Borrow only what you need, when you need it. Pay interest only on the amount you actually draw — not the full limit. SeclineLoan is a digital Line of Credit designed for the way modern India lives, earns, and plans ahead.
Set up once. Use forever. The entire process lives on your phone.
Short digital form, no branch visits
India Stack, fully paperless KYC
Revolving credit up to ₹1,00,000
Tap to use, repay at your pace
A Line of Credit behaves differently from a traditional personal loan. Understanding that difference is the first step to smarter borrowing.
Only the amount you actually use is charged — not the full sanctioned limit. Idle funds cost nothing.
Every repayment restores your available balance. No re-application, no fresh paperwork.
Pay the minimum, pay more, or pay it all — whenever suits you. No fixed EMIs tying you down.
We show you the numbers clearly — before you apply, before you draw, before you repay.
Every rupee we charge is disclosed upfront.
Real feedback from people who switched from personal loans to a smarter Line of Credit.
"My father needed emergency surgery and I didn't have savings ready. SeclineLoan let me draw ₹50,000 in under two minutes. The best part — I only paid interest on that ₹50k, not the full ₹2L limit."
"As a small business owner, my cash flow is irregular. Earlier I used to take a new personal loan every few months. Now I just tap and draw what I need — and it refreshes after each repayment. Game changer."
"Every semester my daughter's hostel fees come as a surprise. With SeclineLoan I draw in parts — first the tuition, then the hostel — and pay interest only on what I've actually used. So much smarter than one big lump sum."
A personal loan gives you one lump sum that you repay with interest on the entire amount over a fixed EMI tenure. With SeclineLoan you get a credit limit — you draw only what you need, pay interest only on the drawn amount, and the limit refreshes as you repay.
No. Interest is charged only on the actual amount you draw from your credit limit, not on the entire sanctioned amount. Any part of the limit that remains unused costs you nothing.
Interest rates range from 16% to 30% per annum depending on your profile. The one-time processing fee can go up to ₹999. There are no hidden charges and no prepayment penalty.
Absolutely. We use bank-grade encryption for all your data and follow RBI guidelines for data security. Your information is never shared without your consent.
Most users complete the application and get a decision within minutes. Once approved, you can draw funds instantly from the SeclineLoan app.