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Terms of Service

Last updated: 21 August 2026

These Terms of Service (“Terms”) govern your use of the Guest Loan website and any loan enquiry you submit through it. By using this website or submitting an enquiry, you agree to these Terms.

1. About us

This website is operated by [Legal entity name to be confirmed] (“Guest Loan”, “we”, “us”), having its registered office at Gurugram, India, with Corporate Identity Number [CIN to be confirmed].

Lending activities are carried out by [name of the RBI-registered NBFC or regulated lending partner, with Certificate of Registration number]. Guest Loan does not lend in its own name except through this regulated entity.

2. Eligibility to use this website

• You are at least 21 years of age and no more than 58 years at loan maturity
• You are a citizen or lawful resident of India
• You reside and work within the Delhi National Capital Region
• You are in salaried employment with a net take-home salary of at least ₹35,000+ per month credited to a bank account
• You are legally competent to contract under the Indian Contract Act, 1872

3. Nature of an enquiry

Submitting the enquiry form is an expression of interest only. It is not a loan application, and creates no obligation on us to offer you a loan or on you to accept one.

No loan is sanctioned until:

1. You have completed verification and submitted all required documents
2. Credit assessment has been completed satisfactorily
3. A written sanction letter has been issued to you
4. You have accepted the sanction letter and executed the loan agreement

4. Information you provide

You agree that all information you provide is true, accurate, current and complete, including your salary date. Providing false, misleading or forged information may result in rejection of your application, recall of a sanctioned loan, reporting to credit bureaus, and legal action.

5. Loan terms

• Loan amount: ₹10,000 to ₹1,20,000
• Tenure: 1 day to 90 days
• Repayment date: your next salary credit date, or a date agreed with you within the 90-day window
• Charges: accrue on a daily basis for the actual number of days the loan is outstanding, and are set out in rupee terms in your sanction letter
• Processing fee: a processing fee applies and is disclosed in your sanction letter before you sign
• Taxes: Goods and Services Tax applies on fees and service charges at the rate prescribed by law
• Total amount repayable: stated as a single rupee figure in your sanction letter, together with the exact due date
• Annual Percentage Rate: the APR, inclusive of all charges, is disclosed in your sanction letter and Key Fact Statement before you accept the loan

The complete and binding terms applicable to your loan will be set out in your sanction letter and loan agreement. In the event of any inconsistency between this website and your loan agreement, the loan agreement prevails.

6. Disbursal

Where your application is submitted before the daily cut-off, verification is completed and the loan is sanctioned, disbursal is made the same working day. Same-day disbursal is subject to cut-off timings, completion of verification, banking working days and holidays, and your bank's own processing. It is a service target, not a guarantee.

7. Repayment

Your repayment is scheduled to fall on your next salary credit date, so the amount is due when your salary reaches your account. The exact due date is set out in your sanction letter and loan agreement, and is typically collected through an electronic mandate registered against your salary account. You must maintain sufficient balance on the due date.

If a repayment is not made on the due date, the consequences that apply are set out in your loan agreement. Missed payments are reported to credit information companies and will adversely affect your credit score. If you anticipate difficulty, or if your salary date changes, contact our support team before the due date so we can discuss options with you.

8. Early settlement

You may settle your loan in full at any time before the due date with no early closure penalty. You are charged only for the number of days the loan was actually outstanding. Please contact customer support for a closure statement before making the payment.

9. Fraud prevention and data access

Guest Loan will never ask you for an advance fee, security deposit, OTP, PIN or password in order to process, approve or release a loan. We will never request access to your phone's contacts, call logs, photo gallery or files at any stage, including for recovery. This is prohibited under RBI's Digital Lending Guidelines. Report any such request to support@guestloan.com immediately.

10. Use of this website

• Do not submit enquiries on behalf of another person without their authority
• Do not use automated systems to access, scrape or overload the website
• Do not attempt to gain unauthorised access to any part of the website or its systems
• Do not introduce malicious code or interfere with the website's operation

11. Intellectual property

All content on this website, including text, design, layout, graphics and the Guest Loan name and logo, is owned by or licensed to us and protected by applicable intellectual property law.

12. Disclaimer and limitation of liability

This website and its content are provided on an “as is” basis. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special or consequential loss arising from your use of this website.

13. Indemnity

You agree to indemnify and hold us harmless against any claim, loss, damage or expense arising from your breach of these Terms or from any false or misleading information you provide.

14. Suspension and termination

We may suspend or discontinue access to this website, or decline to process any enquiry, at our discretion and without prior notice, including where we suspect fraud or misuse.

15. Governing law and jurisdiction

These Terms are governed by the laws of India. Subject to the loan agreement and any applicable arbitration provisions, the courts at New Delhi shall have exclusive jurisdiction.

16. Grievances

Please follow the process on our Grievance Redressal page. We acknowledge complaints within 48 hours and aim to resolve them within 30 days.

17. Changes to these Terms

We may amend these Terms at any time. Continued use of the website after an update constitutes acceptance of the amended Terms.

18. Contact