Redefining Personal Finance for Every Indian
We started with a simple belief: getting a personal loan should be as easy as ordering food online. No paperwork mountains, no branch visits, no hidden surprises.
50,000+
Happy Borrowers
₹500 Cr+
Loans Disbursed
25+
Cities Served
4.8★
Average Rating
Our Story
ZoLoans was founded in 2019 by a team of fintech veterans and banking professionals who were frustrated by how broken the personal loan experience was for ordinary Indians. Long queues, opaque processes, and arbitrary rejections — the system was designed for the bank, not the borrower.
We built ZoLoans from the ground up with one goal: put the borrower first. Our proprietary credit assessment model evaluates over 200 data points to give more people access to fair credit, faster. Today, we've disbursed over ₹500 crore in loans to more than 50,000 happy borrowers across India.
We're headquartered in Bengaluru with operations across 25+ cities, and we're growing every day — because financial freedom shouldn't be a privilege.
Founded 2019
Bengaluru, Karnataka
Mission & Vision
To make personal credit simple, transparent, and accessible for every Indian — regardless of where they live or who they bank with.
A future where no Indian is denied fair credit due to outdated systems, and every borrower feels respected, informed, and empowered.
Transparency
No hidden fees, no fine print traps. Every cost is shown upfront before you sign.
Speed
From application to disbursal in 24 hours — because financial needs don't wait.
Fairness
Our AI-powered model looks beyond your CIBIL score to give you the credit you deserve.
Empathy
We treat every borrower as a person, not a number. Our support team is always a call away.
The People Behind ZoLoans
Arun Singh
Founder
15 years in banking and fintech. Former VP at HDFC Bank. IIM Ahmedabad alumnus.
Mayank
Co-Founder & CTO
Built credit scoring systems at Paytm and BankBazaar. IIT Bombay graduate.
Rohit Sharma
Chief Risk Officer
20 years in credit risk management. Former Head of Risk at Bajaj Finance.
Sneha Kapoor
Head of Customer Experience
Passionate about borrower advocacy. Previously led CX at Lendingkart.
Why Borrowers Trust ZoLoans
RBI Registered NBFC
Registration No. N-13.02341
ISO 27001 Certified
Data security & privacy
Member — FIDC
Finance Industry Development Council
Best Fintech Startup 2023
Economic Times Startup Awards
Top 50 Fintech India 2024
Inc42 Fintech50 List
Excellence in Digital Lending
ASSOCHAM Finance Summit 2024
Ready to Experience the ZoLoans Difference?
Join 50,000+ borrowers who chose a smarter way to borrow.