LoanRaja is a free credit report tool designed specifically for Indian consumers. With LoanRaja, you can check your credit score, assess your financial capacity, and calculate loan EMIs — all in one place — helping you stay informed and make smarter financial choices.
Quickly access your full credit report with professional insights.
Understand your income and debt structure to determine your financial limits.
Easily calculate monthly payments for different loan options to guide your borrowing decisions.
Credit report checks are always free — no hidden fees, ever.
Generate reliable credit reports and analysis results in no time.
Your personal information is protected with strong encryption at all times.
Get LoanRaja from your app store.
Enter a few details to verify your identity.
Instantly see your score and full report.
LoanRaja is operated by SIMPLIFY MARGIN PRIVATE LIMITED. We are an innovative fintech company dedicated to providing Indian users with efficient, secure, and convenient credit management and financial analysis services.
We strive to empower every user with the ability to understand and continuously improve their credit profile, promote financial inclusion, and make quality financial services accessible to all.
In India, credit scores typically range from 300 to 900. A score of 750 or above is considered excellent, which can help you secure better interest rates and terms when applying for loans.
Pay your bills and loan EMIs on time; keep your credit card usage low; avoid applying for too many new credit products in a short period.
No. Checking your report through LoanRaja is a soft inquiry and will not impact your credit score.
Indian credit scores generally range from 300 to 900 — the higher the score, the better your credit history.
Credit reports are typically updated once a month. We recommend logging in regularly to stay informed.
Common reasons include a low credit score, high existing debt, insufficient income proof, or errors in your application.
Yes. We use bank-grade data encryption to keep your personal and credit information secure.
LoanRaja (hereinafter referred to as "this App", "we" or "us") values your privacy and the security of your information. This Privacy Policy explains how we collect, use, store, protect, and share your information when you use our application. Please read this policy carefully before using the App.
LoanRaja is a credit report and assessment application designed to help users understand their creditworthiness and financial health. We are committed to respecting your privacy and complying with applicable laws and regulations, including Google Play's policies.
This Privacy Policy applies to all information we collect when you use LoanRaja, including but not limited to device information, SMS data, installed app information, camera and location data. By using this App, you agree to the terms outlined in this Privacy Policy.
During your use of this application, we may request certain user information from you to conduct credit assessments and enhance account security. Details are as follows:
When using credit assessment or income evaluation features, we will request permission to access SMS messages related to financial transactions (including sender, time, and content). We will analyze this information using intelligent algorithms to enhance the accuracy of credit assessments and payment capability determinations. The relevant information will be encrypted and uploaded to https://data.simplifymar.com. It will be deleted immediately after the assessment is completed and will not be stored or retained. It will never be disclosed to any third party. This authorization is not mandatory. You may decline it without affecting the use of other features.
When you choose to complete the registration or login process via voice verification, we temporarily access and upload part of your recent call logs to a secure server (https://data.simplifymar.com). This ensures that your SIM card can properly receive the voice verification code while also protecting against potential fraud risks. Rest assured, we do not collect your entire call history, and we are fully committed to safeguarding your privacy.
To further analyze your spending patterns and improve the accuracy of our credit assessment, we will collect information about the financial apps installed on your device. This data will be encrypted and uploaded to our secure server (https://data.simplifymar.com) and will be deleted once the analysis is completed. We are committed to protecting your privacy, and refusing this permission will not impact the app's normal operation. You have the choice to grant or deny this permission.
To facilitate the uploading of your personal bank credit report, we will request access to your device's camera. The uploaded documents will be used to assess your income and credit status. These files will be encrypted and uploaded to our secure server (https://data.simplifymar.com) and will be deleted immediately after the evaluation is complete. We pledge to protect your privacy and ensure your security at all times. Granting this permission is not mandatory.
To better tailor our services to your needs and enhance account security, we will collect approximate location data. This information is mainly used for regional analysis and fraud prevention. It will be encrypted and uploaded to our secure server (https://data.simplifymar.com) and deleted immediately after the analysis is complete. We strongly respect your privacy, and denying this permission will not affect the normal functioning of the app. Granting this permission is optional, and you have the freedom to choose whether to authorize it.
To ensure the safety and legality of product usage, we collect device-specific information, including SAID, IMEI, hardware model, and Android system version. This data is used for device identification and fraud prevention, and will be encrypted and uploaded to our secure server (https://data.simplifymar.com). We will never share your data with any third party without your explicit consent. Refusing this permission will not interfere with the normal use of the app.
We are committed to taking appropriate measures to safeguard your information, including:
While we strive to protect your information, no network environment is completely risk-free. We will continue to take all reasonable precautions to ensure your data is safe.
The information we collect will be used for the following purposes:
We will never use your personal information for advertising purposes, sell it, or share it with unauthorized third parties.
We treat information security as a top priority, adopting multiple safeguards, including:
User information is collected only to the extent necessary for providing services and strictly in accordance with this Privacy Policy.
You have the following rights regarding your personal information:
To exercise your rights, please contact us using the information provided below.
We may update this Privacy Policy from time to time to reflect changes in our services or legal requirements. We will notify users of any significant changes via in-app notifications or other appropriate means. Continued use of the App constitutes acceptance of the updated Privacy Policy.
If you have any questions about this Privacy Policy or how we handle your information, please contact us:
📧 Email: help@simplifymar.com
⏰ Working Hours: Monday to Friday, 9:00 AM – 6:00 PM (IST)