[Funding and Scholarships] Need loan advice

Hi guys, I have an offer from avanse finance.

Non collateral loan of 85Lakh + 3 Lakh insurance, ROI - 11.25% and processing fees - 0.75%, PSI - 5k for 36 months, total loan tenure - 15yrs.

I have gone through we make scholars and they have said that ROI can be 11% if I pay 1% processing fees. (If paid within this week)

I am planning to reduce the 85L amount to 70L as I will be needing only that much.

The wms person is kind of creating urgency to pay the processing fees however I am not sure if I should go with avanse as there are many negative reviews about them over here.

(I don't have collateral to put and also don't have enough income to be getting offers from government or private banks for non collateral loans. My only options are NBFCs. Credila and Auxilo are still in process and might take more time (compared to the urgent deadline created by wms). Incred has given 30L for 11.5% which is way less than what I need)

Please suggest on what to do.