How we make money

Free for you. Honest by design.

We think you deserve to know exactly how a company that helps you borrow makes its money. Here's the whole truth — there isn't a catch.

The model

How a rupee actually flows

You never pay Vyaaj a fee. The lender pays us a referral fee — and only when your loan is successfully disbursed.

Step 1

You compare offers

Free, with a soft check that never touches your credit score.

Step 2

You pick a lender

The offer that's genuinely right for you — your choice, no pressure.

Step 3

The lender pays Vyaaj

A referral fee, paid by the lender — not you — for the introduction.

Step 4

You repay the lender

Your EMIs go straight to the lender. You never owe Vyaaj anything.

Because every lender pays us in a similar way, we have no reason to favour one over another. We rank your offers by what's cheapest and best for you — full stop.

No conflict of interest

Why this keeps us honest

The clearest way to judge a marketplace is by what it refuses to do.

What we always do

  • Rank offers by your total cost, lowest first
  • Show every fee and the true APR on each offer
  • Treat all lenders the same, regardless of fee
  • Keep comparison free for every borrower
  • Use a soft check that protects your score

What we never do

  • Take payment to push a costlier loan
  • Let a higher commission change your ranking
  • Charge you hidden or upfront fees
  • Sell your data to third parties
  • Hide terms in fine print to trip you up

Now that you know the deal — compare away

It's genuinely free, and it won't touch your credit score. See your offers in two minutes.