Introduction

Welcome to LoanPao’s Terms and Conditions India 2025. These terms govern your use of our website, services, and loan products, including personal, business, and startup loans. By accessing www.loanpao.in, you agree to comply with these terms and conditions India 2025. For inquiries, contact us at +91-971-769-5334 or info@loanpao.in. These terms are compliant with RBI regulations and apply to all users in India.

LoanPao acts as a facilitator, connecting borrowers with 500+ RBI-compliant lenders. Our terms and conditions India 2025 ensure transparency in loan processing, repayment, and data handling. Review our Privacy Policy for data usage details.

Eligibility for Services

To use LoanPao’s services under the terms and conditions India 2025, you must:

  • Be a resident of India, aged 18–60 years.
  • Provide accurate personal and financial information via e-KYC.
  • Comply with RBI and lender-specific eligibility criteria (e.g., CIBIL score 650+ for most loans).
  • Not use our platform for unlawful purposes.

Explore eligibility for specific loans on our loan products page.

Loan Agreement Terms

LoanPao’s terms and conditions India 2025 outline that loan agreements are between you and the lender. We facilitate applications but are not liable for lender decisions. Key points:

  • Loan amounts range from ₹25,000–₹50 lakh, subject to lender approval.
  • Interest rates (10%–15% p.a.) and tenures (6 months–5 years) vary by loan type.
  • You must review lender-specific terms before signing.
  • LoanPao ensures transparency via our EMI Calculator.

Non-compliance may lead to penalties or legal action by the lender, per terms and conditions India 2025.

Repayment Obligations

Under our terms and conditions India 2025, you agree to:

  • Repay EMIs on time as per the lender’s schedule.
  • Pay prepayment fees (1%–2%) if applicable, after 6–12 months.
  • Notify the lender of financial difficulties to explore restructuring options.
  • Bear late payment penalties as per lender terms.

Use our EMI Calculator to plan repayments effectively.

Privacy and Data Protection

LoanPao adheres to strict data protection under the terms and conditions India 2025. We collect personal and financial data (e.g., Aadhaar, PAN, bank statements) via e-KYC for loan processing. Data is shared with RBI-compliant lenders only with your consent. Review our Privacy Policy for details. We ensure compliance with the RBI regulations 2025.

Dispute Resolution

Disputes under the terms and conditions India 2025 are resolved as follows:

  • Contact LoanPao at info@loanpao.in for grievances.
  • Unresolved issues may be escalated to the lender or RBI Ombudsman.
  • Disputes are subject to Delhi jurisdiction, per Indian law.

We aim to resolve issues within 7–14 days, per RBI guidelines.

Changes to Terms

LoanPao reserves the right to update the terms and conditions India 2025 to reflect regulatory or operational changes. Updates will be posted on this page, and continued use of our services implies acceptance. For updates, check this page or contact us at +91-971-769-5334.

Contact Us

For clarifications on the terms and conditions India 2025, reach us at:

LoanPao is committed to transparency and compliance with the terms and conditions India 2025. Explore our loan products for your financial needs.