Loans & cardsपहले तुलना, फिर फ़ैसला
Find a personal loan or a Credit Card that fits you.
Compare loan and credit card options from 20+ lenders. See your EMI, rate and fees before you apply.
आज क्या चाहिए?What do you need today?
What do you need the loan for?
Pick what you need money for.
See all 20+ lendersChoose a reason. We’ll show loan options, the EMI, and what you may have to pay each month.
Indicative, over 36 months at our lowest panel rate.
What do you need the card for?
Cards for how you spend.
All 110 cardsChoose how you spend. We’ll show the cards that fit, with fees and rewards side by side.
From 23 banks and issuers.
- Your credit score is not affected
- No fee to you
- Money in 15-20 mins
- 4.8 · 12 lakh+ Indians
असली हिसाबLoan EMI calculator
See what your loan may cost.
Choose an amount and how long you want to repay it. We’ll show your monthly EMI from different lenders.
₹5,090/month
These are example EMIs. A soft credit check shows your real options and won’t hurt your credit score.
तीन कदमHow it works
Get your loan in 3 simple steps.
- 1
Tell us about yourself
Share a few basic details like your income, job, city and PAN.
- 2
See your loan options
See which lenders match you, along with the EMI, interest rate and fees.
- 3
Get money in your bank
If your loan is approved, the lender sends the money straight to your bank account. Most lenders take 24–72 hours.
हिसाब-किताबTransparency
Numbers we show the working for.
- People using Zavo
- 12 lakh+
- Lending partners
- 20+
As on 31 July 2026, restated every quarter.
20+ lending partners · both credit bureaus · one screen
- Bajaj Finance Limited
- TVS Credit Services Limited
- TrueFund
- PayRupik
- FDPL
- mPokket
- Padmalaya Finserve Private Limited
- ExperianCredit bureau
- RBI-regulated lending partners
फ़र्क़ साफ़ हैThe difference
Same lenders. A very different screen.
- Know who will say yes before you apply
- One credit check, not one per bank
- Soft check, credit score untouched
- Every lender on one screen
- No fee charged to you
- Nobody calls you after
- Money moves lender → your bank
आपका डेटा, आपकाYour data
Your data does less travelling than you think.
Consent you can withdraw
Switch it off in one tap
Soft check, always
Looking never costs you points
Money never touches us
Lender to your bank account
Nothing sold, nothing shared
No contacts, SMS, photos, location
जिन्हें ‘हाँ’ मिलीReal people
People who got a yes.
My Axis Bank EMI was due the same week my salary got delayed. I paid part first through Zavo and cleared the rest later. No bounce. No penalty. That one month could’ve damaged everything.
I repay my PayRupik loan through Zavo every month. The cashback isn’t huge, but over time it has covered small bills. Paying on time finally feels like progress, not just pressure.
My ICICI personal loan EMI hit before my salary did. I split the payment through Zavo and avoided a missed month. No collection calls. Just breathing space when I needed it.
Shared with permission. Outcomes depend on the lender and your file.
जेब में ज़ावोOn your phone
Zavo on your phone
Your credit file, checked while you queue for chai.
- Your credit score refreshed every month, free
- Nudge when lender's rate drops
- EMI reminders three days out
सीधी बातStraight answers
Straight answers
Does checking my loan offers hurt my credit score?
No. We run a soft check, which only you can see. A hard enquiry happens when you actually apply to a lender, and we tell you the likely cost in points before that.
How much can I borrow?
Between ₹50,000 and ₹50,00,000, depending on your income, your existing EMIs and each lender’s policy. We show your real limit per lender rather than a headline maximum nobody gets.
How fast does the money come?
Most lenders on our panel disburse within 24 to 72 hours of final approval. The money goes straight from the lender to your bank account and it never passes through Zavo.
Is Zavo free?
Yes. Comparing the best personal loan offers, the credit score and the calculators are all free with no asterisk. Lenders pay us when someone we send them is funded. You are never charged, including when we fail.
Can I get a personal loan with a low credit score?
Sometimes. Some lenders on our panel go down to 650. Below that, we will tell you honestly rather than take you through an application that will be declined.
Will you share my data with lenders?
Only when you apply to a specific lender, and only the fields that lender needs. Your credit report is read on our side and is never passed on by itself.
बस दो मिनट
Two minutes
Find your rate before you need it.
PAN, date of birth, one consent. Instant loan approval odds, free, and nobody calls you afterwards.