Personal loans, compared clearly.
Check what you qualify for in two minutes and compare offers from RBI-registered banks and NBFCs, with the full cost shown before you apply.
- No impact on credit score
- Free to use
- Regulated lenders only
From eligibility check to disbursal in three steps
We do the matching. The lender does the lending. Each step is clear about who is responsible for what.
Share the basics
Your mobile number, income and the amount you need. No documents at this stage.
Review matched offers
We show lenders whose criteria your profile meets, with indicative rates and fees.
Complete with the lender
Finish KYC and sign the agreement with your chosen lender. Funds are disbursed to your bank account.
Built for informed borrowing
Compare before you apply
Interest rate, processing fee and APR shown side by side, before you share any documents.
Regulated lenders only
Every lending partner is a bank or NBFC registered with the Reserve Bank of India.
No credit score impact
Checking your eligibility is a soft enquiry. Your credit score is not affected.
Fast decisions
Many lenders decide the same day and disburse within 24–48 hours of approval.
Your data, protected
Shared only with lenders for your request, with your consent. Never sold.
Free for borrowers
Lenders may pay us a referral fee. It never changes the rate or fees you are offered.
The full cost of a loan, not just the rate
A representative example of what a personal loan costs once fees and taxes are included. Your actual offer depends on the lender and your profile.
Open the EMI calculatorRepresentative example
| Loan amount | ₹1,00,000 |
| Interest rate (reducing balance) | 14% p.a. |
| Tenure | 24 months |
| Monthly EMI | ₹4,801 |
| Total interest | ₹15,231 |
| Processing fee (2%) + 18% GST | ₹2,000 + ₹360 |
| Total amount payable | ₹1,17,591 |
| Annual Percentage Rate (APR) | ~17.7% |
Standards we hold ourselves to
Regulated partners
We work only with RBI-registered banks and NBFCs. Approval and terms are always the lender’s decision.
Full disclosure
Every fee, including processing charges and GST, is shown before you accept an offer. See how we earn.
Fraud prevention
We never ask for OTPs, PINs, passwords or any payment to approve a loan. Report anyone who does to grievance@creditjunction4u.com.
Frequently asked questions
Is CreditJunction4U a lender?
No. CreditJunction4U is a loan information and comparison platform. We help you understand your options and connect you with RBI-registered banks and NBFCs. The lender decides on approval and terms.
Does checking eligibility affect my credit score?
Checking your eligibility with us is a soft enquiry and does not affect your credit score. A lender may run a hard enquiry only when you formally apply with them.
How much can I borrow?
Personal loans typically range from ₹10,000 to ₹40 lakh, depending on your income, credit history, existing EMIs and the lender’s policy.
What interest rate will I get?
Rates usually range from 10.5% to 36% per year. Your rate depends on your credit score, income, employer and the lender. You will see the final rate and all fees before you accept any offer.
What documents do I need?
Usually PAN, Aadhaar, your latest salary slips or bank statements, and sometimes address proof. Many lenders verify these digitally, with your consent.
Check your eligibility
Takes about two minutes. No impact on your credit score.