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GoCredit offers direct debit and payroll loans to government employees, pensioners, and private sector workers. These loans are based on their salary or pension and get deducted from their bank accounts effectively removing the risk of borrowers not paying back their loans. GoCredit also offers legal support and protection against recovery harassment for these borrowers.
AI-Powered Credit Matching Engine
AI in credit management empowers businesses to reduce risks proactively, automate processes, and enhance decision-making. By delivering real-time analysis and automated workflows, AI-driven solutions streamline credit applications, reduce overdue receivables, and improve cash flow predictability. They also help businesses maintain healthier financial positions and achieve higher business performance.
RadCred’s apply a credit card online comprehensive study reveals transformative results when AI evaluation replaces traditional credit scoring. In fact, 87% of bad-credit borrowers secured loan approval when matched through an AI lending platform, compared to rejection rates reaching 48% with conventional banks for identical applicants. Freelancers with irregular income patterns secured 82% approval versus traditional bank rejection rates of 70%, while first-time buyers and those recovering from bankruptcy secured 79% approval.
Esker’s AI-powered credit management solution combines automation with predictive analytics to deliver a complete view of accounts receivable and streamlined credit approval processes. It helps businesses predict customer payment behaviors, prioritize collection efforts, and automate communications to significantly reduce DSO and optimize collections strategies. It also integrates seamlessly with ERP systems to streamline data flows and automate credit decisions.
Credit Score Booster Plan
Getting to a healthy score takes time, but GoCredit makes it easy with its smart nudges and personalized guidance. The app lets you know what’s hurting your report, such as errors or inactive loans, and helps you fix them. It also tracks your progress towards a better score and reminds you to pay your EMIs on time. This consistent effort can lead to significant improvements in your CIBIL score within months, and open the door to lower loan rates. You can sign up for GoCredit’s Credit Booster Plan for just Rs199/month, which is less than most people spend on a night out or a pack of cigarettes.*
*Results may vary based on individual circumstances and credit profile. See terms and conditions. Experian data provided by Experian.
Loan Kavach
How GoCredit AI Revolutionizes Lending
Unlike conventional lenders that remain fixated on your credit mistakes, the GoCredit app uses advanced algorithms to assess your true repayment capability. It looks beyond your traditional CIBIL score to analyze over 1,000 alternative data points and predict your financial behavior. This allows us to approve loans without CIBIL verification and based on your current repayment capacity, rather than past mistakes.
The CIBIL Score Paradox
Millions of Indians are stuck in a vicious cycle: they need credit to build their CIBIL scores, but can’t get access because they don’t have good scores. GoCredit’s proprietary technology helps break this cycle by offering instant loan offers tailored to your unique profile, regardless of CIBIL status.
Step 1: Boost Your CIBIL Score
The GoCredit AI App makes it easy to improve your CIBIL score by optimizing the key factors that determine it: Payment history (35%) Credit utilization (30%) Length of credit history (15%) Credit inquiries (10%)
The app also alerts you to old errors in your report and lets you raise them directly with the lender and CIBIL, without endless follow-ups. It also provides smart reminders and EMI optimisation tools to help you stay on track. Moreover, it accepts alternative income verification methods to make the process easier for self-employed individuals and gig workers who can’t easily submit traditional income documents.
GoCredit helps lenders acquire high-quality, pre-approved leads at scale using its AI-powered credit matching engine. This eliminates the need to manually verify every lead ensuring maximum conversion and savings for lenders. It also offers customers legal support & protection against recovery harassment and the ability to raise complaints with banks & credit bureaus directly from their app. It also provides an AI Score Boost plan to help borrowers improve their credit health. GoCredit offers direct debit loans and payroll (deducted from borrowers’ salary/pension) personal loan products.
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GoCredit issues direct debit & payroll loans (listed as personal loans on Mintos), whereby borrowers’ salaries & pension are deducted from their bank accounts ensuring the lender will always receive payments. This reduces the lender’s default risk significantly. This segment is growing rapidly in India as more & more people take up work as gig workers.
Boost CIBIL score fast in 2025. Fix errors & optimize EMIs with AI-powered app. Rs7 trial & Rs199/month Credit Booster Plan.