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
Check My Eligibility How It Works

Live Eligibility Calculator

Updates as you type - no sign-up needed

Live
₹
₹
/ 900
100% FreeEligibility Checks
Zero ImpactOn Your CIBIL Score
5 Loan TypesPersonal to Business
6+ CitiesLocalized Guidance
Loan Categories

Check Eligibility for Any Loan Type

Every loan type is scored differently - pick yours to see criteria tailored to how that loan is typically underwritten.

Personal Loan

Unsecured funding for weddings, medical needs, travel or debt consolidation.

10.5% – 24% p.a.
Check Eligibility

Home Loan

Secured financing to buy, construct or renovate residential property.

8.4% – 11% p.a.
Check Eligibility

Business Loan

Working capital or growth funding for existing businesses.

11% – 20% p.a.
Check Eligibility

Education Loan

Fund tuition, living costs and travel for higher education in India or abroad.

9% – 15% p.a.
Check Eligibility

Vehicle Loan

Secured financing for new or used cars, two-wheelers, three-wheelers and commercial vehicles.

9% – 13.5% p.a.
Check Eligibility
How It Works

Three Steps to a Clearer Picture

No paperwork, no bank visits - just your profile compared against lender criteria patterns.

01

Enter Your Details

Share your income, employment type, credit score and loan requirement - takes under a minute.

02

Eligibility Analysis

ClearToLend scores your profile against income multiples, FOIR, credit band and employment stability.

03

Get Your Result

See your eligibility tier and estimated eligible amount, then apply with confidence.

Why ClearToLend

Built to Protect You, Not Just Convert You

Scoring Engine

Four Weighted Factors, Fully Explainable

Every score is built from income adequacy, credit band, EMI burden (FOIR) and employment stability - never a black box.

Income · 40ptCredit · 30ptFOIR · 20ptJob · 10pt

No Credit Score Impact

Checking on ClearToLend never triggers a hard enquiry on your report.

Soft Eligibility Check

An informational assessment, not a lender credit enquiry.

Fast Results

Get your eligibility tier in seconds, live as you type.

60seconds or less

Secure by Design

Every submission is protected with CSRF tokens, bot honeypots and request rate limiting.

FAQ

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.
Get Started

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

Personal Loan10.5% – 24% p.a.Home Loan8.4% – 11% p.a.Business Loan11% – 20% p.a.Education Loan9% – 15% p.a.Vehicle Loan9% – 13.5% p.a.
Check eligibility for any loan
HomeAbout ClearToLendResearch & SourcesWhere every number comes fromContact

Loan eligibility by city

MumbaiDelhiBangaloreHyderabadPuneChennai
Check My Eligibility

PrivacyTermsDisclaimer