Credit Compass
ChatGPT pluginLoan rates, EMI & offer checks
Compare interest rates from India's major banks, see the rate you are likely to get, and find out what a loan will really cost you before you sign.
Use Credit Compass whenever you are planning, comparing or already paying a home, personal, car or education loan in India.
- Interest rates: current home, personal, car and education loan rates from SBI, HDFC Bank, ICICI Bank, Axis, Kotak and other banks and NBFCs, each with its official source and the date it was checked
- Your likely rate: the rate banks are likely to offer you based on your CIBIL score, income, employer and loan, and what would bring it down
- EMI and true cost: EMI, total interest, a month-by-month schedule, and the real APR once processing fees and GST are added
- Affordability: how much you can safely borrow on your take-home pay, with stress tests if rates rise
- Offer check: share a sanction letter or Key Facts Statement to spot hidden charges and RBI rule breaches, or compare several offers by total cost
- Loans you already have: what an RBI repo rate change does to your EMI, whether to switch lenders, ask your bank for a lower rate or prepay, and a plan to clear several loans faster
- Also: government schemes such as PMAY and Mudra, plain-English credit report explanations, loan app scam checks, and study-abroad loan planning at live exchange rates
Independent: not a lender or loan agent. Results are educational estimates, not financial advice. Nothing you enter is stored.
- Featured
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Movement
From our daily snapshots over the last 30 days.
Rank by placement
Rank in Finance
In its category
How this plugin compares with others in the same category. Positions are counted within the category, not across the whole directory.
Finance717th of 717 by placement
| # | Plugin | Position | 7d |
|---|---|---|---|
| 713 | #8636 | — | |
| 714 | #8637 | — | |
| 715 | #8641 | — | |
| 716 | #8688 | 1,596places down | |
| 717 | #8754 | — |
Example prompts
- “What home loan interest rate will I get with a 760 CIBIL score?”
- “Can I afford a ₹60 lakh home loan on ₹1.5 lakh a month take-home?”
- “Check this loan offer for hidden charges and RBI rule breaches”
Skills
audit-loan-offer
Check a loan sanction letter, offer, quote or Key Facts Statement (KFS) for hidden costs and breaches of RBI rules, compare several offers by true cost, and check whether a loan app is legitimate. Use when the user uploads or pastes a loan offer or KFS, asks "is this a good offer", "is this loan app safe", or "which of these offers is cheaper".
borrowing-readiness
Assess whether someone is ready to take a loan and how lenders will see them — reading their credit report, overall financial health, irregular freelance or gig income, and what-if scenarios like taking a new loan or closing one. Use for "why was my loan rejected", "explain my CIBIL report", "am I ready for a loan", "I'm a freelancer, how much can I borrow", "what happens if I take a ₹5L personal loan".
home-loan-decision
Help an Indian home buyer decide whether they can afford a home loan, what rate they will likely get, which bank and government schemes fit, and what the loan will really cost. Use when someone is planning to buy a flat or house, asks "can I afford a ₹X home loan", "how much home loan can I get", or "which bank for my home loan".
manage-existing-loans
Help someone with loans they already have — what an RBI repo rate change does to their EMI, whether to transfer a loan to a cheaper lender or ask their bank to cut the rate, whether to prepay, and how to clear several loans or credit card balances faster. Use for "RBI hiked rates, what happens to my EMI", "should I do a balance transfer", "write to my bank to reduce my rate", "prepay or invest", "how do I get out of these loans".
study-abroad-funding
Plan how an Indian student funds a degree abroad (USA, UK, Canada, Australia, Germany) — loan amount at live exchange rates, interest during the moratorium, EMI after the course, visa proof-of-funds rules, lenders with and without collateral, documents and scams to avoid. Use for "education loan for MS in the US", "how much loan for UK masters", "GIC / blocked account / I-20 funds".
- Categories
- Made by
- The Credit Compass · Website
- Sign-in
- On Install
- Availability
- Available
- Version
- 1.0.3
- Keywords
- interest rates, home loan, personal loan, car loan, education loan, emi, cibil, rbi, repo rate, kfs, refinance, india
- Created
- October 9, 2026
- More info
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