Your bank isn't telling you everything.We show you thetotal.
Loan guides, true cost calculators, hidden charge alerts and scheme eligibility — all sourced from RBI and official bank pages. Nothing to sell you.
🔒 No calls. No spam. No CIBIL enquiries. No data sold. The Credit Compass earns nothing from your loan decisions — ever.
Quick Analysis Tools
Run the numbers before your bank does.
Rate Predictor
See where interest rates are likely headed before you lock in a loan. Useful if you're deciding between fixed and floating right now.
Repo Rate
6.50%
Base Rate
8.40%
Affordability Checker
Not just what the bank will lend you — what you can actually afford without stretching yourself thin if rates rise or income dips.
🔒 We don't store or share this information.
Compare Home, Personal, Education & Vehicle Loans
Browse by Loan Type
Education Loan
What will your ₹40L loan actually cost after interest, fees, and exchange rate movement?
EXPLORE →
Home Loan
Know every charge your bank won't mention until after you've signed.
EXPLORE →
Personal Loan
That 10.5% rate could be hiding fees that push your real cost to 14%+. Find out first.
EXPLORE →
Vehicle Loan
Your dealer's 'zero EMI' offer isn't free. Here's what it's actually costing you.
EXPLORE →
FOR FREELANCERS & GIG WORKERS
Self-employed? No salary slips?
We cover cash-flow based lending too.
India's most complete guide for gig workers seeking loans.
LOAN REFINANCING GUIDE
Already have a loan? You may be overpaying.
Learn when a balance transfer saves you money, what it actually costs, and how to negotiate a lower rate with your existing bank — before switching.
Quick Estimate
EMI Calculator & Loan Cost Estimator
Adjust the sliders to get an instant estimate of your monthly payments — no sign-up required.
Full true-cost calculatorWhat Your Bank Won't Tell You
Common practices that cost borrowers lakhs
Processing fee traps
Banks often charge 1-2% upfront. On a 50L loan, that's ₹50,000-1,00,000 you pay before getting a single rupee.
Teaser rate loans
Low initial rates that jump after 1-2 years. Your EMI could increase by 15-20% without warning.
Mandatory insurance
Banks push expensive loan insurance. RBI says it's optional, but many won't tell you that.
Government Schemes
Government Loan Schemes — PMAY, Education & Housing Subsidies
Check eligibility for PMAY, education subsidies, and other schemes in 2 minutes