Fintech & Financial Services Automation
WhatsPortal runs a credit eligibility check bot on WhatsApp — collecting basic details, assessing loan eligibility, and delivering a personalised result — so users understand their credit standing without visiting a website or downloading an app.
Official Meta BSP · No credit card required
01
A user hears about credit scores and wants to check theirs. They Google it, land on three different sites, have to create accounts, share PAN and mobile numbers, and still aren't sure which result to trust. Most drop off before they find out.
02
Your credit product marketing reaches people who don't understand whether they qualify. Pre-qualification on WhatsApp — before directing users to your app or website — filters serious applicants and educates the rest.
03
Credit score enquiries are a top-of-funnel opportunity. Users who understand their credit score are more likely to take action — apply for a loan, get a credit card, start a credit-building journey. WhatsApp is the most accessible entry point.
The solution
The bot asks for name, age, employment type, monthly income, and PAN — collects only what's needed — and returns a preliminary eligibility assessment with next steps.
For users with low scores or limited credit history, the bot explains what affects credit scores, what steps they can take to improve, and how long it typically takes — actionable guidance, not just a number.
For eligible users, the bot presents relevant loan or credit products and directs them to apply — moving them from credit awareness to product consideration in the same conversation.
Users who complete the eligibility check are added to WhatsPortal as qualified leads — tagged by credit profile, employment type, and product interest — for your sales team to follow up.
How it works
Set up your eligibility flow
Define the questions and eligibility criteria for your credit products. Build the conversation in WhatsPortal's no-code builder.
Share your WhatsApp credit check link
Add it to your ads, website, and social media. Users tap to check their eligibility instantly.
Eligible users enter your product funnel
The bot qualifies, educates, and directs users to the right product. Your team follows up with warm, credit-profiled leads.
Automated credit log
Application data and document verification logs are pushed to your loan management system or CRM database instantly.
Suresh P.
FlexiLoans
Hello Suresh! We received your application for a Personal Loan at FlexiLoans. 💳
2:30 PM ✓✓
To complete your application, we need to verify your KYC documents. You can upload them here.
2:30 PM ✓✓
Upload PAN Card
2:31 PM ✓✓
Please share a photo of your PAN Card. Make sure the details are clearly visible.
2:31 PM ✓✓
📸 Attached my PAN card image
2:32 PM ✓✓
PAN Card received successfully! Let's proceed to the next step. ✅
2:32 PM ✓✓
Example conversation — automated by WhatsPortal
What our customers say
“We added a WhatsApp credit check bot to our Meta ads. Lead quality improved significantly because users had already been pre-qualified before our team spoke to them.”
Live
WhatsApp pre-qualification bots reduce unqualified leads in credit product pipelines significantly
< 1 min
Average setup time for standard workflows
3×
Increase in response rates compared to email alerts
₹0
Get started for free — free plan included
FAQ
The bot collects information for a preliminary eligibility assessment. For a full bureau score pull, connect your credit bureau API via WhatsPortal's Custom HTTP Request action — the bot can trigger the check and return the result in the same conversation.
WhatsApp Business API messages are end-to-end encrypted. For additional assurance, you can collect PAN via a WhatsApp Flow (available on Premium) — a secure, structured in-chat form.
Yes. For users who don't currently qualify, the bot provides credit improvement tips, explains what's holding back their eligibility, and offers to notify them when their profile strengthens.
Free plan: ₹0, 100 messages/month. Standard: ₹1,199/month (5,000 messages). Premium: ₹2,499/month (unlimited). All in INR via Razorpay.
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No credit card required. Free plan available. Official Meta BSP.
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