Personal Loans
- Salaried & self-employed profiles
- Instant in-principle approvals
- Flexible tenure up to 60 months
Delhi NCR & Pan-India
Fast & Hassle-Free Personal & Business Loan Approvals
Expert financial guidance by Sanjay Sagar with 100% transparency and quick bank disbursal support across NCR & Pan-India.
- Zero Upfront Fees
- Minimum Documentation
- Direct Bank Tie-ups
- 500+
- Loan files successfully processed
- 24 Hrs
- Typical eligibility response time
- 15+
- Bank & NBFC lending partners
- 100%
- Transparent, no hidden charges
About the Founder
Sanjay Sagar — Professional Personal Loan Expert & Founder of SMS Finance
With years of hands-on experience in retail and business lending, Sanjay Sagar has helped hundreds of salaried professionals, shop owners and MSME entrepreneurs secure the right loan at the right rate. Every file is personally reviewed, every charge is disclosed upfront, and every applicant gets a clear, honest answer — even when the answer is “wait and fix this first”.
Loan Eligibility Assessment
Accurate profile evaluation before applying, so your file is never rejected unnecessarily.
CIBIL Score Recovery Advice
Practical, step-by-step guidance to repair a low credit score and become loan-ready.
Doorstep & Online Consultation
Documentation support at your home or office, or completely online — whichever suits you.
Key Services
Loan solutions matched to your profile, not a one-size-fits-all form
Business Loans
- Collateral-free funding
- Working capital support
- MSME growth loans
CIBIL & Credit Consultation
- Low score improvement plan
- Report error rectification
- Pre-application readiness check
Balance Transfer & Consolidation
- Lower your existing EMI
- Shift to a cheaper lender
- Merge multiple loans into one
Partner & Earning Program
Earn with SMS Finance — refer a loan or partner with us
Two simple ways to turn your network into income, with payouts released only after a file is successfully disbursed.
For customers only
Refer & Earn ₹1,000
Know someone who needs a loan? Refer them to us, and once their loan is 100% successfully disbursed, you get a ₹1,000 cash reward directly. For customers only.
- Open to existing and new customers
- Reward paid after 100% successful disbursal
- No limit on how many people you refer
Grow your income
Become Our Channel Partner
Want to grow your income? Join hands with SMS Finance as an official channel partner. Contact us directly to get attractive basic payouts, expert training, and complete file support.
- Attractive basic payout on every file
- Expert training on profiles & documents
- Complete file support till disbursal
How it works
A simple 3-step process from enquiry to disbursal
- Step 1
Free Consultation & Document Verification
Share your income profile on a call or WhatsApp. We verify KYC, salary or business proofs and confirm eligibility before anything is submitted.
- Step 2
Best Bank & Lowest ROI Comparison
Your file is compared across our bank and NBFC partners so you get the lowest interest rate and processing fee available for your profile.
- Step 3
Fast Approval & Fund Disbursal
Sanction is tracked end to end and the approved amount is disbursed directly into your bank account — with full clarity on EMI and tenure.
43+ Pan India Network
Our banking & financial partners
At SMS Finance, we partner with top-tier private financial institutions to get your personal and business loans approved seamlessly.
SMS Finance पर हम देश के चुनिंदा और सबसे भरोसेमंद प्राइवेट बैंकों व एनबीएफसी के साथ मिलकर आपके लोन को तेजी से पास कराते हैं।
- HDFC BankBank
- ICICI BankBank
- Kotak Mahindra BankBank
- Yes BankBank
- IndusInd BankBank
- IDFC First BankBank
- Bajaj FinanceNBFC
- Aditya Birla CapitalNBFC
- L&T FinanceNBFC
- InCred FinanceNBFC
- FinnableNBFC
- Poonawalla FincorpNBFC
- Piramal FinanceNBFC
We have 43+ Banks & NBFC codes available Pan India to serve you better!
हमारे पास पैन इंडिया स्तर पर 43+ कोड उपलब्ध हैं
Apply for your loan
Fill in the basics and Sanjay will personally review your eligibility. No upfront fees, no obligation.
Direct contact
- Sanjay SagarFounder & Loan Consultant
- SMS Finance / Loan SagarLoan consultancy firm
- +91 97165 61597
- contact@loansagar.com
- Gautam Buddha NagarServing Delhi NCR & Pan-India
Prefer to talk first? Send a WhatsApp message with your income and loan requirement — you will get an honest eligibility answer, not a sales pitch.
Chat on WhatsApp