Many people think they can’t get a loan due to a low CIBIL score, but private lenders do provide loans if you have the right documentation. At Kredit Station, we prepare a Project Report & CRM Report that highlights your loan purpose, repayment capability, and business potential—helping you get loan offers even with a low CIBIL score.

This is a one-time payment (inclusive of GST) that covers: ✔ Project Report – A structured document showcasing your loan requirement and repayment capacity. ✔ CRM Report – A financial analysis report to increase lender trust. ✔ MSME Udhyam Registration – For businesses to get better loan options. ✔ Lender Matchmaking – We submit your report to multiple private lenders and get you loan offers. This fee ensures you have a well-documented application that increases approval chances.

We simplify the loan process in 4 easy steps: 1️⃣ Submit Your Application – Fill in basic loan details on our website. 2️⃣ Report Preparation – We create a Project Report, CRM Report, and MSME Udhyam registration as per your requirement. 3️⃣ Lender Matching – We send your report to our network of private lenders and collect multiple offers. 4️⃣ Choose & Connect – You select the best offer, and we connect you directly with the lender for agreement and fund disbursement.

We help individuals and businesses secure: Personal Loans – For medical expenses, education, travel, and other personal needs. Self-Employed Loans – Ideal for freelancers, small business owners, and independent professionals. Business Loans – For working capital, expansion, equipment purchase, or startup funding. Flexi Loans – Loans with flexible repayment and withdrawal options.

Once we submit your report to private lenders, it usually takes 5 to 7 days to receive offers. The final approval and disbursement time depends on the lender you choose. Some loans may be approved in a few days, while others may take longer based on verification.

No, ₹2,499 is a one-time service fee that covers documentation and matchmaking. However, lenders may have their own processing fees, which will be shared before finalizing the loan.

No, Kredit Station is not a lender. We are a loan consultancy service that connects you with multiple private lenders. Our role is to structure your loan application, prepare reports, and match you with lenders who are most likely to approve your loan.

You can contact our team via WhatsApp or Email, and we will provide real-time updates on your loan process.

Applying for loan at Kredit Station is simple: 1️⃣ Fill out the application form on our website. 2️⃣ Make a one-time ₹2,499 payment for report preparation and lender matchmaking. 3️⃣ Submit required documents, and we handle the rest! 4️⃣ Receive multiple loan offers, choose the best one, and get connected to the lender.

The ₹2,499 fee includes consultation, documentation (like project report or CRM report), connecting with private lenders, and support throughout the loan process. We ensure that all paperwork and eligibility enhancement steps are handled by us.

Kredit Station operates through multiple digital platforms to make the loan application process seamless and accessible: ✅ WhatsApp Business API – Quick & easy loan inquiry and profile submission ✅ Website Application – Users can apply through our official website ✅ Social Media (Facebook & Instagram) – For loan updates, offers & customer support Currently, Kredit Station does not have a mobile app, but our WhatsApp and website-based system ensures a smooth experience.

To process your loan application, you need to submit the following documents: ✔ Personal Identification Proof – Aadhaar Card, PAN Card ✔ Income Proof – Salary slips (for salaried) or Business Income Proof (for self-employed) ✔ Bank Statements – Last 6 months (to verify financial stability) ✔ Business Proof (if applicable) – MSME Registration & GST Certificate If you lack any of these documents, we will help create your loan profile and match you with lenders who accept alternate documentation.

The loan approval process at Kredit Station is quick and efficient: 1️⃣ Profile Submission & ₹2,499 Advisory Fee Payment – Same day 2️⃣ Loan Profile & Report Preparation – 24-48 hours 3️⃣ Lender Review & Matching – 3 to 7 days 4️⃣ Receiving Loan Offers – Once a lender shows interest, you get notified immediately 📅 Total Processing Time: 3 to 10 days, depending on lender interest and document availability.

Yes, you must meet the following basic requirements: ✔ Age: 21-60 years ✔ Minimum Monthly Income: ₹10,000+ (for salaried) or ₹15,000+ (for self-employed) ✔ Valid Documents: Aadhaar, PAN, and any additional lender-required documents ✔ Loan Amount Eligibility: ₹10,000 – ₹10,00,000 (private lenders), ₹1,00,000 - 2 Cr (Private Banks & NBFCs) Even if you have a low CIBIL score, we work with private lenders who consider alternate eligibility factors.

No, you only need to submit KYC once when you first apply. However, for a new loan request with a different lender, you may need to provide updated bank statements or income proof. If you are an existing Kredit Station customer, your loan profile is securely stored, and future applications can be processed faster.

Yes, you can still apply for a loan, but lenders prefer mobile numbers linked to Aadhaar for faster KYC verification. If your number is not linked, you may be required to submit: ✔ Aadhaar card scan + another government ID (Voter ID, Passport, etc.) ✔ Manual verification via a video KYC call (if required by lenders) For faster loan processing, we recommend linking your mobile number to Aadhaar.

No! Kredit Station specializes in helping people with low or no CIBIL scores. We work with lenders who evaluate borrowers based on income stability and repayment ability rather than just credit scores. 🔹 Above 700 CIBIL → Govt & Private Banks, NBFCs, Private Lenders (Loans up to ₹2 Cr) 🔹 650-700 CIBIL → NBFCs & Private Lenders (Loans up to ₹50 Lakh) 🔹 Below 650 CIBIL → Private Lenders (Loans up to ₹10 Lakh) Even if banks reject your application, we provide alternative lending solutions.

Loan amounts vary based on profile & lender assessment: ₹10,000 - ₹10,00,000 → Private Lenders (salaried/self-employed/startups) ₹1,00,000 - ₹50,00,000 → NBFCs & Private Lenders ₹2,00,000 - ₹2 Cr+ → Govt & Private Banks, NBFC

Our loan eligibility check is a two-step process: 1️⃣ Basic Information Collection: WhatsApp chatbot or website form asks for name, occupation, loan amount, purpose, and available documents. 2️⃣ Loan Profile Analysis: We review your income, financial status, and lender preferences and prepare a detailed report before submitting it to lenders. If lenders find your profile eligible, you receive loan offers with different interest rates and repayment terms.

Yes, you can cancel your application anytime before making the ₹2,499 advisory fee payment. However, once the payment is made, we immediately start processing your loan profile, and the fee becomes non-refundable as it covers: ✔ Loan Profile Structuring & Documentation ✔ MSME Udhyam Registration (if needed) ✔ Project Report & CRM Report Creation ✔ Lender Matchmaking & Submission If you don’t receive a loan, we provide one additional attempt with a reworked business model to increase your approval chances.

No, the loan amount can only be transferred to the bank account of the applicant who has applied for the loan. The private lender processes the fund transfer directly after approval. Kredit Station does not handle or process any financial transactions.

Some lenders may allow loan disbursement to a joint account, provided the primary applicant is one of the account holders. However, this depends entirely on the private lender's policy. Applicants may need to submit additional proof to confirm ownership of the account.

The loan is disbursed directly by the private lender to the bank account provided during the application process. Kredit Station only connects borrowers with lenders and does not facilitate fund transfers. Once a lender approves the loan, the borrower will be notified about the disbursement details.

Borrowers can use the loan for any legitimate purpose, including business expansion, personal financial needs, medical expenses, or home renovations. However, lenders may have their own restrictions on fund usage, such as prohibiting high-risk investments or unlawful activities. Kredit Station is not involved in monitoring loan usage after disbursal.

If you experience issues while submitting your loan profile, check if all required fields are properly filled and that documents are uploaded in the correct format. In case of persistent technical errors, try refreshing the page or restarting the process. If the issue is not resolved, reach out to the Kredit Station support team for guidance.

If the loan application is not progressing due to a technical issue, verify that all required details have been provided correctly. Check if your documents are clear and properly uploaded. If the problem continues, contact Kredit Station support, who will assist in resolving the issue so your loan profile can be processed smoothly.

If you are not receiving an OTP for e-sign verification, it could be due to network issues, incorrect phone number entry, or a delay in the SMS delivery system. Ensure that your phone number is active and linked correctly. If the issue persists, try requesting the OTP again after a few minutes or contact customer support.

Once an application is submitted, modifications to the loan amount are generally not allowed. If a borrower needs a different loan amount, they may have to cancel their existing application and reapply with the correct details. Approval of the new amount will depend on the lender’s review process.

No, Kredit Station does not accept documents via email. To ensure security and faster processing, all documents must be uploaded through our WhatsApp Business API or website portal. Lenders require documents in a specific format, and sending them through an unverified source like email can lead to processing delays or rejection.

If your profession is not listed in the available options, choose the closest alternative that best describes your work. If you are unsure, contact our support team via WhatsApp, and we will guide you on how to proceed with the correct category. Some lenders may have specific eligibility criteria for certain professions, and we ensure that your loan profile is submitted to the right lenders accordingly.

Profile verification can take 24-48 hours, depending on the number of applications being processed. If it is taking longer than expected, possible reasons include: ✔ High volume of loan applications ✔ Unclear or incorrect document uploads ✔ Incomplete or mismatched information in your application To avoid delays, ensure that all details are accurate and documents are clearly scanned. If verification is still pending after 48 hours, please reach out to our support team for an update.

Loan approvals depend on various factors determined by the private lenders. Common reasons for rejection include: ❌ Insufficient income to meet the lender’s repayment criteria ❌ Lack of necessary documents for loan processing ❌ High-risk financial history ❌ Mismatch in the information provided If your loan is not approved, we will review your application and attempt to match you with another lender. Additionally, we can guide you on improving your profile for better chances of approval.

Loan amounts are decided by individual lenders based on their risk assessment. Even if you are eligible, the lender may approve a lower amount than what was requested due to: ✔ Your income and repayment ability ✔ Financial stability and past loan history ✔ Lender’s risk policies In some cases, once a borrower repays the first loan successfully, they may become eligible for a higher loan in the future.

The loan amount you are eligible for depends on your profile, documents, and financial background. Even if a lender offers up to ₹5 Lakh, they assess each applicant based on: ✔ Income stability and business vintage (for self-employed) ✔ Past loan repayment history ✔ Type of profession and associated risk If you require a higher loan amount, we can attempt a reapplication with another lender or suggest ways to improve your eligibility.

Your bank account details are required for two primary reasons: ✔ Lenders use them for loan disbursal once approved ✔ To verify your financial transactions and assess repayment capacity Bank statements help lenders understand your financial behavior and determine your loan eligibility. Kredit Station does not store or use your banking details for any transactions.

Verification of the bank account ensures that: ✔ The account belongs to the borrower applying for the loan ✔ Lenders can process loan disbursement securely ✔ There are no mismatches that could lead to payment failures Lenders will not process a loan if bank details are incorrect or do not match the applicant's name.

For a bank account to be verified, it must: ✔ Be active and operational (not dormant or frozen) ✔ Be registered in the name of the loan applicant ✔ Have a transaction history that aligns with the borrower's financial profile ✔ Be linked with the applicant’s Aadhaar/PAN for verification If your account is not verified, lenders may request an alternate account or additional documents.

If your bank account verification fails, try the following: ✔ Ensure you provided the correct account details (account number, IFSC) ✔ Confirm that the account is active and not blocked ✔ Provide an alternative bank account under your name ✔ Contact your bank to check for any issues with verification If the issue persists, Kredit Station can assist in finding an alternative lending solution based on available financial details.

No, having a bank account is mandatory for loan approval and fund disbursal. Since private lenders transfer funds directly to the borrower’s verified account, an active bank account is required to receive the loan. If you do not have a bank account, you must open one before applying for a loan.

If your Aadhaar and PAN details do not match due to name or DOB discrepancies, lenders may require additional verification. You may be asked to: ✔ Provide alternative identity proof (Voter ID, Passport, etc.) ✔ Update your Aadhaar or PAN details before reapplying ✔ Submit a manual verification request for lender approval To avoid delays, ensure all documents have the same name and details before applying.

Once a loan application is submitted, changing bank details may require lender approval. Some lenders may allow modifications, but others may require the borrower to reapply with updated bank details. If you need to change your bank account, contact Kredit Station’s support team for assistance.

If multiple lenders approve your application, you will receive different loan offers with varying amounts, interest rates, and repayment terms. You can choose the best option that suits your needs. Kredit Station will provide guidance on comparing offers, but the final decision is entirely up to the borrower.

nterest rates and repayment terms are determined by the lenders based on: ✔ Your financial profile ✔ Loan amount requested ✔ Risk assessment of repayment ability While Kredit Station helps match borrowers with the best available offers, interest rates are fixed by the lender and are typically non-negotiable.

If you are unable to repay on time, the lender may charge a late payment penalty or higher interest rates. In some cases, failure to repay can lead to legal action or loan recovery processes by the lender. If you anticipate difficulties in repaying, it’s best to contact the lender immediately to discuss possible restructuring options. Kredit Station does not handle repayment matters as it is managed directly by the lenders.