"Sir, where do you work? What's your monthly income? Are you salaried or self-employed? Can you send us your last 3-month payslip?"
The typical loan verification call can feel like an interrogation.
At Vizzve, we believe applying for a loan shouldn’t feel like a job interview.
That’s why we’re giving you a quick script + smart tips to speed up the call and get your loan approved faster.
🚀 What Lenders Really Want to Hear (Without the Fluff)
Loan agents follow a script to verify your eligibility.
Here’s how to answer confidently, clearly, and quickly to increase your chances of instant approval.
✅ 1. “I’m currently working with [Company Name], salaried for the past [X] months.”
Why it works:
This shows job stability and matches what’s in your application.
✅ 2. “My monthly in-hand salary is ₹XX,000 and I have no other active loans.”
Why it works:
Lenders calculate your repayment ability. Be honest. If you do have loans, say:
➡️ “I’m repaying ₹X EMI and still have ₹Y as surplus.”
✅ 3. “My CIBIL score was 750+ last checked. No past defaults.”
Why it works:
This signals that you’re a low-risk borrower and speeds up credit checks.
✅ 4. “My current address and KYC are updated with Aadhaar and PAN.”
Why it works:
Any KYC mismatch leads to delays or rejection. Always keep documents ready before the call.
✅ 5. “I need a ₹XX,000 loan for [purpose] with flexible EMI options.”
Why it works:
A clear loan amount and purpose shows planning. Avoid saying “I don’t know” or “Whatever I get”.
🧠 Vizzve Pro Tips to Win the Call
💡 Keep these ready before the call:
PAN and Aadhaar
Last 3 salary slips or bank statements
CIBIL score screenshot (if available)
Active EMI list, if any
🕐 Take the call in a quiet place—background noise can lead to miscommunication and repeated questions.
🗂 Use the same details as in your loan application to avoid mismatch rejections.
💬 FAQ: Fast-Tracking Loan Calls
Q1. Can I skip the call entirely?
At Vizzve, for many low-ticket loans, our AI handles approval without a call. But for higher amounts, a quick call may still be required.
Q2. What if I miss the call?
Most lenders (including Vizzve) attempt multiple callbacks. You can also reschedule inside the app.
Q3. Will giving false info help?
No. Mismatched details will be caught during backend verification. Be accurate, not exaggerated.
🏁 Final Thoughts from Vizzve
Loan calls shouldn’t feel like cross-exams.
With the right preparation and response, you can cut down a 15-minute call to just 3 minutes—and walk away with instant approval.
Want a better way?
Vizzve's zero-paperwork loans skip the drama, not the safety.
Vizzve Finance — India's Smartest Way to Get a Loan, Not a Headache.
Published on : 12th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.