Personal Loan
For anything from a wedding to a medical emergency — unsecured, fast, no collateral.
Compare ratesCompare 20+ banks & NBFCs in one place
Stop overpaying on
your loan.
Personal loans, Car loans, Home loans or Loan Against Property — we check your eligibility across every major bank and NBFC, and show you the best rate. You pick the lender. No middlemen pushing one bank's agenda.
No documents to start. No spam calls. Your eligibility kit lands on WhatsApp in minutes.
Eligibility Kit · WhatsApp
ICICI BankBest Rate
HDFC BankAlso eligible
Axis BankAlso eligible
TIME TO RESULTMinutes,
not days
not days
Trusted network of 20+ banks & NBFCs
WHAT WE COVER
Every loan. One comparison.
Whatever you're borrowing for, we run it against every partner lender
and surface the offers you actually qualify for.
Car Loan
New or pre-owned, compare the monthly cost before you commit at the showroom.
Compare ratesHome Loan
Long tenure, lowest possible rate — compare across banks before you commit for years.
Compare ratesLoan Against Property
Unlock value from property you own with higher amounts and longer repayment.
Compare ratesABOUT US
Who we are, in plain terms.
Our First Loans is a loan advisory and comparison platform built for salaried individuals across India. We are not a bank and we do not lend money ourselves — instead, we help you see, in one place, which of our 20+ partner banks and NBFCs are actually likely to approve you, and at what rate.
Most people apply to one or two banks they already know and accept whatever is offered, often without knowing a better rate or higher amount was available elsewhere. We flip that: you tell us your profile once, and we run it against every partner lender's policy to show you where you genuinely qualify.
What we do
- Run a free, no-document eligibility check across Personal, Car, Home and Loan Against Property products
- Compare real interest rates, eligible amount and tenure side-by-side from 20+ banks and NBFCs
- Explain the eligibility math (income, FOIR, CIBIL, obligations) in plain language, not fine print
- Hand you off to a human advisor on WhatsApp once you decide to proceed — with no pressure to pick any specific lender
- Never sell or share your data with third parties, and never spam you with calls
HOW IT WORKS
Four steps. No paperwork
upfront.
- 1
Pick your loan
Personal loans, Car loans, Home loans or Loan Against Property.
- 2
Check eligibility on WhatsApp
Answer a few quick questions. No documents needed to see what you qualify for.
- 3
Compare real offers
See rates side-by-side from every bank and NBFC you're eligible with.
- 4
Choose & apply
Pick the lender you like best — we hand you off, no lock-in with us.
REAL BORROWERS
People who found a better rate
"Honestly I expected maybe ₹4 lakhs. The report came back at over ₹10 lakhs across three banks — 250% more. I read it twice to make sure I wasn't misreading a decimal."
"Two personal loans, three cards, half my salary gone every month. One call with the team and it's all one EMI now. That's it. That's the whole story, and it's enough for me."
1–2 / 12
Is checking my eligibility free?
Yes — the eligibility check itself is completely free, with no obligation to proceed.
Do I need to upload any documents?
No Aadhaar, PAN or payslip is needed just to check — only once you're ready to actually apply.
How do I receive my eligibility report?
Your indicative report appears instantly on this page. Choose Continue on WhatsApp to share your results with our advisor and receive your full report and next steps there.
Do you check all banks, or specific ones?
We check across our network of 20+ partner banks and NBFCs, plus select small and medium banks based on your profile. Rates and eligibility shown are indicative; available lenders depend on your loan type and profile, and final terms are confirmed by the lender.
What happens after I get my report?
You choose whether to proceed. If you do, a dedicated advisor personally walks you through next steps.
Will I get repeated calls after checking?
No. We are not spammy — no unnecessary calls are ever made. An advisor connects with you only if you show interest and choose to continue on WhatsApp.
Do you share or sell my data to third parties?
Never. Your details are used only to prepare your eligibility report — they are not shared with or sold to any third party, and no one outside our team contacts you.
What happens to the data I fill in the eligibility check?
We save your contact details, the financial information you submit — including salary, CIBIL score and existing loan details — and your eligibility result so our team can prepare your report and help with your application. These details are accessible to authorised staff and are never sold to anyone.
Is Our First Loans a bank or NBFC?
No. We are a loan advisory and comparison platform. We do not lend money ourselves — we compare your profile against 20+ partner banks and NBFCs and connect you with the lender that fits, at no extra cost to you.
Which banks and NBFCs do you compare?
Our network includes ICICI Bank, HDFC Bank, Axis Bank, Kotak Mahindra Bank, Federal Bank, Yes Bank, IndusInd Bank, Tata Capital, Aditya Birla Capital and 10+ other leading banks and NBFCs, depending on the loan type and your profile.
Who can use Our First Loans?
Any salaried individual or self-employed applicant in India looking for a Personal Loan, Car Loan, Home Loan or Loan Against Property. There is no cost to check your eligibility, and no minimum salary to start the check.
How is my final interest rate decided?
Your final rate is set by the lender you choose, based on your credit score (CIBIL), income, employer category, requested amount, tenure and existing EMI obligations. We show indicative starting rates so you can compare lenders before deciding.
REAL ADVICE, WITHOUT THE RUNAROUND
Talk to our team.
Compare with confidence.
Tell us what you are planning and a loan specialist will help you understand the next step. No bank bias, no pressure to proceed.
- Response within 30 minutes during 9am–9pm
- Personal loans, Car loans, Home loans and Loan Against Property support
Talk to our team
We respond within 30 minutes · Mon–Sun · 9am–9pm
Your best rate is one WhatsApp
message away.
Free eligibility check. No documents. No pressure to proceed.