Is LoanRepo safe? What it stores and what it doesn't
Short answer: LoanRepo is an independent home-loan education tool. It is not a lender, broker or financial adviser. It does not ask for your Aadhaar, PAN, bank account number, bank login or OTP. The free check runs in your browser and your loan figures are not sent to us. Figures are stored only if you sign in and choose to save a loan.
Official site: www.loanrepo.in (also loanrepo.in). Be careful with look-alike addresses, and never enter a bank password or OTP on any site that claims to be LoanRepo.
What LoanRepo is, and is not
- It shows what happened to a loan. It takes every RBI repo rate change since you borrowed and shows the effect on the EMI, tenure and interest, and the date your bank applies a change.
- It is not advice. It does not tell anyone what to do with their money and gives no view on whether to buy, prepay or switch.
- It is independent of lenders. It takes no commission, no lender pays to be placed, and it does not rank lenders.
- It is new. LoanRepo does not publish testimonials. You can test it with any numbers, and compare the result with your own loan statement.
What we hold, and only when
| What | When | Why |
|---|---|---|
| Nothing | You only use the free check, the buyer's check, the offer decoder or the spread check | They run in your browser. Your loan amount, dates and rates are not sent to us. We keep only an anonymous record that a calculation ran, with no identifier and no IP address. |
| Your email address | You sign in, for example to download the PDF | Used for the sign-in link, for delivering what you bought and, only if you tick the box, an email on RBI decision days. |
| Loan particulars (amount, dates, rate, benchmark, and the lender if you choose one) | Only when you press Save to my workspace, or buy a tracking period and press Track this loan | So a report can be reopened and a tracked loan followed across resets. The lender is used only to show when it usually resets your rate. We do not share it with any lender. |
| Check-in readings you type in | Only for a loan you chose to track | To compare your statement against the model over time. |
| Purchase record (amount and payment reference) | When you buy something | Proof of purchase, delivery, refunds and the tax records we must keep. We hold no card details at any point. |
| Sharing with a partner | Only if you accept a partner's invitation | The partner sees your tracked loan's figures. They cannot change anything. You can stop sharing at any time in My Loans. |
Who else is involved
Three processors, each doing one job: Supabase stores accounts and saved loans, Razorpay handles payment, and Resend sends email. We share nothing with anyone else and do not sell or rent data. There is one cookie, to keep you signed in, and there are no advertising cookies or third-party analytics scripts. Sign-in is by emailed link, so there is no password to lose.
Deleting your data
Delete a saved report or tracked loan in My Loans and its particulars are removed with it. Decision-day emails carry an unsubscribe link. To ask for a copy of everything held about you, a correction, or deletion of the lot, write to hello@loanrepo.in; we act within thirty days. Anonymous usage records carry no identifier, so they cannot be traced back and removed. The full policy is on the Privacy page.
Questions
Is LoanRepo legitimate?
LoanRepo is an independent home-loan education tool at www.loanrepo.in. It is not a lender, broker or financial adviser, it takes no commission, and no lender pays to be placed or ranked. It shows what RBI rate changes did to a loan and leaves the decision to you.
Do I need to sign up to use LoanRepo?
No. The free loan check, the buyer's check, the offer decoder and the spread check give you a result without signing up. You sign in only to save a report, download the PDF, or track a loan.
Does LoanRepo store my loan details?
Not when you only use the free check: it runs in your browser and your loan amount, dates and rates are not sent to us. If you sign in and choose to save a report or track a loan, the loan particulars are kept in your private account so the report can be reopened and the loan followed across resets. You can delete them.
What does LoanRepo ask for?
An email address if you sign in (by an emailed link, so there is no password). It does not ask for Aadhaar, PAN, bank account numbers, bank logins or OTPs. Payments are taken by Razorpay; card and bank details go to them and never touch LoanRepo's systems.
How do I delete my data or stop the emails?
Delete a saved report or tracked loan in My Loans and its particulars go with it. Every decision-day email carries an unsubscribe link. For a copy of everything held about you, a correction or full deletion, write to hello@loanrepo.in and we act within thirty days.