Question 1

How do I check my loan eligibility for free?

Accepted Answer

Use credzen's KYL (Know Your Lender) tool. Answer a few questions about your income, expenses, and existing loans. Get your readiness score in 3 minutes — completely free, no bank login required.

Question 2

Does checking loan eligibility affect my CIBIL score?

Accepted Answer

No. credzen does not perform a hard enquiry on your CIBIL report. The Lite score is based on self-declared data. Only the optional Pro report with your consent accesses bureau data via a soft enquiry, which does not impact your score.