Who Are We?
Trusted Legacy | Expert Team | Tailored Solutions
Our Beginnings
S&P Associates is a fast-growing financial technology company that makes it easy for people to get loans online without any hassle. Using technology and innovation, we help both salaried and self-employed individuals improve their financial stability. In just four years, we have become a trusted financial services provider, offering various loan options, including personal loans, small business loans, home loans, mortgage loans, and commercial vehicle loans.
At S&P Associates, we provide a wide range of services to help you manage your bill payments. Our offerings include Recharges, Utilities & Bills, and Financial Services. By partnering with trusted third-party platforms, we ensure that all transactions are fast, secure, and hassle-free. We strive to simplify your financial tasks by leveraging these trusted platforms, ensuring fast, secure, and efficient services.
Our Vision
Our vision is to be the most trusted financial services provider, ensuring easy accessibility for everyone and delivering instant satisfaction through a simple and seamless process.
Our Mission
S&P Associates is dedicated to improving lives by providing convenient and reliable financial solutions. We offer both secured and unsecured loans to cater to a wide range of financial needs.
Our Value
Our values are centered around earning and maintaining the trust of our customers. We are committed to upholding this trust by consistently acting with integrity, transparency, and accountability.
+ Happy
Customers
+ Partner
Banks
+ Years of
Experience
+
Successful
Disbursal
Our Services
Provide Financial Solutions That Match Your Needs and Help You Build a Better Future
Personal Loan
Meet your immediate financial needs with a personal loan. We provide flexible solutions to help you achieve your goals quickly and easily.
Business Loan
To reach your business milestones, certain financial needs must be met. Our business loans offer the right support to help you grow and succeed.
Home Loan
Owning your own home is now within reach. We are here to support you every step of the way, offering expert guidance and personalized service to make your dream a reality.
Mortgage Loan
Fulfill your dreams with a mortgage loan, whether for residential, commercial, or industrial property. Your property is an appreciating asset, and we are here to help you make the most of it.
Loan Against Vehicles
Unlock the value of your vehicle with our tailored loan solutions, providing you with the financial flexibility you need.
Why People Choose Us?
We Make Financing Easier, Simpler, and Faster
Quick & Easy
We understand that time is valuable when securing a loan. Our efficient online platform streamlines the entire application process, making it quick and hassle-free with just a few simple steps.
Compare Banks
We partner with a wide range of top-rated banks, offering flexible solutions to meet your financial needs. Our platform makes it easy to compare loan options and find the best fit for you.
Convertional Rates
Compared to other banks, our partner institutions offer more competitive and affordable interest rates. We are committed to providing the best loan solutions to help you overcome your financial challenges.
Finance Consultation
Our expert financial consultants are here to guide you through every step, offering personalized advice to help you make the best loan decisions with confidence. We are the backbone of your financial solutions.
Pan India Service
We proudly serve customers across India, whether you're in a metro city or a small town. No matter where you are, we’re committed to delivering reliable and efficient loan solutions.
No Hidden Charges
We believe in complete transparency. The amount you see is the amount you receive in your account—no hidden fees, no surprises. Trust us for a straightforward and reliable loan experience.
24 × 7 Customer Support
We Are Here to Resolve All Your Queries
Customer Testimonials
What People Say About Us
“ Thank you S&P Associates for your help in processing my personal loan. Excellent processing of get quick loan. And Team staff is very good and quick response. About this surely I will tell my friends further planning. Again thank you so much S&P Associates ”
Durai
“ The service at S&P Associates was prompt and efficient. Their range of EMI solutions helped me choose the perfect home loan, making the entire process smooth and stress-free. ”
Arsath
“ I’ve been using the services of S&P Associates for my mobile recharge. The process is incredibly simple and efficient. I can easily recharge my mobile without any hassle. The transactions are fast and secure. ”
Kaviya
EMI Calculator
Use Our Friendly Loan Calculator to Get an Estimate of the Loan Amount and Your Monthly EMI. This Is the First Step to Gaining Clarity on Your Loan Application
Loan Amount (₹)
Interest Rate (%)
Tenure (Months)
Loan EMI
Total Interest
Total Amount
Our Partner Banks
Partnering with Possibilities, Empowering Growth
Bill Payments
Facilitating Easy Bill Payments Through Trusted Platforms
Frequently Asked Questions
Frequently Asked Questions About Our Services
What is the maximum loan amount you can get for a personal loan ?
S&P Associates helps you secure loans of up to ₹50,00,000.
What is the maximum loan amount available for a business loan ?
S&P Associates helps you secure business loans of up to ₹50 crore.
What is an EMI ?
EMI (Equated Monthly Instalment) is the fixed payment the borrower makes to the lender. EMIs pay back the principal and interest for each month, and the loan is fully repaid within a specified number of months or years.
What are the minimum and maximum ages to apply for a personal loan ?
The applicant should be a minimum of 21 years and not beyond 60 years of age at the time of loan closure.
What is a credit score ?
A credit score is a 3-digit number (between 300 to 900) calculated by the credit bureau using the credit history of the individual. Banks and NBFCs (Non-Banking Financial Companies) have to share the credit history of their customers with all four credit Bureaus. The credit history of an individual consists of credit amounts, lender names, Loan and credit card limits, Loan EMI and credit card bill payment records, any default on a credit card account, personal details, etc.
What can I use a Loan Against Property for ?
A Loan Against Property (LAP) allows you to borrow money by pledging your property as collateral. You can use the loan amount for various purposes, including business expansion, debt consolidation, home renovation, education expenses, medical bills, wedding expenses, travel, and other personal or business needs. The specific usage of the loan amount can vary depending on the lender and the terms of the loan agreement.
What is a home loan ?
A home loan is a loan used to buy a home. It is repaid over 15 to 30 years and is secured by the property being purchased. If the borrower fails to repay, the lender can take possession of the property.
What documentation is required for salaried professionals applying for a home loan ?
Salaried professionals applying for a home loan need to provide proof of identity, address, and income, along with employment proof, Professional certificate income tax returns, property documents, bank statements.
What is a postpaid bill payment ?
A postpaid bill payment involves paying bills to the telecom service provider for the services availed over a specific time period.
Contact Us
Feel Free to Contact Us Anytime
11A, Railway Gate Back Side Somanur, Coimbatore - 641668