Frequently asked questions
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About CredoCash
What is CredoCash?
CredoCash is a loan comparison and application platform. We connect you with RBI-regulated banks and NBFCs so you can compare offers and apply online in one place.
Is CredoCash a lender?
No. We are a loan service provider. The lender you choose approves the loan, sets the terms and pays the money directly into your bank account.
Do I have to pay anything to use CredoCash?
No. CredoCash is completely free for borrowers. Never pay anyone upfront to get a loan — genuine lenders deduct fees from the disbursed amount and list them in the Key Fact Statement.
Applying
How does the application work?
Create your account with your mobile number (verified by OTP) and email, tell us about your income and the amount you need, and we'll show lenders whose criteria you match. You then complete the application and KYC with the lender you choose.
What documents will I need?
Usually PAN, Aadhaar, recent bank statements and income proof (salary slips or ITR). Each lender confirms its exact list; see the product pages for typical requirements.
How long does approval take?
It depends on the lender and product. Many digital personal loans are approved within minutes and disbursed the same day after verification; home and business loans take longer.
Can I apply for more than one product?
Yes. You can start applications for different products from your account dashboard and track the status of each one.
Why didn't I see any offers?
Each lender has its own rules on age, income, profession, loan amount and location. If none match today, our team may still contact you with alternatives, and you can try again as your profile changes.
Credit score & data
Will comparing offers affect my credit score?
No. Viewing your matched offers on CredoCash doesn't affect your score. A lender may run a credit check when you apply with them.
How is my data used?
We use your details to match you with lenders and share them only with the lenders you are matched with, and only with your consent. You can read the full details in our Privacy Policy.
Can I see or withdraw my consents?
Yes. Contact us at support@credocash.com to request a copy of the consents you've given or to withdraw consent for future processing.
Your account
I forgot my password. What do I do?
Use 'Forgot password' on the login page. We'll send an OTP to your registered mobile number so you can set a new password.
How do I track my application?
Log in to your CredoCash account. Your dashboard shows the current status of every application you've started.
Complaints
Who do I contact if I have a complaint?
Write to our Grievance Officer at support@credocash.com or use the grievance form. If your issue isn't resolved within 30 days, you can approach the RBI Ombudsman at cms.rbi.org.in.
Will anyone from CredoCash ask for an upfront fee or my OTP?
Never. We don't charge borrowers and we never ask for OTPs, passwords or card PINs. Report any such request to support@credocash.com immediately.
Still need help? Contact us.