HELP CENTER

Answers, before you have to ask.

Applying for a loan

How long does it take to get matched offers?

Comparison is instant — enter your loan requirement and profile, and you'll see every matched lender ranked by all-inclusive APR immediately, along with any lenders that didn't match and why.

Does checking my eligibility affect my credit score?

No. Comparing offers on LoanConnectIndia uses the details you provide, not a bureau pull, so it never affects your CIBIL score.

Can I apply through an agent instead of myself?

Yes — a DSA/agent partner can source and submit your application on your behalf, but only you can acknowledge your own Key Fact Statement.

Key Fact Statement & cooling-off

What is a Key Fact Statement (KFS)?

A single-page summary of your loan's all-inclusive APR, every fee, the recovery mechanism, and grievance contacts — mandatory under RBI's Digital Lending Directions, 2025, before any loan is finalised.

What is the cooling-off period?

After you acknowledge your KFS, you have a window (minimum one day, typically three) to exit the loan without penalty if you change your mind.

Why can't my loan be approved before I acknowledge the KFS?

It's a hard compliance gate on the platform — approval and disbursal are technically blocked until the borrower has acknowledged their KFS, with no exceptions, including for AI-assisted workflows.

Repayment

Where can I see my EMI schedule?

Your dashboard's EMI Schedule page shows the full reducing-balance amortization — principal, interest and balance for every instalment.

What happens if I miss an EMI?

You'll be contacted via SMS/WhatsApp/email/call per your lender's board-approved recovery policy, with field visits only between 08:00–19:00.

Data & privacy

Is my data stored in India?

Yes — data residency in India is enforced, and PII (like PAN) is encrypted at rest.

Can I withdraw a consent I've already given?

Yes, any time, from Privacy & Consent in your dashboard — for example, marketing messages or a credit-bureau pull for a specific purpose.

Grievance redressal

Who do I contact if I have a complaint?

Our Grievance Redressal Officer, Priya Nair (grievance@loanconnectindia.in / 1800-123-4567). If unresolved in 30 days, escalate to the RBI Ombudsman via the Sachet portal.

Full regulatory details — Regulated Entity partners, grievance officers, and the RBI Sachet/Ombudsman links — are on our public disclosure page. Still stuck? Visit our Contact page.