Terms governing the use of our website and services
By using this website or applying for a loan through our platform, you confirm that the information provided by you is true, complete, and accurate. You agree to use our services lawfully and comply with all applicable terms and conditions.
Important Terms
Loan approval, loan amount, interest rate, tenure, and repayment terms are subject to eligibility verification, credit assessment, document verification, and internal approval.
A processing fee may be applicable as disclosed during the application process. The processing fee is strictly non-refundable under any circumstances, whether the loan is approved, rejected, cancelled, or withdrawn by the applicant.
A file charge may be applicable during the loan processing stage.
If the loan is not disbursed due to reasons attributable to ECL India Finance after successful approval and completion of all required formalities, 50% of the file charge may be refunded.
No refund of the file charge will be provided if the loan is not disbursed due to:
Incorrect or false information submitted by the applicant.
Incomplete documentation.
Failure to meet lender eligibility criteria.
Poor credit history or adverse verification.
Customer cancellation or withdrawal.
Any other valid reason beyond the control of ECL India Finance or the lending partner.
Loan disbursal timelines may vary depending on document verification, lender approval, banking procedures, and regulatory requirements.
ECL India Finance acts as a loan facilitation platform and does not guarantee loan approval or disbursal.
The company reserves the right to reject, cancel, or discontinue any application without prior notice if any discrepancy, fraud, or policy violation is identified.
All fees, charges, and applicable taxes (if any) shall be borne by the applicant unless otherwise specified.
By proceeding with the application, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.