A Personal Loan DSA supports unsecured consumer-credit referrals by obtaining consent, checking the available case information and coordinating a suitable application route. The lender decides whether the applicant qualifies and what rate, amount, tenure or conditions apply.
Why personal-loan referrals need selective screening
A personal loan is not backed by property. Lenders may therefore place significant weight on verified income, existing obligations, credit history, employment or business profile, location and application accuracy.
No single credit score, salary, document period or approval time applies to every lender. Official lender pages show different criteria and document expectations, which is why a DSA should use current product information rather than a memorized universal threshold.
Information to understand before submission
Ask the customer, with consent, about:
- The purpose and requested amount.
- Employment or business type.
- Verifiable income and existing monthly obligations.
- Current location and serviceability.
- Recent repayment concerns or credit applications.
- Documents available under the selected lender process.
FOIR means fixed obligations to income ratio: a lender's comparison of existing obligations with income. Each lender applies its own method and acceptable range, so a DSA should not declare eligibility from an informal calculation.
Consent and credit enquiries
A formal application may create a credit enquiry. Avoid sending the same customer to several lenders merely to test who responds. Explain what will be submitted, use the approved channel and keep the information accurate.
Document categories
Depending on the lender and applicant type, the case may involve identity, address, employment, salary, banking, ITR or business records. The exact documents and periods are lender and product specific.
Shreeji partner registration is separate: it currently uses information entry and does not require partner onboarding-document uploads.
How Shreeji Finance supports the case
Shreeji Finance may help a partner understand available criteria, review case information and identify potentially relevant product routes based on policy and serviceability. This support does not control lender acceptance.
Frequently Asked Questions
Q: Is a particular credit score enough for approval?
A: No. Score treatment varies, and the lender considers the full profile under its current policy.
Q: Can self-employed customers be referred?
A: They may be considered under available products, subject to the lender's required income and business evidence.
Q: Can a DSA promise quick disbursal?
A: No. Verification and disbursal timing are controlled by the lender.
Q: What does FOIR mean?
A: FOIR compares fixed monthly obligations with income. Each lender applies its own calculation and acceptable range.
Continue to the commercial Personal Loan DSA page for the partner workflow.
*Shreeji Finance is a DSA/referral partner platform and loan-assistance intermediary, not a lender. The relevant lender decides eligibility, pricing, sanction, approval, credit limit and disbursal. Product and lender availability varies by location, profile, serviceability and current policy. Commission structure and eligibility vary and become payable only under applicable terms after the relevant bank or lender confirmation; no approval, income or payout should be treated as certain.*
Ready to review partner onboarding?
Read the Shreeji Finance DSA Partner Program page before submitting your profile. Portal access and payout eligibility remain subject to internal review and applicable partner terms.
View DSA Partner Program