From application to disbursal — here is exactly what happens at each stage, and how we protect your credit score throughout.
Tell us the loan type, amount, and tenure you need. Takes under 2 minutes.
Share your employment details, income, and entity type so we can match you with the right lenders.
You upload your own credit report from the bureau. Comparaloan never contacts a credit bureau on your behalf — nothing is added to your credit file and your score is unaffected.
Your financial data — income, liabilities, repayment history, credit score — is shared with our lending partners. Your name, address, PAN, and phone number are NOT shared.
Lending partners review your redacted profile and return tentative offers. You see interest rates, maximum amounts, tenure, and estimated EMIs — all side by side.
Compare the tentative offers and choose up to 3 lenders you want final offers from. Only your selected lenders will run a hard credit check.
Your selected lenders run their checks and return binding offers with confirmed interest rates, sanctioned amounts, and terms.
Choose the best final offer. Your selected lender will request documents — ITR, bank statements, ID proof, etc. Upload them directly through the platform.
Once your documents are approved, the loan is sanctioned and disbursed. The entire process tracked on your dashboard.
The entire process takes minutes to start, and your credit score stays safe throughout.
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