Frequently Asked Questions
Everything visitors usually ask us before applying — if your question isn't here, just reach out.
A single, well-informed application does not hurt your score. We assess your eligibility first and shortlist the lenders most likely to approve you, so you avoid the multiple rejected applications that can pull your CIBIL score down.
No. Our advisory service is free for you as a borrower — we are compensated by the bank/NBFC once your loan is disbursed. You never pay us any fee, commission or "processing charge" directly.
A bank can only offer you its own products. We compare 40+ banks and NBFCs, so you see multiple offers side by side and choose the one that actually fits your income, property and repayment comfort — not just the first one you're shown.
At a minimum: PAN card, Aadhaar card, recent bank statements, income proof (salary slips or ITR), and property documents where applicable. Exact requirements vary by loan type and lender — see each loan page for specifics.
Most loans are sanctioned within 5–15 working days of complete document submission, though this varies by loan type and lender. Overdraft/CC and property-backed loans can take a little longer due to valuation and legal checks.
No — never. This is a common scam pattern in the loan industry. AF Advisors will never ask for any advance payment, "processing token" or deposit before your loan is sanctioned. If anyone claiming to be from AF Advisors asks you for this, please contact us directly to verify.
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