The right loan,
from the right lender.
I help people across Gujarat get car, personal and home loans approved — comparing options across banks and NBFCs, and handling the paperwork so your application does not get rejected over a small mistake.
No fee to talk. Speak to me directly — not a call centre.
Loans I arrange
Used car finance is my speciality — it is the hardest to get right and where most people are quoted badly.
Used / Old Car Loan
Finance for pre-owned cars, including older vehicles most agents will not touch. I know which lenders approve them and at what valuation.
- Cars up to 10–12 years old considered
- Dealer and private (individual-to-individual) purchases
- Up to 80–90% of valuation, depending on lender
- Refinance on your existing car also possible
Documents needed
PAN & Aadhaar · Address proof · 3–6 months bank statement · Income proof / ITR · RC & insurance of the vehicle · Photographs
New Car Loan
Showroom finance compared across lenders, so you are not stuck with whatever the dealer desk offers you on the day.
- Up to 100% on-road funding with eligible profiles
- Rates compared before you sign at the showroom
- Quick sanction for salaried applicants
Documents needed
PAN & Aadhaar · Address proof · 3 months salary slips · 6 months bank statement · Proforma invoice from dealer
Personal Loan
Unsecured funding for a wedding, medical need, education or consolidating costlier debt. No collateral required.
- No security or guarantor needed
- Salaried and self-employed both considered
- Honest answer upfront on your eligibility
Documents needed
PAN & Aadhaar · Address proof · 3 months salary slips or ITR · 6 months bank statement
Home Loan
Purchase, construction, plot or balance transfer. Long tenures and the lowest rates of any loan type — worth comparing carefully.
- Purchase, construction, renovation or plot
- Balance transfer to reduce your existing EMI
- Joint applications to improve eligibility
- Guidance on PMAY subsidy eligibility where applicable
Documents needed
PAN & Aadhaar · Address proof · Income proof / ITR (2–3 years) · 6 months bank statement · Property documents · Own contribution proof
EMI calculator
Move the sliders to see what a loan would cost you every month, before you apply.
Indicative only. Your actual EMI depends on the lender, your credit profile and processing charges. Rates shown are not an offer.
Four steps, and I handle most of them
Tell her what you need
A quick call or WhatsApp message. Loan type, rough amount, and your situation — that is all it takes to start.
She checks your options
Using her contacts across banks and NBFCs, she finds which lenders are realistic for your profile and what each would offer.
Paperwork sorted properly
She tells you exactly which documents are needed and helps prepare the file so it does not get rejected on a technicality.
Followed up till disbursal
She stays on it with the lender until the money is in your account — you are not left chasing a call centre.
Four years, and a phone full of the right numbers.
I am Sonu Solanki, a loan consultant based in Gujarat. For over four years I have worked with banks and private finance companies to get loans approved for people who were told no elsewhere, or quoted a rate far worse than they deserved.
Most of my work is used car finance, which most agents avoid because it is fiddly. I know which lenders actually approve older vehicles, what valuation they will accept, and how to present a file so it clears the first time.
Every client deals with me directly, start to finish.
Why people come to me
- Options compared across multiple lenders, not just one bank
- Honest answer upfront on whether you will qualify
- Old and used cars handled, not just new vehicles
- Paperwork checked before submission, so fewer rejections
- Followed up with the lender until disbursal
- No charge for the initial consultation
What people say
“Two banks rejected my old car loan. She knew exactly which finance company would take a 2014 model and got it done in a week.”
“The showroom quoted me one rate. She got me almost 1.5% lower with a different bank. That is real money over five years.”
“She told me honestly that I would not qualify yet, and what to fix. Six months later it went through. No one else was that straight with me.”
“Home loan paperwork was going in circles for two months. She sorted it out with the bank directly and it was disbursed in three weeks.”
“Answers on WhatsApp even late at night. For someone running a shop, that matters a lot.”
“No fee, no pressure. She explained everything in Gujarati and made it simple for my father to understand too.”
Tell me what you need
Fill this in and I will call you back, usually the same day. Or message me on WhatsApp if you would rather talk right now.
Message on WhatsAppPrefer to call? +91 87581 69375
Frequently asked
Do you charge anything for your help?
The first conversation and my guidance on your options is free. If you decide to go ahead, I will tell you clearly at that point what — if anything — you pay and when. You will never be charged something you were not told about upfront.
Can you get a loan on an old car?
Yes — this is most of my work. Many lenders will not fund vehicles beyond a certain age, but some will, and the terms vary a lot. I know which ones to approach and what valuation they will accept, including private sales between individuals.
My CIBIL score is low. Is it still possible?
Sometimes, depending on how low and why. Some NBFCs consider profiles that banks will not. I will look at your case and tell you honestly whether it is possible now, or what to fix first — I will not waste your time with applications that will be rejected.
Which areas do you cover?
All of Gujarat. Most of the process happens over phone, WhatsApp and email, so distance is rarely a problem. For anything needing an in-person visit, I arrange it with the lender.
How long does approval take?
A personal or car loan can be sanctioned within a few days if documents are ready. Home loans usually take two to four weeks because of property and legal verification. I give you a realistic timeline at the start, not an optimistic one.
Are the interest rates on this site guaranteed?
No. They are indicative starting rates that change often and depend on the lender, your credit profile, income and the loan amount. I will tell you the actual rate you qualify for once I check your case.
What documents should I keep ready?
Broadly: PAN, Aadhaar, address proof, income proof and recent bank statements — plus vehicle or property documents where relevant. Each loan card on this page lists what that specific loan needs. Please do not send documents through the website form; share them with me directly once we have spoken.