No — this is the whole point when you’re sharing loan paperwork. Your documents are opened, rendered with pdfjs, masked by flattening and merged with pdf-lib entirely on your device, with no server, no API and no CDN call for your files; the page even works offline once cached. Nothing is sent, logged or stored. That is exactly why you should never use a random online “merge documents” or “loan document” site — those upload your bank statements, ITR and ID to a stranger’s server. Here, only the merged PDF or ZIP you choose to export leaves the page, and closing the tab discards everything.

A typical loan application needs the completed application form, a government photo ID (PAN, Aadhaar or passport), an address proof, a passport-size photo, income proof and bank statements. For salaried applicants that means salary slips for the last 3 to 6 months, Form 16 / ITR for the last 2 years, employment proof and 6 months of bank statements; for the self-employed it means 2 to 3 years of ITR, audited profit-and-loss and balance-sheet statements, GST returns and business registration. Home loans additionally require property documents (title / sale deed), the sale agreement and a valuation report; business loans require business registration / GST, financials and often a business plan; car loans require the dealer’s quotation / proforma invoice and the vehicle invoice. The exact required documents, formats and order vary by lender, bank, NBFC, loan type, amount and country, so always follow your lender’s official list. This tool gives you a checklist per loan type to organize against, but it is general guidance, not the lender’s official list.

Yes. Many lenders and loan portals prefer all your supporting documents in a single, ordered PDF. Upload your ID, address proof, salary slips / ITR, bank statements, employment / business proof and any type-specific documents (images or PDFs), arrange them with the up/down arrows, set the applicant name and loan amount, and export one merged PDF that starts with an auto-generated cover/index page listing every document. If a lender instead wants each file separately, export the ZIP, which contains each document flattened (masks baked in) on its own. Both are built entirely in your browser, so nothing is uploaded.

Only share loan documents with a lender you have verified, and be careful what you expose: it is good practice to mask details you don’t strictly need to share, such as a full bank-account number, the exact running balances on a statement when you only need to show steady credits, or your full Aadhaar / PAN. In this tool you draw black boxes over those details; the masking is real, because each box is painted onto the page image and the PDF is rebuilt from those images, so the hidden content is physically gone with no recoverable text layer. Most importantly, be alert to loan-approval scams: never send your financial documents to, or pay “processing” or “advance” fees to, an unverified lender — legitimate lenders deduct fees from the sanctioned amount and never ask for money up front. This tool only prepares and packages your own copies; it does not check your eligibility, calculate approval, submit your application or verify any party.