Every Loan. One Platform.
From personal loans to MSME financing — compare rates, check eligibility, and get approved fast with 30+ bank and NBFC partners.
Personal Loan
Quick cash for any need — no collateral required
Get instant personal loans up to ₹50 Lakhs with minimal documentation. Whether it's a medical emergency, wedding, travel, or home renovation — WAVECRED connects you to the best personal loan offers from top banks and NBFCs.
Loan Amount
₹50,000 – ₹50 Lakhs
Interest Rate
From 10.5% p.a.
Tenure
12 – 60 months
Approval Time
24 – 48 hours
Eligibility Criteria
- Salaried or self-employed individuals
- Age: 21 – 60 years
- Minimum monthly income: ₹20,000
- CIBIL score: 700+
Documents Required
- PAN Card & Aadhaar Card
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / ITR (for self-employed)
Processing Fee: Up to 2% of loan amount
Home Loan
Make your dream home a reality at the lowest rates
Finance your dream home with competitive home loan rates starting from 8.4% p.a. WAVECRED partners with 30+ lenders to offer you the best home loan deals — whether you're buying, constructing, or renovating.
Loan Amount
₹5 Lakhs – ₹10 Crores
Interest Rate
From 8.4% p.a.
Tenure
Up to 30 years
Approval Time
3 – 7 working days
Eligibility Criteria
- Salaried or self-employed individuals
- Age: 21 – 70 years (at loan maturity)
- Minimum monthly income: ₹30,000
- CIBIL score: 700+
Documents Required
- PAN Card & Aadhaar Card
- Income proof (salary slips / ITR)
- Property documents
- Bank statements (6 months)
Processing Fee: 0.25% – 1% of loan amount
Business Loan
Fuel your business growth with fast, collateral-free funding
Scale your business with unsecured business loans up to ₹2 Crores. Fast approvals, minimal paperwork, and flexible repayment — designed for entrepreneurs and business owners who need capital quickly.
Loan Amount
₹1 Lakh – ₹2 Crores
Interest Rate
From 12% p.a.
Tenure
12 – 60 months
Approval Time
48 – 72 hours
Eligibility Criteria
- Business vintage: Minimum 2 years
- Annual turnover: ₹10 Lakhs+
- Age: 25 – 65 years
- CIBIL score: 700+
Documents Required
- PAN Card & Aadhaar Card
- Business registration proof
- Last 2 years ITR with P&L
- Bank statements (12 months)
Processing Fee: Up to 2.5% of loan amount
MSME Loan
Empowering micro, small & medium enterprises across India
Dedicated MSME financing solutions under government-backed schemes. Access collateral-free loans, MUDRA loans, and priority sector lending with preferential rates for registered MSMEs.
Loan Amount
₹50,000 – ₹5 Crores
Interest Rate
From 11% p.a.
Tenure
12 – 84 months
Approval Time
3 – 5 working days
Eligibility Criteria
- Registered MSME / Udyam registration
- Business vintage: Minimum 1 year
- Annual turnover: ₹5 Lakhs+
- CIBIL score: 650+
Documents Required
- Udyam / MSME registration certificate
- PAN Card & Aadhaar Card
- GST registration (if applicable)
- Bank statements (6 months)
Processing Fee: Minimal / NIL under govt schemes
Loan Against Property
Unlock the hidden value in your property
Leverage your residential or commercial property to access large loan amounts at lower interest rates. Ideal for business expansion, debt consolidation, or major expenses — with long repayment tenures.
Loan Amount
₹10 Lakhs – ₹10 Crores
Interest Rate
From 9.5% p.a.
Tenure
Up to 20 years
Approval Time
5 – 10 working days
Eligibility Criteria
- Property owner (residential or commercial)
- Age: 25 – 70 years
- Stable income source
- CIBIL score: 680+
Documents Required
- Property documents (title deed, NOC)
- PAN Card & Aadhaar Card
- Income proof (salary / ITR)
- Bank statements (12 months)
Processing Fee: 0.5% – 1.5% of loan amount
Vehicle Loan
Drive your dream vehicle home today
Finance new or used cars, two-wheelers, and commercial vehicles with competitive rates. Fast approvals, high LTV ratios, and flexible EMI options — get on the road faster with WAVECRED.
Loan Amount
₹50,000 – ₹1 Crore
Interest Rate
From 7.9% p.a.
Tenure
12 – 84 months
Approval Time
24 – 48 hours
Eligibility Criteria
- Salaried or self-employed
- Age: 21 – 65 years
- Minimum monthly income: ₹15,000
- CIBIL score: 680+
Documents Required
- PAN Card & Aadhaar Card
- Income proof
- Vehicle quotation / RC (for used)
- Bank statements (3 months)
Processing Fee: Up to 1% of loan amount
Ready to Apply?
Get your loan approved in 48 hours. Our DSA experts guide you through every step.