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Loan Guides
Understand borrowing before you borrow
Short, practical explainers on eligibility, documentation, interest rates and repayment planning.
ShivLoans is a loan marketplace and does not itself provide loans. Loan offers are provided by RBI-registered lending partners and are subject to their eligibility criteria, credit assessment and terms.
Personal Loan Eligibility Explained
What lending partners typically look at when assessing a personal loan application in India.
6 min read
Personal Loan Documents Checklist
A general view of documents lending partners commonly request. Exact lists vary by partner.
5 min read
Understanding Your Personal Loan EMI
How EMI is calculated and what changes when you adjust amount, rate or tenure.
4 min read
How Personal Loans Work
From application to disbursal: the typical journey, and where a marketplace fits in.
5 min read
Business Loan Eligibility Basics
Vintage, turnover, and documentation factors partners commonly consider.
6 min read
Business Loan Documents Checklist
Typical paperwork requested by lending partners for business loans.
5 min read
Loan Interest Rates Explained
Fixed vs floating, reducing balance, and what actually drives your rate.
6 min read
How to Improve Your Loan Eligibility
Practical, honest steps that may strengthen your profile over time.
5 min read
Personal Loan vs Business Loan
Which product fits which need, and how assessment differs.
5 min read
How Loan Approval Works
The steps between submitting an application and a lender's decision.
5 min read