Tell us about yourself
A few questions about your income, your work and how much you need. It takes about two minutes and there is no signup wall. Progress saves as you go, so a dropped signal does not cost you the application.
Live at loan24x7.nayakedu.com
The boring part of
The boring part of
borrowing money
Loan24x7 is NayakEdu's finance business. It compares personal-loan offers from banks and NBFCs regulated by the Reserve Bank of India, applies each partner's real eligibility rules, and shows you only the offers you could realistically get — with the instalment worked out on your amount.
- Free for borrowers
- No credit-score impact to compare
- No signup wall
loan24x7.nayakedu.com
What would this cost per month?
₹10,000₹15,00,000
9%40%
6 months60 months
Monthly EMI—
Total interest—
Total payable—
Illustrative. Your actual rate is set by the lender after it assesses you — never by us.
Scope
What Loan24x7 is, and what it is not
The distinction matters legally and practically, so we state it plainly on every surface we own.
| Question | Loan24x7 | The lending partner |
|---|---|---|
| Who shows you the offers? | We do — filtered to what you qualify for | — |
| Who decides whether you get the loan? | Never us | The lender, after its own assessment |
| Who sets the interest rate and fees? | Never us | The lender, disclosed before you sign |
| Who pays out the money? | We never touch your funds | The lender, directly to you |
| Who do you repay? | Nothing is owed to us | The lender |
| What does it cost you? | Nothing, ever | The interest and fees it discloses |
Every partner is RBI-regulated. We only compare banks and non-banking financial companies licensed by the Reserve Bank of India. If a lender is not regulated, it does not appear on Loan24x7 — regardless of what it would pay us.
How it works
Three steps, about two minutes
The whole thing runs on your phone. No branch visit, no printed form, no hold music.
See the offers you qualify for
We match you against every partner's real eligibility rules and show only what you can actually get, with the EMI computed for your amount and tenure — not a headline rate for a loan you did not ask for.
Apply with the lender you choose
Pick an offer and we hand you over to that lender. They make the final decision and pay out the money. We never touch your funds, and nothing is owed to us at any point.
The rules we apply before you see a single offer
These come from signed partner agreements, not from guesswork. Each partner page shows when its figures were last updated.
What we hold ourselves to
Four commitments, each with a cost attached
Every one of these makes the funnel narrower. That is the trade we chose.
We do not invent numbers
Every rate, income floor and loan ceiling comes from a signed partner agreement. Every EMI figure on the site — including the example in the footer — is computed by the same function the offer engine uses, and that function is pinned by tests against known values.
We disclose the commercial interest
Partners pay us when a referral becomes a loan. That commercial weighting is capped at 5 points out of 100 in our ranking, so a better-fitting offer always beats a better-paying one — and the full method is published, not summarised.
We do not use dark patterns
No fake live counters, no countdown timers, no invented scarcity, no pre-ticked consent boxes, and no reviews we cannot attribute to a real customer. If you see a number on Loan24x7, it is real.
We collect as little as we can
We never ask for your Aadhaar number, your passwords or an OTP. Credit reports you choose to upload are deleted automatically after 90 days, and you can ask us to erase everything at any time.
Borrower safety
How to tell a real lender from a predatory app
India has seen a wave of unlicensed instant-loan apps that harvest a borrower's contacts and photo gallery, shorten the advertised tenure in the fine print, and then use the stolen contact list to threaten and shame people into paying. Some of those cases ended in suicide.
We are in this business, so we will say the useful part out loud, even though none of it sends you to our product.
Five checks before you install anything
- Check the RBI register. A legitimate lender is a bank or an NBFC licensed by the Reserve Bank of India, and it will name that entity. An app that will not tell you which regulated entity lends the money is not one.
- Never grant contacts or gallery access. No lending decision on earth requires your address book or your photos. A finance app asking for either is collecting leverage, not data.
- Read the tenure and the deductions. The trap is an advertised 90-day loan that becomes 7 days in the fine print, with "processing fees" cut from the disbursal but not from the repayment.
- Never borrow from app B to pay app A. That is the designed escalation, and the second app is often run by the same operation as the first.
- If threats start, report — do not pay. Harassment and blackmail are crimes regardless of what you owe. Call the national cybercrime helpline on 1930 and file at cybercrime.gov.in. Tell someone you trust the same day.
If you are being threatened by a recovery agent right now, the debt does not justify the threat. Nothing you owe makes it legal for anyone to contact your family, morph your photographs or abuse you. Call 1930. In India, if you are in crisis, Tele-MANAS is reachable free on 14416, at any hour.
What's next
An app is on the way
We are building a Loan24x7 app so you can track an application and be told the moment a new partner could match you. It is not live yet, and we are not going to pretend otherwise with a dead download link on a store badge.
Application tracking
See where you are with the lender, without chasing a call centre.
New-match alerts
One notification when a partner you did not qualify for changes its rules.
Repayment reminders
Ahead of the due date, so a missed EMI never becomes a credit-file event.
हिंदी and more
The comparison flow in the language you actually think about money in.
See what you actually qualify for
Answer a few questions and compare real offers from our lending partners. It is free, and comparing does not affect your credit score.