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A personal loan is an unsecured loan provided by a bank, NBFC or other regulated entity. You apply, the lender assesses your profile, and if approved the amount is disbursed and repaid in monthly instalments.\n\nA marketplace like ShivLoans sits before that: it helps you discover and compare options from lending partners. It does not sanction or disburse loans.
Personal Loan · 5 min read
How Personal Loans Work
From application to disbursal: the typical journey, and where a marketplace fits in.
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.
Who Provides Your Loan?
ShivLoans does not provide, sanction or disburse loans. We operate as a digital marketplace that helps customers discover and connect with lending partners. Loan products available through the platform are offered by the respective lending partners, which may include RBI-registered banks/NBFCs or other regulated entities, subject to applicable requirements.
Read the full disclaimer