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Personal Loan
Personal loan interest rates
Rates are set by lending partners, not by ShivLoans. Here's what typically drives them.
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.
What drives your rate
Credit profile
Repayment history and bureau score are primary inputs to partner pricing.
Income and stability
Income level, employer category and vintage influence risk assessment.
Loan amount and tenure
Ticket size and tenure change the partner's risk and pricing view.
Partner policy
Each partner runs its own pricing grid; the same profile can be priced differently.
Indicative partner ranges
Finding suitable options...
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