Wishfin

Check your credit score for free with the Wishfin CIBIL Score App. Get access to a detailed credit report and keep an eye on your repayment status to maintain good credit health. You can also apply for personal loans and credit cards through our app and get instant approval.

Points to Remember on CIBIL Score:

· A CIBIL Score is a three-digit number that represents your creditworthiness. The CIBIL credit score scale starts from 300 and ends at a maximum of 900. If you have a credit score of 700 and above, it is considered excellent by banks. Therefore, it is necessary to keep an eye on your CIBIL Score by checking it monthly.

· Wishfin is the first official fintech partner of TransUnion CIBIL (Credit Information Bureau of India). TransUnion is the company that provides you with the official CIBIL score.

· Checking your CIBIL Score every month on the Wishfin App won’t impact your Credit Score.

· All Information you enter directly goes to TransUnion CIBIL. It's secure and protected.

· Please note that a 0 or -1 score is not necessarily bad. It only means you have no credit history and CIBIL cannot assign a score. The moment you start using a credit card or paying EMIs, your credit score history will start.

Features of the Wishfin App:

· Check CIBIL score FREE for 12 months

· Monitor card repayment status & credit utilization

· Get a detailed Credit Report & Credit History Summary

· Check monthly progress of Credit Score

· Recommended products based on your free CIBIL Score.

. Choose from a wide range of Personal loans from India's top NBFCs like Tata Capital Limited, DMI Finance Private Limited, Piramal Capital and Housing Finance Limited, IIFL Finance Limited, and Fibe.

Customers applying for a Personal Loan should note that:

. Loan amounts range from a minimum ₹10000 to a maximum ₹50 Lacs.

. Depending upon the individual applicant's profile and the lender, the APR (Annual Percentage Rate) of a personal loan may vary, with the lowest interest rates ranging from 10.50% to a maximum of 28%.

. Repayment tenure starts from a minimum of 12 months to a maximum of 60 months.

. The processing fee ranges from a minimum of 2% to a maximum of 4%.

Representative Example:

For a principal amount of ₹500,000 with an APR of 20% over a repayment tenure of 3 years, the Total Cost of the Loan is as follows:

Equated Monthly Installment (EMI): ₹18,582

Total Interest Charges: ₹168,945

Loan Processing Fees @ 2% of the principal: ₹10,000

Documentation Charges: ₹500

Amortization Schedule Charges: ₹200

Total Cost of the Loan: ₹679,645

. In case of a change of payment mode or any delay or non-payment of EMIs, additional charges / penal charges may also be applicable, depending on the lender's policy.

. Pre-payment options may or may not be available and applicable charges for the same may vary depending upon the lender.

Credit Cards

The credit card apply process is super easy and hassle-free with Wishfin. Check out the main advantages:

. Instant credit card apply from India’s top banks

. Approval of credit card application in minutes

.Compare different credit cards and select the best one

.Explore features and rewards on each card

Why Download the Wishfin CIBIL Score App?

A Complete Credit Management App: Track your credit score and get low-interest personal loans, all within the app.

Safe and Secure: We keep your information private and never share it with anyone else.

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About Wishfin:

Wishfin runs customer-friendly, neutral, financial marketplaces that leverage proprietary tech to ensure customers discover the right banking solution for their needs. To empower users, Wishfin provides a free credit score from CIBIL. Wishfin now has more than 56 million customers and has disbursed more than ₹25,000 Crore worth of credit through its platform.

Contact Us:

Helpdesk: - +91-8882935454

E-mail: appsupport@wishfin.com