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Purely by the tenure you select. The published plan is 5% for a 3-month tenure, 6% for 6 months, 8% for 12 months, and 12% for tenures of 13 months and above. These are flat rates charged on the sanctioned amount for the whole tenure, not per-annum reducing-balance rates.

A flat rate is charged on the full sanctioned amount for the entire tenure, even though you repay part of the principal every month. An APR reflects the cost on the balance you actually still owe, which is why the APR is always higher than the annualised flat rate. Example: ₹1,00,000 at a 5% flat rate for 3 months means ₹5,000 interest and ₹1,05,000 repayable — an APR of approximately 29.8% per annum. Note that a short tenure produces a much higher APR than a long one even at a lower flat rate, so always compare the total repayment amount as well. We show both figures everywhere so you are never misled by the headline number.

No. Easy Care Finance is a loan facilitation and service brand operated by Easy Care Fintech Services Private Limited. We do not lend money. Loans are sanctioned and disbursed only by our RBI-registered lending partners, whose identity is disclosed to you in the sanction letter and loan agreement before you accept the loan.

Submitting the application form does not itself create a hard credit enquiry. A hard enquiry is recorded only after you consent to a specific lender processing your file. Multiple hard enquiries in a short period can lower your score, which is why we match your profile first instead of sending it to every partner.

Nothing. We never collect an advance fee, security deposit, file charge or advisory fee from applicants. The only charges payable are the lender's processing fee and statutory charges, which are deducted from your disbursement and disclosed in your loan agreement beforehand.

No. Submission only means we have received your details. Approval, the sanctioned amount and the final pricing are decided solely by the lending partner after its credit assessment and verification, subject to its eligibility norms and policies. Your application may also be declined.

You can close early, but because interest on a flat-rate loan is calculated upfront on the full sanctioned amount, early closure does not automatically reduce the interest already levied. Some lenders offer a rebate on unexpired interest. Check the prepayment and rebate clause in your loan agreement before closing early, and ask your finance executive to confirm the exact settlement figure.

Our executives will never ask for your OTP, UPI PIN, card number, net-banking password or a payment to a personal account. All KYC and bank verification happens only inside secure links on easycarefinance.in. If in doubt, hang up and call 1800 200 4567.

Write to grievance@easycarefinance.in or call 1800 200 4567 with your Application ID. We acknowledge complaints within 48 hours and aim to resolve them within 15 working days. Unresolved matters can be escalated to the lending partner's nodal officer and thereafter to the RBI Ombudsman.