First month
EMI free*
Cashback on your first month’s EMI
- All types of loans
- Lowest rates
- 40+ banks & lenders
Get the P2B app
*T&C apply
Car · 1st EMI
FREE*
Compare offers from 40+ banks and lenders, including
Find Your Loan With P2B
Tell us what you need and we'll help you explore available options.
4 Simple Steps
Any loan, any bank — First Month EMI FREE*, and rewards every month after that.
Step 01
Tell Us
Select your loan type and share basic details.
Loan type
CarHomePersonalGoldNameMobileContinueStep 02
Compare
Explore options from 40+ banks & lenders, including available rates and terms.
Your options
40+ lendersBest matchRate
Rate
Rate
Step 03
Choose & Get Your Benefit
Choose your preferred bank and complete the loan process.
1st Month EMI FREE*Bank selected
Your EMIs
Month 1Free*Month 2Month 3Step 04
Benefits After First Month
From the second month onwards, pay your eligible EMI and earn P2B Coins. Use your coins to claim eligible cashback and rewards for everyday needs.
P2B Coins
Month 2 EMI paid+ CoinsClaim rewards
CashbackShoppingBills
On every loan · From any bank
First Month EMI FREE*
Choose from 40+ banks & lenders — your first month's EMI is on us.
*T&C apply
We manage your credit life cycle
Top-Up Personal Loan
Before taking a new loan, check what you can unlock from your existing loan. Get more liquidity at a potentially lower interest rate—without starting your borrowing journey from scratch.
Existing loan
Active
Top-up unlocked
Available
RateSwitch
Discover potential refinancing and balance-transfer opportunities.
AI Liability Advisor
Get guidance on your loans, EMIs and next financial action.
Home Finance OS
Manage financing, balance transfer, top-up and protection.
Vehicle Financial OS
Manage vehicle financing, insurance, servicing, fuel and upgrades.
Debt Optimizer
Explore EMI, tenure, refinancing and prepayment opportunities.
Optimization scan
3 foundLiability Health
Understand your repayment and overall debt position.
Your debt position
TrackingActive loans
Monthly EMIs
Repayments
Happy customers
Ananya Mehta
Mumbai
Kia Carens • Loan of ₹9 LakhP2B made the entire car loan process really simple. The interest rate was great, and the team guided me throughout. Very smooth experience.
Rahul Kapoor
Bengaluru
Tata Harrier • Loan of ₹11 LakhGot my car loan approved quickly through P2B. The process was transparent, documentation was easy, and everything was explained clearly.
Neha Verma
Delhi
Verna • Loan of ₹6 LakhThe loan process with P2B was quick and hassle-free. From application to approval, everything was handled smoothly. Really happy with the experience.
Karan Malhotra
Gurgaon
Hyundai Creta • Loan of ₹10 LakhP2B made my car loan journey stress-free. The team was helpful, the process was easy to understand, and the approval was quick.
Frequently asked questions
You pay your first EMI to the lender as usual. Before your final loan approval, P2B will clearly show you the applicable cashback percentage and cashback amount, so you know your benefit before proceeding.
For example:
- First EMI: ₹20,000
- P2B Cashback: 80%
- Cashback: ₹16,000
Or:
- First EMI: ₹20,000
- P2B Cashback: 100%
- Cashback: ₹20,000
Once your eligible loan is successfully disbursed through the bank, P2B provides the applicable cashback to your bank account.
- We don’t hide the 1st EMI cashback in your processing charges — zero processing fee bumps.
- Get the exact same interest rates offline with banks — no markups.
- No insurance traps.
- No tenure extension.
- No double EMI next month: your second month EMI is just a normal, single EMI.
- No CIBIL impact.
All types of loans are eligible for the First Month EMI FREE* benefit — Car loan, Home loan, Commercial Vehicle loan, Personal loan, Gold loan, Business loan and Travel loan.
Tell us what loan you need and share your basic details. P2B helps you explore available options from 40+ banks and lenders, including applicable interest rates, loan amounts and terms.
Interest rates depend on your profile, loan type, credit history, income, lender policies and other factors. P2B helps you discover and compare available options; the final rate is determined by the selected lender.
From the second month onwards, pay your eligible EMI as usual. You can earn P2B Coins through eligible activities and use them to claim applicable cashback and rewards.
Yes. P2B helps you explore loan options from banks and lenders at their applicable interest rates. You get the same lender-determined rate you would be offered through the bank, while also getting the First Month EMI FREE* benefit and the convenience of completing the process from the comfort of your home.
P2B is a technology platform that helps customers discover and explore available loan options from banks and lenders. The selected lender is responsible for approving and disbursing the loan.
*T&C apply
First Month
EMI FREE*
Download P2B app today
*T&C apply
