What our clients actually say

“Two banks had already declined my personal loan and I had no idea why. Finoxa pulled my bureau report, found a closed car loan still showing as active, and got it corrected. Sanctioned at 11.2% three weeks later. Nobody else bothered to look.”

“I wanted a ₹40 lakh term loan for working capital. My advisor talked me out of it and into an overdraft facility instead. In the first year I paid interest on an average drawn balance of ₹18 lakh rather than the full ₹40 lakh. That advice was worth several lakhs.”

“They found a break in the chain of title on the flat we had almost booked — an inherited share never formally partitioned. We walked away and bought elsewhere. That single check saved us from a purchase no bank would have funded.”

“I do this for a living and I still used them for my own loan against property. They had the valuation expectation right to within 4%, which meant no last-minute LTV shortfall. Closed in eleven working days.”

“My daughter had an offer from a university in Melbourne and a visa appointment in five weeks. They warned us the sanction letter had to exist before the interview and worked backwards from that date. It arrived with nine days to spare.”

“A supplier payment was due and I needed ₹6 lakh in two days. Gold loan, disbursed the same afternoon at 10.25%. The advisor was clear about the auction risk on bullet repayment, which I appreciated — I chose EMI instead.”

“The showroom quoted 10.9% on my car loan. Finoxa got 8.85% from the same bank, directly. On ₹9 lakh over five years that is about ₹52,000 back in my pocket for one phone call.”

“They checked us against CGTMSE before quoting anything. We qualified, and the rate came in nearly six percentage points below the NBFC offer we had been about to accept. On ₹2 crore that is not a detail.”

“I asked about a balance transfer on my home loan. They ran the numbers and told me not to — only four years left, the saving would not cover the costs. Then they helped me get a spread reduction from my existing bank instead. Advice against their own commission.”

“At 63 most lenders were not interested. They found two that lend to pensioners and explained exactly why the tenure had to be shorter. Straightforward, no false hope, and it got done.”

“Variable income and no salary slips made every bank nervous. They restructured how my ITR income was presented — adding back depreciation properly — and the same profile that was declined twice got approved at 12.4%.”

“One cheque bounce six months earlier was quietly killing every application. They told me to wait four months, keep the account clean, and reapply. It worked. Anyone else would have just pushed the file and let it get rejected.”