A personal loan application that respects your time — and your data
Check your loan eligibility, verify your identity online, and get matched with a trusted NBFC lending partner. No branch visits, no runaround — just one clear application you can track from start to finish.
Bank-grade encryption
Every document you upload is encrypted and stored in private cloud storage that is never publicly accessible.
Verified, not assumed
PAN verification and Aadhaar e-KYC via DigiLocker confirm your identity before your application moves forward.
Reviewed by real people
A member of our verification team looks at every application — there is no automated black-box approval.
Loan consolidation support
Bring multiple existing loans together into a single, easier-to-manage application.
How it works
A straightforward path from online application to a real lending decision — with a human reviewing your application at every step, not an automated approval script.
Apply online
Share your basic details and verify your email with a one-time code. The form itself takes just a few minutes to complete.
Verify your identity
Confirm your PAN and Aadhaar, and take a quick selfie.
We review your application
Our verification team checks your details and documents. Most applications are reviewed within 1–2 business days.
Matched with a lending partner
Once your application clears review, we introduce you to a lending partner — they make the loan decision, set the terms, and handle disbursal.
What you'll need
Have these ready before you start your loan application — it helps the online PAN and Aadhaar verification steps go smoothly.
PAN card
Used to verify your identity for your application.
Aadhaar number
Encrypted and only ever visible to our verification team.
A recent selfie
Used to confirm you are a real applicant during verification.
Location access
A one-time check as part of completing your application.
Security and privacy, not an afterthought
A loan application asks for sensitive documents — PAN, Aadhaar, a selfie, your credit report. Here is exactly how we protect them.
Encrypted storage
Documents are stored in private cloud storage with encryption at rest and in transit — never in a public folder or link.
No public access
Files are only ever reached through short-lived, secure links generated for your application — not permanent public URLs.
Limited access
Only our verification team can view your documents, and only as part of processing your application.
Aadhaar stays encrypted
Your Aadhaar number is encrypted at rest and masked everywhere in our system — only our verification team can reveal it, and every reveal is logged.
Frequently asked questions
What documents do I need to apply?
You will need a valid PAN card, your Aadhaar number, and a recent selfie.
Is my personal information safe?
Yes. Your documents are encrypted, stored in private cloud storage, and are never publicly accessible — only our verification team can view them, and only as part of reviewing your application.
How long does application review take?
The online application itself takes just a few minutes to fill in. After you submit it, our verification team typically reviews applications within 1–2 business days.
Who decides whether I get the loan?
OnLIVE reviews and verifies your application, but we are not a lender. The final loan decision, interest rate, and terms are set by our lending partner, not by us.
Is my Aadhaar number safe?
Yes. It is encrypted at rest and masked everywhere in our system by default — only our verification team can reveal it when needed, and every reveal is logged.
Can I use this for loan consolidation?
Yes — mention your consolidation needs in your application and our team will factor that in when connecting you with a lending partner.
Ready to check your eligibility?
It takes just a few minutes to apply. Verification and review happen right after — and you can track exactly where your application stands.
Apply now