AI-Powered · Live Bot · Free to Use

Know Your Loan
Eligibility Score
Instantly.

LoanIQ is an intelligent chatbot that evaluates your loan approval probability using a multi-factor weighted scoring model — inspired by real ML loan prediction research.

Check My Eligibility → See How It Works
8 Scoring Factors
100% Free to Use
<2min To Get Result
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LoanIQ Assistant
Online now
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👋 Welcome to LoanIQ! I'll check your loan eligibility in a few steps. Shall we begin?
Yes, let's start!
🏦
Great! Step 1 of 10 — How old are you? (e.g. 28)
28
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Eligibility Result
78%
Eligibility Score
✓ Good Approval Chances
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// Process

How LoanIQ Works

A structured 10-step conversation that gathers your financial profile and runs it through our scoring engine in real time.

01
🗓️
Personal Details
Age and number of dependents help determine loan tenure eligibility and risk profile.
02
💰
Income Assessment
Applicant and co-applicant income are combined to calculate your total repayment capacity.
03
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Employment Type
Government, private, self-employed, or freelancer — employment stability directly affects the score.
04
📊
Credit Score
The single most weighted factor at 30%. Scores from 300–900 are evaluated against lending benchmarks.
05
🏠
Loan Details
Loan amount, purpose (home/education/vehicle/business), and property area complete the profile.
06
⚡
Instant Result
The webhook engine calculates your DTI ratio, EMI estimate, eligibility score, and verdict instantly.
// Scoring Engine

What Drives Your Score

Eight weighted factors modelled after real-world bank lending criteria and ML loan prediction research.

📊
Credit Score
CIBIL / credit history
30%
⚖️
Debt-to-Income Ratio
Total EMI vs monthly income
25%
💵
Income vs Loan Amount
Loan-to-income multiple
20%
💼
Employment Stability
Job type and income security
10%
🎯
Age + Purpose + Area
Loan purpose risk, demographics
15%
// Verdict Thresholds

Score → Decision

How each score range translates to a lending verdict.

80–100%
Strong Approval Likely
65–79%
Good Approval Chances
50–64%
Conditional Eligibility
35–49%
Low Approval Probability
0–34%
High Rejection Risk
EMI Formula Used EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ - 1)
Default: 9% annual rate · 20 year tenure
// Capabilities

Built for Real Insights

Not just a score — LoanIQ explains why and tells you how to improve.

🧠
ML-Inspired Scoring Model
Built on the same principles as the Loan Approval Prediction ML project — a weighted multi-factor model that mirrors how banks evaluate applicants. Factors like DTI ratio, credit score tiers, and income-to-loan multiples are benchmarked against real lending data. The bot doesn't just give you a number — it surfaces the exact factors dragging your score down.
⚠️
Risk Warnings
Flags specific concerns like high debt ratio, low credit score, or loan amount exceeding income limits — with targeted improvement tips.
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Live EMI Calculator
Calculates your estimated monthly EMI and debt-to-income ratio in real time using the standard amortisation formula.
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Re-check Anytime
Type "Check Again" to restart with different values — useful for exploring how improving your credit score or reducing loan amount changes your result.
🌐
Conversational Interface
Powered by Google Dialogflow ES with quick-reply buttons, context-aware prompts, and graceful fallbacks for invalid inputs.
// Tech Stack

Built With

Google Dialogflow ES
Node.js + Express
Render (Webhook Host)
UptimeRobot (Always-On)
Weighted Scoring Engine
ML Loan Prediction Research
// Live Demo

Ready to Check Your Eligibility?

Answer 10 quick questions and get your loan eligibility score instantly — free, no sign-up needed.

// SAMPLE RESULT
👋 Hi! I'll check your loan eligibility in 10 steps. Ready to begin?
Yes, let's go!
ELIGIBILITY RESULT
78%
✓ Good Approval Chances
EMI: ₹22K · DTI: 31.4%
8
Scoring Factors
<2min
Instant Result
Free
No Sign-up
🚀 Launch Bot →

⚠️ Disclaimer: LoanIQ is an educational tool. Results are estimates and do not constitute financial advice.