Glossary
Hard Enquiry
What it means
When you submit a loan or credit card application, the lender pulls your credit report, creating a hard enquiry that stays visible for around two years. A few enquiries are normal; many enquiries in a short period signal credit hunger and can lower your score and worry underwriters.
This is why applying to several lenders at once is counterproductive. A pre-screen against lender policies, which uses no bureau pull, lets you apply once to the lender most likely to approve.
Where it applies
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Car Loan
New car loans covering up to 100% of on-road price at rates from about 8.5% p.a., with tenures up to 7 years, across banks and captive finance companies.
- Rate from
- 8.50% p.a.
- Up to
- ₹2 Cr
More terms
Ready when you are.
Two minutes to share your requirement. One call from our credit desk with a lender shortlist. No fee, ever.