The ground rules for using wowcred.com. Effective: July 2026.
WowCred is a loan distribution / direct selling agent (DSA) service. We source and forward loan applications to RBI-regulated banks and NBFCs, assist with documentation and follow-up, and provide free financial calculators. We are not a lender. All credit decisions — approval, amount, rate, tenure and disbursal — rest solely with the lender.
Eligibility results, indicative rates and EMI figures on this site are estimates for guidance only. Displayed "starting" rates are the lowest currently offered by partner lenders to the best-qualified profiles and are marked with an asterisk (*). Your final terms depend on the lender's assessment.
Our service is free for borrowers. We never collect advance fees, file charges or deposits. Lender charges (processing fee, stamp duty, insurance you opt into) are payable only to the lender at sanction through official lender channels. We earn a sourcing commission from lenders after disbursal.
From time to time WowCred runs a Processing-Fee Refund Offer under which we refund, from our own commission, up to 100% of the processing fee charged by the lender on eligible loans sourced through WowCred. Key terms:
(a) The offer applies only to select lenders, products and loan amounts, as confirmed in writing by WowCred for your specific file before disbursal. (b) The refund is paid after successful disbursal and after WowCred receives its commission from the lender, typically within 45–60 days of disbursal. (c) The refund covers the lender's processing fee only — it excludes GST, stamp duty, insurance, legal/valuation and other statutory or third-party charges. (d) The refund is void if the loan is cancelled, or foreclosed within the lender's clawback period. (e) The offer is discretionary and may be modified or withdrawn prospectively at any time; WowCred's written confirmation for a file is conclusive. (f) The offer cannot be exchanged for cash in advance or combined with other WowCred promotions unless stated.
You confirm the information you submit is accurate and belongs to you, and that you're 18+ and legally capable of contracting. Submitting another person's details without authority is prohibited.
By submitting a form you authorise WowCred and its lending partners to contact you via call, SMS, WhatsApp and email regarding your enquiry and related offers, overriding DND registration, until you withdraw consent.
Tools and articles are educational, not financial, legal or tax advice. Verify material figures with the lender's sanction letter and your professional advisors before acting.
To the maximum extent permitted by law, WowCred is not liable for lender decisions, delays, or indirect or consequential losses arising from use of this site or our services.
Site content, design and tools belong to WowCred. Don't scrape, copy at scale, or attempt to disrupt the site.
These terms are governed by the laws of India; courts at our registered office's city have exclusive jurisdiction. Continued use of the site means acceptance of the latest terms on this page.