Loans from people you can sit across the table from.
V.K. Finance Co. is a local loan and finance company on Mittal Road, Moga, Punjab, India. Tell us what you need and our team will call you back to take it forward.
- Competitive interest rates, explained clearly before you sign
- Flexible repayment options that fit your income
- Less paperwork than a typical bank process
- Applications considered across different credit histories
6 Mittal Road, Moga, Punjab 142001, India
One last step
Tap below to email these details to our team. We'll call you back on your number.
A Moga finance company, run by a team you can meet
V.K. Finance Co. provides loans to individuals and businesses in and around Moga. Our team of five to six staff handles every application in person, so you speak to the same people from your first call to your last repayment.
We keep things plain: the amount, the interest, the repayment schedule and any charges are explained before you sign anything.
What we offer
Every loan is set up around the person applying. Ask us about the option that fits you.
Business loans
Working capital, stock, equipment or expansion for shops and small businesses.
Personal loans
For family needs, medical costs, education, weddings and other expenses.
Vehicle finance
Help buying a two-wheeler, car or commercial vehicle.
Flexible repayment
Repayment plans matched to your monthly income or business cycle.
Different credit histories
Applications are considered even if your credit record isn't perfect, subject to eligibility.
Personal assistance
Our staff guide you through the paperwork and answer your questions at every step.
How it works
From request to money in hand, in four steps.
Send a request
Fill in the short form above, email us, or walk into our office.
We call you
Our team discusses the amount, purpose and repayment that suits you.
Documents & check
Share the required documents. We verify them and confirm the terms in writing.
Get your loan
Once approved and signed, the amount is disbursed and repayments begin as agreed.
Eligibility & documents
A general guide. The exact list depends on the loan type and amount, and our team will confirm what you need.
Who can apply
- Indian residents aged 21 years or above
- Salaried, self-employed, business owners and farmers
- A regular source of income to support repayment
- Customers based in Moga and nearby areas
Documents usually needed
- Aadhaar card and PAN card
- Recent passport-size photographs
- Proof of address
- Income proof: salary slips, bank statements or business records
Guarantee or security requirements may vary with the loan amount and your credit profile. Interest rates, charges and repayment terms are shared in writing before any agreement.
Questions people ask us
How quickly will someone contact me?
Our team usually calls back within one working day of receiving your request. You can also email us at info@vkfinancecompany.com.
Can I apply if my credit score is low?
Yes, you can apply. We look at your overall situation, including income and repayment ability. Approval is subject to eligibility and our requirements, which may include a guarantor or security.
What interest rate will I pay?
The rate depends on the loan type, amount, tenure and your profile. We explain the rate and all charges clearly before you sign anything.
Do I need a guarantor?
It depends on the amount you borrow and your credit history. Smaller loans for applicants with a good record may not need one. We will tell you upfront.
Can I repay early?
Ask our team about early repayment when you apply. Any terms for early closure will be written in your loan agreement.
Does sending the form mean my loan is approved?
No. The form is a request for a callback. Approval happens only after we discuss your needs and verify your documents.
Visit or write to us
Ready to talk about your loan?
Fill the short form and we'll call you, or come see us at the office.
Apply for a loan