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Frequently Asked Questions
We offer personal, home, business, property, study and car loans through our partner network of 35+ banks and NBFCs. Learn more about our personal loan and business loan products, or see the full list on our services page.
Secured loans require collateral (like property or gold), while unsecured loans rely on your credit profile and income. Learn more in our loan against property guide.
Eligibility considers income, employment stability, credit score, age, existing obligations and the loan type and tenure. See our home loan eligibility guide and CIBIL score guide for details.
Interest rates depend on the loan type, lender, your credit score and tenure. Personal loans typically range from 10% - 24% per annum. For home loans, read our interest rates guide.
Personal loans are usually approved within 24-72 hours of submitting documents. Secured loans may take longer.
KYC documents (Aadhaar, PAN), recent salary slips or income proof, bank statements for the last 3-6 months, and address proof. Business applicants should review our business loan documents checklist.
Most loans allow prepayment after a lock-in period. Prepayment charges vary by lender and product.
A formal application may trigger a hard credit enquiry. We help match you with lenders to minimise unnecessary enquiries. Learn how scores affect approval in our CIBIL score guide.
Explore more loan advice on the FinGrowth blog.