Secure Loan – Unlock Value from Your Assets

Get a loan by pledging your existing assets like property, gold, or securities. LightPaisa offers quick, safe, and transparent loan solutions with low interest and flexible tenure.

Apply for a Secure Loan

What is a Secure Loan?

A Secure Loan allows you to borrow money by offering an asset (such as property, gold, or fixed deposits) as security. Since the loan is backed by a tangible asset, you enjoy lower interest rates, higher loan amounts, and longer repayment tenure — making it a perfect option for business expansion, home renovation, or personal needs.

Key Benefits of LightPaisa Secure Loan

🔒 Lower Interest Rates

Backed by your asset, enjoy the lowest interest rates in the market.

💰 Higher Loan Amount

Borrow up to 80% of your asset’s value for big financial goals.

📆 Flexible Repayment

Choose a tenure up to 15 years as per your financial comfort.

⚡ Quick Processing

Minimal documentation and fast disbursal — get funds in just 48 hours.

Eligibility & Documents

Eligibility Criteria

  • Indian resident aged 21–65 years
  • Ownership proof of pledged asset (Property/Gold/Securities)
  • Regular income source to repay the loan
  • Clean credit history (CIBIL 650+ preferred)

Documents Required

  • Identity Proof: PAN, Aadhaar, Passport
  • Address Proof: Utility Bill or Rent Agreement
  • Income Proof: ITR / Salary Slip / Bank Statement
  • Asset Proof: Property Documents / FD Receipts / Gold Valuation

    🔒 Secure Loan Inquiry

    Simple & Transparent Loan Process

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    1. Apply Online

    Submit your loan request through our simple online form.

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    2. Verify Documents

    Upload your KYC and asset proof for quick verification.

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    3. Get Approval

    Receive approval and loan offer within 24–48 hours.

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    4. Disbursal

    Funds are directly credited to your bank account instantly.

    Frequently Asked Questions

    Q1: What assets can be pledged for a Secure Loan?
    You can pledge property, gold, fixed deposits, or securities like shares or bonds.

    Q2: How much loan can I get?
    You can get up to 80% of the asset’s market value, depending on lender policy.

    Q3: Can I foreclose the loan early?
    Yes, LightPaisa allows early repayment with minimal foreclosure charges.

    Q4: Is CIBIL score mandatory?
    A good CIBIL score helps but even moderate scores can qualify with strong collateral.