Private Loans - All Types
Get instant approval on Personal, Business, Home, Vehicle, Education, Gold & more loans with competitive interest rates and flexible repayment options
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EXPERT DIGITAL SERVICES offers comprehensive private loan solutions tailored to meet your personal and business financial needs. With hassle-free processing, quick approvals, and competitive interest rates, we are your trusted partner for all types of loans.
Our Loan Products
Choose from our wide range of loan products designed for every financial need
Personal Loan (PL)
₹50,000 - ₹25 Lakhs
- Interest Rate: 10.5% - 24% p.a.
- Tenure: 12 - 60 months
- Minimal documentation
- Quick disbursal in 24 hours
- No collateral required
Business Loan (BL)
₹1 Lakh - ₹50 Lakhs
- Interest Rate: 12% - 20% p.a.
- Tenure: Up to 5 years
- Working capital & expansion
- Flexible repayment options
- For SMEs and startups
Home Loan (HL)
₹5 Lakhs - ₹5 Crores
- Interest Rate: 8.5% - 11% p.a.
- Tenure: Up to 30 years
- Purchase, construction, renovation
- Up to 90% property value
- Tax benefits under 80C & 24B
Loan Against Property (LAP)
₹5 Lakhs - ₹10 Crores
- Interest Rate: 9% - 14% p.a.
- Tenure: Up to 20 years
- Residential or commercial property
- Up to 70% of property value
- Use for any purpose
New Car Loan
₹2 Lakhs - ₹1 Crore
- Interest Rate: 8.5% - 12% p.a.
- Tenure: 12 - 84 months
- Up to 90% on-road price
- All car brands covered
- No prepayment charges
Used Car Loan
₹1 Lakh - ₹50 Lakhs
- Interest Rate: 11% - 16% p.a.
- Tenure: 12 - 60 months
- Cars up to 10 years old
- Up to 80% vehicle value
- Quick processing
Micro Loan
₹10,000 - ₹2 Lakhs
- Interest Rate: 12% - 26% p.a.
- Tenure: 6 - 36 months
- For small businesses & self-employed
- Minimal documentation
- Instant approval available
Gold Loan
₹25,000 - ₹50 Lakhs
- Interest Rate: 9% - 15% p.a.
- Tenure: 3 - 36 months
- Up to 75% of gold value
- Secure & transparent process
- Instant disbursal within 30 mins
Education Loan
₹50,000 - ₹1 Crore
- Interest Rate: 9% - 13.5% p.a.
- Tenure: Up to 15 years
- India & abroad studies covered
- Moratorium period available
- Tax benefits under Sec 80E
Overdraft (OD)
₹50,000 - ₹50 Lakhs
- Interest Rate: 10% - 18% p.a.
- Flexible withdrawal & repayment
- Interest only on utilized amount
- Ideal for working capital
- Instant fund access
Cash Credit (CC)
₹1 Lakh - ₹1 Crore
- Interest Rate: 11% - 16% p.a.
- Revolving credit facility
- Against inventory/receivables
- For business operations
- Flexible limit based on turnover
Secured Loan
₹1 Lakh - ₹5 Crores
- Interest Rate: 9% - 15% p.a.
- Tenure: Up to 15 years
- Against FD, Property, Securities
- Lower interest rates
- Higher loan amounts
Why Choose Our Loan Services
Quick Approval
Get instant pre-approval and disbursal within 24-48 hours
Best Interest Rates
Competitive rates starting from 8.5% with transparent pricing
Minimal Documentation
Simple paperwork with digital document submission
Expert Guidance
Dedicated relationship manager for personalized support
Loan Application Process
Simple 4-step process to get your loan approved
Submit Application
Fill online form with basic details and loan requirement
Document Verification
Upload required documents for quick verification
Get Approval
Receive approval & loan sanction letter instantly
Disbursal
Funds transferred directly to your bank account
Eligibility & Documents
Eligibility Criteria
- Age: 21 - 65 years
- Employment: Salaried / Self-Employed / Business Owner
- Minimum Income: ₹15,000 per month (varies by loan type)
- Credit Score: 650+ (preferred 750+)
- Work Experience: Minimum 2 years
- Residence: Indian Citizen with valid address proof
Required Documents
- KYC: Aadhaar Card, PAN Card, Voter ID
- Address Proof: Utility Bills, Passport, Driving License
- Income Proof: Last 3 months salary slips / ITR / Bank statements
- Employment Proof: Offer letter / Business registration
- Photographs: 2 passport size recent photos
- Additional: Property papers (for secured loans)
Key Benefits
No Hidden Charges
Complete transparency in pricing
Flexible Repayment
Choose tenure that suits you
No Prepayment Penalty
Close loan anytime without charges
Digital Process
100% online application & tracking
High Approval Rate
98% approval for eligible candidates
24/7 Support
Round the clock customer assistance
Secure & Safe
Bank-grade data security
Multiple Lenders
Compare & choose best offers
Ready to Get Your Loan?
Apply now and get instant pre-approval. Our team of experts will guide you through the entire process and ensure quick disbursal.