Credit score

Your score out of 900, and what is actually dragging it down.

Most apps show you a number. A number on its own tells you nothing you can act on. Finsa reads your Equifax report and breaks the score into the six weighted factors behind it, so you know which one to work on first and roughly what it is worth.

Knowing your score is not the useful part. Knowing which factor is costing you is.

In short

Finsa shows your Equifax credit report and score out of 900 free, refreshable monthly, with the six factors moving it, after your explicit consent and an OTP; it is a soft enquiry that does not affect the score. Finsa is not a bureau or a lender, and charges nothing for the report.

Check your score free →Free · soft check · never affects your scoreShare on WhatsApp

How it works

  1. 01

    Check free, in about two minutes

    Name, mobile, and an OTP you verify yourself. Checking is free and is a soft enquiry, so it never affects your credit score.

  2. 02

    See the six factors

    Payment history, credit utilisation, EMI burden, recent enquiries, credit age and mix, and any overdue accounts — each scored and weighted, each explained plainly.

  3. 03

    Refresh it monthly

    Lenders report to the bureau monthly. Finsa lets you refresh once a calendar month, from the 10th, which is when the new data has actually landed.

Questions people ask

Does checking my credit score lower it?
No. Finsa runs a soft enquiry, which is visible only to you and never affects your score. What does affect it is applying to several lenders directly in a short window — each of those is a hard enquiry that stays on your file.
Which bureau does Finsa use?
Equifax. You see the same 300–900 score lenders see when they assess you.
Is it really free?
Yes. No card, no subscription, no trial. Finsa is paid a commission by the lender if you eventually take a loan through it, which is why the check costs you nothing.
What is a good credit score in India?
Above 750 is generally treated as strong and gets you the widest choice of lenders and the better rates. Between 650 and 750 you will usually still be approved, but priced higher. Below 650 the options narrow considerably.
The bureau has something wrong on my report. What now?
You can correct EMI, rate and tenure inside Finsa so your analysis is accurate. Correcting the bureau's own record has to be raised with Equifax directly, and the app shows you how.
Does Finsa charge a processing fee?
Finsa charges no processing fee and no fee of any kind: the credit report, the offers and the match are free to the borrower. Finsa is paid by the lender on disbursal. Any processing fee of the lender's own is shown on its Key Fact Statement before you sign, and you can compare offers on that.

Before you apply

Apply once, not bank by bank.

Check your credit report free, and let the lenders come to you.

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What do you need?
₹

From ₹50,000 to ₹60,00,000. 3l and 3 lakh both work.

₹

Your net monthly take-home. 45k and 1.2 lakh both work.

Where you live. Lenders check it against the areas they serve.

Checking eligibility is a soft inquiry and does not affect your credit score. We use your details only to match you with lending partners. We never sell your data.

Finsa is a Lending Service Provider, not a bank or an NBFC. We do not lend or set rates — every credit decision, interest rate and fee belongs to the lending partner.