Your Trusted Partner for all types of Retail Loans
From home renovations to education expenses, our retail loan solutions are designed to help you move forward—on your terms.
Why Retail Loans?
Retail loans are customized financial products designed to meet the diverse personal needs of individuals, such as purchasing a home, funding higher education, buying a vehicle, or managing medical emergencies. These loans offer flexible repayment terms, quick disbursal, competitive interest rates, and require minimal documentation, making them highly accessible. Whether you’re salaried or self-employed, retail loans provide a simple, convenient, and stress-free borrowing experience to help you achieve your life goals without financial strain
Benefits of Retail Loans
- Easy Accessibility: Retail loans are widely available through banks, NBFCs, and online platforms, making them easily accessible for salaried and self-employed individuals.
- Flexible Repayment Options: Borrowers can choose convenient repayment tenures ranging from a few months to several years, depending on the loan type and amount.
- Minimal Documentation: Most retail loans require only basic KYC, income proof, and a few supporting documents, ensuring a hassle-free process.
- Attractive Interest Rates: Retail loans often come with competitive interest rates, especially for borrowers with a good credit score.
Types of Retail Loans
Eligibility Criteria
- The applicant must be between 21 and 65 years of age, depending on the type of loan and the lender’s policy.
- The applicant should be either salaried or self-employed.
- The applicant must meet the lender’s minimum income requirement, which varies based on the loan type and financial institution. A regular and stable income is essential.
- A credit score of 730 or above is typically required. A higher credit score can improve chances of approval and secure lower interest rates.
- The applicant should have a minimum work experience of 6 months to 1 year if salaried, or 1 to 3 years of stable business operation if self-employed.
- The applicant must be a Resident Indian Citizen. Some banks also extend retail loans to Non-Resident Indians (NRIs) under specific schemes.
- A co-applicant or guarantor may be required for certain types of loans, such as home loans or education loans. Having a co-applicant can also increase loan eligibility.
Document Required
- Identity Proof (Aadhaar, PAN, Passport-size Photograph)
- Address Proof
- Income Proof (Salary Slips, ITR, Bank Statements)
- Business Proof (GST, Udyam, Deed, MOA)
- Employment Proof (for salaried individuals)
How to Apply
- Choose the loan type
- Fill out the application form
- Submit required documents
- Our Team will Contact
- Assist our Team
Check Eligibility
Why A2Z Wealth Solution?
Instant Loan Approvals
Pre-approved offers for select customers
Trusted by Thousands
Transparent processing & expert guidance
Fast Disbursal
Funds credited quickly post-approval
Customer Support
Dedicated team to assist at every step