Find the Right Loan for You
Select any loan type to view full details, eligibility, advantages, documents & process.
Personal Loan
Unsecured loan without any collateral. Use it for medical emergencies, weddings, travel, home renovation or any personal need.
Advantages
- No collateral required
- Any purpose use
- Quick disbursal 24-72 hrs
- Flexible repayment
- Salaried & self-employed both
Things to Know
- Higher interest than secured loans
- Good CIBIL score needed
- Prepayment charges may apply
- Short tenure = higher EMI
Documents Required
Submit Enquiry
Share basic details with our team
Document Collection
We collect required documents
Bank Processing
We submit to best-suited bank/NBFC
Approval & Disbursal
Amount credited to your account
Ready to Apply for Personal Loan?
Our experts get you the best deal from top banks & NBFCs
Apply Now — FreeBusiness Loan
For entrepreneurs, shop owners, traders and manufacturers to expand operations, purchase equipment or manage working capital.
Advantages
- High loan amounts available
- No collateral for small amounts
- Expand business quickly
- Tax benefit on interest
- Multiple banks/NBFCs available
Things to Know
- Business vintage required
- GST registration may be needed
- CIBIL score impacts rate
- Higher processing fee possible
Documents Required
Enquiry Submission
Share business details & requirement
Document Verification
Our team reviews your documents
Bank Submission
We submit to best-suited lender
Sanction & Disbursal
Loan credited to business account
Home Loan
Finance your dream home with competitive interest rates. Available for purchase, construction, and renovation of residential properties.
Advantages
- Lowest interest rates available
- Long repayment tenure (30 yrs)
- Tax deduction on EMI (Sec 80C)
- Property value appreciation
- Balance transfer option
Things to Know
- Property must be legally clear
- Long approval process
- Collateral (property) required
- Prepayment penalty possible
Documents Required
Property Selection
Finalize property & share details with us
Document Submission
Submit KYC & property documents
Valuation & Approval
Bank conducts property valuation
Loan Disbursal
Amount disbursed directly to seller
Buy Your Dream Home Today
Best home loan rates from 30+ banks — we compare & get you the best
Apply Now — FreeLoan Against Property (LAP)
Unlock the value of your property without selling it. Get a large loan amount by mortgaging your residential or commercial property.
Advantages
- High loan amount possible
- Lower interest than personal loan
- Long repayment tenure
- Keep using your property
- Any purpose use allowed
Things to Know
- Property must be legally clear
- Longer processing time
- Risk of property loss on default
- Lower LTV for old properties
Documents Required
Enquiry & Eligibility
Share property & income details
Property Valuation
Bank sends team for valuation
Legal Verification
Legal team checks property documents
Loan Sanction
Funds disbursed to your account
Car Loan (New & Used)
Finance your new or pre-owned car with easy EMIs and quick approval. Get up to 100% on-road funding for new vehicles.
Advantages
- 100% on-road funding for new cars
- Fast approval in 2-3 days
- All car models covered
- Flexible EMI options
- Doorstep service available
Things to Know
- Car is hypothecated to bank
- Insurance mandatory
- Higher rate for used cars
- Down payment required
Documents Required
Select Car & Apply
Choose your car & submit enquiry
Document Verification
Quick KYC & income verification
Bank Approval
Approval typically in 24-48 hrs
Delivery & RC Transfer
Car delivered, RC in your name
Drive Home Your Dream Car
Best car loan deals from top banks — lowest EMI guaranteed
Apply Now — FreeTwo Wheeler Loan
Own your dream bike or scooter with easy financing. Low down payment, fast approval and flexible repayment options.
Advantages
- Minimal down payment
- Same-day approval possible
- All brands & models
- Low monthly EMI
Things to Know
- Vehicle hypothecated to bank
- Insurance mandatory
- Shorter tenure
Documents Required
Gold Loan
Instant cash against your gold jewellery or ornaments. Lowest interest rate, instant disbursal — no income proof needed.
Advantages
- Instant disbursal — same day
- No income proof required
- No CIBIL score check
- Lowest interest rate
- Gold kept safely by bank
Things to Know
- Only hallmark gold accepted
- Loan amount depends on purity
- Risk of gold auction on default
Documents Required
Get Instant Cash Against Gold
Same-day disbursal — bring your gold, get instant cash
Apply Now — FreeEducation Loan
Finance your higher education in India or abroad. Cover tuition, hostel, books and other education-related expenses.
Advantages
- Repayment after course completion
- Tax deduction under Sec 80E
- Covers all expenses
- India & abroad courses
Things to Know
- Admission letter required
- Co-applicant income considered
- Collateral for high amounts
Documents Required
Fund Your Education Dreams
Study in India or abroad — we handle the entire loan process
Apply Now — FreeMicro / Instant Loan
Small ticket instant loans for urgent cash needs. Quick disbursals with minimal documentation for small businesses and individuals.
Advantages
- Instant disbursement
- Minimal paperwork
- Flexible CIBIL criteria
- Any urgent need covered
Things to Know
- Higher interest rates
- Short repayment period
- Low loan amounts
Documents Required
Tractor Loan
Empowering farmers with affordable tractor financing. New and used tractors covered with minimal down payment and long tenure.
Advantages
- High funding up to 90%
- All tractor brands covered
- Long repayment tenure
- Seasonal repayment option
Things to Know
- Land ownership may be needed
- Tractor hypothecated to bank
- Insurance mandatory
Documents Required
Finance Your Tractor with Vyoma
Empowering farmers with affordable, fast tractor loans
Apply Now — FreeGovernment Yojna Loans
Access government-backed loan schemes with subsidized interest rates. Vyoma helps you navigate the entire application and approval process.
Advantages
- Govt-backed low interest rates
- Subsidy available on many schemes
- No collateral for small amounts
- Encourages self-employment
- Easy repayment conditions
Things to Know
- Specific eligibility criteria
- Longer approval process
- Business plan may be required
- Category-specific benefits
Documents Required
Apply for Govt Scheme Loans
We handle everything — documentation, application, follow-up. You just apply!
Apply Now — FreeLoan Eligibility Overview
| Loan Type | Max Amount | Max Tenure | Min CIBIL | Collateral | Eligibility |
|---|---|---|---|---|---|
| Personal Loan | ₹40 Lakhs | 60 Months | 700+ | Not Required | Easy |
| Business Loan | ₹2 Crore | 84 Months | 650+ | Optional | Medium |
| Home Loan | ₹10 Crore | 30 Years | 700+ | Property | Medium |
| Loan Against Property | 70% of Value | 20 Years | 650+ | Property | Medium |
| Car Loan | 100% On-Road | 84 Months | 680+ | Vehicle | Easy |
| Gold Loan | 75% of Gold | 36 Months | Not Req. | Gold | Easy |
| Education Loan | ₹50 Lakhs+ | 15 Years | 680+ | Optional | Medium |
| Micro/Instant Loan | ₹5 Lakhs | 24 Months | 550+ | Not Req. | Easy |
| Govt Yojna Loan | ₹1 Crore | 7 Years | Not Req. | Not Req. | Medium |
Popular Govt Loan Schemes
MUDRA Loan
For small business owners and entrepreneurs. Available in Shishu (up to ₹50K), Kishore (up to ₹5L) and Tarun (up to ₹10L) categories.
Apply NowPMEGP Scheme
Prime Minister's Employment Generation Programme. Subsidy of 15-35% on project cost for new businesses in manufacturing and service sectors.
Apply NowPM SVANidhi
Micro credit for street vendors to restart livelihoods. Start with ₹10,000 and scale up to ₹50,000 with timely repayment.
Apply NowStand Up India
Bank loans for SC/ST and women entrepreneurs to set up greenfield enterprises in manufacturing, services or trading sector.
Apply NowKisan Credit Card
Short-term credit for farmers to meet agricultural input requirements and allied activities with simple documentation and quick processing.
Apply NowMSME Loan Scheme
Dedicated credit facility for Micro, Small and Medium Enterprises under CGTMSE with collateral-free loans and government guarantee.
Apply NowWhy Choose Vyoma for Your Loan
Fast Approval
Loan approvals in shortest possible time — some loans same day
30+ Banks
We compare rates across 30+ banks and NBFCs — you get the best
100% Transparent
Zero hidden charges — all fees communicated clearly upfront
Dedicated Support
Personal advisor on call & WhatsApp at every single step
Minimal Documents
Simplified documentation with complete step-by-step guidance
Govt Scheme Expert
We specialize in MUDRA, PMEGP, SVANidhi and all govt schemes
10+ Years Experience
Decade of expertise in loan processing across all loan types
5000+ Happy Clients
Trusted by thousands across Hyderabad — results speak for us
Ready to Get Your Loan Approved?
Apply in 2 minutes — our experts do the rest. Free consultation, minimal documents, fast disbursal from 30+ bank partners.