Medical emergenciesEducation feesShoppingTravelMonth-end gaps
The White Rock distinction
Finance, thoughtfully done.
Not a bank queue. Not a maze of fine print. Not another faceless loan app.
White Rock Finance is powered by A.T.N. Leasing & Finance Ltd., an RBI-registered NBFC with a legacy dating back to 1994 and guided by bankers with over 50 years of collective expertise. Together we are redefining access to finance for India’s urban salaried class.
Built on a technology-first foundation, we use smarter, data-driven credit assessment to deliver faster and more inclusive lending, so deserving individuals receive the right financing, exactly when they need it.
Legacy since
1994
Borrow up to
₹2L
To apply
10 min
Foreclosure fee
₹0
Medical emergenciesRBI-registered NBFCEducation feesTravelNo hidden chargesMonth-end gapsShoppingSince 1994Weddings & familyMedical emergenciesRBI-registered NBFCEducation feesTravelNo hidden chargesMonth-end gapsShoppingSince 1994Weddings & family
100% onlinee-Sign your offerFunds in your bankBank-grade encryptionTimely EMI remindersFlexible tenureZero foreclosure chargesDedicated support100% onlinee-Sign your offerFunds in your bankBank-grade encryptionTimely EMI remindersFlexible tenureZero foreclosure chargesDedicated support
Built for every turn of life
How to apply
01Application formYour personal details and how much you want to borrow.
02DocumentationProof of income, identity and address, uploaded online.
03Wait for approvalThe lender reviews your application and shares a decision quickly.
04Receive fundsMoney is sent directly to your registered bank account.
Why choose A.T.N.
Every application is built for speed. We remove the steps that slow you down, so there's no stack of paperwork and no long wait for approval.
Our app is designed around convenience and peace of mind, so the help you need arrives when you need it.
Responsible lending
Financial stabilityWe help you meet immediate needs in a way that supports long-term stability and growth.
Ongoing supportQuestions during your loan? Our team is here to help you borrow and repay responsibly.
Transparent termsYou know your repayment amount, due dates and fees before you sign. No surprises.
The people behind White Rock
Our founders.
Sahil Girdhar
Founder
How borrowing and repayment work
A borrower-first process that keeps you in control, from application to final EMI.
01Online applicationApply from home or office. No branch visit, no physical documents.
02Instant approvalApplications are reviewed fast, with a decision often within minutes.
03Immediate transferOnce approved, funds move straight to your bank account for emergencies or short-term gaps.
04Secure and privateBank-grade encryption protects your personal and financial information.
05Timely remindersWe remind you before every EMI due date so you stay on schedule.
06No hidden chargesWhat you agree to at approval is exactly what you repay.
