The Customer's loan process will take more days due to any festival.
The Company is using Blogs for their advertising, so that content could be of the third party, so the company doesn't take guarantee of the information to be correct or incorrect.
If customers, employees, channel partners, any other person, or any other party has a problem with the company then they have to inform that problem to our company through notice; so, we can try to give you a solution of that but after that, any of them want to take a legal action then they have to inform the company through notice. Only then, the legal process will be started.
If customers, employees, channel partners, any other person, any other third party has a problem/dispute/misunderstanding with the company, the right to take the final decision over the concerned issue is reserved with the company and the concerned person will have to accept the solution provided by the company.
The documents, cheques, and OTP that the company's employee asks the customer is for the processing of the loan, the company is not responsible if any problems/disputes arise in the future.
During any process on the website, if there is any kind of mistake that happens due to the software or website technical problems, the final decision on such disputes can only be taken by the company and it has to be accepted by anyone concerned.
The Company's authorized person can change any rules and regulations at any time; the concerned person must be regularly updated with the company’s terms and conditions and has to accept them unconditionally.
All the commitments made by the company’s employees (any employee/person from the company), telecallers, or salespersons, etc. should be cross-checked by any concerned person (customer/channel partner) from the Terms & Conditions section of Credbharat.com before availing any of the company’s services. Only the rules and regulations stated on the company website will be considered official.
All the detailed criteria, terms, and information behind any of the company’s concise promotional content (social media ads, banners, SMS, advertisements, emails, etc.) are stated in the Terms & Conditions and Privacy Policy sections of the website. Any concerned person (customer, channel partner, employee, etc.) must check and accept all the rules and regulations before availing any of the company’s services. If any person has confusion, they can call on the company’s customer care number to gain clarity before availing company’s services.
If there is any dispute that arises between any concerned user (channel partner, customer, customer referral, etc.) and the company, their account will be disabled immediately by the company. In such a case, the user would be needed to contact the company for any query.
All of the promotional content put and shared by the company, either on its website or any platform, is only for advertisement purposes. Any person should not assume it as the final loan approval or details of the loan. The final loan approval and specifics of the loan depend on the rules and regulations of various banks (or the concerned bank) and the customer profile. Every customer, channel partner, or any other user must accept this clause and consider the bank’s loan processing time only.
The loan-related figures, rates, and information used in the promotional content of the company are general and for promotional purposes. The final nature and specifics of the loan in terms of the loan amount, interest rate, repayment tenure, loan processing fees, loan insurance, etc., depends solely on the customer profile and the rules and regulations stated by the concerned bank. The final loan details depend on the criteria set by the concerned bank(s).
Credbharat's company name, logo, content, business concept, software and system, pattern, website structure and design, and business process and offers are copyrighted with the company. If any individual or organization uses/copy any of the above-mentioned by even 1%, legal action may be taken against them.
If any person (customer, channel partner, employee, etc.) is involved in any of the company's processes then the company is authorized to record the phone calls with that person.
If any customer applies for a loan in our company and if any other external person/organization commits fraud with that customer in terms of taking money from you or in any other way then, it will not be the company’s responsibility for any kind of loss faced by the customer.
Whatever loan offer is given to the customer is according to the customer profile. The customer will have to compulsorily accept the loan offer – he/she cannot deny the loan offer.
The company has full authority to use the customer’s information for purposes such as testimonials, advertisements, marketing, SMS, etc. The customer agrees that regulations of Do Not Disturb(DND)/National Do Not Call(NDNC) won’t be applied in such practices.
If any person (user, customer, channel partner, etc.) visits our website and indulges in any activity – like clicking a button, link, filling forms, or any other activity on the website, it will clearly mean and express that the person agrees to and acknowledges all terms & conditions, rules & regulations, and policies of the company.
After the loan approval, the bank charges will be applied as per the bank’s rules and regulations.
No customer can contact the bank’s employees to inquire about/get any information on the loan file processes.
The customer, whose loan has been approved, must read and understand the bank agreement and the bank’s terms and conditions carefully. After the loan process is done, the company can’t be held responsible or liable for anything.
The company will take legal action against the customer, channel partner, reference customer, or any other person who submitted fake documents. And the company won’t take any responsibility for the loan process in this case.
Multiple partnered banks' logos are shown on our website and our promotional content across many mediums – these are shown only for our company's marketing purpose. It might be possible that certain banks, whose logos are shown on our website/promotional content, are not partnered with our company. Also, these should not be assumed as any bank's advertisement.
Any wrong/fake commitment or vocal statement given by the company’s employees, channel partners, etc. would be considered invalid. Only the solutions or solution-related vocal statements would be considered valid. All the company’s Terms & Conditions, Privacy Policy, Disclaimer, all other rules will be final and have to be followed.
If any person has a doubt/question regarding any of the company’s terms and conditions, they can contact the company.
The office holidays and bank holidays will not be counted as working days/business days. The company’s office work will be done on working days only.
Loan processing time might get delayed because of any public holiday, technical problems, customer issues, etc.
The Company will not be providing any proof for rejection in hard or soft copy.
It might be possible that the content/figures/information shown on our website are not updated. So, to get the exact information regarding any of our website’s content, Terms & Conditions, Privacy Policy, Disclaimer, etc., you can mail us.
The content and any process on the website can be changed or modified at any instance. So, the older version of the content and process won’t be functional, valid, or a subject of argument for any person – and the customers, channel partners, users, etc. have to stay timely updated and accept all the changes unconditionally. Only the current content and process of the website will be considered valid.
By accessing our website, you affirm your age as 18 years or more. If you’re someone below 18 years, we advise you not to access our website or the services.
Any processes regarding the loan or channel partner code might get delayed due to public holidays, technical problems/software issues, etc.
Due to a software/system issue, it might happen that the dates mentioned in the Loan Status are late by 3-4 days.
The general criteria to apply for a personal loan by a salaried individual are – Min. Age: 21 years; Min. Salary: Rs.15,000/month (credited in the bank account); Salary Slips available; and Job Stability proof available. Final loan approval completely depends on the customer profile and the bank’s rules and criteria.
The general criteria to apply for a personal loan by a self-employed individual are – Min. Age: 21 years; IT Returns available (min. 1 year); Business Stability proof available; and Current Account in a bank. Final loan approval completely depends on the customer profile and the bank’s rules and criteria.
The general criteria to apply for a business loan by a small business person are – Min. Age: 21 years; IT Returns available (min. 1 year); and Business Stability proof available (min. 1 year). Final loan approval completely depends on the customer profile and the bank’s rules and criteria.
The general criteria to apply for a business loan by an audited report business person are – Min. Age: 21 years; Min. Rs.1 Crore+ Yearly Turnover; and Min. 2 Years Audited Report. Final loan approval completely depends on the customer profile and the bank’s rules and criteria. Any information/flow/system regarding our website shown in the videos posted on social media (or any platform) may be inaccurate, outdated, or different from our actual website. Only the most updated version of the website, terms & conditions, and other policies shall be valid.
Cookies are small files that a site or its service provider transfers to your computer's hard drive through your web browser with your permission which enables the site or service provider's systems to recognize your browser and capture and remember certain information. We use cookies to help us understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
The user, customer, channel partner, or any other person accessing our website clearly expresses and agrees that they have fully read and understood the Terms & Conditions and Privacy Policy of Credbharat.com – and they accept them unconditionally.
Representative APR Range
credbharat.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. credbharat.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.
The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example.
The APR on online personal loans can reach up to 1,386% or higher depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.
Implications of Late Payment
You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender's specific procedures that refer to late payments, please review your loan agreement or contact your lender directly.
Origination, documentation and other additional fees may affect your online personal loan deal. Late payment, non-payment fees and other penalties may concern both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.
Legal Disclaimer: This website does not constitute an offer or solicitation to lend. credbharat.com is not a lender and does not make loans or credit decisions. credbharat.com provides a connecting service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. credbharat.com does not charge a service fee. credbharat.com does not control and is not responsible for the actions or inactions of any lender. credbharat.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. Service availability and scope are subject to change without notice.
Subject to our privacy policy, credbharat.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer online personal loans up to 500000 INR. credbharat.com does not guarantee that completing an online form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.
Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Not all the lenders in our network can provide up to 500000 INR in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.
Consumer Notice: We remind that online personal loans for small INR amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small INR amount.