Free Loan Eligibility Platform

Know Where You Have a Higher Chance of Approval Before You Apply

Check your loan eligibility against typical lender criteria in under a minute. Avoid unnecessary applications, protect your CIBIL score, and apply where it actually counts.

Soft check, no CIBIL impact
Instant results
5 loan types covered
100% free, always

Live Eligibility Calculator

Updates as you type - no sign-up needed

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Your data is safe with us - we do not share your details with any bank or lender. What you enter here is used only for this estimate and is not stored.

100% FreeEligibility Checks
Zero ImpactOn Your CIBIL Score
5 Loan TypesPersonal to Business
6+ CitiesLocalized Guidance
How it works

What happens when you check

  1. You tell us about the loan and yourself

    Income, existing EMIs, employment, credit score if you know it, and the amount you need. No documents, no login.

  2. We check it against each lender's rules

    Age limits, income floors, how much of your income can go to EMIs, experience or business vintage - lender by lender, from their own published criteria.

  3. You see where you stand

    Which lenders would likely consider you, roughly how much and at what rate, and what is holding you back with the others.

Why use it

A check you can trust before you apply

Your credit score is not touched

This is a soft, informational check. Nothing is sent to a credit bureau and no lender sees your details.

Real lender criteria

Each result comes from the lender's own published rules where they exist, and we say clearly where a number is our estimate.

Every number has a source

See exactly where each lender's figures come from on our Research & Sources page.

Free, with no strings

No sign-up for your result. Share your contact details only if you want the full PDF report.

Results in under a minute

The quick check updates as you type. The full check takes a couple of minutes and needs no documents.

Your details stay protected

Our forms are guarded against bots and abuse, and we never sell or share your details with banks or lenders. See our Privacy Policy.

Frequently Asked Questions

ClearToLend evaluates the information you provide - income, existing EMIs, credit score, employment type and the loan amount you need - against typical lender eligibility patterns to give you a directional, transparent assessment.

No. ClearToLend's eligibility check is a soft, informational assessment and is not a lender credit enquiry. However, once you actually apply with a lender, they may run a hard enquiry on your credit report, and multiple such enquiries in a short period can affect your CIBIL score.

No. ClearToLend provides an eligibility estimate based on your profile and general lender criteria patterns. It indicates where you may have a higher chance of approval, but the final decision always rests with the lender.

No. ClearToLend is an independent loan eligibility information platform. We do not issue loans, process applications, or collect repayments - see our Disclaimer for full details.

You can check eligibility for personal loans, home loans, business loans, education loans and vehicle loans. Each loan type uses profile factors relevant to how that loan is typically underwritten.

Yes. Checking your eligibility on ClearToLend is completely free, with no hidden charges.

Ready to See Where You Stand?

Free, fast, and it won't affect your credit score. Check your eligibility now.

Check My Eligibility

Loan products

Check eligibility for any loan