Who We Are
BankCreds.com is an independent loan comparison platform built for the Indian market. We help users compare instant personal loan offers from 30+ RBI-registered banks, NBFCs, and fintech lenders — side-by-side, in real time, without bias.
BankCreds is not a lender. We do not disburse loans, hold customer funds, or charge borrowers any fees. Our role is to bring transparency to a fragmented market and help you make a smart, informed choice.
Our Mission
Millions of Indians take personal loans every month — but most do so without comparing offers. The result: paying ₹40,000–₹80,000 more in interest than they need to over the loan tenure. BankCreds exists to fix that.
We believe every borrower deserves to see all their options before signing — interest rates, processing fees, eligibility criteria, disbursal speed, and repayment terms — laid out in plain language. That is the entire product.
What We Do
- Compare 30+ lenders — banks (HDFC, ICICI, Axis), NBFCs (Bajaj Finserv, Navi), and fintech apps (KreditBee, MoneyView, Fibe) on one screen.
- EMI calculator & eligibility checker — free tools that estimate your monthly payment and likely approval odds before you apply.
- Programmatic guides — dedicated pages for every loan amount, city, and use case so you can read up before deciding.
- No-impact eligibility — checking your offers on BankCreds is a soft inquiry that does not affect your CIBIL score.
How We Make Money
We earn a referral fee from the lender only when you choose to apply via BankCreds and they approve your loan. The borrower never pays. This model lets us keep our comparison free, but it does create a potential bias — which is why we display every lender in our network, not just the ones with the highest payout, and we surface objective sort options (lowest rate, fastest disbursal, highest approval rate) so the choice is yours.
Trust & Compliance
All lenders listed on BankCreds are RBI-registered. We follow RBI's Digital Lending Guidelines (2022) on disclosure, data handling, and grievance redressal. We do not share your personal information with any party other than the lender you choose to apply with — and only after your explicit consent.
Get In Touch
Questions, feedback, or partnership enquiries? Reach out to our team — we read every message.