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How Confirm Loan works

Four simple stages take you from checking eligibility to the lender's decision. Here is what happens at each one, and what you will need.

Step 1 of 4

Check eligibility

One short form, no password to create.

  • Choose the loan you need and enter your name, PAN, date of birth, mobile, email and income.
  • Verify your email with a one-time code. We check your PAN with the Income Tax database instantly.
  • Your account is created and your login details are emailed to you.
Eligibility form with loan type, PAN and income
Step 2 of 4

Verify & upload

Aadhaar, work details and a few documents.

  • Verify your Aadhaar in one tap with DigiLocker. Your name and address are filled in for you.
  • Add your work and income details. Self-employed? Your GSTIN is verified instantly.
  • Upload a 6-month bank statement (salary slips optional, ITR if self-employed). PAN and Aadhaar copies are not needed.
Aadhaar verified through DigiLocker with name and address
Step 3 of 4

Limit, EMI & sign

See what you can get and confirm it.

  • See your indicative loan limit from our lending partners, based on your verified profile.
  • Choose the amount and tenure and confirm the EMI you can pay.
  • Verify the bank account for your loan with a ₹1 transfer, then sign the agreement with an email code.
Loan limit screen showing the range available from lending partners
Step 4 of 4

Lender decision

We take it from here.

  • Our team shares your verified file with matching lending partners.
  • The lender confirms approval, amount, rate and charges in its Key Fact Statement.
  • You sign the lender's agreement and the money reaches your verified bank account. Every update is emailed to you.
Application submitted with a four-stage progress tracker

What you'll need

Keep these handy before you start. You can save your progress and finish later.

  • PAN

    Your 10-character Permanent Account Number.

  • Aadhaar-linked mobile

    To log in to DigiLocker and share your Aadhaar in one tap.

  • Bank account details

    Account number and IFSC of an account in your name.

  • Income documents

    A 6-month bank statement is required. Salary slips are optional; ITR if self-employed.

The eight stages of your application

Your dashboard shows which step you are on, from your eligibility check to the lender's decision.

  1. 01

    Identity & PAN

    Short form, email code and instant PAN check.

  2. 02

    Aadhaar

    One tap with DigiLocker.

  3. 03

    Work & income

    Salaried or self-employed details.

  4. 04

    Documents

    Bank statement (salary slips optional).

  5. 05

    Limit & EMI

    See your limit and confirm the EMI.

  6. 06

    Bank account

    Verified with a ₹1 transfer.

  7. 07

    Sign & submit

    Agreement signed with an email code.

  8. 08

    Lender decision

    The lending partner decides.

Four milestones, never mixed up

Submitting your application is not the same as being approved. Each of these is a separate milestone, and your dashboard shows them separately.

  1. 1

    Application submitted

    You complete each step and submit your details to Confirm Loan.

  2. 2

    Eligibility assessment

    Your information is assessed against lending partner criteria.

  3. 3

    Lender approval

    The lender reviews your application and decides under its own terms.

  4. 4

    Disbursement

    If approved, the lender transfers the amount to your verified bank account.

Frequently asked questions

Still have a question? Contact our support team.

What is Confirm Loan?

Confirm Loan is a loan consultancy platform. We help you complete your loan application, verify your identity and view loan options from lending partners. We are not a lender: loan approval and disbursement are decided by the lender.

Does submitting an application mean my loan is approved?

No. The loan limit you see is an indicative estimate. After you submit, our team shares your verified application with matching lending partners, and the lender decides approval, amount and rate under its own policies.

What do I need to apply?

Your PAN, your Aadhaar-linked mobile (to share Aadhaar through DigiLocker), a bank account in your name, and a 6-month bank statement (plus ITR if self-employed). Salary slips are optional but can speed up the lender's review.

Are there any charges?

No fee is charged by Confirm Loan to check your eligibility, verify your details or submit your application. The lending partner sets its own interest rate and processing fee, and shows them in its Key Fact Statement before you accept. Never pay anyone to 'secure' a loan.

How is my information protected?

Your details are sent over encrypted connections and used only to process your application. Identity and bank numbers are masked wherever they are shown, and we keep only what is needed to verify you.

Why do you verify my bank account?

We confirm that the account belongs to you using a small verification transaction. It is not a fee and it is not a loan approval.

How do I track my application?

Log in with the details we emailed you. Your dashboard shows every step and the lender's decision, and we email you at every update.

Can I change my details after submitting?

You can edit any step from the review screen before you submit. After submission, contact support and we will help you update your application.

Ready to start your application?

Create your account, complete each step at your own pace and see the loan options available for your profile.

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Loan options are subject to lender eligibility and applicable terms and conditions.

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