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Home/How it works
Process · 3 steps

No agents. No paperwork in triplicate.

From your first click to a sanctioned loan, here's exactly what happens — and what doesn't.

STEP 01

Tell us about you.

A short form — name, age, city, monthly income, employment type, and the loan amount you're considering. Takes about 60 seconds, in plain language with no banking jargon.

STEP 02

See your real offers.

We run a soft credit pull (invisible to other lenders, zero impact on your CIBIL score) and match your profile to 60+ partner banks and NBFCs. You see actual interest rates and EMIs, not "starting from" marketing prices.

STEP 03

Pick. Apply. Done.

Choose the best offer and we hand it off to the lender. Upload documents once — we share them only with the lender you chose. Your dedicated relationship manager stays with you until disbursal lands in your account.

What we do for you.

  • Match your profile to lenders who will actually approve you, based on a soft credit pull
  • Show you side-by-side offers — interest rate, processing fee, tenure, total cost of credit
  • Help you fill the lender's application form and collect documents
  • Track your application status with the lender daily and update you
  • Handle queries, clarifications, and re-submissions on your behalf
  • Provide a dedicated relationship manager for any loan above ₹10 lakh

What we don't do.

  • We are not a lender. We do not sanction or disburse loans ourselves
  • We do not decide your interest rate — that's the lender's call, based on their assessment
  • We do not charge you any fee for our service. Our partner lenders pay us a referral fee on completed disbursals
  • We do not collect EMIs. Your repayments go directly to the lender
  • We do not sell or share your data with anyone outside the specific lender you choose to apply to
  • We do not call you 47 times a day. Promise.

How we make money.

BazaarBraker earns a referral fee from the partner lender whenever a borrower applies through our platform and the loan is successfully disbursed. The fee is paid by the lender — never by you. There is no fee for using our platform, regardless of whether you eventually take a loan.

Importantly, our referral fee is roughly the same across our partner lenders. We do not have any incentive to push you towards one lender over another. We show you the best offer for your profile — not the best offer for our balance sheet.

FAQ

Common questions.

Everything you should know before applying.

Yes, completely. We do not charge you any fee at any stage. Our partner lenders pay us a small referral fee on successful loan disbursals, which is how we keep the lights on. There are no hidden charges, no premium tier, no subscription.
No. Your information is shared only with the specific lender(s) you choose to apply to. We do not sell data to third-party telemarketing, insurance, or unrelated financial-services companies. This is in our Privacy Policy and is enforced by our technical access controls.
No. We use a soft inquiry, which is invisible to other lenders and does not reduce your score. A hard inquiry (the kind that does affect your score) only happens after you choose a specific lender and they formally process your application.
Yes. You can compare and apply for personal, home, business, and other loans simultaneously. However, multiple hard inquiries in a short window can hurt your score, so we recommend choosing one or two lenders to formally apply to, rather than spraying applications.
It happens. The lender will share the reason (income, score, employment type, location, etc.) and we'll suggest alternatives — either different lenders, a smaller loan amount, or a co-applicant strategy that might improve your chances. Rejection at one lender doesn't disqualify you elsewhere.

Stop overpaying.
Start comparing.

Three steps. Ninety seconds. Zero impact on your credit score. See what real lenders will actually offer you.

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