Effective from 2026-05-18.
BankCreds Is Not a Lender
BankCreds.com is operated by BankCreds Technologies Pvt. Ltd. — an independent loan comparison platform. We do not lend money, hold customer funds, or act as a banking institution. All loans displayed on our site are offered by RBI-registered banks, NBFCs, and fintech lenders who are solely responsible for the loans they disburse.
Information Accuracy
We make every effort to keep interest rates, eligibility criteria, processing fees, and other loan details accurate and up to date. However:
- Lenders may change their terms at any time without notice to us.
- The rates and fees shown are indicative — your actual offer depends on the lender's credit assessment of your individual profile.
- Comparison data, EMI calculations, and eligibility outcomes shown on BankCreds are estimates and do not constitute a binding offer of credit.
Before signing any loan agreement, please verify all terms directly with the lender.
No Financial Advice
The content on BankCreds.com — including blog posts, guides, calculators, and comparison tables — is provided for general informational purposes only. It does not constitute financial, investment, tax, or legal advice. You should consult a qualified financial advisor before making any borrowing decision.
Loan Approval Rests With the Lender
BankCreds does not approve or decline loan applications. The lender you choose to apply with will make the final decision based on their own credit policies, your credit score, income, and other factors. We do not guarantee approval, the amount approved, the interest rate offered, or the disbursal timeline.
Soft vs. Hard Credit Inquiry
Checking your eligibility on BankCreds is a soft inquiry that does not affect your CIBIL score. However, once you choose a lender and they process your application, the lender may run a hard inquiry — which can have a small temporary impact on your score.
Third-Party Links
Our site contains links to lender websites and other third-party resources. We are not responsible for the content, accuracy, security, or privacy practices of these external sites. Your use of any linked site is at your own risk.
Trademarks
All lender names, logos, and trademarks shown on BankCreds belong to their respective owners. Their inclusion on our site is for identification and comparison purposes only and does not imply endorsement or affiliation.
Limitation of Liability
BankCreds and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages — including financial loss, lost opportunities, or emotional distress — arising from your use of the information or services on this site. See our Terms of Service for the full limitation.
Contact
For any questions about this disclaimer, please write to support@bankcreds.com.