Your results are sorted by one comparator, and it reads three things in this order:
- Whether you qualify — lenders you qualify with come first, then the ones that need more detail from you, then the ones that said no.
- Within each of those groups, the larger amount first.
- Where two offers are for the same amount, the cheaper rate first.
That is the whole rule. The lender's name is not one of the three things it reads, and there is nowhere in the code to pay for a position — not a disabled feature, not a field set to zero. It does not exist.
A lender that turned you down is still shown, with the reason. Knowing you failed on a 24-month employment rule, or on one enquiry too many, is half of what you came for.
I have worked with FastCredit for sixteen years, and came up through it to top management. I still work with them today. And every case Moneyed sources is booked under FastCredit's code.
That is a commercial relationship, not a footnote, so it sits here rather than in a terms document nobody opens. What it means in plain terms:
- Moneyed is not a neutral marketplace that spreads files across many channels. If you proceed with us, the case goes through FastCredit.
- The comparison itself is not affected by that, because the code that orders your screen never reads a lender's name — the rule in section 01 is the entire rule, and section 05 lists what it is incapable of seeing.
- The numbers on this site are yours either way. If this relationship makes you want to take the eligibility read, the FOIR and the rate comparison and walk them into a branch yourself, that is a reasonable thing to do and nothing here is withheld to stop you.
Sixteen years on the lending side is also the reason this site can tell you why a file fails rather than only that it did. The same experience is the conflict and the usefulness; you should know about both before you decide what this advice is worth.
Nakul Verma — Founder, Moneyed. Sixteen years in lending, through to top management at FastCredit.
I am not a chartered accountant, a company secretary or an IRDAI-registered advisor, and nothing on this site is a substitute for one.
This site does two separate jobs, and they do not cover the same lenders. Anywhere we give a count, it belongs to one of these two and not the other.
45 lenders296 published rate cards, for comparing what a loan costs. Rates last verified 18 October 2026.
17 lenders38 programmes whose full underwriting rulebook we hold, which your adviser reads when working out whether you qualify and for how much.
The second number is the smaller one and always will be. A published rate card is a page on a lender's website. A rulebook is the policy behind the counter — the minimum score, the employment vintage, the FOIR, the employer categories, the knockouts — and it has to be obtained, read and encoded one lender at a time. We would rather hold eleven properly than claim forty-five we do not have.
So when a screen says what you qualify for, it is reading the eight. When a screen compares what a loan costs, it is reading the forty-five.
Each rulebook is run against your file the same way, and the steps run in this sequence:
- Negative list first. If your employer is one this lender refuses outright, that is the answer and nothing else is computed.
- Knockouts. Score, age, income floor, employment vintage, balance transfers, enquiries, write-offs, settlements, suit-filed. Any one of them ends it, with the reason named.
- Your employer's category. Taken from that lender's own list — we hold the employer categorisations of 22 lenders across 1,123,249 companies. Most policies move the FOIR, the minimum score and the maximum amount by category, so this is usually the number that decides the size of your loan.
- Income, read their way. Net or gross, what is added back, how much of a bonus counts, how much of rental income counts. Lenders disagree here more than anywhere else, and each rulebook keeps its own answer.
- Obligations. Credit cards at that lender's percentage of outstanding or limit, overdrafts on limit, EMIs ending soon excluded where that lender excludes them.
- The amount. FOIR, a multiple of income, or the lower of the two — whichever that lender's policy says — then capped by the programme's own ceilings.
- Tenure and rate, from that rulebook's grids, with age at maturity capping the tenure.
Pin codes are checked against India Post's own directory, 19,299 of them. Where a lender's serviceable-area list has not been captured, the answer is "area not confirmed" in amber — never a silent pass and never a red flag we cannot support.
- No paid placement. No lender has ever paid for a position, and the comparator has no input through which one could.
- No bureau pull by us. We do not fetch your credit report. You upload your own, and what we keep is a short derived summary — totals and counts, no account numbers, no raw report — held on your own device, not on our servers.
- No invented rates. Where a lender publishes no rate, the field stays empty. We do not estimate one to fill a column.
- No guessed policy. A rulebook records what the lender's document says. Where a document is silent, the engine does not test that condition, and the gap is written into the rulebook by name.
A ranking method is only worth publishing if it also says what it cannot do yet. As of 7 November 2026:
- Only 2 of our 38 rulebooks have been verified by a human against the lender's own document. Every result from the other thirty-six carries a line saying the number is indicative, because it is.
- No lender's serviceable-area list is captured yet. The pin-code directory is built and the schema is ready, but until a branch list is entered, every pin code answers "area not confirmed".
- We do not show APR on the offer cards. Several programmes still carry a placeholder rate, and an APR computed on a placeholder is worse than no APR at all. Our calculators do show the effective rate once the processing fee is counted, because there the figures are yours.
- Two rulebooks are incomplete and are not live. Cholamandalam and Kotak Mahindra Bank are written but their documents do not state a FOIR, so the engine will not quote an amount for them rather than guess one.
- Occupation-based rules are not applied. Several policies raise or lower limits for specific occupations. We do not ask what you do, so those rules do not fire.
None of this is hidden in the product. An unverified rulebook says so on the result. A pin code we cannot confirm says so in amber. A lender with no FOIR gives you a yes or a no and declines to name a figure.
If a lender's policy has changed, if a rate on this site is out of date, or if your file was ranked in a way this page does not explain, tell us and we will check it against the document and correct the rulebook. Policies move four or five times a year; this only stays accurate if people say when it slips.