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Know Your Loan Approval Odds — Free, Instant, AI-Powered

Arera AI is India's first consumer-first financial intelligence platform. Check your personal loan eligibility instantly using our AI-powered predictor. Get your approval odds, credit insights, and matched lenders — all without affecting your CIBIL score.

Check My Loan Eligibility →

Free Financial Tools

EMI Calculator

Calculate your exact monthly EMI for any loan amount, rate, and tenure.

Loan Eligibility Checker

Check your maximum personal loan amount based on your salary and credit profile.

Credit Score Simulator

See how actions like paying off a card or closing a loan will affect your CIBIL score.

DTI Calculator

Calculate your Debt-to-Income ratio to understand your loan eligibility.

Home Loan Affordability

Find out how much home loan you can afford based on your income.

Bank Statement Analyzer

Upload your bank statement for a deep AI analysis of your financial health.

Why Use Arera AI?

Applying for a loan without knowing your approval odds can lead to hard credit inquiries that lower your CIBIL score. Arera AI lets you check your eligibility risk-free using a soft analysis — so you only apply when you know you'll be approved.

Our platform is trusted by 2.1 lakh+ users across India and has helped facilitate over ₹380 crores in loan disbursals by matching borrowers with the right lenders at the right rates.