BankCreds is free to use, and we are not a lender. We don't issue loans, hold your money, or charge you to compare apps, check eligibility or apply.
What we actually do
BankCreds is a comparison and matching platform. Our goal is simple: connect loan seekers with the right lending platform — a bank, NBFC or RBI-regulated loan app — where they can genuinely get the loan they need, on terms that fit their situation.
How we plan to earn
We are building partnerships with lending platforms. Under that model, when we refer you to a partner and you successfully take a loan with them, that partner pays BankCreds a referral fee.
To be fully transparent: we are at an early stage and are still building these partnerships, so BankCreds does not currently earn referral income. When that changes, this page will say so plainly.
It never costs you anything
You never pay BankCreds — not to use the site, not to get matched, and not to apply. Any referral fee is paid by the lending platform, not by you, and it does not change the rate or terms a lender offers you.
Our independence
This is the part that matters most: referral relationships never influence our rankings, ratings, reviews, or which platforms we show you. We rank and review lenders on merit alone — interest rates, fees, eligibility, disbursal speed, safety and real borrower experience. If an app is expensive or has hidden charges, we say so, whether or not it's a partner.
Questions
If anything about how we operate is unclear, get in touch. You can also read our Editorial Policy to see how our content is researched and kept independent.