Personal Loan for Salaried
Regular income, fast approval. Get personal loans on your salary slip and repayment capacity.
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Leading Partners
100%
Customer Satisfaction
5+
Years of Experience
100+
Loan Processed
Top-Notch Loan Advisory: Loans, Insurance & Investments—All in One Place
Smart solutions. Stronger future. PayYouAdvisory helps you achieve your financial goals with confidence.
No collateral financial services for life's big and small moments. Flexible EMIs according to your earnings. test
Compare loan options for expansion capital, equipment financing, and more. Options tailored to your business needs.
Competitive rates and high loan amounts make easy finance solutions to buy, build, or renovate your home easily.
As a reliable and DSA authorized loan advisor, we help you extract equity from your home with flexible repayment options.
Get instant loan assistance for gold funding at competitive rates. Minimal paperwork, same-day disbursement.
Our loan advisory services help you get a loan by pledging your existing investments, like shares, mutual funds, or FDs.
Enjoy loan matching for your flexible car and necessary purchase financing. Flexible repayment terms designed for your needs.
Structured loans with flexible repayment options to fund your degree or study abroad plans after you finish your course.
Secure your family's future with financial protection that lasts a lifetime. test
Cover medical expenses for you and your family with plans built for real healthcare costs.
Financial protection against accidental injury, disability, or loss of income when it matters most.
High coverage at low premiums — pure protection for your loved ones' financial security.
Compare interest rates and build a disciplined savings habit with monthly deposits and assured returns.
Grow your savings safely with guaranteed returns and flexible tenure options.
Save small amounts daily and watch them grow into meaningful returns over time.
As your loan advisor, we help you combine the safety of fixed deposits with the growth potential of systematic investing.
Personal Loan for Self-Employed
No regular pay check? No worries. Financing options that are based on the income and cash flow of your business.
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Balance Transfer of Personal Loans
Got a loan with high interest? Switch lenders and save on your EMI. Easy transfer.
Explore MorePersonal Loan for Salaried
Regular income, fast approval. Get personal loans on your salary slip and repayment capacity.
Explore MorePersonal Loan for Self-Employed
No regular pay check? No worries. Financing options that are based on the income and cash flow of your business.
Explore MoreBalance Transfer of Personal Loans
Got a loan with high interest? Switch lenders and save on your EMI. Easy transfer.
Explore MorePersonal Loan for Salaried
Regular income, fast approval. Get personal loans on your salary slip and repayment capacity.
Explore MorePersonal Loan for Self-Employed
No regular pay check? No worries. Financing options that are based on the income and cash flow of your business.
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Unsecured Business Loan
No collateral. Fast working capital based on your business performance and turnover.
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Loan for MSMEs
Finance is made to measure for small- to medium-sized enterprises, with plans designed to help you grow.
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Loan for Working Capital
Keep things moving—cover everyday expenses without interrupting your cash flow.
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Loan for Women Entrepreneurs
Customized schemes and preferential rates to support women-led businesses at every stage.
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New Home Purchase Loan
Turn your dream house into an address—competitive rates and high loan-to-value ratios.
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Home Construction Loan
Starting from ground zero? Link disbursement to your construction phases.
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Transfer of Home Loan Balance + Top-up
Switch lenders to lower your EMI and get extra funds whenever you need it.
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Commercial Real Estate Loan
Access funds for expansion or working capital secured by your commercial property.
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Mortgage Loan
Evaluate the value of your home or residential asset without losing ownership.
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Discounting Lease Payments
Turn future rental income into immediate cash—perfect for landlords with tenants.
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Home Loan
Funding against your property with flexible tenure and competitive rates in value.
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Loan Against Gold Jewellery
Instant funds against your gold ornaments with safe storage, quick disbursal, and minimal paperwork.
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Loan Sharing
Unlock liquidity with your equity assets, without selling—hold and grow your portfolio.
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Loan for Mutual Funds
Get your MF investment liquidity unlocked while still yielding returns.
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Life Insurance Policy Loan
Use the surrender value of your policy as collateral to obtain fast, low-cost funding.
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Loan Against Fixed Deposits
Borrow up to your FD value at low interest—no need to break your deposit early.
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Two-Wheeler Loan
Easy finance on your new two-wheeler. You can choose from flexible ways to repay.
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Used Car / Pre-Owned Car Loan
Flexible financing on quality used vehicles. Easy ways to pay for your purchase.
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Consumer Durable Loan (No Cost EMI)
Affordable financing for your appliances and electronics. No-cost EMI options with flexibility.
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Car Loan
Flexible financing on your dream car. Easy repayment options to suit every budget.
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Domestic Education Loans
For higher studies in India—including tuition, hostel, and other academic fees.
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Overseas Study Loan
Make your dream of studying abroad come true from tuition fees to living expenses abroad.
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Loan for Education Without Collateral
Unsecured funding for qualifying courses and institutions—no asset pledge needed.
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Professional Course Education Loan
Specialized loans for MBA, medical, engineering, and other professional courses.
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Life Insurance
Secure your family's future with financial protection that lasts a lifetime.
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Term Insurance
High coverage at low premiums — pure protection for your loved ones' financial security.
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Health Insurance
Cover medical expenses for you and your family with plans built for real healthcare costs.
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Personal Accident Insurance
Financial protection against accidental injury, disability, or loss of income when it matters most.
Explore MoreLife Insurance
Secure your family's future with financial protection that lasts a lifetime.
Explore MoreTerm Insurance
High coverage at low premiums — pure protection for your loved ones' financial security.
Explore MoreHealth Insurance
Cover medical expenses for you and your family with plans built for real healthcare costs.
Explore MorePersonal Accident Insurance
Financial protection against accidental injury, disability, or loss of income when it matters most.
Explore MoreLife Insurance
Secure your family's future with financial protection that lasts a lifetime.
Explore MoreTerm Insurance
High coverage at low premiums — pure protection for your loved ones' financial security.
Explore MoreHealth Insurance
Cover medical expenses for you and your family with plans built for real healthcare costs.
Explore MorePersonal Accident Insurance
Financial protection against accidental injury, disability, or loss of income when it matters most.
Explore MoreLife Insurance
Secure your family's future with financial protection that lasts a lifetime.
Explore MoreTerm Insurance
High coverage at low premiums — pure protection for your loved ones' financial security.
Explore MoreHealth Insurance
Cover medical expenses for you and your family with plans built for real healthcare costs.
Explore MorePersonal Accident Insurance
Financial protection against accidental injury, disability, or loss of income when it matters most.
Explore MoreFixed Deposits
Grow your savings safely with guaranteed returns and flexible tenure options.
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Recurring Deposit (RD)
Compare interest rates and build a disciplined savings habit with monthly deposits and assured returns.
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Daily Saving Plans
Save small amounts daily and watch them grow into meaningful returns over time.
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FD-Linked SIP
As your loan advisor, we help you combine the safety of fixed deposits with the growth potential of systematic investing.
Explore MoreFixed Deposits
Grow your savings safely with guaranteed returns and flexible tenure options.
Explore MoreRecurring Deposit (RD)
Compare interest rates and build a disciplined savings habit with monthly deposits and assured returns.
Explore MoreDaily Saving Plans
Save small amounts daily and watch them grow into meaningful returns over time.
Explore MoreFD-Linked SIP
As your loan advisor, we help you combine the safety of fixed deposits with the growth potential of systematic investing.
Explore MoreFixed Deposits
Grow your savings safely with guaranteed returns and flexible tenure options.
Explore MoreRecurring Deposit (RD)
Compare interest rates and build a disciplined savings habit with monthly deposits and assured returns.
Explore MoreDaily Saving Plans
Save small amounts daily and watch them grow into meaningful returns over time.
Explore MoreFD-Linked SIP
As your loan advisor, we help you combine the safety of fixed deposits with the growth potential of systematic investing.
Explore MoreFixed Deposits
Grow your savings safely with guaranteed returns and flexible tenure options.
Explore MoreRecurring Deposit (RD)
Compare interest rates and build a disciplined savings habit with monthly deposits and assured returns.
Explore MoreDaily Saving Plans
Save small amounts daily and watch them grow into meaningful returns over time.
Explore MoreFD-Linked SIP
As your loan advisor, we help you combine the safety of fixed deposits with the growth potential of systematic investing.
Explore MoreKnow Your EMI Before You Apply
Use our free loan EMI calculators to plan your principal, interest, and tenure.
With our redundant loan advisory services you get no surprises later.
Flexible Personal Loan Calculator
Loan Principal Amount₹
₹50K₹25L₹50L
Interest Rate (% per annum)%
8%19%30%
Loan Duration / TenureYears
1 Year4 Years7 Years
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Monthly Outgo
₹16,607/month
Principal (84%)Interest (16%)
Principal Amount:₹5,00,000
Total Interest Payable:₹97,858
Total Amount (P + I):₹5,97,858
Flexible Home Loan Calculator
Home Loan Amount₹
₹5L₹2.5Cr₹5Cr
Interest Rate (% per annum)%
6%10.5%15%
Loan Duration / TenureYears
5 Years17 Years30 Years
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Monthly Outgo
₹26,035/month
Principal (48%)Interest (52%)
Principal Amount:₹30,00,000
Total Interest Payable:₹32,48,327
Total Amount (P + I):₹62,48,327
Flexible Business Loan Calculator
Business Loan Amount₹
₹1L₹5Cr₹10Cr
Interest Rate (% per annum)%
8%16%24%
Loan Duration / TenureYears
1 Year8 Years15 Years
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Monthly Outgo
₹46,537/month
Principal (72%)Interest (28%)
Principal Amount:₹20,00,000
Total Interest Payable:₹7,92,190
Total Amount (P + I):₹27,92,190
Check Your Loan Eligibility
Monthly Net Income₹
₹20K₹5L₹10L
Existing Monthly EMI / Obligations₹
₹0₹2.5L₹5L
Expected Interest Rate (% per annum)%
6%15%24%
Preferred Loan TenureYears
1 Year15 Years30 Years
FOIR (Max EMI Ratio)%
30%50%70%
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Loan Eligibility
₹24,87,790
Principal (50%)Interest (50%)
Maximum Affordable EMI:₹27,500
Interest Rate:10.5%
Tenure:15 Years
Total Interest Payable:₹24,62,210
Estimated Total Repayment:₹49,50,000
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- Compare loans across 25+ lenders
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Get an instant estimate of your eligible loan options across 25+ lenders — no paperwork, no CIBIL score impact.
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Best Interest Rate Comparison Across India's Top Lenders
With our financial solutions, we compare loan options across banks and NBFCs on rate, fees, and speed.
State Bank of India (SBI)
Home Loan- Interest Rate
- 8.30% - 9.15%
- Processing Fee
- 0.17% (Max ₹5,000)
- Sanction Speed
- 48 - 72 Hours
HDFC Bank
Personal Loan- Interest Rate
- 10.49% - 14.50%
- Processing Fee
- Up to 1.50%
- Sanction Speed
- 24 Hours Instant
ICICI Bank
Personal Loan- Interest Rate
- 10.65% - 15.00%
- Processing Fee
- 0.99% - 1.99%
- Sanction Speed
- 24 Hours
Bajaj Finserv
Business Loan- Interest Rate
- 12.50% - 18.00%
- Processing Fee
- 1.50% - 2.50%
- Sanction Speed
- 24 - 48 Hours
| Lender Name | Facility Type | Starting Interest Rate | Standard Processing Fee | Sanction Speed | Instant Action |
|---|---|---|---|---|---|
| State Bank of India (SBI) | Home Loan | 8.30% - 9.15% | 0.17% (Max ₹5,000) | 48 - 72 Hours | |
| HDFC Bank | Personal Loan | 10.49% - 14.50% | Up to 1.50% | 24 Hours Instant | |
| ICICI Bank | Personal Loan | 10.65% - 15.00% | 0.99% - 1.99% | 24 Hours | |
| Bajaj Finserv | Business Loan | 12.50% - 18.00% | 1.50% - 2.50% | 24 - 48 Hours | |
| Tata Capital | Lap | 12.99% - 17.50% | 1.25% - 2.00% | 48 Hours | |
| Bajaj Finserv | Business Loan | 12.50% - 18.00% | 1.50% - 2.50% | 24 - 48 Hours | |
| State Bank of India (SBI) | Home Loan | 8.30% - 9.15% | 0.17% (Max ₹5,000) | 48 - 72 Hours | |
| HDFC Bank | Personal Loan | 10.49% - 14.50% | Up to 1.50% | 24 Hours Instant | |
| ICICI Bank | Personal Loan | 10.65% - 15.00% | 0.99% - 1.99% | 24 Hours | |
| Bajaj Finserv | Business Loan | 12.50% - 18.00% | 1.50% - 2.50% | 24 - 48 Hours |
We Do Your Loan Application in Just a Few Steps!
As your trustworthy loan consultant, we ensure you skip hectic branch visits, long paper works and get a fast path from application to approval.
01
Your Personalized Offers
We check your eligibility. All you need to do is share your income and employment details and we get you matched with multi-bank offers.
Zero CIBIL Impact02
Your Digital KYC
We facilitate your complete Aadhaar verification via OTP and confirm your income through Net Banking or a quick digital statement upload.
No Branch Visit Needed03
Fast-Track Approval
We compare loan options and match your profile with the lowest-rate lender across our network. You experience seamless approval from your chosen lender.
Best Rate Match04
Direct Account Disbursal
With our loan assistance, E-Sign your agreement and get funds disbursed directly to your account. Ready to use immediately.
Fast Disbursal
What Makes PayYouAdvisory Different?
PayYouAdvisory assists eligible applicants to negotiate waivers on institutional processing fees and preferential interest rate spreads across Indian public and private sector banks.
PayYou Advisory
RECOMMENDED- Simultaneous comparison across 25+ lenders, banks & NBFCs for the best rate
- Smart matching algorithm for a sanction success rate above 95%
- A dedicated Relationship Manager handles your paperwork end-to-end
- Completely free advisory — you never pay us a fee
- Digital pre-approval with disbursal in as little as 24–48 hours
Traditional Bank Visit
- Single-bank offer, no rate comparison
- No fallback if one bank rejects your application
- Self-managed paperwork and follow-ups
- Standard fees apply, rarely negotiated
- Longer, branch-dependent disbursal timelines
25+ Banks & NBFCs
₹500+ Crore Loans Disbursed
Bank-Grade Data Security
No Advisory Fees, Ever
Backed by 50+ Top Banks, NBFCs & Fintech Institutions
Authorized Direct Selling Partner operating under strict Reserve Bank of India compliance guidelines.
Trusted by people Who Choose Us
“₹25 Lakh Unsecured Business Loan approved in 48 hours after 2 retail bank rejections.”
“PayYouAdvisory structured my GST and bank statements properly. The funds were credited before my raw material shipment deadline.”
Sachin Kulkarni
Precision Components Manufacturer
Pune (Bhosari)
“Doctor Professional Loan of ₹40 Lakh sanctioned with zero physical collateral.”
“The doorstep document pickup was exceptional. Their relationship manager brought all paperwork to my clinic between surgery rounds.”
Dr. Ananya Sen
Senior Consultant Radiologist
Mumbai (Andheri)
“Home Loan Balance Transfer of ₹65 Lakh saving ₹7.8 Lakhs in interest over 15 years.”
“Reduced our home loan interest rate from 9.60% down to 8.35%. Our monthly EMI dropped by ₹6,200 immediately.”
Pooja & Rohan Iyer
IT Sector Professionals
Pune (Kothrud)
“Emergency Medical Loan of ₹5 Lakh sanctioned within 12 hours with zero stress.”
“Needed immediate hospital deposit funding. PayYouAdvisory initiated the instant digital disbursement flawlessly.”
Vikas Deshmukh
Tech Lead
Bengaluru (HSR Layout)
“₹25 Lakh Unsecured Business Loan approved in 48 hours after 2 retail bank rejections.”
“PayYouAdvisory structured my GST and bank statements properly. The funds were credited before my raw material shipment deadline.”
Sachin Kulkarni
Precision Components Manufacturer
Pune (Bhosari)
“Doctor Professional Loan of ₹40 Lakh sanctioned with zero physical collateral.”
“The doorstep document pickup was exceptional. Their relationship manager brought all paperwork to my clinic between surgery rounds.”
Dr. Ananya Sen
Senior Consultant Radiologist
Mumbai (Andheri)
“Home Loan Balance Transfer of ₹65 Lakh saving ₹7.8 Lakhs in interest over 15 years.”
“Reduced our home loan interest rate from 9.60% down to 8.35%. Our monthly EMI dropped by ₹6,200 immediately.”
Pooja & Rohan Iyer
IT Sector Professionals
Pune (Kothrud)
“Emergency Medical Loan of ₹5 Lakh sanctioned within 12 hours with zero stress.”
“Needed immediate hospital deposit funding. PayYouAdvisory initiated the instant digital disbursement flawlessly.”
Vikas Deshmukh
Tech Lead
Bengaluru (HSR Layout)
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PayYouAdvisory FAQs: Everything You Need to Know
Categories
Browse by topic to find answers relevant to your loan, insurance, or investment questions.
Can't Find What You Need?
SUBMIT QUERIESLoan advisory is a financial solution that analyzes your credit profile and offers the best loan for you. At PayYouAdvisory, connect directly with the top loan lenders, banks or NBFCs, for the best in terms of approval, ROI and tenures. This way, instead of you applying randomly at multiple places, you get an all-in-one solution.
We are an authorized loan advisory and are associated with 25+ banks and NBFCs regulated by RBI. Thus you get to compare multiple options at one place. We clearly outline every step to ensure you encounter no surprises.
No. Our loan advisory service is completely free to borrowers. We are paid by our lending partners, not you.
Yes. Apply from anywhere. The whole process, from checking loan eligibility to final disbursal, is digital, so you can apply from anywhere.
As your one-stop loan advisory, we help with personal loans, business loans, home loans, loans against property, gold loans, vehicle loans, education loans, and more.
Your income, other commitments, credit score, and the lender's internal criteria all contribute to whether you will be eligible for a loan. We have a dedicated loan eligibility calculator that gives a quick indication before you apply.
ID proof, address proof, income proof, and bank statements are usually required. The exact list varies from loan type to lender, and we clarify during loan assistance.
Yes, you can compare interest rates and different loan options from our multiple lenders side-by-side so you can make an informed decision with full visibility.
Secured loans are backed by collateral (property, gold, etc.) and typically carry lower rates. Unsecured loans (such as most personal loans) do not require collateral, but they rely more on your credit profile.
The lender and loan type can impact how fast digital pre-approval leads to disbursement, which can be as quick as 24–48 hours.
It is better to take loan protection or term insurance so that you do not put your family in a burden with the EMI repayment in case of any unforeseen event.
Term insurance is pure risk cover and available at lower premiums. Life insurance may have savings or investment components along with the cover.
Yes. We compare health insurance plans as part of our financial solutions based on your coverage needs and budget.
Yes, all vehicles are legally required to have third-party motor insurance. While comprehensive cover is not required, it is recommended.
No. Our insurance advice, as with our loan advice, is free of charge to you.
We help you with fixed deposits, recurring deposits, SIPs, and savings/current account solutions. All these options make investments easy and low on risk.
FDs are a safe bet for guaranteed, low-risk returns. These are perfect if you're more focused on capital safety than high growth.
Yes. Many borrowers have small recurring investments or FD-linked SIPs as part of their savings plan along with the EMI payments so that their monthly cash flow is not affected.
Both. As an experienced loan advisor, we focus on loans primarily but also advise you on simple investment options to strengthen your overall financial position.
For most borrowers, the minimums for recurring deposits and daily saving plans are low enough to make them accessible.
The EMI is determined by your loan amount, interest rate, and tenure. Use our free loan EMI calculator to estimate it instantly before applying.
Most lenders provide the option to prepay or make a part payment to reduce your EMI or tenure. We will help you understand terms, as they vary based on the lender and the type of loan.
Missing an EMI can impact your credit score and may attract late fees. If you know you will be delayed in payment, call us early and we will help you explore options.
Some lenders allow you to change the date of your EMI. It is contingent upon the individual bank's policy, and we as your loan advisor can check this for you.
Longer tenure lowers your EMI but raises the total interest payable. Our EMI calculator helps you compare tenures and choose the optimum level.