

Embed SwiftLoan.ai credit into your app or checkout. Offer your customers instant financing — we handle matching, compliance and disbursal.

  • arrow_forward Plug-and-play embedded lending SDK
  • arrow_forward Co-branded borrower experience
  • arrow_forward Revenue share on funded loans
  • arrow_forward Full compliance & consent handled for you
Partner with us
NBFCsFintech lendersMarketplacesSaaS platformsRetail & POSNeobanks
Trust & safety

Your data, your consent, always

We built SwiftLoan.ai to a higher bar than we're required to — because trust is the whole product.

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256-bit encryption

Every byte in transit and at rest is encrypted to bank-grade standards.

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Consent-first sharing

Your data is only shared with a lender after you explicitly approve — via Account Aggregator.

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No spam, ever

We don't sell your number. You won't be buried in cold calls after applying.

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RBI-aligned partners

All lending is done by RBI-registered banks & NBFCs following fair-practice codes.

visibility

Full transparency

See every fee, rate and term before you commit. No fine-print traps.

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Data control

Revoke consent or request data deletion any time from your dashboard.

Loved by borrowers

Real people. Real approvals.

starstarstarstarstar 4.8/5 from 12,400+ verified reviews
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"I compared 4 lenders in one place and got a rate 3% lower than my bank offered. Money hit my account the next morning."
PN
Priya N.Personal loan · Pune
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"As a small manufacturer, cash flow is everything. SwiftLoan.ai matched me with a working-capital line that actually understood my GST numbers."
RK
Rakesh K.Business loan · Surat
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"What sold me was the soft check. I could shop around without wrecking my credit score. Transparent the whole way through."
AM
Aisha M.Personal loan · Bengaluru
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.

  • check_circle No impact on credit score
  • check_circle No obligation to accept
  • check_circle Compare offers from 18+ lenders
  • check_circle 100% paperless
lock Your details are encrypted and shared only with your consent.

Find my best offer

shield Soft check

By submitting, you consent to being contacted about your application. This is not a guarantee of loan approval.

Questions?

Frequently asked questions

Does SwiftLoan.ai lend money directly?add

No. SwiftLoan.ai is a loan aggregation and matchmaking platform. We use technology to match you with RBI-registered banks and NBFCs who do the actual lending. The final loan agreement is always between you and the lender.

Will checking my eligibility affect my credit score?add

No. Our initial eligibility check uses a "soft pull" which is not visible to other lenders and does not impact your credit score. A "hard pull" only happens later, with your explicit consent, when you proceed with a specific lender.

How long does approval and disbursal take?add

Matching and indicative offers are instant. Once you pick an offer and complete eKYC, many of our partners approve and disburse within a few hours to 2 working days, depending on the loan type and verification.

What documents will I need?add

Typically your PAN, Aadhaar (for eKYC), and bank statements or GST returns for business loans. Most verification is paperless via DigiLocker and Account Aggregator — you rarely need to upload anything manually.

Are there any charges to use SwiftLoan.ai?add

Using SwiftLoan.ai to check eligibility and compare offers is free for borrowers. Lenders may charge processing fees on the loan you accept — these are always shown transparently before you commit.

Is my personal data safe?add

Yes. We use 256-bit encryption, follow a consent-first model via the RBI's Account Aggregator framework, and never sell your data. You can revoke consent or request deletion at any time.

What if I have a low credit score?add

Because we match across many lenders with different credit criteria, you may still find offers even with a limited or lower score. We rank options by your real likelihood of approval — but approval and final terms are always at the lender's discretion.

Ready to find your best loan offer?

Join 500,000+ people who borrowed smarter with SwiftLoan.ai. Fast · Fair · Secure.

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