Credway is a loan enquiry platform. You share one enquiry, and a loan expert calls you to explain personal loan options from banks, NBFCs and direct selling agents (DSAs). We are not a lender: the lender you choose decides approval, interest rate, fees and timeline. Here is exactly what happens, step by step.
- It is free for you, and you are never obliged to take a loan.
- You only submit documents to the lender you decide to go with.
- Credway never asks you for money, OTPs or passwords.
The process, step by step
| Step | What you do | What happens next |
|---|---|---|
| 1. Share your enquiry | Fill in the short form on our home page with your loan amount, income range, employment type and city, and tick the consent box. | Your enquiry is saved and passed to the partners who may be able to help, as described in our Privacy Policy. |
| 2. Get a call | Pick up a call from a loan expert. You can say at any time that you do not want to continue. | They ask about what you need and explain options that may suit your profile. |
| 3. Compare the options | Ask each lender for its Key Fact Statement and compare the APR, fees and total repayment. Our guide on how to compare personal loan offers shows how. | You decide which lender, if any, you want to proceed with. |
| 4. Apply with your choice | Share your documents with the lender you chose. See documents required for a personal loan. | The lender checks your documents (KYC) and credit history. |
| 5. The lender decides | Wait for the lender’s decision. Do not pay anyone to speed this up. | If approved, the lender sends the loan terms. Read them fully before you accept. |
| 6. Disbursal | Accept only if the terms suit you. | The loan is paid into your own bank account. How long all this takes depends on the lender and on how quickly your documents are verified. |
How long does it take?
We cannot give a single timeline, because approval and disbursal are the lender’s process. Some applications are quick and some take longer, especially if documents are missing or do not match. Your loan expert can tell you what the lender you choose usually needs. See documents required for a personal loan to get ready in advance.
Why people use Credway
- One enquiry instead of many forms.
- A real person to talk to, who explains the options in plain language.
- Free for borrowers. Credway does not charge you. We may receive a fee from a lending partner if you take a loan; see How Credway makes money.
- No obligation. You can compare and walk away.
Staying safe
- Credway never asks borrowers for fees, OTPs, PINs or passwords. Never pay anyone to “guarantee” a loan.
- Before sharing documents, check who the lender is. See how to check a lender’s credentials and how to spot loan scams.
- A genuine loan is paid into your own bank account, and you should receive a Key Fact Statement before you sign.
Your data
We collect only what is needed for your enquiry. We share it with lending partners and DSAs only with your consent, and you can withdraw consent at any time by writing to loansupport@credway.in. Details are in our Privacy Policy. [CONFIRM: add a sentence about how your partners are checked, only if you actually do check them.]
Common questions
Is Credway a lender?
No. We are an enquiry platform. Lenders decide everything about the loan.
Do I have to take a loan if I submit an enquiry?
No. There is no obligation at any step.
Can you guarantee approval?
No, and nobody honest can. Be careful with anyone who does.
Who will call me?
A loan expert, at the number you gave. You can tell them to stop at any time.
What if I have a complaint?
Write to loansupport@credway.in or use the grievance officer details on our Contact page.
Ready to start?
It takes about a minute, it is free and there is no obligation.
Credway is not a lender. Approval, loan amount, interest rate, fees and timeline are decided by the lender. This page is general information, not financial advice.