Know Where You Have a Higher Chance of Approval Before You Apply
Check your loan eligibility against typical lender criteria in under a minute. Avoid unnecessary applications, protect your CIBIL score, and apply where it actually counts.
Live Eligibility Calculator
Updates as you type — no sign-up needed
Check Eligibility for Any Loan Type
Every loan type is scored differently — pick yours to see criteria tailored to how that loan is typically underwritten.
Personal Loan
Unsecured funding for weddings, medical needs, travel or debt consolidation.
10.5% – 24% p.a.Home Loan
Secured financing to buy, construct or renovate residential property.
8.4% – 11% p.a.Business Loan
Working capital or growth funding for existing businesses.
11% – 20% p.a.Education Loan
Fund tuition, living costs and travel for higher education in India or abroad.
9% – 15% p.a.Car Loan
Secured financing for new or used vehicle purchases.
9% – 13.5% p.a.Three Steps to a Clearer Picture
No paperwork, no bank visits — just your profile compared against lender criteria patterns.
Enter Your Details
Share your income, employment type, credit score and loan requirement — takes under a minute.
Eligibility Analysis
ClearToLend scores your profile against income multiples, FOIR, credit band and employment stability.
Get Your Result
See your eligibility tier and estimated eligible amount, then apply with confidence.
Built to Protect You, Not Just Convert You
Four Weighted Factors, Fully Explainable
Every score is built from income adequacy, credit band, EMI burden (FOIR) and employment stability — never a black box.
No Credit Score Impact
Checking on ClearToLend never triggers a hard enquiry on your report.
Soft Eligibility Check
An informational assessment, not a lender credit enquiry.
Fast Results
Get your eligibility tier in seconds, live as you type.
Secure by Design
Every submission is protected with CSRF tokens, bot honeypots and request rate limiting.
What Early Users Are Saying
"I was about to apply to three banks at once. ClearToLend showed me I had a low chance with two of them, so I focused on the one lender that actually matched my profile — got approved in a week."
"The eligibility check took less than a minute and explained exactly why my existing EMIs were pulling my score down. Genuinely useful before going anywhere near a loan application."
"Clean, honest tool — it did not promise approval, just told me where I stood. That transparency is rare and it saved me from a rejection that would have hit my CIBIL score."
"Used ClearToLend before applying for my home loan. The estimated eligible amount was close to what the bank finally offered — helped me plan my down payment properly."
"Simple form, instant result, no spam calls until I actually chose to share my number. That alone makes it better than most loan sites I have tried."
"As a business owner getting eligibility right matters — ClearToLend factored in my existing obligations properly instead of just looking at turnover."
Frequently Asked Questions
Ready to See Where You Stand?
Free, fast, and it won't affect your credit score. Check your eligibility now.
Check My Eligibility