About MoneyPick

MoneyPick (moneypick.in) is an independent fintech information and loan matchmaking platform. We are not a bank, NBFC, credit bureau, or licensed lender registered under the Reserve Bank of India (RBI). We do not issue loans, collect processing fees, or store your personal identity documents.

MoneyPick helps salaried professionals — especially those in career transitions (probation, job switch, first salary) — understand which lenders they are more likely to qualify for, before making any formal application. We do this by evaluating your self-reported employment profile against publicly available lender eligibility policies.

MoneyPick does not pull your CIBIL or credit bureau report. We do not collect your PAN card, Aadhaar number, or mobile number to show you match results. We do not make binding credit decisions. Final loan approval, interest rates, and terms are determined solely by the respective RBI-regulated lender upon formal application.

Our team manually reviews official public eligibility pages, terms and conditions, FAQs, and press materials published by each lender. We do not rely on third-party data aggregators. Each lender's policy entry in our engine is tagged with the date it was last reviewed. We aim to update lender data at least quarterly, or sooner when significant policy changes are publicly announced.

Our match algorithm compares your self-reported inputs (monthly salary, salary credit mode, employment status, existing EMIs, CIBIL score range, and employer category) against the minimum eligibility thresholds published by each lender. A higher match score means your profile more closely aligns with that lender's stated public eligibility criteria — it does not guarantee approval. Lenders use additional proprietary criteria during their own underwriting process.

MoneyPick may receive a referral commission from partner digital lending platforms when a user clicks an "Apply via Official Partner" link and completes an application. These referral relationships do not influence our match scores or rankings. We disclose all affiliate relationships in our footer disclaimer.

Lender eligibility criteria, interest rate ranges, and documentation requirements are reviewed at a minimum quarterly. Each lender entry shows a "Checked" date indicating when the information was last verified. Despite best efforts, lender policies can change between reviews. Always confirm final terms directly with the lender before applying.

MoneyPick is architected with privacy first. We do not require your mobile number, email, PAN, or Aadhaar to show you eligibility results. No personal identity data is stored or transmitted to lenders during the match evaluation phase. Only when you voluntarily choose to apply via a lender's official portal does that lender collect your information under their own privacy policy.