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About Us

Compliance & Transparency Page

Who We Are

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GoCredit is India’s first AI-powered credit management platform that helps users:
 

  • Find and compare the cheapest loan offers from trusted lenders
     

  • Improve their credit scores with AI guidance
     

  • Protect themselves with Loan Kavach (legal protection against harassment)
     

👉 Important Note: GoCredit is not a lender. We act as a loan marketplace/aggregator, connecting users to banks and NBFCs who are licensed and regulated by the Reserve Bank of India (RBI).
 

Our Lending Partners
 

We only work with RBI-licensed Banks and NBFCs. Every loan you see on GoCredit comes directly from a regulated entity.
 

Examples of partner categories:
 

  • 🏦 Banks (Scheduled Commercial Banks)
     

  • 💳 NBFCs (Non-Banking Financial Companies)
     

This ensures that every loan disbursed through GoCredit is fully compliant with RBI regulations.
 

Our Commitment to Transparency
 

✔ No hidden charges – All fees and interest rates are disclosed upfront by lenders.

✔ Zero CIBIL Impact – Checking loan offers on GoCredit will never hurt your credit score.

✔ AI-Powered Comparison – We always show you the cheapest and most relevant loan offers.

✔ Direct Settlement with Lenders – All repayments go directly to your bank/NBFC.
 

Consumer Protection
 

We go beyond being an aggregator:
 

  • Loan Kavach → Legal support & protection against recovery harassment.
     

  • Dispute Resolution → Raise complaints with banks & credit bureaus directly from our app.
     

  • AI Score Boost Plan → Step-by-step guidance to build your credit health.
     

Memberships & Industry Standards
 

GoCredit adheres to the best practices set by:
 

  • Reserve Bank of India (RBI) Digital Lending Guidelines (Sept 2022)
     

  • Data Privacy Standards (user data encrypted, never sold)
     

  • Applying for membership with Digital Lenders Association of India (DLAI) & FACE (Fintech Association for Consumer Empowerment)
     

Why This Matters
 

By choosing GoCredit, you get the speed of a digital app with the safety of RBI-regulated lenders.
We’re building India’s most trusted AI financial wellbeing platform — for loans, credit score, and beyond

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