Check Loan Eligibility Instantly - Free Online Calculator
Real-time instant eligibility check for personal loan, business loan, credit card, and BNPL. Get approval probability in 2 minutes. No impact on credit score.
Trusted by 10+ million Indians. Check eligibility free with our AI-powered loan eligibility calculator. Works for loans without CIBIL check.
Check Your Instant Loan Eligibility
How Loan Eligibility Checker Works
Fill Details
Enter your basic details - name, income, employment type
AI Analysis
Our AI analyzes your profile against 50+ lender criteria
Match Offers
Get personalized loan offers from best-fit lenders
Quick Approval
Apply instantly and get approval in 2 minutes
Personal Loan Eligibility
- Age: 21-60 years
- Monthly Income: Minimum Rs 15,000
- CIBIL Score: 600+ (some lenders offer without CIBIL)
- Employment: Salaried or self-employed for 2+ years
- Documents: Aadhaar, PAN, Bank Statement, Salary Slip
Business Loan Eligibility
- Business Age: Minimum 2 years
- Annual Turnover: Rs 5 Lakh minimum
- CIBIL Score: 650+ preferred (not mandatory)
- GST Registration: Required
- Documents: ITR, Bank Statement, GST Certificate
Frequently Asked Questions
Does eligibility check affect CIBIL score?
No, checking loan eligibility on BuyNswipe® Credit does not impact your CIBIL score. It's a soft inquiry that does not leave a footprint on your credit report.
What is the minimum salary required for personal loan?
Minimum monthly salary for personal loan is Rs 15,000. However, some lenders offer loans to individuals with lower income using alternative income verification methods.
Can I get a loan without CIBIL score?
Yes! Many NBFCs offer personal loans without CIBIL check. They use alternative methods like bank statements, UPI transaction history, and income proof for assessment.
How accurate is the eligibility checker?
Our AI-powered eligibility checker has 85%+ accuracy. It analyzes your profile against 50+ lender criteria to predict approval probability and suggest best-fit lenders.
Ready to Check Your Eligibility?
It takes less than 2 minutes to check eligibility for all loan types.