Rates and tenures are set by the lender after assessing your profile (credit score, income stability, employer/business, obligations and past repayment history). Compare Annual Percentage Rate (APR)—which factors interest plus certain fees—to estimate total cost. Your final sanction letter governs applicable rate, tenure, and charges.

Eligibility depends on age, KYC, income stability, debt-to-income (DTI) ratio, and credit history. Lenders may also consider employer category, city, and banking behaviour. • Typical age range: 21–60 years (varies by lender). • Keep total EMIs ≤ ~40–50% of net monthly income. • Maintain a clean repayment record and stable employment/business continuity.

Exact requirements vary by lender and profile. Common items include: • KYC: PAN, Aadhaar, address proof. • Income: Last 3–6 months’ salary slips (salaried) or ITR/GST returns (self‑employed). • Bank statements: Typically 6–12 months. • Additional proofs as requested (employment letter, rent/utility bills, etc.).

Personal-loan ticket sizes can range from a few thousand rupees to multiple lakhs, with tenures commonly from 6 to 60 months. The sanctioned amount depends on income, obligations, and policy.

Digital journeys can be quick when data is complete; manual verifications and complex profiles may take longer. Submitting accurate documents and maintaining clean bank statements speeds up evaluation.

Browsing information with SmartFinBox does not impact your score. When you submit a full application to a lender, they may perform a hard bureau inquiry, which can temporarily lower your score by a few points. Avoid multiple applications in a short span.

As a rule of thumb, 750+ is considered strong for mainstream unsecured credit. However, lenders evaluate your overall risk profile—not just the score.

EMI depends on loan amount, interest rate, and tenure. Use an EMI calculator to compare scenarios and stress-test affordability (e.g., assume a +2% rate shock).

Most lenders allow part-prepayment or foreclosure subject to lock-ins and charges. Ask for a pre-closure statement and compare fees versus interest saved. • If cash flows allow, prefer tenure reduction for greater interest savings. • Keep an emergency fund intact before making large prepayments. • After closure, obtain a no-dues/closure letter and check bureau update in the next cycle.

Charges vary by lender and product. Common items include processing fees, documentation charges, credit-protection insurance (optional/required as per policy), late payment charges, and foreclosure/part-prepayment charges. Always review the sanction letter and MITC (Most Important Terms & Conditions).

You may incur late fees and collection follow-ups; your credit report can be negatively affected. If you foresee stress, contact the lender proactively to discuss options (rescheduling, part-payment).

Possibly—approval is discretionary. Lenders may offer smaller amounts, higher rates, request a co-applicant/guarantor, or suggest secured alternatives. • Improve odds by reducing credit-card utilisation (<30%), paying on time, spacing out applications, and cleaning bank-statement conduct for a few months.

You will receive updates by email/SMS from the lender or SmartFinBox. You can also reach us for a status check: • Email: support@smartfinbox.com • Phone/WhatsApp: +91-8123476511

No. SmartFinBox is a loan discovery and credit-education platform by Bubbling Pot LLP. We introduce you to partner banks/NBFCs and help you understand offers. Approval, rate, and tenure are decided solely by the lender.

We do not charge any upfront fee to individual borrowers. If a loan is disbursed, SmartFinBox may receive a fee/commission from the partner lender; this does not increase your interest rate.

Personal loans are typically multi-purpose, subject to lawful use. Disclose the purpose truthfully if asked—misrepresentation can lead to rejection or recall.

You may re-apply after addressing the cause (e.g., high DTI, documentation gaps, thin file). Give it a few months to improve score/statement conduct, or consider alternative products (secured/gold/FD-backed).

Some products bundle a savings/current account for disbursal or repayment automation. It is not universally mandatory—evaluate convenience, charges, and benefits before proceeding.

We follow reasonable security practices, collect only what is necessary, and share information with relevant service providers/lenders with your consent. Refer to our Privacy Policy for full details. • You may request data access/correction/deletion by emailing support@smartfinbox.com. Certain records may need to be retained to comply with law or for legitimate business purposes.

Yes. Expect KYC, business continuity proofs, ITRs, GST returns (as applicable), and bank statements. Approval considers cash-flow stability and obligations.

Co‑applicants combine incomes and may improve eligibility; guarantors assume liability if the borrower defaults. Missed EMIs can impact the bureau reports of all parties. • Formalise contribution splits and monitor the account even if you are only a guarantor.

Not universally. Some lenders may offer/require credit protection insurance. Consider the cost-benefit and read policy terms before opting in.

No. We provide discovery, comparisons, and guidance. Approval and pricing rest solely with the lender. No guarantees are implied.

Start small, keep utilisation low, and build a repayment track record. Secured cards or small-ticket consumer loans—when used responsibly—can help establish credit history

Prefer RBI‑regulated lenders; verify registration and company details. Avoid apps demanding invasive permissions or upfront fees. Check reviews and official domains; never share OTPs/PINs.

Our core focus is unsecured personal loans and credit education. We may share guidance or introductions for other products depending on partner availability.

Cards can help build credit if bills are paid on time and utilisation stays low. Revolving balances and late payments can damage your score.

Grievance Officer: Suhas B

Write to support@smartfinbox.com with “Grievance” in the subject. We aim to acknowledge and resolve promptly (typically within 7–15 working days, depending on complexity).

Support: support@smartfinbox.com
+91-8123476511

Owner: Bubbling Pot LLP
www.smartfinbox.com