Frequently Asked Question

If your credit score is clean and your paperwork matches your income, approval can happen in 24–48 hours. If not, expect delays. Most people waste time because their bank statements don’t match the income they claim — don’t be one of them.

750+ is the real threshold. Anything below 700 and lenders immediately treat you as high-risk, no matter what excuses you make about “old loans” or “CIBIL errors.” A score between 700–750 is average, and you’ll get approved but with higher interest rates. Focus on improving your score before applying.

If you’ll repay within 30 days, use the card. If not, take the personal loan. Revolving credit card interest (30–42% annually) is financial suicide.

Yes — but it won’t happen overnight. We review your credit report, dispute errors, create repayment strategies, and restructure high-interest debts. If you’re expecting a miracle in 10 days, be realistic — it takes consistent action.