Know what a loan really costs before you say yes.
Move the sliders and see your EMI, how much of it is interest, and every fee, in rupees.
- Checking your offer doesn't affect your credit score
- Fees are shown as amounts, not percentages
- Prepay whenever you like
Your loan, folded out
Sample rates, for illustrationIndicative figures on a reducing balance. Your offer may differ after your details are checked.
Pick a loan, then try it in the calculator
Choose the row that fits and the sliders above jump to it.
Personal loan
For a wedding, a move, a medical bill, or clearing a costlier debt.
- Amount
- ₹50,000 to ₹15 lakh
- Rate from
- 10.99% a year
- Repay over
- 6 to 60 months
Business loan
Stock, equipment or a slow-paying customer, without touching your savings.
- Amount
- ₹2 lakh to ₹25 lakh
- Rate from
- 13% a year
- Repay over
- 12 to 84 months
Credit line
A limit you draw from when needed. You pay interest only on what you use.
- Limit
- Up to ₹3 lakh
- Rate from
- 14% a year
- Repay over
- Flexible, 3 to 24 months
Education loan
Tuition and living costs, with repayment that starts after your course.
- Amount
- Up to ₹25 lakh
- Rate from
- 9.5% a year
- Repay over
- Up to 7 years
From application to money in your account
Most of it happens on your phone. You only need your PAN, Aadhaar and a bank account.
Tell us the basics
Your mobile number, PAN and income. It takes about five minutes and is a soft check on your credit.
Compare your offers
See the amount, EMI and full fee sheet for each offer. Nothing is hidden behind a call.
Sign and get paid
Verify with Aadhaar OTP, sign digitally, and the money goes straight to your bank account.
Every charge, on one page
Before you sign, you get a sheet like this one. It's built from your sliders, so you can see what the loan amount you choose does to what lands in your account.
Fee sheet for this loan
- Loan amount
- Processing fee (2%)
- GST on processing fee (18%)
- Late EMI fee
- 2% a month on the overdue EMI
- Prepayment charge
- Nil after your 6th EMI
- Lands in your account
Sample terms for illustration. Your offer shows the actual fees.
About Moneyfold
Moneyfold is a digital lending platform run by Saptone Techfin Private Limited from Dwarka, New Delhi. We help people and small businesses find a loan that fits, through our NBFC partners.
Most borrowers only see the full cost of a loan after they've committed. We built Moneyfold the other way round: the EMI, the interest and every fee are on screen before you apply, and again before you sign.
Show the whole cost
Fees appear as rupee amounts, not buried percentages.
Explain, don't pressure
You see your options side by side and decide in your own time.
Ask only for what's needed
We collect the details a lender needs to assess your loan, and nothing more.
Our NBFC partners
Loans on Moneyfold are offered by the lenders listed here. The lender's name is shown on your offer and on your loan agreement.
Our lending partners will be listed here.
Always check the lender named on your offer before you accept it.
Questions people ask first
Will checking my offer lower my credit score?
No. Checking your offer uses a soft enquiry, which doesn't change your score. A hard enquiry only happens if you accept an offer and continue.
How is my interest rate decided?
It depends on your credit history, income, existing EMIs and the loan you ask for. You'll see the exact rate before you accept.
Who actually gives me the loan?
One of our NBFC partners. Moneyfold is operated by Saptone Techfin Private Limited, and the lender's name is on your offer and loan agreement.
Can I repay early?
Yes. Pay part or all of the loan whenever you want. In this sample, there's no prepayment charge after your 6th EMI.
What happens if I miss an EMI?
A late fee applies to the overdue amount, and it can affect your credit score. If you expect trouble, contact us before the due date and we'll look at options.
Contact us
Questions about an offer, an EMI or an application? Call or write to us.
Call
7838317717Visit
Saptone Techfin Private LimitedD-484, 1st Floor, Ramphal Chowk, Sector 7, Dwarka, Dwarka Sec-6, New Delhi, South West Delhi, 110075 Open in Google Maps
See your offer in five minutes
No paperwork to upload today, and no impact on your credit score.