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.
What is the minimum credit score for a personal loan?
Most lenders start looking at around 700, and the sharpest rates sit above 750. A score is not the whole test though: a good score with most of your income already going out as EMIs is refused more often than a middling score with room to spare.
Why is my score different on CIBIL, Experian or CRIF High Mark?
Because they are four different companies scoring four slightly different files. India has four RBI-licensed bureaus, TransUnion CIBIL, Equifax, Experian and CRIF High Mark, each lender reports to them on its own cycle, and each runs its own model on the 300 to 900 scale. A gap of a few dozen points is normal; a hundred or more usually means an account is missing or mis-reported at one of them. Why the two scores differ →
How often can I check it?
As often as you like. Checking your own report is a soft enquiry, visible only to you, and it never moves the score however many times you do it. Finsa refreshes the report monthly so you can watch a change land rather than find out at the point of applying.
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.
ಸಿಬಿಲ್ ಸ್ಕೋರ್ ಚೆಕ್ ಮಾಡುವುದು ಹೇಗೆ? (How to check your credit score, in Kannada)
Finsa ಆಪ್‌ನಲ್ಲಿ ಉಚಿತ: ಒಪ್ಪಿಗೆ ಮತ್ತು ಒಂದು OTP, ನಿಮ್ಮ Equifax ಸ್ಕೋರ್ (300 ರಿಂದ 900) ತಕ್ಷಣ. ಇದು ಸಾಫ್ಟ್ ಎನ್‌ಕ್ವೈರಿ, ಸ್ಕೋರ್ ಕಡಿಮೆಯಾಗುವುದಿಲ್ಲ. ಸಿಬಿಲ್ ಮತ್ತು Equifax ಎರಡೂ RBI-ಪರವಾನಗಿ ಪಡೆದ ಕ್ರೆಡಿಟ್ ಬ್ಯೂರೋಗಳು. In English: free in the Finsa app, consent and one OTP, your Equifax score out of 900 at once. It is a soft enquiry and never lowers the score. CIBIL and Equifax are both RBI-licensed credit bureaus.
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.

+91
Are you salaried?
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.

What a loan through Finsa costs

Tenure
Repayment runs from 6 months to 60 months.
Rate
Lending partners price personal loans from about 9.99% to 24% a year, on a reducing balance. Your rate is set by the lender from your credit profile, not by Finsa.
Example
Worked example: on ₹3,00,000 over 36 months at 14% a year, the EMI is ₹10,253 and the total repaid is ₹3,69,118, of which ₹69,118 is interest.
Fees
Finsa charges no processing fee and no fee of any kind. A lender's own processing fee, insurance or GST is extra, and each one is stated on the Key Fact Statement you get before signing.