Expert Financial Advice

We help you meet goals, plan new strategies and keep you up to date on the changes in regulation and customer expectations.

about azuray

Plant your future here

Today, we are the most diversified non-bank in the country, financing the widest set of outcomes. The cornerstone of our success lies in simply understanding your issues and pain points, and the fact that your pursuits aren’t limited to a few areas of your life just. Since, we understand these issues, we have the ability to create products and services which puts the advantage in your court.

our services


Personal Loan

A Personal Loan is a great tool in managing your finances and functions as an impetus in putting your plans into actions.

Business Loan

Looking to expand your scale of operations, invest in equipment or have a business need, to provide greater service and treatment facilities.

Gold Loan

Our Gold Loan interest rates will give you a quick and effortless way of meeting your financial needs.

Loan Against Property

Avail loan against property or transfer your existing loan with loan amount up to Rs.2 Cr with 24-hour approval at low interest rates and speedy approval.

Home Loan

A unique offering to our home loan customers who are buying prepared to occupy property.

Indemnity Insurance

There are day to day inevitable incidents, which needs to be covered within the right time. Azuray has it covered for you with our Indemnity Insurance facility.

Latest Updates

Guidelines on Picking the Correct Bad Credit Loans

At any point in your life, circumstances may arise when you need money urgently, but your credit score is poor. Sometimes, you may not want to trouble your relatives by borrowing money from them. Bad credit loans are offered to people to address such situations, which may ensue at any time. Choosing the appropriate type of bad credit loan makes your borrowing inexpensive, manageable, and lower risk. Companies such as CreditPoor specialize in helping you pick the best loan for your needs. Visit their site to learn more about their services.

Types of bad credit loans 

If you urgently need financial assistance, below are some types of loans you can seek. In most of these loans, lenders will not dwell much on your poor credit score. However, you should understand that lenders would put in place other measures to safeguard themselves from the risk they may incur for having you as a borrower.

1. Secured loans 

These kinds of loans require you to provide collateral to the lender to get approval. For instance, for you to get a home equity loan, you will need to provide your car, home, or any other valuable asset as collateral. Secured loans allow you to receive a large amount of money because the loan offered must match the collateral received.

2. Unsecured loans 

In these types of loans, the lender will need your signature as evidence that you vowed to settle your debts. At times, the lender may request you to get a guarantor or a cosigner. That way, if you fail or decline to pay your loan, the responsibility of paying your debt will lie on this person. Unsecured loans attract high-interest rates since they do not request for collateral.

3. Payday loans 

You should apply for payday loans only when you are sure of receiving a huge amount of cash within a few days. These loans have short payment term and high-interest rates.

Most bad credit loans have quick approval rates. The lender will give you a fixed interest rate as well as an amount to be paid on a monthly basis. Making timely payments is an ideal strategy for improving your credit score.

Advantages of Taking a Home Loan: Home Loans are not as Bad as You Think!

Buying a home can be one of the biggest investments of your life. One a few are able to make it with their own funds, while most others are looking out for a loan. Home loans are one among the frequently bought loans by people. In most of the cases, people find the idea of loans quite disturbing. They have questions regarding the amount of loan they are eligible for, the beneficial period of repayment and the rate of interest spread over that period. Most people advise you to go with your own funds by saving it over a period. However, getting a loan and repaying it might be much easier than that. Here are some of the advantages of taking a home loan.

Advantages of Taking a Home Loan

Advantages of taking a home loan:

Getting the loan approved:

Getting your home loan approved will not be a great deal as the financial institution will hold the house or the land appurtenant to it as the collateral. Two things make it easy to buy a home loan. One is that housing loans are always a win-win, so your financier would love to give it away just like that. The next thing is that you are not expected to look out for a separate asset as collateral, which reduces your burden. All these factors put together makes the approval process easy.

Low rate of interest:

Home loans usually carry low interest rates when compared to other forms of loans. The low rate of interest makes home loans affordable for all classes of individuals who are aspiring to build their own houses. Most of these loan work along with the salary account of the individual. The interest amount on loan and the amount paid against the principal will be auto debited. With the increase in the cost of living your salary might go in for a raise, while the amounts that are deducted and the rate of interest will be the same.

Tax Benefits:

Be it an individual loan or a joint-loan, in both cases the borrower can enjoy tax benefits. This might not be possible if you are self-financing your requirement. A large number of clients who are taxpayers enjoy a lot of benefits year after year for the interest that they are paying against the loan that they have procured.

Appreciation in asset value:

This is undeniably one of the most important advantages of procuring a home loan. In case if you rightly understand the way economy functions, a building and the land on which is constructed are assets that do not have depreciation value. This means these value of these assets only appreciate. Having said these home loans are usually taken for a longer period. Since the land value keeps appreciating, the interest that you pay over the years will be matched by the value of the asset that has already appreciated. This is known as Capital Appreciation, one of the important benefits of taking a home loan.

Under-construction Property:

Financial institutions have special loan options for house properties that are under construction. This will highly help people who have abandoned the idea of constructing a house due to financial constraints.

6 Different Types of Loans that you should know

Financing has become one of the most activities that we have to deal with on a day to day basis. There are two ways in which you can finance your monetary needs, internal source and external source. Though people are looking out for loans even for their most common needs, financing is going to be a great decision to make if you own a large company or if you are into some business. These are cases where you will have to make huge investment decisions and financing will be an issue to talk about.


So talking about finance, you can either self-finance your needs, which is the internal source or look for an external source. An external source is when you are looking for a third party, like a financial institution to finance your needs. So if you are choosing to external finance then these are the types of loans that you should be aware of:

Types of loans:

Secured loans:

In secured loan you are securing the financial institution with an asset against the loan that you have borrowed. The financial institution, be it a banker or any private lender, will have rights to exercise control over the asset if you do not make your payment on time. These types of loan are known as secured loans. You will get back your ownership once you have repaid the loan along with interest.

Unsecured Loans:

Unsecured loans are the exact opposite of secured loans. The borrower need not have to place any asset as collateral to borrow these types of loans. So where does the lender benefit here? The loan processing can be quite difficult here, and also the interest rates are high when compared to the secured form of loans.

Open-Ended Loans:

Open-ended loans are credit-based loans. A borrower can place loan requisitions again and again till he runs out of his credit. Every customer of the financial institution eligible for an open-ended loan will be given with a credit limit depending on the worth of his transactions in the past. Every time the client borrows, his credit decreases. The credit limit gets back to the original position when the borrower has repaid the whole amount.

Close-Ended Loans:

Close-Ended loans do not have anything like credit limit, and also the borrower cannot borrow loans again and again once he has repaid the loan completely. These loans are known as close-ended loans. In case if you are in need of another close-ended loan you will have to work on the borrowing procedure again from the beginning.

Demand Loans:

Demand loans are widely known as short-term loans. These loans are lent by the financial institutions when borrowers request for loans that come with short repayment periods. It takes the name ‘Demand loans’ because the borrowers are expected to repay the loan when they are demanded by the financial institutions.

Concessional Loans:

These loans are given on special conditions for certain sector of clients. A concessional loan, as the name suggests, carries less rate of interest when compared to the other loans. These are also termed as borrower-friendly loans as clients in most of the cases are beneficiaries here, while the financial institution is the benefactor.

contact info

At Azuray Finance Private Limited we are committed to helping you fulfill all your finacing needs to the best of our ability.


1352 Clay Lick Road
Denver, CO 80239

Working Hours

Weekdays: 10AM – 8PM
Weekends: by appoinment