Fresh Loan
Compare 30+ lenders. Pick the best rate.
A new personal loan, run against every partner on the panel at once — so you see the real floor, not the first offer.
Check eligibilityPersonal loans · India
Make the bankscompete.
One application. Up to ₹60 Lakh on the table. 30+ banks and NBFCs bidding for it — you take the lowest offer, and the money lands straight in your account.
Free. Soft check — it won't touch your credit score.
- Up to
- ₹60 Lakh
- Rates from
- 9.99%p.a.*
- Lenders
- 30+
* Indicative starting rate. Your actual rate, fees and eligibility are set by the lending partner based on your credit profile.
30+ banks & NBFCs on the panel. Finsa is a Lending Service Provider. We don't lend — our RBI-regulated partners do.
A selection of our lending partners
HDFC Bank
ICICI Bank
IDFC First Bank
Axis Bank
Kotak Mahindra
Bajaj Finserv
Tata Capital
SBI
IndusInd Bank
Yes Bank
Federal Bank
RBL Bank
Bandhan Bank
AU Small Finance
Bank of Baroda
Canara Bank
Punjab National Bank
Union Bank
Indian Bank
Karnataka Bank
Karur Vysya Bank
Citi
Standard Chartered
Muthoot Finance
Capital Float
Based on your credit score
₹0
Instant cash, reserved for you.
No branch visit. No stack of forms. We read your bureau report once and tell you what you can actually have — before you apply anywhere.
The auction
They bid. You pick.
Walk into one bank and you get one number, take it or leave it. Send one application through Finsa and it goes to 30+ lenders at once — so the number you see is the floor, not the opening ask.
- 01
Tell us what you need
Amount, purpose, a few basics. Under two minutes on WhatsApp or the form — and checking never touches your credit score.
- 02
Every lender answers at once
We run your profile against 30+ banks and NBFCs simultaneously and bring back what each one will actually do.
- 03
Money in your account
You choose. The lender disburses directly to your bank account — Finsa never touches your funds.
Incoming offers
live- Lender 0716.50%best
- Lender 0212.25%best
- Lender 0918.00%best
- Lender 0413.75%best
- Lender 0110.99%best
- Lender 0615.25%best
- Lender 0312.99%best
- Lender 1019.50%best
- Lender 0514.50%best
- Lender 0817.25%best
Illustrative only. Lenders are anonymised and the rates shown are examples of a typical spread — not offers, quotes, or rates attributable to any named institution.
Three ways to borrow
Find the right loan for you.
We match you against the panel on your profile — not on a guess. Whichever route fits, it is the same 30+-lender comparison underneath.
Top-up existing loan
Get extra funds on your existing loan.
Repaying well already? Borrow against that track record — usually cheaper than starting a fresh loan.
Check eligibility
Consolidation Loan
Combine loans. Reduce your monthly EMI.
Roll several EMIs into one. Fewer due dates, one rate, and typically a smaller monthly outgo.
Check eligibilityRun the numbers
Know the EMI before you owe it.
Move the sliders. This is the same reducing-balance maths your lender uses — no sign-up, no email, no catch.
₹50K₹60 Lakh
9.99%24%
6 months5 years
Monthly EMI
₹16,367
- Principal
- ₹5,00,000
- Total interest
- ₹89,212
- Total payable
- ₹5,89,212
Reducing-balance method, excluding processing fees, insurance and GST. Indicative starting rate. Your actual rate, fees and eligibility are set by the lending partner based on your credit profile.
The Finsa difference
Close it early with pocket change.
Put a little into 24K digital gold every day. Each time it stacks up, Finsa fires it straight at your principal — and years come off the loan.
₹20₹500
On a ₹5,00,000 loan at 10.99% over 3 years. Every time your gold reaches ₹25,000, it goes at the principal.
- Loan closes
- 5months early
- Interest you don't pay
- ₹12,742
Without gold savingsWith Finsa gold
Disbursal3 years
Illustration only. Assumes gold is redeemed at cost and applied as a prepayment, and assumes no gain in the gold price. Actual savings depend on your lender's prepayment terms and charges.
The app
Your whole credit life, in one dark room.
Private beta. Every borrower who comes through Finsa before launch gets in on day one.
01 · Your offer
What you qualify for, before you apply anywhere.
02 · Credit score
Your live bureau score — and what is moving it.
03 · Score detail
The things lenders actually look at, scored.
04 · Gold savings
Every rupee saved is aimed at your loan.
05 · Payoff planner
See exactly how many months come off.
06 · Finsa AI
Ask anything — about your money, not money.
07 · Loan detail
Every EMI, where it went, what is left.
08 · Consolidation
Many EMIs in. One EMI out.
09 · Tracking
Know exactly where the application is.
10 · Profile
Your documents once — not once per lender.
Swipe to browse →
Finsa AI
It has read your credit report. Have you?
It sees your actual bureau file and your actual loans — so the answers are about your money, not money in general.
Should I consolidate my loans?
You're running 3 EMIs at 14.5%, 16% and 18%. Rolling them into one at 12.5% would cut your monthly outgo by about ₹4,200 and save roughly ₹58,000 in interest over the remaining term.
Why did my score drop 20 points?
Your credit utilisation went from 28% to 61% last month. Bring it back under 30% and this typically recovers within two billing cycles.
Can I close my HDFC loan early?
At ₹100/day in gold you'd hit your first ₹25,000 prepayment in about 8 months. Keep it up and the loan closes 11 months early.
Illustrative. Finsa AI provides information, not financial advice.
Founding borrowers
Take the loan now. Get the app first.
The Finsa app is in private beta. Everyone who borrows through us before launch walks in on day one — no queue, no invite code.
01
Day-one access
You skip the waitlist entirely the moment the app opens.
02
Founding member
A permanent badge on your profile and a direct line to the team.
03
Your streak starts now
Gold savings against your loan begin at disbursal, not at launch.
Not borrowing right now?
Leave your number and we'll tell you when the app opens.
Start the auction
Let them fight over it.
Two minutes. Soft check. No calls unless you ask for one.
- 30+ banks and NBFCs compared on your profile
- Checking eligibility is a soft inquiry and does not affect your credit score.
- Disbursal straight to your bank account
- Founding-borrower access to the app at launch