1. General Terms
Last Updated: October 2025
Welcome to Loanwala.in. By accessing, browsing, or using our website, mobile application, or related services, you agree to comply with and be bound by the following Terms and Conditions. These terms govern your relationship with Loanwala (“Company”, “we”, “our”, or “us”). Please read them carefully before using our services.
- You are at least 18 years of age and legally capable of entering into binding contracts under Indian Contract Act, 1872.
- You have read, understood, and agreed to these Terms & Conditions, along with our Privacy Policy and Disclaimer.
2. Scope of Services
Loanwala acts as a loan consultancy and facilitation platform, connecting customers with verified banks, NBFCs, and financial institutions. Our services include:
- Loan consultation and eligibility analysis.
- Application processing and documentation assistance.
- Connection with lenders for loan offers and approvals.
- Customer support during and after disbursal.
Note: Loanwala does not guarantee loan approval or offer credit directly. Final approval and terms depend solely on the respective financial institution’s evaluation policies.
3. User Responsibilities
By using our website or submitting a loan request, you agree to:
- Provide accurate, complete, and up-to-date information at every stage of application.
- Authorize Loanwala to verify your identity, credit score, and financial details through authorized agencies such as CIBIL, Experian, or Equifax.
- Not engage in any fraudulent, misleading, or illegal activities while using the platform.
- Maintain the confidentiality of your login credentials and not share them with others.
Note: Loanwala does not guarantee loan approval or offer credit directly. Final approval and terms depend solely on the respective financial institution’s evaluation policies.
3. User Responsibilities
By using our website or submitting a loan request, you agree to:
- Provide accurate, complete, and up-to-date information at every stage of application.
- Authorize Loanwala to verify your identity, credit score, and financial details through authorized agencies such as CIBIL, Experian, or Equifax.
- Not engage in any fraudulent, misleading, or illegal activities while using the platform.
- Maintain the confidentiality of your login credentials and not share them with others.
Any misuse of the website or false information may lead to rejection of your application or legal action under Indian Cyber Laws and Banking Regulations.
4. Eligibility & Verification
All loans processed through Loanwala are subject to eligibility checks, which may include:
- Credit history analysis and income verification.
- KYC (Know Your Customer) verification as per RBI Master Directions.
- Property, business, or asset verification for secured loans.
Loanwala and its partner institutions reserve the right to reject or hold any loan application without prior notice if it fails to meet verification standards.
5. Fees & Charges
Loanwala may charge a service or processing fee for consultancy, application handling, or document verification.
All applicable fees will be communicated transparently before final submission. Loanwala does not charge any advance fee for loan approval or disbursal and strictly adheres to RBI’s Fair Practices Code. Users are advised to make payments only through official channels listed on the website.
6. Third-Party Financial Institutions
Loanwala collaborates with multiple banks, NBFCs, and lending partners.
Please note:
- All loan terms (interest rate, tenure, EMI, and conditions) are governed by the lender’s policies.
- Loanwala is not liable for any changes, delays, or rejections from lenders.
- Once your loan is approved, your contractual relationship will be directly with the lender.
Loanwala’s role is limited to facilitating the connection and providing professional assistance throughout the process.
7. Data Privacy & Security
Your privacy is our top priority.
All personal, financial, and identification data shared with Loanwala is collected, processed, and stored in compliance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023. We use advanced encryption and secure servers to protect your data. By submitting your details, you consent to the use of your data for loan facilitation, verification, and marketing of relevant financial services.
You may withdraw your consent anytime by contacting us at info@loanwala.in
8. Intellectual Property Rights
All content, text, graphics, logos, images, and other materials displayed on Loanwala.in are the intellectual property of Loanwala and protected under Copyright Act, 1957. Users may not reproduce, copy, modify, distribute, or use any content without prior written permission.
9. Limitation of Liability
Loanwala acts purely as a financial facilitator. We are not responsible for:
- Loan rejection, delay in approval, or changes in terms made by the lender.
- Any direct, indirect, or consequential loss arising from use of the website or financial decision taken based on our consultation.
All users are advised to review lender terms carefully before signing any agreement.
10. Communication & Consent
By registering or submitting details on Loanwala, you authorize us and our partner institutions to contact you via:
- Phone calls, WhatsApp, SMS, or Email for updates, offers, and application status. All communications comply with TRAI guidelines and Do Not Disturb (DND) norms.
11. Termination of Use
Loanwala reserves the right to:
- Restrict, suspend, or terminate user access at any time if the user violates terms or engages in misuse.
- Modify, withdraw, or suspend services temporarily for maintenance or security reasons.
Upon termination, your right to use the website ceases immediately without prior notice.
12. Changes to Terms
Loanwala reserves the right to update or modify these Terms & Conditions at any time. Changes will be effective immediately upon posting on the website. Continued use of the platform after changes implies your acceptance of the revised terms.
13. Governing Law & Jurisdiction
These Terms & Conditions are governed by and construed in accordance with the laws of India.
Any disputes arising from or related to the use of Loanwala’s services shall be subject to the exclusive jurisdiction of the courts of Ahmedabad, Gujarat, India.
14. Contact Information
For queries, clarifications, or complaints, please contact us:
📧 Email: info@loanwala.in
🌐 Website: www.loanwala.in
🏢 Address: 301, Silver Fortune, Near Gaay Circle, Vadodara, Gujarat – 390007