Personal, business & home loans across India — matched to the lowest rate your profile deserves, with a real human who fights for it. Free, forever.
Zero advance fees — ever. We only work with RBI-regulated lenders and never ask for money before disbursal.
Transparent starting rates. Real approvals. Your dedicated manager on every file.
Our engine screens 40+ lender policies against your exact profile, so you apply only where you'll win the best rate.
On select disbursals we refund up to 100% of the lender's processing fee — making WowCred cheaper than going direct.
A dedicated loan manager owns your file — chases the bank, fixes queries, and picks up your call. No call-centre roulette.
We collect and verify documents from your home or office in 500+ cities. You never stand in a bank queue.
Low CIBIL, new business, multiple EMIs? We structure and place tricky files with the right lender every day.
You never pay WowCred. All lender charges are paid only at sanction, through official lender channels. Fully transparent.
One short form. We do the running around.
2-minute form or a chat with Wow AI. No documents needed to see offers.
⚡ 2 minutesOur engine screens 40+ lender policies; your dedicated manager negotiates the rate down.
⏱ within 30 minCompare your best 3 offers side by side — EMI, rate, fees. Zero pressure, you decide.
🤝 your callDigital KYC and doorstep document pickup. Money lands directly in your bank account.
💸 24–72 hrs*The same calculators our loan experts use — free for everyone, forever.
Exact monthly EMI with a full year-by-year repayment schedule.
Calculate → FREESee the maximum loan your income can get — before any bank does.
Check now → FREEFind out how many lakhs a lower rate saves on your existing loan.
See savings → FREEThe true total-cost verdict between any two loan offers, instantly.
Compare →Final rates depend on lender, credit score and profile. We negotiate; you save.
| Loan type | Starting rate (p.a.) | Max amount | Max tenure | Typical processing fee |
|---|---|---|---|---|
| Personal Loan | 10.25%* | ₹50 Lakh | 6 years | 0.5% – 3% (refund offer*) |
| Business Loan | 12.75%* | ₹5 Crore | 7 years | 1% – 3% |
| Home Loan | 7.35%* | ₹10 Crore | 30 years | 0.25% – 1% |
| Balance Transfer | from 7.35%* | existing outstanding | as remaining | often waived |
"My bank quoted 13.5%. WowCred got the same amount from another bank at 11.1% — and my processing fee came back as a refund. Unreal."
"As a kirana wholesaler with messy paperwork, three banks said no. WowCred structured my file on GST returns and got ₹32 lakh sanctioned in 6 days."
"They handled my home-loan balance transfer end to end. EMI down by ₹6,400 a month, documents picked up from my office. Zero visits to any branch."
Yes — WowCred is 100% free for borrowers, with no advance fees ever. We are an authorised distribution partner (DSA) for banks and NBFCs, and the lender pays us a sourcing fee after your loan is disbursed. Your interest rate is never marked up because of us; in fact we negotiate it down.
We work with 40+ RBI-regulated lenders across India — including HDFC Bank, ICICI Bank, Axis Bank, Kotak, IDFC FIRST, Bajaj Finserv, Tata Capital and more. Based on your profile, we shortlist the 3 lenders most likely to approve you at the lowest rate.
No. Checking offers on WowCred is a soft assessment based on details you share — it never touches your credit report. A hard enquiry happens only after you choose a lender and formally apply, which is standard for every loan in India.
Personal loans are typically disbursed in 24–72 hours after document verification; pre-approved profiles can be same-day. Business loans take 3–7 days and home loans 5–15 days depending on property paperwork. Your loan manager tracks every step for you.
On select disbursals, WowCred refunds up to 100% of the processing fee you paid to the lender — credited after disbursal as per the offer terms. It's our way of making your loan effectively cheaper than going to the bank directly.
Never. We do not collect advance fees, file charges, insurance deposits or 'approval charges'. Any payment (like a processing fee) is paid only to the lender, only at sanction, through official lender channels. Anyone asking for money upfront in our name is a fraudster.
Join thousands of smart borrowers across India. Free eligibility check, offers in 30 minutes, zero advance fees.