A Loan Account Number (LAN) is the unique number your lender assigns to your loan. You’ll need it to make or track EMI payments, check your outstanding balance, download statements and raise service requests. You can usually find it on your loan statement, in your lender’s app or website, in your sanction letter or loan agreement, or in the SMS and email alerts your lender sends.
What Is a Loan Account Number?
A LAN is a numeric or alphanumeric code issued by the lender once your loan is approved or disbursed. It is linked to one loan account and stays with it for the loan’s entire life, from disbursal to closure.
If you have more than one loan with the same lender, say a personal loan and a two-wheeler loan, each will have its own LAN.
Your lender uses your LAN to pull up everything about that loan:
- loan amount and interest charged
- EMI due date and repayment history
- outstanding balance and loan tenure
- foreclosure or closure status
- statement and NOC details
How Many Digits Does a Loan Account Number Have?
Each lender sets its own format, and a LAN may contain only numbers or a mix of letters and numbers. A Fibe LAN is usually around 17 characters long, a mix of letters and numbers that starts with “LAI”. In the Fibe app, it’s labelled Loan ID.
| Point | Details |
| Format | Numeric or alphanumeric |
| Length | Varies by lender |
| Assigned by | Bank, NBFC or other lender |
| Unique to | Each individual loan account |
If you’re unsure whether a number is your LAN, check the label next to it on your statement or in your lender’s app.
How to Find Your Loan Account Number
1. Your loan statement
Your LAN usually appears near the top of your loan statement, alongside your name, loan type, loan amount and EMI details. Look for labels such as Loan Account Number, Account No., LAN or Loan No. You can usually get your statement by email, in the lender’s app or customer portal, or as a physical copy. Here’s how to download your personal loan statement.
2. Your lender’s app or website
- Open your lender’s official app or website.
- Log in with your registered mobile number and the OTP sent to it.
- Go to the section for your loans or accounts.
- Select the loan you need.
- Check the loan summary for your LAN.
3. Your sanction letter or loan agreement
Your sanction letter, Key Fact Statement and loan agreement usually show your LAN in the loan summary, borrower details or repayment schedule. This is useful if your loan is old or already closed.
4. SMS and email alerts
Lenders send alerts after approval, disbursal, each EMI debit and when a statement is generated. These often include your LAN, sometimes partly masked. Search your inbox for “loan account number”, “LAN”, “EMI” or your lender’s name.
5. Your credit report
Your credit report lists your active and closed loans, including the lender, loan type and repayment history. The account number may be shown in full or partly masked, depending on the bureau. It’s a good way to see which lender reported a loan, but confirm the LAN with your lender before making a payment or raising a request.
6. Customer support
Your lender’s customer support team can share your LAN after verifying your identity, usually with your registered mobile number, PAN or date of birth. Never share OTPs, passwords or PINs with anyone who says they’re helping you find your LAN.
Online vs Offline Ways to Find Your LAN
| Method | Online/Offline | Best for |
| Loan statement | Both | Quick verification |
| Lender app or website | Online | Instant access and full loan details |
| Sanction letter or loan agreement | Both | Old or closed loans |
| SMS and email alerts | Online | EMI and disbursal references |
| Credit report | Online | Seeing which lender reported a loan |
| Customer support | Phone or online | When you can’t find any documents |
How to Find Your Loan Account Number in the Fibe App
In the Fibe app, your LAN is labelled Loan ID. It’s usually around 17 characters long and starts with “LAI”.
Sets to find your LAN:
- Open the Fibe app and log in.
- Tap Accounts.
- Tap Loan Details & Documents.
- Tap All Loans.
- Tap the loan card you need. The loan details, including the Loan ID, are shown on this screen.
From the same screen, you can also download all the documents for that loan.
Fibe allows one active loan at a time, so the dashboard shows the Loan ID for your current loan. Each of your past loans has its own Loan ID, which you’ll find under All Loans.
Can’t find it in the app? Your LAN is also shown in your Key Fact Statement and loan agreement. You can also contact Fibe customer support on 020-67639797 or at care@fibe.in. Fibe will never ask for your OTP, password or PIN to help you find your LAN.
Why Your Loan Account Number Matters
Your LAN makes sure every action on your loan is applied to the right account, which matters most when you have more than one loan with the same lender.
Making EMI payments
When you pay an EMI or part-prepay manually, your LAN tells the lender which loan to credit. If you have two loans with the same lender and enter the wrong LAN, the payment may go to the wrong loan or sit unallocated until it’s corrected.
Tracking your loan
Your LAN lets you check your EMI due date, EMIs paid, outstanding principal, interest, repayment schedule, part-payment status, foreclosure amount and closure status.
Faster customer support
Quoting your LAN lets the support team find your loan immediately, for queries about a missed EMI, an extra payment, a repayment schedule or a No Objection Certificate.
Updating your details
You may need your LAN to update your mobile number, email ID, address, employment details, or the bank account and mandate used for auto-debit.
Downloading documents
Your LAN is usually needed to request your loan statement, repayment schedule, interest certificate, foreclosure letter, No Objection Certificate or closure confirmation.
Loan Account Number vs Bank Account Number
| Basis | Loan Account Number | Bank Account Number |
| Identifies | One loan | A savings or current account |
| Assigned by | Lender | Bank |
| Used for | EMI tracking, loan servicing, statements | Deposits, withdrawals, transfers |
| Changes with each loan? | Yes, each loan has its own LAN | No, it stays the same unless closed |
| Example use | Paying an EMI or downloading a loan statement | Receiving salary or making UPI payments |
Loan Account Number vs Loan Reference Number
| Basis | Loan Account Number | Loan Reference Number |
| Purpose | Identifies an approved or disbursed loan | Tracks an application, request or transaction |
| Generated | After approval or disbursal | During an application or service request |
| Validity | Stays linked to the loan | Often temporary or specific to one request |
| Used for | EMI payments, statements, repayment tracking | Following up on an application or query |
Keeping Your LAN Safe
Your LAN is less sensitive than an OTP or password, but protect it:
- don’t post it on social media or public complaint forums
- never share OTPs, passwords or PINs, even with someone quoting your LAN
- use only your lender’s official app, website or customer support number
- keep your loan documents in a secure folder
- double-check your LAN before making an EMI payment or part-prepayment
- be wary of callers offering “pre-approved loans” in exchange for personal details
Borrowing with Fibe
Fibe offers personal loans of up to ₹10 lakh, and you can check your eligibility on the Fibe app or website.
FAQs on Loan Account Number
What is a loan account number?
A loan account number, or LAN, is a unique identifier your lender assigns to a specific loan. It’s used to track EMI payments, outstanding balance, repayment history, statements and service requests.
Are a loan account number and a bank account number the same?
No. A bank account number identifies your savings or current account. A loan account number identifies a specific loan from a bank, NBFC or other lender.
What can I do with my loan account number?
You can use it to check your loan status, pay EMIs, download statements, raise service requests, update your details, request foreclosure details and get your NOC after closing the loan.
Can I find my loan account number on my credit report?
Your credit report lists your loan accounts, but the number may be partly masked or shown differently depending on the bureau. For payments or official requests, confirm your LAN with your lender.
What is the difference between a loan account number and a loan reference number?
A loan account number identifies an approved or disbursed loan for its entire life. A loan reference number usually tracks an application, transaction or service request.
How do I check my Fibe loan account number?
In the Fibe app, your LAN is labelled Loan ID. For an active loan, it’s shown on the dashboard. For a closed loan, go to Accounts, then Loan Details & Documents, then All Loans, and tap the loan card. You’ll also find it in your Key Fact Statement and loan agreement.
How many digits does a loan account number have?
It depends on the lender. Formats vary in length and may be numeric or alphanumeric. A Fibe LAN is usually around 17 characters, a mix of letters and numbers starting with “LAI”.
Can I have more than one loan account number?
Yes. Each loan usually has its own LAN, even if you have several loans with the same lender. With Fibe, you can have one active loan at a time, and each past loan keeps its own Loan ID.
Is it safe to share my loan account number?
You may need to share it with your lender for official requests. Avoid sharing it publicly or with unknown callers, and never share OTPs, passwords or PINs along with it.
Where can I find my loan number or loan ID online?
Log in to your lender’s official app or customer portal and open your loan details or statement. It also appears on your sanction letter, Key Fact Statement, repayment schedule and loan agreement. Avoid third-party websites that claim to find your loan number for you.
Is a loan agreement number the same as a loan account number?
Not always. A loan agreement number identifies the contract, while the loan account number identifies the account used to track repayments. Some lenders use the same number for both, so check the labels on your documents.