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After you apply with a lending partner, the partner verifies your details, runs a credit assessment, may request documents or clarifications, and then issues its decision.\n\nAppearing in ShivLoans results does not mean approval. Approval, amount, rate, tenure and fees are decided solely by the lending partner.
Guides · 5 min read
How Loan Approval Works
The steps between submitting an application and a lender's decision.
ShivLoans is a loan marketplace and does not itself provide loans. Loan offers are provided by RBI-registered lending partners and are subject to their eligibility criteria, credit assessment and terms.
Who Provides Your Loan?
ShivLoans does not provide, sanction or disburse loans. We operate as a digital marketplace that helps customers discover and connect with lending partners. Loan products available through the platform are offered by the respective lending partners, which may include RBI-registered banks/NBFCs or other regulated entities, subject to applicable requirements.
Read the full disclaimer