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AI-Driven EMI Recovery & Mobile Control Platform

Lock a financed phone the second an EMI is missed and unlock it the moment payment lands. LOANLOX.AI reads your loan system, flags risky accounts early, and protects every handset from tampering, with no extra hardware and no access to borrowers' personal data.

Book Enterprise Demo Explore Features
  • No hardware to buy
  • Locks without internet
  • Privacy-first by design
Recovery command center
Live
Active devices
12,480
Locked now
312
Recovered today
₹18.4L

Select a device to lock or unlock it

    Activity

      90%
      Default reduction
      1 sec
      Lock trigger
      100%
      RBI and privacy compliant
      Zero
      Hardware cost

      From handset sale to recovery in three steps

      Nothing to ship and nothing to wire. Your team installs once, and the system follows the loan from there.

      1. 1

        Install and provision

        At the counter, scan a QR code or use zero-touch enrollment. The handset is bound to the loan before the customer walks out.

        Takes about two minutes per device

      2. 2

        AI auto-syncs your LMS

        EMI schedules and payments flow in from your loan management system. The AI scores each account and sends reminders in the borrower's language before a due date is missed.

        Works with Tally, Busy and custom APIs

      3. 3

        Instant lock on EMI default

        When the grace period ends, the phone locks in about a second, even offline. The borrower pays, and the same sync unlocks it automatically.

        Unlocks the moment payment is received

      Built for the people who carry the credit risk

      Lenders need fewer defaults. Retailers need to say yes to more customers. The same platform serves both.

      For financers and NBFCs

      • Cut defaults on small-ticket device loans without paying for field collection.
      • Risk scoring flags accounts that are likely to miss an EMI before they do.
      • Locks and unlocks follow your LMS, so collections teams stop chasing by hand.
      • Every reminder, lock and unlock is logged for audits and partner reviews.
      • White-label the borrower app and connect through APIs on your own stack.

      For mobile retailers

      • Offer EMI to customers you would otherwise turn away, and sell more handsets.
      • Provision a phone at the counter in minutes: scan, hand over, done.
      • Reminders go out in the customer's language, so you skip the awkward follow-up calls.
      • See every financed handset and instalment in one dashboard.
      • Stay in good standing with financing partners through lower default rates.

      See it work on your own portfolio

      Book a 30-minute walkthrough. We will map your loan flow, show the lock and unlock cycle on a live device, and size the recovery upside.

      "Our field team used to chase overdue accounts for weeks. Now the first reminder usually settles it, and the lock handles the rest."
      OH Head of OperationsRegional NBFC
      "We approve more customers at the counter because the handset stays protected until the last EMI. Our financing partner noticed the difference."
      RO OwnerMulti-store mobile retailer
      "Rolling out across our dealer network took days, not months. The LMS sync worked from the first week."
      HC Head of CollectionsConsumer finance company

      Book your enterprise demo

      We reply within one business day.