Previous Loan History
01See every prior loan across lenders — amounts, tenure and status.
Trusted by thousands of customers and providers across India
India's Smart Lending Intelligence Platform
Manage loans, verify borrowers, track payments, organize chit funds and make better lending decisions — all from one powerful app.
Know Risk Before
Verify prior defaults & active loans instantly.
Easy Borrowing
Add and approve customers in just two taps.
- 1L+
- Borrowers managed
- 98%
- Tracking accuracy
- 4.8★
- App rating
Loans approved
1,284
+18% this month
Collections
Trust Score 785
Low risk borrower
Trusted by thousands of lending businesses
Money LendersFinance CompaniesMicro FinanceLoan ConsultantsChit Fund ManagersFinancial AgentsBusiness OwnersLoan ProvidersMoney LendersFinance CompaniesMicro FinanceLoan ConsultantsChit Fund ManagersFinancial AgentsBusiness OwnersLoan Providers
The Problem
Lending without information is risky
Most lending businesses in India still run on memory and paper. That gap is exactly where fraud, defaults and lost profit live.
Borrowers hide previous loans
Multiple parallel loans stay invisible until the first default.
No centralized history
Every lender keeps a separate ledger. Nobody sees the full picture.
Payment defaults
Overdue EMIs are noticed weeks late, when recovery is hardest.
Manual paper records
Notebooks, WhatsApp photos and Excel sheets that never reconcile.
No trust verification
Decisions are based on references and gut feeling, not data.
No borrower insights
No repayment behaviour, no risk signals, no early warnings.
The Solution
Meet LoanApp — one platform.
Every loan. Every borrower.
The single source of truth for your lending business, from the first enquiry to the final receipt.
Loan Intelligence
Risk assessment and borrower evaluation.
Borrower Verification
Aadhaar & phone verification to eliminate fraud.
Payment Tracking
Real-time ledger tracking for all collections and receipts.
Chit Fund Management
Track chit groups, auction payouts, monthly collections and member dues.
Loan Analytics
Comprehensive yield, NPA, and portfolio health reporting.
Document Storage
Secure digital vault for agreements, KYC, and collaterals.
Credit History
Cross-lender borrowing checks and historical default records.
Business Insights
Growth metrics, cash flow forecasts, and agent performance.
Features
Everything a lending business needs
Eight modules that replace your notebooks, spreadsheets and guesswork.
Payment Behaviour
02On-time record, late payment history and default percentage at a glance.
Trust Score
03Borrower trust score, banded green, yellow and red.
Personal Loan Management
04Create, approve, track and close personal loans in a few taps.
Business Loan Management
05Manage business financing with structured limits and repayment plans.
Chit Fund Collection
06Track chit groups, monthly collections, due reminders and payout history.
Document Vault
07PAN, Aadhaar, agreements, photos, receipts and KYC stored securely.
Reports & Analytics
08Revenue, collections, overdue, recovery and monthly reports.
Works offline-first• Bank-grade encryption• Cloud backup on every entry
Borrower Intelligence
Verify any borrower in seconds
Enter an Aadhaar or phone number and LoanApp returns a complete, verified lending profile.
Rohit Kumar
Verified+91 98765 43210 · Aadhaar •••• 5678 · Bengaluru
SalariedKYC completeEMI burden 28%
785Excellent
LoanApp Trust Score
Low risk. 92% on-time repayments across 4 lenders, zero written-off accounts.
Total loans
4
Active
2
Closed
2
Default rate
0%
Monthly EMI
₹7,254
Lenders
3
Payment behaviour timeline
- 2024 — Personal loan ₹1,50,000 — closed on time
- 2023 — Two-wheeler loan ₹95,000 — active, 0 delays
- 2022 — Personal loan ₹1,25,000 — closed, 1 late EMI
- 2021 — Gold loan ₹40,000 — closed on time
Chit Funds
Manage chit funds effortlessly
Run every group, auction and collection cycle without a single register.
Create Groups
Any value, any tenure, any member count.
Monthly Collection
Track who paid, who is pending, in real time.
Auction Winner
Record bids, dividends and payouts automatically.
Payment Tracking
Member-wise contribution ledger, always balanced.
Member Records
KYC, documents and history for every subscriber.
Notifications
Automatic reminders before every due date.
Reports
Group health, collections and payout statements.
How it Works
Live in four simple steps
No training, no migration project. Most lenders are fully running on day one.
Step 1
Register
Create your lending business profile in under two minutes.
Step 2
Add Borrowers
Import or verify borrowers with Aadhaar or phone lookup.
Step 3
Manage Loans
Disburse, schedule EMIs and collect with automatic reminders.
Step 4
Grow Your Business
Use analytics and trust scores to lend more, safer.
Benefits
What lenders gain with LoanApp
Measurable outcomes within the first collection cycle.
Increase Collection Efficiency
Reduce Fraud
Know Borrowers Better
Save Time
Digital Records
Improve Trust
Increase Profits
Less Manual Work
More Transparency
0+
Borrowers managed
0+
Loans processed
0%
Payment tracking accuracy
0/7
Cloud availability
Inside the app
Designed for real lending days
Fast, tap-friendly screens built for field collection and office review alike.
Analytics
Dashboard
Loan Details
Reports & EMI Tracking
Chit Funds
Testimonials
Lenders who stopped guessing
From single-branch money lenders to multi-city finance companies.
“Before LoanApp I had three notebooks and no idea who was already borrowing elsewhere. Now I check trust score before I disburse — my defaults fell by half.”
Rakesh Agarwal
Money Lender, Jaipur
“Our collection team works entirely inside LoanApp. Reminders go automatically and every receipt is digital. Month-end reporting takes minutes instead of days.”
Divya Menon
Director, Finance Company
“Eleven groups, 240 members, all auctions and payouts recorded cleanly. Members trust us more because they see their statement instantly.”
Suresh Patil
Chit Fund Owner, Pune
“Borrower verification with just a phone number is the feature I use ten times a day. It changed the way I qualify clients.”
Aman Verma
Loan Consultant, Lucknow
Why LoanApp
Traditional method vs LoanApp
The same business, run with information instead of instinct.
Traditional Method
LoanApp
Manual records in notebooks
Fully digital loan ledger
Paper files and photocopies
Secure cloud document vault
No borrower verification
Aadhaar & phone smart search
No reports at month end
Live reports and statements
No analytics or insights
Borrower intelligence & trust score
Data lost if a book is lost
Cloud based, backed up 24/7
FAQ
Questions lenders ask us
Everything you need to know before you switch from paper.
Start lending with complete information
Download LoanApp free and bring your entire lending business into one source of truth.
Free to start · No card required · Setup support included
Contact
Talk to a lending specialist
Tell us about your business and we will show you exactly how Hand Credit fits your workflow.
+91 99634 34475
Nagoor
info@handcredit.in
We reply within one business day
Hyderabad, Telangana
Madhapur