Fast Approval Process

Apply for a Loan

Experience the fastest, most secure, and completely digital loan application process with Lendycart.

256-bit SSL Encryption
RBI Compliant
Decision in 24 Hours
Zero Hidden Charges
4.9 / 5 Rated
Online Application

Application Form

Complete your application in just a few simple steps — takes less than 2 minutes.

256-bit SSL
Data Protected
24h Decision
How would you like to proceed?
Documents Checklist

What Documents Do You Need?

Keep these ready before you apply — the exact list depends on your employment type. All documents must be clear, readable copies.

Identity Proof
  • Aadhaar Card
  • PAN Card
  • Driving Licence Optional
Employment Proof
  • Employment ID Card
  • Appointment / Confirmation Letter
  • Increment / Promotion Letter Optional
Income Proof
  • Last 6 Months Salary Slips
  • Last 1 Year Bank Statement
  • Form 16 (Last 2 Years)
KYC — Proprietor
  • Aadhaar Card (Applicant & Co-Applicant)
  • PAN Card (Applicant & Co-Applicant)
  • Passport-size Photos
Business Proof
  • GST Registration Certificate Optional
  • Udyam Registration (MSME)
Financial Documents
  • Bank Statements — Last 1 Year (Current & Savings)
  • ITR — Last 3 Years (Full Set)
  • GSTR 3B — Last 1 Year
KYC — All Partners
  • PAN Card (All Partners)
  • Aadhaar Card (All Partners)
  • Partnership Deed
  • Firm PAN Card
  • Registration Certificate Optional
Financial Documents
  • Bank Statements — 1 Year (Firm Current)
  • Bank Statements — 1 Year (Partners Savings)
  • ITR — Last 3 Years (Partners)
  • ITR Firm — Last 3 Years
  • GSTR 3B — Last 1 Year
Company KYC
  • Certificate of Incorporation
  • MOA & AOA
  • Company PAN Card
  • GST Registration
  • Udyam Registration
Director KYC
  • PAN Card (All Directors)
  • Aadhaar Card (All Directors)
Financial Documents
  • Bank Statements — 1 Year (Company Current)
  • Bank Statements — 1 Year (Directors Savings)
  • ITR — Last 3 Years (Directors)
  • ITR Company — Last 3 Years
  • GSTR 3B — Last 1 Year
KYC Documents
  • PAN Card
  • Aadhaar Card
Professional Proof
  • Degree Certificate
  • Registration Cert (ICAI / Bar / Medical)
  • Practice / Office Proof (License / GST / Bill)
Financial Documents
  • Bank Statements — 1 Year
  • ITR — Last 3 Years
  • GSTR 3B — Last 1 Year
Housing Loan — Property Documents
  • Sale Agreement
  • Approved Building Plan
  • Property Tax Receipt
  • EC (01.01.1987 to Till Date)
  • Patta / Chitta
Mortgage Loan — Property Documents
  • Property Documents / Sale Deed
  • EC (01.01.1989 to Till Date)
  • Approved Plan & Estimation
  • Property Tax Receipt
  • Patta / Chitta
  • Parent Documents

These property documents are in addition to your standard KYC and income documents based on your employment type.

Required Optional Accepted formats: PDF, JPG, PNG  ·  Max 5 MB per file
Our Process

From Application
to Funds in Your Account

A completely digital, transparent, 5-step journey — no paperwork, no running around. Lendycart handles everything so you can focus on your goals.

2 min
To Apply Online
24 hrs
Avg. Decision Time
₹0
Advisory Fees
01
Online · Free

Fill the Application Form

Complete our secure online form in under 2 minutes. Provide your personal details, employment info, and loan requirement.

  • Personal & Employment details
  • Loan amount & type selection
  • Document upload (PDF/JPG/PNG)
  • 256-bit SSL encrypted & safe
02
Personal Touch

Dedicated Advisor Assigned

A real Lendycart loan expert reviews your profile and calls you to understand your exact needs and guide next steps.

  • Assigned within a few hours
  • Qualified, certified advisors only
  • Advice on best loan product fit
  • Help to prepare missing documents
03
50+ Lenders

Multi-Lender Application Review

Your application is evaluated against 50+ banks, NBFCs, and lenders simultaneously to find the best match and interest rate for you.

  • Credit profile & eligibility check
  • Best interest rate comparison
  • Loan tenure optimisation advice
  • Shortlisted lender recommendation
04
Lender Side

Independent Lender Verification

The shortlisted lender conducts their independent verification — field visits, document checks, and a credit bureau inquiry.

  • Document authenticity check
  • Employment / business verification
  • CIBIL / credit score pull
  • Field verification (if required)
05
🎉 Final Step

Approval, Sanction & Disbursal

You receive the official sanction letter with final terms. Upon your acceptance, the full loan amount is credited directly to your bank account.

  • Official sanction letter issued
  • Competitive interest rate locked
  • Loan agreement signing (digital)
  • Direct bank account credit
Ready to get started? The entire process takes less than a week. Our advisors are available Mon–Sat, 9AM–7PM.
Apply Now  
About Lendycart

We Are a Free Loan
Advisory Service

Lendycart is a free loan advisory and brokerage platform. We connect borrowers like you with the best banks, NBFCs, and financial institutions across India. We do not lend money ourselves — instead, we help you get the best deal from those who do.

Our service is completely free for applicants. We are compensated by lenders, not by you, so there are zero advisory fees, zero processing charges from our end. The only charges you'll ever encounter are from the lender directly — and we help you understand and compare those too.

We Never Charge You

No fees, no charges, no hidden costs — ever.

Your Data is Safe

256-bit encrypted. Never sold. RBI compliant.

Expert Guidance

Real advisors, not bots. We work for your best outcome.

10,000+
Happy Borrowers
50+
Lending Partners
24 Hrs
Avg. Decision Time
4.9 / 5
Customer Rating

Important: Lendycart is a loan facilitator and advisor. We are not a bank or NBFC. Loan approval is subject to the lender's discretion, your creditworthiness, and applicable regulations. We are not responsible for any delay or rejection by the lender.