Finotive Personal Loan App Review: Scam Hai Ya Real? Warning – Bahut High Charges Aur Fraud Risk!

Aaj kal instant loan apps bahut popular ho gaye hain, especially un logon ke liye jo jaldi se paise chahiye hote hain jaise emergency medical, bill payment ya koi urgent kharcha. India mein bahut se apps claim karte hain ki wo 7 day loan ya instant personal loan dete hain bina zyada paperwork ke. Ek aisa hi app hai Finotive – Personal Loan (Play Store link: https://play.google.com/store/apps/details?id=com.birmecha.finotive). Is app ka overall rating Play Store pe 4.8 stars dikhta hai, lekin agar aap critical reviews dekhen to picture bilkul alag hai.

Yeh article specially unke critical reviews pe based hai jo real users ne likhe hain. Main yeh keh raha hoon ki Finotive app pe bharosa mat karo – yeh ek typical fake ya high-charge wala loan app lagta hai jo sirf data collect karta hai aur baad mein scam karta hai. Bahut se users ne bataya hai ki approval ke baad processing fee maangte hain, payment karne ke baad reject kar dete hain, aur loan kabhi milta nahi. Yeh ek 7 day loan app style ka hai jisme heavy interest aur hidden charges hote hain, lekin asal mein scam zyada lagta hai.

Finotive App Kya Hai Aur Iska Claim Kya Hai?

Finotive app Play Store pe available hai aur yeh claim karta hai ki personal loan jaldi se dega. App ka developer “Birmecha” hai, aur description mein instant approval, easy process wagairah likha hota hai. Lekin real users ke according, yeh sirf data collection app hai – Aadhaar, PAN, selfie, bank details leke baad mein harass karte hain ya fee maangte hain.

App ka overall rating high dikhta hai (4.8 stars), lekin yeh paid reviews ya fake positive se ho sakta hai. Kyunki critical section mein 1-star reviews bahut zyada hain, aur users bol rahe hain ki yeh scammers hain.

Critical Reviews Jo Real Users Ne Likhe (Play Store Se)

Yeh reviews December 2025 ke around ke hain, aur yeh sab critical tab mein se liye gaye hain. Inme se zyadatar users ne 1-star diye hain aur bahut gusse mein likha hai.

1. Aparajita Mallick (15/12/25, 1 star)
   “very bad aap only data collection donn’t apply this my all documents are correct but not approved very bad app”
   → Documents sahi hone ke baad bhi reject, sirf data collect karte hain.
2. Abhinandan Kumar Singh (14/12/25, 1 star)
   “i will not suggest anyone to use this application as i have got approval for the 60000 rps after that application asked for the 2400 rps processing fee, which i have made the payment (non-refundable) after that my application got rejected. fake app … please refund my 2400 rps ..”
   → Approval dikha ke 2400 Rs processing fee le li, non-refundable, phir reject! Yeh classic scam tactic hai.
3. User (04/12/25, 1 star)
   “these are scammers, who wants processing fee to pay first in some unknown account through UPI then didn’t give any loan….. please save yourself from these scammers…..there is no easy money….”
   → Processing fee UPI se maangte hain unknown account mein, loan nahi dete.
4. Dhananjay Verma (05/12/25, 1 star)
   “wrost app otp not receive”
   → OTP nahi aata, app work nahi karta.
5. Rajesh Kumar (05/12/25, 1 star)
   “fake loan they ask advance payment”
   → Advance payment maangte hain, fake loan.
6. Chinku Chaudhary (16/12/25, 1 star)
   “data collection application hai sirf never give any loan”
   → Sirf data collect karo, loan nahi dete.
7. Similar user (16/12/25)
   “data collection application hai sirf never give any loan all reviews are paid so dont waste your time”
   → Positive reviews paid hain, real users warn kar rahe hain.
8. Arjun Pandit (18/12/25, 1 star)
   “this app scammer all person not apply”
   → Sabko warn kiya mat apply karo.
9. Max Mishra (05/12/25, 1 star)
   “Don’t waste your time”
10. Suhasini Suhanane (20/12/25, 1 star)
    “don’t look for review all r fake”
    → Reviews fake hain, trust mat karo.

Yeh reviews se clear pattern dikhta hai:

• Approval dikhate hain to lure karo.
• Phir processing fee ya advance payment maangte hain (2000-3000 Rs).
• Payment karne ke baad reject ya disappear.
• Loan kabhi nahi milta.
• Sirf personal data (Aadhaar, PAN, photos, contacts) collect karte hain, jo baad mein misuse ho sakta hai.
• OTP issues, bad UI, etc.

Yeh sab typical illegal loan app scam ke signs hain jo India mein bahut common hain 2025 mein bhi. RBI ke according, aise apps fake hote hain aur harassment karte hain.

Finotive App Ke Heavy Charges Aur Risks

Agar yeh real bhi hota to bhi yeh 7 day loan app type ka hai, matlab short-term loan jisme interest bahut high hota hai – kabhi 100%+ annual rate tak pahunch jaata hai. Matlab 7 din ke liye 10,000 Rs loan pe 1000-2000 Rs extra interest/fee!

Lekin reviews se lagta hai yeh real loan bhi nahi deta – sirf scam. Risks:

• Money loss – Processing fee gayi.
• Data theft – Aapka Aadhaar, PAN misuse ho sakta hai identity theft ke liye.
• Harassment – Agar kabhi loan mil bhi gaya to high interest pe harass kar sakte hain.
• Fake reviews – Positive 4.8 rating paid se hai, real critical reviews ignore mat karna.

Real Loan Apps Kaise Choose Karen? Safe Alternatives

Agar aapko sach mein instant loan chahiye to RBI registered apps hi use karo jaise:

• MoneyTap, CASHe, Fibe (earlier EarlySalary), KreditBee, etc. (RBI list check karo).
• Kabhi advance fee mat do.
• Reviews carefully dekho, especially 1-star.
• App permissions check karo – unnecessary contacts/camera access mat do.
• Complaint ho to cybercrime.gov.in pe report karo ya 1930 call karo.

Conclusion: Finotive Se Door Raho!

Finotive – Personal Loan app bilkul avoid karo. Yeh sirf data collect karta hai aur scam karta hai jaise users ne bataya. High rating pe mat jao – critical reviews real hain aur bahut serious warnings hain. Paise ki zaroorat ho to trusted banks ya RBI-approved NBFC se loan lo, warna scam mein phas jaoge.

Agar aapne already apply kiya aur fee diya to turant cyber crime portal pe complain karo aur bank se transaction block karwao.

FAQ (Frequently Asked Questions)

Q1: Finotive app real hai ya fake?
A: Reviews ke according fake/scam lagta hai. Approval dikhake processing fee lete hain phir reject. Real loan nahi milta.

Q2: Finotive mein kitna interest charge hota hai?
A: Description mein low dikhaate hain lekin agar real hota to 7-day loan mein bahut heavy charges (high APR) hote. Lekin users kehte hain loan milta hi nahi.

Q3: Processing fee dene ke baad kya karna chahiye?
A: Turant refund maango, nahi mile to cybercrime.gov.in pe report karo. Screenshots rakho sabke.

Q4: Safe instant loan app kaun se hain?
A: RBI registered jaise Fibe, CASHe, PaySense, etc. Hamesha RBI website pe check karo.

Q5: Finotive ke positive reviews kyun high hain?
A: Users kehte hain paid/fake reviews hain. Critical tab mein real complaints dikhte hain.

Q6: Agar maine Finotive se data diya to kya risk hai?
A: Identity theft, phishing, ya harassment ho sakta hai. Passwords change karo aur monitor karo bank account.

Yeh article real user experiences pe based hai taaki aap safe raho. Koi bhi app try karne se pehle 100 baar socho! Share karo doston ke saath taaki koi na fase.