New Delhi, Sept. 15 -- As personal credit becomes easier to access, Hyderabad-based fintech Capital Now is advocating a shift in how salaried professionals think about borrowing, from how much they can borrow to how much they can comfortably repay.

For many salaried professionals, taking a personal loan starts with a straightforward question: How much can I get?

But there is another question that may be more important: How much do I actually need?

The difference between the two can have a meaningful impact on a person's finances. A loan amount may look attractive when it is offered, but the real test begins when the monthly repayment becomes part of the household budget.

As digital lending makes credit faster and more accessible, plat...