Personal Loan
Flexible EMIs for salaried employees and self-employed shop or business owners.
EMI-based · Guarantor required
Learn more — Personal LoanSujanpur · Pathankot district
Honest loans, decided right here.
Personal, two & three-wheeler, gold and daily-repayment loans — funded from our own capital and explained in full before you sign.
Mon–Sat · 9:30 AM – 8:00 PM
Saini Finance Co.
Near BDO Office, Phoolpiara Road, Thandikhui, Sujanpur 145023
- Walk in — no appointment needed
- Bring Aadhaar and PAN to get started
- Or message us first on WhatsApp
- Our own capitalDecisions are made here, not sent to a head office.
- Every charge explainedBefore you sign — never discovered afterwards.
- Funds in 24–48 hoursTypically, once documents are verified and approved.
- Walk in, no appointmentNear BDO Office, Thandikhui, Sujanpur.
Loans
Four loans. Each one clearly explained.
Every product is funded from our own capital — which is what lets us move at the speed your need actually requires.
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2 & 3-Wheeler Loan
Two- and three-wheelers, new or pre-owned. The vehicle itself is the collateral.
Collateral-based · No guarantor
Learn more — 2 & 3-Wheeler Loan -
Gold Loan
Cash against your gold, valued in front of you and stored securely.
Collateral-based · No guarantor
Learn more — Gold Loan -
Daily Repayment Loan
Small working-capital loans for shopkeepers, repaid in manageable daily amounts.
Small amounts · Guarantor required
Learn more — Daily Repayment Loan
How it works
From first message to funds, in four steps.
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Enquire
Message us on WhatsApp or walk into the office near BDO Thandikhui.
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Share documents
We tell you exactly what your loan needs — nothing more.
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Verify and agree
A short call or visit, then every clause and charge explained before you sign.
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Receive funds
Typically within 24–48 hours of approval. Gold loans are often same-day.
Why Saini Finance
Lending that’s explained, not sold.
We lend our own capital, so decisions are made quickly — and you always get a straight answer on eligibility, even when it’s no.
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Every charge, explained first
The file charge, repayment schedule and every other cost — before you sign.
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Terms in writing
Your loan terms and an acknowledgment receipt, on paper. No verbal-only promises.
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Respectful follow-up
Polite, on-schedule reminders. No harassment-style recovery, ever.
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Local and accountable
A Sujanpur firm run by people you can meet, visit and hold accountable.
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Your data kept private
Your documents and details are kept private and secure.
Before you apply
What you’ll need.
Every application needs Aadhaar and PAN. Here is what else each loan asks for.
| Loan | Guarantor | Collateral | Also bring |
|---|---|---|---|
| Personal | Required | Not needed | Income proof, bank statement, photo |
| 2 & 3-Wheeler | Not needed | The vehicle | Income proof, vehicle quotation or RC, address proof, photo |
| Gold | Not needed | Your gold | The gold items to be pledged, photo |
| Daily Repayment | Required | Not needed | Proof of shop or business, address proof, photo |
Exact terms and charges are confirmed with you in person, before you sign anything.
Tell us what you need. We’ll tell you honestly what’s possible.
No obligation. We reply personally — usually within the hour during working hours.
Visit or message