# Tips & Best Practices

### <span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; font-weight: normal; mso-bidi-font-weight: bold; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-vfu6wwon.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; font-family: 'Times New Roman',serif; mso-hansi-font-family: Cambria; mso-bidi-font-family: Cambria; letter-spacing: 4.0pt; mso-font-width: 150%; font-weight: normal; mso-bidi-font-weight: bold;"><span style="mso-spacerun: yes;"> </span></span><span style="mso-font-width: 105%;">Loan Management</span>

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-nko30ius.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Pay EMIs before due date

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-2ah0ri1k.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; line-height: 122%; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Check payment schedule regularly <span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-lw1lyzjk.png)</span><span style="font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt;"><span style="mso-spacerun: yes;"> </span></span>Save all payment receipts

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-17iea1jr.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; line-height: 122%; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Keep<span style="letter-spacing: -.6pt;"> </span>KYC<span style="letter-spacing: -.6pt;"> </span>information<span style="letter-spacing: -.6pt;"> </span>updated <span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-smj2orra.png)</span><span style="font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt;"><span style="mso-spacerun: yes;"> </span></span>Review balance monthly

### <span style="letter-spacing: -.1pt; mso-font-width: 105%;">Security</span>

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-mw0royev.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; line-height: 122%; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Use<span style="letter-spacing: -.4pt;"> </span>strong<span style="letter-spacing: -.4pt;"> </span>password<span style="letter-spacing: -.4pt;"> </span>(letters,<span style="letter-spacing: -.85pt;"> </span>numbers,<span style="letter-spacing: -.85pt;"> </span>symbols) <span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-supwdykc.png)</span><span style="font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt;"><span style="mso-spacerun: yes;"> </span></span>Never share login details

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-kbvanl5w.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; line-height: 122%; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Change<span style="letter-spacing: -.2pt;"> </span>password<span style="letter-spacing: -.2pt;"> </span>every<span style="letter-spacing: -.2pt;"> </span>3-6<span style="letter-spacing: -.2pt;"> </span>months <span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-z9uxla80.png)</span><span style="font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt;"><span style="mso-spacerun: yes;"> </span></span>Always logout after use

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-ebh4xkqn.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Keep app updated

### <span style="mso-font-width: 105%;">Making<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.1pt;">Payments</span></span>

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-arxeuksp.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; line-height: 122%; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Verify<span style="letter-spacing: -.2pt;"> </span>loan<span style="letter-spacing: -.2pt;"> </span>number<span style="letter-spacing: -.2pt;"> </span>and<span style="letter-spacing: -.2pt;"> </span>amount<span style="letter-spacing: -.2pt;"> </span>before<span style="letter-spacing: -.2pt;"> </span>paying <span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-kd4pktjx.png)</span><span style="font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt;"><span style="mso-spacerun: yes;"> </span></span>Upload clear receipt photos

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-xuwyy8ew.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Include bank reference numbers

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-7k9bsqe5.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 2.0pt;"><span style="mso-spacerun: yes;"> </span></span>Allow 1-2 days for payment processing

### <span style="mso-font-width: 105%;">Applying<span style="letter-spacing: -.15pt;"> </span>for<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">Loans</span></span>

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-qlokzgsh.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; line-height: 122%; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Provide<span style="letter-spacing: -.3pt;"> </span>accurate<span style="letter-spacing: -.3pt;"> </span>information <span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-ufu2y97r.png)</span><span style="font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt;"><span style="mso-spacerun: yes;"> </span></span>Submit clear documents

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-9veki8at.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">Use EMI calculator first</span>

<span style="position: relative; top: -2.5pt; mso-text-raise: 2.5pt; mso-no-proof: yes;">![](http://wiki.lalco.la/uploads/images/gallery/2026-01/embedded-image-pcvrgnnb.png)</span><span style="font-size: 10.0pt; mso-bidi-font-size: 14.0pt; font-family: 'Times New Roman',serif; mso-hansi-font-family: Georgia; mso-bidi-font-family: Georgia; letter-spacing: 4.0pt; mso-font-width: 150%;"><span style="mso-spacerun: yes;"> </span></span>Review application before submitting