Personal Loan for Salaried
Get approved faster based on your salary and repayment capacity.
Explore More25+
Lending Partners
100%
Customer Satisfaction
5+
Years of Experience
100+
Loan Processed
Loans, Insurance and Investments in One Place, With a Loan Advisor on Your Side
PayYouAdvisory is a loan advisory firm that helps you compare and apply for personal, home, business, property, gold, education and vehicle loans from 25+ RBI-regulated banks and NBFCs. Our service is free for you because our lending partners pay us. These financial services give you easy finance solutions with advice at every step.
Borrow without pledging anything, with EMIs that match what you earn.
Compare loan options for expansion, equipment or day-to-day needs, and we will find what fits your stage of business
Buy, build or renovate your home with competitive rates and easy finance solutions built around your budget.
As your DSA-approved loan advisor, we help you raise funds from your property while you keep ownership.
Get quick funding against your gold at competitive rates, with minimal paperwork and same-day disbursal.
Our loan advisory helps you borrow against what you already own, such as shares, mutual funds or fixed deposits.
Finance your next vehicle or an important purchase with repayment terms that suit you.
Fund your degree in India or abroad and repay after your course with flexible terms.
Protect your family’s future with cover that lasts a lifetime
Cover medical costs for you and your family with plans built around real healthcare expenses.
Stay financially protected if an accident affects your income or your ability to work.
Get high cover at a low premium to protect your family’s finances.
Build a savings habit with monthly deposits and steady returns.
Grow your savings safely with assured returns and a tenure that suits you.
Save a small amount each day and watch it add up over time.
Combine the safety of a fixed deposit with the growth of a SIP, guided by your loan advisor.
Personal Loan Balance Transfer:
Move your loan to a lender with a lower rate and bring your EMI down.
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Personal Loan for Self-Employed
We look at your business income and cash flow instead of a fixed salary.
Explore MorePersonal Loan for Salaried
Get approved faster based on your salary and repayment capacity.
Explore MorePersonal Loan Balance Transfer:
Move your loan to a lender with a lower rate and bring your EMI down.
Explore MorePersonal Loan for Self-Employed
We look at your business income and cash flow instead of a fixed salary.
Explore MorePersonal Loan for Salaried
Get approved faster based on your salary and repayment capacity.
Explore MorePersonal Loan Balance Transfer:
Move your loan to a lender with a lower rate and bring your EMI down.
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Loan for Women Entrepreneurs
Access special schemes and better rates for women-led businesses at every stage.
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Loan for MSMEs
Financing built for small and medium businesses, with repayment plans that support your growth.
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Unsecured Business Loan
Get working capital without collateral, based on how your business performs.
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Home Loan Balance Transfer + Top-Up
Switch lenders to lower your EMI and take extra funds when you need them.
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New Home Purchase Loan
Turn your dream house into an address with competitive rates and higher loan-to-value ratios.
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Home Loan Against Property
Borrow against your property with flexible tenure and rates that work in your favour.
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Lease Rental Discounting
Convert future rent from your tenants into funds you can use now.
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Mortgage Loan
Use the value of your home or residential property to raise funds and stay the owner.
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Commercial Property Loan
Get funds for expansion or working capital against your commercial property.
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Loan Against Gold Jewellery
Receive instant funds against your gold ornaments, with safe storage and a simple process.
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Loan Against Fixed Deposits
Borrow up to your FD value at a low interest rate without breaking your deposit.
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Loan Against Life Insurance Policy
Use your policy’s surrender value as security for quick, low-cost funding.
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Loan Against Mutual Funds
Access funds from your mutual fund investments while they continue to earn returns.
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Loan Against Shares
Borrow against your shares without selling them, and keep your portfolio growing.
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Consumer Durable Loan (No Cost EMI)
Buy appliances and electronics with affordable financing and no-cost EMI options.
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Professional Course Education Loan
Choose specialised loans for MBA, medical, engineering and other professional courses.
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Education Loan Without Collateral
Get unsecured funding for eligible courses and institutions with no asset pledge.
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Domestic Education Loans
Cover tuition, hostel and other academic costs for higher studies in India.
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Health Insurance
Cover medical costs for you and your family with plans built around real healthcare expenses.
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Personal Accident Insurance
Stay financially protected if an accident affects your income or your ability to work.
Explore MoreHealth Insurance
Cover medical costs for you and your family with plans built around real healthcare expenses.
Explore MorePersonal Accident Insurance
Stay financially protected if an accident affects your income or your ability to work.
Explore MoreHealth Insurance
Cover medical costs for you and your family with plans built around real healthcare expenses.
Explore MorePersonal Accident Insurance
Stay financially protected if an accident affects your income or your ability to work.
Explore MoreHealth Insurance
Cover medical costs for you and your family with plans built around real healthcare expenses.
Explore MorePersonal Accident Insurance
Stay financially protected if an accident affects your income or your ability to work.
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Fixed Deposits
Grow your savings safely with assured returns and a tenure that suits you.
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FD-Linked SIP
Combine the safety of a fixed deposit with the growth of a SIP, guided by your loan advisor.
Explore MoreFixed Deposits
Grow your savings safely with assured returns and a tenure that suits you.
Explore MoreFD-Linked SIP
Combine the safety of a fixed deposit with the growth of a SIP, guided by your loan advisor.
Explore MoreFixed Deposits
Grow your savings safely with assured returns and a tenure that suits you.
Explore MoreFD-Linked SIP
Combine the safety of a fixed deposit with the growth of a SIP, guided by your loan advisor.
Explore MoreFixed Deposits
Grow your savings safely with assured returns and a tenure that suits you.
Explore MoreFD-Linked SIP
Combine the safety of a fixed deposit with the growth of a SIP, guided by your loan advisor.
Explore MoreCheck Your EMI With Our Loan EMI Calculator
Use our free loan EMI calculator to see your monthly EMI, total interest and repayment schedule before you commit. Our loan advisory services then help you choose a loan amount and tenure that fit your budget, so nothing surprises you later.
Flexible Online Loan Calculator
Loan Principal Amount₹
₹50K₹1Cr
Interest Rate (% per annum)%
9.99%36%
Loan Duration / TenureMonths
9 Months60 Months
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
₹16,607/month
16%Interest₹2,718
84%Principal₹13,889
Principal Amount₹5,00,000
Interest Rate12% p.a.
Tenure3 Years
Total Interest Payable₹97,858
Online Home Loan Calculator
Home Loan Amount₹
₹1L₹10Cr
Interest Rate (% per annum)%
7.75%12%
Loan Duration / TenureMonths
12 Months384 Months
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
₹26,035/month
52%Interest₹13,535
48%Principal₹12,500
Principal Amount₹30,00,000
Interest Rate8.5% p.a.
Tenure20 Years
Total Interest Payable₹32,48,327
Online Business Loan Calculator
Business Loan Amount₹
₹10L₹1Cr
Interest Rate (% per annum)%
12.99%38%
Loan Duration / TenureMonths
9 Months84 Months
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
₹46,537/month
28%Interest₹13,203
72%Principal₹33,333
Principal Amount₹20,00,000
Interest Rate14% p.a.
Tenure5 Years
Total Interest Payable₹7,92,190
Check Your Loan Eligibility
Monthly Net Income₹
₹15K₹10L
Existing Monthly EMI / Obligations₹
₹0₹5L
Expected Interest Rate (% per annum)%
7.75%38%
Preferred Loan TenureMonths
9 Months384 Months
FOIR (Max EMI Ratio)%
30%70%
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how much you can borrow, and how the repayment splits between principal and interest.
₹24,87,790
50%Interest₹24,62,210
50%Principal₹24,87,790
Maximum Affordable EMI₹27,500
Interest Rate10.5% p.a.
Tenure15 Years
Total Interest Payable₹24,62,210
Compare Loans
Get Expert Advice
Apply With Ease
- Compare loan options across 25+ lenders in one loan marketplace
- Apply online with simple, paperless steps
- Get competitive rates, negotiated for you
- Borrow from an RBI-regulated network of banks and NBFCs
- Get loan assistance from application to disbursal
60-Second Loan Eligibility Check
See your eligible loan options across 25+ lenders in about a minute, with no paperwork and no impact on your CIBIL score.
1Your Profile
2Income Details
3Loan Requirement
4Your Eligibility
What is your current work profile?
Get Your Loan Approved in Four Simple Steps
As your loan consultant, we handle the branch visits and the paperwork, so you move from application to approval faster.
01
Your Personalized Offers
Share your income and employment details. We check your eligibility and match you with offers from several banks and NBFCs.
Zero CIBIL Impact02
Your Digital KYC
Verify your Aadhaar with an OTP and confirm your income through Net Banking or a quick statement upload.
No Branch Visit Needed03
Fast-Track Approval
We compare your options across our lender network and match you with the lowest rate you qualify for. Your chosen lender then approves your loan.
Best Rate Match04
Direct Account Disbursal
E-sign your agreement and receive the funds directly in your account, ready to use right away.
Fast DisbursalWhy Borrowers Choose PayYou Advisory
Direct comparison table of public and private sector banks in India. PayYouAdvisory negotiates institutional processing fee waivers and preferential interest rate spreads for qualified applicants.
PayYou Advisory
RECOMMENDED- 50+ Lenders analyzed simultaneously to negotiate lowest ROI
- Algorithmic multi-bank matching ensures >95% sanction chance
- Dedicated Relationship Manager picks up and organizes paperwork
- 100% Free DSA Advisory Service (zero cost to borrower)
- 24 to 48 Hours Disbursal with digital pre-approval
Traditional Bank Visit
- 50+ Lenders analyzed simultaneously to negotiate lowest ROI
- Algorithmic multi-bank matching ensures >95% sanction chance
- Dedicated Relationship Manager picks up and organizes paperwork
- 100% Free DSA Advisory Service (zero cost to borrower)
- 24 to 48 Hours Disbursal with digital pre-approval
50+
Lending Partners
₹500+ Cr
Disbursed
100%
Data Encryption
₹0
Service Charge
Backed by 25+ 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.”
“PayYou Advisory 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. PayYou Advisory 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.”
“PayYou Advisory 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. PayYou Advisory initiated the instant digital disbursement flawlessly.”
Vikas Deshmukh
Tech Lead
Bengaluru (HSR Layout)
Your Goals
Our Smarter Loan Solutions
PayYou Advisory 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 means a loan advisor studies your income and credit profile and points you to the lender and loan that suit you best. PayYouAdvisory connects you with top banks and NBFCs, so you compare approval chances, interest rates and tenures in one place instead of applying at several lenders .
We are an authorized loan advisory working with 25+ banks and NBFCs regulated by the RBI. You can compare their offers side by side, and we explain every step so nothing surprises you.
No. Our loan advisory services are free for borrowers. Our lending partners pay us, so you never pay a fee to us.
Yes. You can complete everything online, from checking your loan eligibility to final disbursal, from anywhere in India.
We help with personal loans, business loans, home loans, loans against property, gold loans, vehicle loans and education loans, along with insurance and investment financial services.
A DSA, or Direct Selling Agent, is an authorized partner that helps banks and NBFCs find and process loan applications. As a DSA-approved advisor, we help you compare lenders and apply with the one that fits you.
Your income, existing EMIs, credit score and the lender’s own rules decide your eligibility. Our loan eligibility calculator gives you a quick estimate before you apply, so you know where you stand.
Most lenders ask for ID proof, address proof, income proof and recent bank statements. The exact list changes with the lender and loan type, and our loan assistance team confirms it with you at the start.
Yes. You can compare interest rates and loan options from several lenders side by side. Our loan comparisons show rates, fees and tenures together, so you choose with the full picture.
A secured loan is backed by collateral such as property or gold and usually carries a lower rate. An unsecured loan, like most personal loans, needs no collateral, so the lender relies more on your credit profile.
It depends on the lender and the loan type. With digital pre-approval, funds can reach your account in as little as 24 to 48 hours.
It is a wise step. Loan protection or term insurance makes sure your family does not have to carry the EMIs if something unexpected happens to you.
Term insurance gives pure risk cover at a lower premium. Other life insurance plans often add a savings or investment part, which raises the premium.
Yes. We compare health plans as part of our financial solutions, based on the cover you need and your budget.
Yes. Every vehicle must carry at least third-party insurance by law. Comprehensive cover is optional, but it also protects your own vehicle.
No. Our insurance advice is free, just like our loan advice.
We help you with fixed deposits, recurring deposits, SIPs and savings or current account solutions. These options are simple to start and carry low risk.
A fixed deposit gives guaranteed, low-risk returns. It suits you if protecting your capital matters more than fast growth.
Yes. Many borrowers run a small SIP or an FD-linked plan next to their EMI, as long as the monthly amount keeps their cash flow comfortable.
We do both. Loans are our main work, and we also guide you on simple investment options that strengthen your overall financial position.
The minimum is low for most products, such as recurring deposits and daily savings plans, so you can begin with a small amount.
Your EMI depends on the loan amount, the interest rate and the tenure. Our free loan EMI calculator shows the figure instantly before you apply.
Most lenders allow prepayment or part payment, which can reduce your EMI or tenure. The rules differ by lender and loan type, and we explain them before you decide.
A missed EMI can lower your credit score and may bring late fees. If you expect a delay, call us early and we will help you look at your options.
Some lenders allow it, depending on the bank’s policy. As your loan advisor, we can check this with your lender for you.
A longer tenure lowers your monthly EMI, but you pay more interest over the life of the loan. Our loan EMI calculator lets you compare tenures and pick a balance that suits you.