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Get loans that work for you — fast, fair, and transparent.

Compare offers across trusted lenders and check your eligibility in minutes. No impact on your credit score.

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Quick Eligibility

Kuch basic details dijiye — seconds me indicative EMI aur eligibility mil jayegi. Koi hard pull nahi.

  • Market rates ke basis par EMI ka range
  • EMI ≲ monthly income ka 50% recommended
🔒 Secure ✅ No hard pull 🏦 RBI partners
Please choose a loan type.
Enter tenure between 6 and 120 months.
Enter amount ₹10,000 – ₹5,00,00,000.
Enter a valid monthly income (₹10,000+).
Please enter your full name.
Enter 10-digit mobile number.
Consent is required to proceed.
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Trusted by leading partners

SJ Finance

Fast, fair and transparent credit assistance. Compare offers from trusted lenders and get quick approvals with paper‑light onboarding.

50K+Approvals guided
60+Partner lenders
300+Cities served
4.8★Avg. rating

Smart loan options

Compare and pick what fits you best. Transparent fees, quick disbursal.

10.99% – 18% p.a.

Personal Loan

Zero collateral, flexible EMIs, fast approval paths.

Instant paths No collateral Paper-light
Balance Transfer

Top-up & BT

Reduce EMI with balance transfer or get extra funds via top-up.

Lower EMI Quick process
Pre-approved

Pre-Approved Offers

Check if you have any instant pre-approved offers with partner banks.

Instant Minimal docs
11.5% – 16% p.a.

Business Loan

Working capital, expansion, inventory — quick underwriting.

Flexible tenure Low docs
Secured

LAP (Property)

Lower rates with property as security. Higher ticket sizes.

Bigger amount Better rate
GST/Banking

Program-based

Bank statement/GST based programs for fast assessments.

Fast Program fit
8.5% – 12% p.a.

Vehicle Loan

On-road financing options with same-day decision.

Fast approval Low fees
EV Special

EV Loans

Special programs and incentives for electric vehicles.

Incentives Low rate
Commercial

Commercial Vehicles

Finance for trucks, buses and fleet at competitive terms.

Fleet Program-based
🏠 Home

Home Loan

घर खरीदने या बनाने के लिए वित्त सुविधा।

Long tenure Lower rate
🎓 Education

Education Loan

पढ़ाई/कोर्सेस के लिए आसान EMI विकल्प।

Flexible Moratorium
💳 Card

Credit Card Loan

आपके कार्ड की pre-approved limit से त्वरित सुविधा।

Instant No docs
🌾 Agri

Agriculture Loan

किसानों के लिए खेती से जुड़ी ज़रूरतों के लिए।

Farm inputs Equipment
📈 Startup

Startup Loan

Government-backed options like MUDRA or Stand-Up India.

Govt schemesMSME
🏗️ Construction

Construction Loan

Build a new home or building on owned land.

Long tenureStructured
🧾 Gold

Gold Loan

Instant cash by pledging gold as security.

Same-daySecured
📱 Durable

Consumer Durable

Buy TV, mobile, laptop, AC, etc. on EMI.

EMILow docs
🏖️ Travel

Travel Loan

Cover trip expenses including international travel.

TicketsStay
💍 Marriage

Marriage Loan

Finance wedding-related expenses.

VenueEvents
🏥 Medical

Medical Loan

Manage sudden medical expenses and treatment.

EmergencyQuick
🧾 Top-up

Top-up Loan

Get extra amount on an existing loan.

Add-onQuick
🧱 Plot/Land

Plot/Land Loan

Buy a plot of land (construction excluded).

PurchaseInvestment
💼 Professional

Professional Loan

For doctors, CAs, lawyers and other professionals.

SpecialisedProgram
🌐 NRI

NRI Loan

For NRIs to purchase a home or invest in India.

HomeInvestment

Why choose SJ Finance?

Built like a modern app: fast, transparent, and secure.

Under 2 mins

Fast approvals

Instant indicative EMI and quick pre-qualification flow.

Real-time checks Paper-light
eKYCInstant EMI
Side-by-side

Transparent comparison

Compare rates, EMIs and charges clearly — no surprises.

Clear rates Fees upfront
Live ratesFilters
RBI partners

Trusted & secure

Encrypted data flows and only RBI-registered NBFCs/banks.

AES encryption Verified lenders
SecureVerified

How it works

Simple, paper-light and 100% online.

1 Share basics

Enter amount, tenure and contact to check eligibility.

2 Compare offers

Review rates, EMIs and charges from multiple lenders.

3 Submit docs

KYC and income proofs — fully digital wherever possible.

4 Get disbursal

Funds transferred post final approval by lender.

What our customers say

Customer
Rahul S.
Mumbai
Got approval in 24 hours. The comparison made it easy to choose the best offer.
Customer
Pooja K.
Pune
Smooth process and clear terms. Customer support was excellent throughout.
Customer
Arjun M.
Delhi
Best rates I found online and quick disbursal to my account. Highly recommended.

Eligibility & documents

General guidelines; exact requirements vary by lender.

Eligibility

Indicative criteria
  • Age 21–60 years
  • Stable income or business vintage
  • Valid PAN and address proof
  • Clean repayment history preferred

Documents

Keep handy
  • KYC: Aadhaar/PAN
  • Income proofs (ITR/salary slips/bank statements)
  • Business docs (for business loans)
  • Additional docs as requested by lender

Rates & charges

Indicative ranges; final terms are offered by lenders.

Product Interest (p.a.) Processing Tenure Prepayment
Personal Loan 10.99% – 18% Up to 2.5% 12 – 60 months 0% – 4% (after 6–12 months)
Business Loan 11.5% – 16% Up to 3% 12 – 84 months 0% – 4% (as per policy)
Vehicle Loan 8.5% – 12% Up to 1.5% 12 – 84 months As per lender

FAQs

No. Our initial check is non-intrusive. Lenders may do a bureau pull with consent.

Many applications close within 24–72 hours depending on documents and lender queues.

We are not a lender. We facilitate comparisons and connect you to partnered NBFCs/banks.
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