All Loan Types,
One Trusted Partner
Personal Loan, Home Loan, Business Loan, Gold Loan, Vehicle Loan, Education Loan, OD/CC, Tractor Loan, Govt. Schemes & more — best rates, fast approval.
8.4%+
Rate From
15+
Loan Types
30+
Bank Partners
24hr
Quick Response
Every Loan, One Platform
Filter by category and apply for any loan in minutes
Personal Loan (PL)
Instant cash — no collateral
Unsecured loan for any personal need — medical, travel, wedding, education or debt consolidation. Quick disbursal with minimal documentation.
Business Loan (BL)
Grow your business faster
Working capital, expansion, equipment or inventory loan for proprietorship, partnership, Pvt. Ltd. and LLP firms. Secured and unsecured options available.
Home Loan (HL)
Buy your dream home
Loan to buy ready-to-move or under-construction home — flat, bungalow, row house or villa. RERA-approved projects eligible. Up to 90% LTV available.
Loan Against Property (LAP)
Unlock property value
Pledge your residential or commercial property and get a high-value loan. Use funds for business expansion, debt consolidation or any other purpose.
Car Loan — New Vehicle
Drive your new car today
Loan for brand new car purchase. Up to 100% on-road funding available. Low interest rates, flexible tenure, instant approval from top banks and NBFCs.
Car Loan — Used Vehicle
Finance your pre-owned car
Loan for used/second-hand cars up to 10 years old. Get up to 85% of vehicle value. RC transfer assistance and insurance guidance also provided.
Gold Loan
Instant cash against gold
Get same-day cash against gold jewellery or coins. No income proof, no CIBIL check needed. Highest LTV up to 75% as per RBI norms. Safe custody guaranteed.
Education Loan
Study in India or abroad
Covers tuition, hostel, books and travel for courses in India and abroad. Repayment starts after course + 6–12 months grace period. Tax benefit under 80E.
MSME / SME Loan
Small & medium enterprise
Special loan for Micro, Small & Medium Enterprises. Lower rates, easier eligibility, collateral-free options under CGTMSE scheme. Udyam registration preferred.
Micro Loan
Small loan for small needs
Small-ticket loans for micro entrepreneurs, small vendors, women entrepreneurs and self-help groups. Minimal documentation, quick processing, collateral-free.
Tractor Loan
New & used tractor financing
Agricultural equipment loan for farmers to purchase new or used tractors, power tillers and farm implements. Low interest, flexible repayment with crop cycle.
OD / CC Loan
Overdraft & cash credit facility
Revolving credit facility for businesses — use funds as needed, pay interest only on utilized amount. Ideal for working capital needs and seasonal businesses.
PM Mudra Loan
Govt scheme for small business
Government-backed loan under PMMY for small business and entrepreneurs. Three categories: Shishu (₹50K), Kishor (₹5L), Tarun (₹10L). No collateral required.
PMAY Housing Scheme
Subsidized home for all
Pradhan Mantri Awas Yojana for EWS, LIG & MIG categories. Interest subsidy up to ₹2.67 Lakh credited directly. First-time home buyers only.
Kisan Credit Card (KCC)
Credit for farmers
Short-term credit for farmers to meet agricultural needs — seeds, fertilizers, pesticides, land preparation and post-harvest expenses. Revolving credit facility.
Calculate Your Loan EMI
Estimate monthly EMI for any loan type instantly
Check Eligibility
Select loan type to see eligibility criteria
Age
21–60 years (salaried), up to 65 (self-employed).
Income
Min ₹15,000/month salaried or ₹2 Lakh annual (self-emp).
CIBIL Score
Minimum 700. Higher score = lower rate offered.
Employment
Min 1 yr in current job. Total 2 yrs work experience.
EMI Obligations
Total EMIs should not exceed 50% of monthly income.
No Collateral
Completely unsecured — no property or asset pledge needed.
Age
Min 21 yrs. Max 65–70 yrs at loan maturity.
Income
Salaried min ₹15,000/month. Self-emp: stable 2-yr ITR.
CIBIL Score
Minimum 650. Score 750+ gets best rates.
Employment
Salaried (2 yr) or Self-employed (3 yr business).
Property
Approved residential — flat, bungalow, plot or construction.
Co-applicant
Co-applicant increases eligibility — spouse or parent.
Business Age
Min 3 years of business operation with proper docs.
Turnover
Min ₹10 Lakh annual turnover. Higher = higher loan.
Business Type
Proprietorship, Partnership, Pvt Ltd, LLP — all eligible.
ITR Filing
Last 2–3 yrs ITR + GST returns for 1 year mandatory.
CIBIL Score
Business CIBIL (CMR) + personal CIBIL both checked.
Profitability
Positive profit trend in last 2 years required.
Age
Min 18 yrs. Max 65 (salaried), 70 (self-employed).
Income
Min ₹10K/month (two-wheeler), ₹15K/month (car).
CIBIL Score
Min 650. Some NBFCs offer below 650 at higher rates.
Vehicle Type
New or used car (up to 10 yrs old), bike, commercial.
Down Payment
10–20% down payment required for used vehicles.
Documents
Minimal — ID, income proof, RC (for used), driving licence.
Age
Minimum 18 years. No maximum age restriction.
Gold Purity
18–22 carat gold jewellery. Coins also accepted.
LTV Ratio
Up to 75% of current gold market value (RBI norms).
No CIBIL
No minimum CIBIL score — gold is primary security.
No Income Proof
No income or employment proof required at all.
Disbursal
Same-day disbursal after gold valuation. Safe custody.
Student Age
Min 18 yrs at time of admission. No max age limit.
Academic Record
Good academic track record preferred by most banks.
Course Type
Graduation, post-grad, professional, diploma — all eligible.
Co-applicant
Parent or guardian as co-applicant — mandatory.
Repayment
Starts after course completion + 6–12 months grace period.
Collateral
Up to ₹7.5L without collateral. Above that — collateral needed.
Documents Required
Select loan type to see required documents
Identity & Address
Income Proof
Property Docs
Identity & Address
Income Proof
Business Documents
Identity & Financial
Identity & Income
Vehicle Documents
Minimum Required
Simplest Process!
Gold loan requires the fewest documents. Just bring your gold + Aadhaar + PAN and get cash the same day. No income proof, no CIBIL check, no delay.
Student Documents
Co-applicant (Parent)
Simple 5-Step Process
Same easy process for all loan types
Enquiry
Call or fill enquiry form with basic details.
Eligibility
We check income, CIBIL & best loan match.
Documents
Submit docs — we guide on every paper.
Approval
Bank verifies & issues sanction letter.
Disbursal
Amount credited directly to account.
We Work With All Major Banks
Best rates across 30+ banks and NBFCs
Why Choose Snehatex for Loans?
30+ Bank Partners
All major banks & NBFCs — best rates guaranteed.
100% Transparent
No hidden charges. Clear communication at every step.
Expert Guidance
Dedicated experts to choose the right loan & best offer.
Quick Processing
Fast documentation & direct bank coordination.
15+ Loan Types
PL, BL, HL, LAP, Gold, Vehicle, Tractor, OD/CC & more.
Best Rates
We compare across lenders to get lowest interest rate.
End-to-End Support
From enquiry to disbursal — full support without extra cost.
Surat Specialists
Deep local knowledge of Surat & Gujarat market.
Loan FAQs
Common loan questions answered
Get the Best Loan Deal Today!
Free consultation · All loan types · Best rates · Snehatex, Surat — 7698511110