Frequently Asked Questions

Credsure Financial Consultancy is a Direct Selling Agent (DSA) located in Vadodara. We assist individuals and businesses by guiding them to appropriate loan products offered by our partner banks and NBFCs.

No, we are not a bank or lending institution. We function as a consultancy and DSA, meaning we facilitate your application but do not directly disburse funds.

We primarily serve clients based in Vadodara and the surrounding regions in Gujarat.

The minimum age typically ranges from 21 to 23 years, depending on the specific loan product and the lending institution's policies.

Income requirements vary by lender and your geographic location. Generally, lenders prefer applicants with a stable and verifiable monthly income.

Yes, self-employed professionals and non-professionals can apply. Lenders will typically review business vintage, ITRs, and financial statements to assess eligibility.

While specific requirements differ among banks, a higher credit score (generally above 700) improves the likelihood of a favorable lending decision.

Commonly required documents include Identity Proof (PAN, Aadhaar), Address Proof, and relevant financial documents (salary slips, bank statements, or ITRs).

Yes, most loan products require verifiable income proof. Salaried individuals usually need salary slips, while self-employed individuals need Income Tax Returns (ITR).

Our team can guide you on alternative acceptable documents or assist you in understanding what is strictly required to proceed with an application.

Processing time depends entirely on the loan type and the lending institution. Personal loans may take a few days, whereas Home or Business loans can take longer due to required verifications.

Yes, we stay in touch with the lending institution and provide you with regular updates regarding your application status.

Our representative will contact you to understand your requirements, check basic eligibility, and advise you on the next steps for documentation.

Applying for multiple loans simultaneously can impact your credit score negatively. We assist by recommending a suitable lending partner to minimize unnecessary applications.

Interest rates are set strictly by the lending institution based on your credit profile, loan amount, tenure, and prevailing market rates.

A strong credit score, stable income, and existing relationship with a bank can often help in securing more favorable rates as determined by the lender.

Fixed rates remain constant throughout your loan tenure. Floating rates can fluctuate based on broader economic changes and central bank policies.