CreditJunction4U Independent platform · not a lender
⚡ Personal loan · 100% online

Get a personal loan up to ₹5,00,000

Verify on WhatsApp, share three details and get matched with RBI-registered banks & NBFCs. No fees, no paperwork with us.

  • Rates from 10.49% p.a.*
  • Tenure up to 60 months
  • No credit-score impact to check

Check your eligibility

Enter the mobile number you use on WhatsApp. We’ll verify it with a one-time code.

+91
Please enter a valid 10-digit mobile number
Please accept the terms to continue

🔒 Secure & encrypted · Your data is never sold

Verify your WhatsApp number

Enter the 4-digit code sent on WhatsApp to +91 XX******XX

The code comes from our verification partner Banking2Day.

Please enter the 4-digit code

Didn’t get it?

A little about you

This helps us match you with the right lender.

Please enter your full name
Please enter a valid email address
Please enter your city

No fees. No paperwork with us. The lender makes the decision.

Thank you!

Your enquiry is with our lending partners. You’ll get a WhatsApp update shortly from our partner Banking2Day, and a confirmation email.

Reference ID CJ-00000

🔥 While you wait: lifetime-free credit cards

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🔒 We never ask for a processing fee, OTP or bank password.

Get your loan in 3 steps

  1. 1
    Verify & share basicsWhatsApp OTP, name, email and city. Under 2 minutes.
  2. 2
    Get matchedWe share your enquiry with lenders whose criteria you meet.
  3. 3
    Finish KYC with the lenderComplete e-KYC and the agreement with the lender; funds go to your bank.

Who can apply

Age
21–60 years
Income
₹15,000+ per month
Residency
Resident of India
Documents
PAN & Aadhaar

Rates & charges

Loan amount
₹10,000 – ₹5,00,000
Interest
10.49% – 36% p.a.
Tenure
12 – 60 months
Processing fee
0% – 4% + GST
Pre-closure
0% – 4%, as per lender
Representative example: ₹1,00,000 at 14% p.a. for 24 months → EMI ₹4,801, total interest ₹15,231, processing fee 2% (₹2,000) + GST ₹360. Total payable ₹1,17,591; APR ~17.7%. Final terms are set by the lender.

Questions

Is CreditJunction4U a lender?

No. We’re an independent platform that connects you with RBI-registered banks and NBFCs. Approval and terms are decided by the lender.

Why does the OTP come from Banking2Day?

Banking2Day is our verification and processing partner. It sends your OTP and updates on WhatsApp on our behalf.

Does this affect my credit score?

No. Submitting an enquiry here doesn’t. A lender may run a credit check only when you proceed with them.

Are there any charges?

None from us. If anyone asks you for a fee, OTP or password in our name, don’t pay. Write to grievance@creditjunction4u.com.