Pre-qualify every loan enquiry before a loan officer picks up.
KonvoLead answers eligibility, documents, EMI and tenure questions from your verified product rules — on WhatsApp or a call — and hands a ready applicant to your officer.
Where loan enquiries are lost.
Most enquiries never reach an officer
Applicants ask the same five questions before they commit. If the answer takes hours, they have applied elsewhere.
Officers spend the day pre-screening
Salary, employer type, existing EMIs, documents — the qualification conversation is repetitive and your best people are doing it by hand.
Every wrong number is a compliance risk
An agent that improvises an interest rate or a processing fee is not making a small mistake in lending.
They reach you, or you reach them. Same agent.
Inbound answers whoever contacts your number; Outbound opens conversations with a list you upload. Both qualify, request the callback, and hand off to your team.
One number on your ads and website
Applicants message or call; the agent answers what they actually asked — “what documents do I need?”, “what EMI for 5 lakh over 3 years?” — from your verified rate card and policy, then collects the basics your officer needs.
- Eligibility pre-screen: employment type, income band, city, existing obligations
- Indicative EMI from your published rate band — never an invented rate
- Document checklist sent in-chat; a callback requested into your officer’s window
Work a pre-approved or lapsed list
Upload a base of pre-approved customers or applications that stalled. The agent opens with an approved message, answers objections, and requests the officer’s callback — respecting opt-outs and contact hours.
- Consent-first outreach: every audience carries the basis on which it may be contacted
- Opt-out honoured on every channel; contact hours enforced
- Stops the moment someone declines — no repeat nudges
Every answer is traceable to a fact you approved.
Generic chatbots improvise. In personal loans, a wrong number is a lost deal or a compliance risk — so the agent answers only from facts you verified, with the source on every one, and says it will check when something is not on record.
- Verified knowledge base. Facts are structured and human-checked before the agent can use them.
- Provenance on every fact. Each answer carries its source — the document, page or website it came from.
- Accuracy measured, not assumed. Answers are continuously scored against your verified facts.
Warm leads get a callback request. Everyone gets a brief.
Captured as they talk
Budget, preference, timeline and intent are recorded during the conversation — never asked twice — and shown on the lead’s page.
Requests the callback
Agreed in the chat or on the call, inside your hours, and recorded for your team to confirm. A time that looks wrong is flagged rather than dropped, and the customer is never told it is booked until it is.
Human handoff with context
The right rep is paged on WhatsApp with the whole lead — who, what they want, and a one-line reason to call. The agent keeps answering routine questions meanwhile.
Will it quote interest rates or fees?
Only the ones on your verified rate card and schedule of charges, and always as a band or “indicative” figure with the source attached. It never invents a rate, and anything not on record is handed to your officer.
Does it make credit decisions?
No. It pre-screens against the rules you give it (employment type, income band, city) and collects documents; the decision stays with your credit process.
How is consent handled?
Inbound enquiries are user-initiated by definition. For outbound, every audience you upload records the basis on which those people agreed to hear from you, opt-outs are honoured on every channel, and contact hours are enforced.
See it answer your real personal loans questions.
A 20-minute walkthrough on your own material — in chat and on a call.