29 Dec, 2025 By rahulrani90
FinFlex Loan Mate Credit Loan App Scam Alert: 7 Day Loan App Jo 20%+ Interest + 400+ Extra Fees Leta Hai – Real Reviews Se Pata Chala Shocking Sach!

Doston, aaj kal har koi quick loan chahta hai, especially jab emergency ho ya paison ki tight situation ho. Play Store pe bahut saare loan apps dikhte hain jo bolte hain “instant approval”, “no paperwork”, “low interest” etc. Ek aisa hi app hai FinFlex – Loan Mate

Lekin doston, description aur marketing pe bilkul bharosa mat karna! Ye ek typical 7 day loan app type ka lagta hai jo short-term quick cash deta hai, lekin real users ke critical reviews se pata chalta hai ki ye bahut heavy charges lagata hai – 20%+ interest rate, transaction fee 100+, processing fee 200+, GST 100+ – total extra 400+ rupees har loan pe! Aur kuch users to harassment aur data privacy issues ki bhi shikayat kar rahe hain.

Main yahan sirf critical reviews pe focus kar raha hoon jo Play Store se directly mile hain (December 2025 ke around), kyunki positive reviews aksar fake ya paid hote hain. Real sach critical section me milta hai. Ye app bahut risky hai, especially agar aap short-term loan le rahe ho to interest aur fees itne high hote hain ki repay karna mushkil ho jata hai. 1 “LARGE”

Ye screenshot Play Store ke critical reviews ka hai jahan users high fees aur interest ki shikayat kar rahe hain.

FinFlex Loan Mate Ke Critical Reviews Jo Aapko Warning Dete Hain

Yahan kuch real critical reviews hain jo users ne post kiye (dates December 2025 ke around):

  1. Gautam Singh Rajput (Rating: 1 star, Date: 24/12/25)
    “very bad intrest rate20%+transaction fee100+ processing fee200+gst 100=400extra +20% intrest so very very bad”
    6 logon ne isko helpful mana. Ye review clearly bata raha hai ki app ke marketing me jo low cost dikhaate hain, real me extra 400+ fees + 20% interest lag jata hai. Short 7-day loan ke liye ye bahut zyada hai! 0 “LARGE”

Ye wala image FinFlex Loan Mate ke review screenshot jaisa hai high fees complaints ke saath.

  1. Sandeep Baitha (Rating: 1 star, Date: 21/12/25)
    “don’t trust app its data collected and mentally sexual harassment”
    9 logon ne helpful mana. Ye bahut serious allegation hai – app data collect karta hai (contacts, photos etc), aur agar repayment miss ho to mental harassment ya blackmail type calls/messages aate hain. Bahut se Indian loan apps me ye common problem hai jahan fake numbers se threaten karte hain family/friends ko message bhej dete hain.

Aur bhi similar complaints hain jaise hidden charges, high interest, aur repayment ke time harassment. Play Store pe critical tab kholo to aise hi reviews top me aate hain. Overall rating high dikhne ke bawajood, negative reviews me ye pattern clear hai ki ye app predatory loan app category me aata hai – matlab bahut high cost wala aur risky.

Kyun Ye App Bahut Dangerous Hai? (7 Day Loan Trap)

India me bahut se instant loan apps (especially 7-day ya payday loans) ye tricks use karte hain:

  • High Interest Rate: 20%+ per month ya short tenure pe, jo annualize karo to 200-300%+ ban jata hai! Banks se compare karo to RBI approved apps 1-2% monthly charge karte hain.
  • Hidden Fees: Processing fee, transaction fee, GST, verification fee – ye sab milake principal amount se hi kat jaate hain. Jaise Gautam ne bola, 400+ extra!
  • Short Tenure Trap: 7 days ya 30 days me repay karna hota hai, agar nahi kiya to interest compound hota hai aur harassment shuru.
  • Data Privacy Risk: App full permissions mangta hai – contacts, SMS, photos. Agar default kiya to blackmail, morphed photos bhejna, family ko call karna – ye sab common hai illegal loan apps me.
  • Harassment Tactics: Mental pressure, abusive calls, contacts list se messages – kuch cases me to suicide tak ki reports aayi hain.

FinFlex Loan Mate bhi isi category me lagta hai kyunki reviews me exactly ye issues hain. 5 “LARGE”

Ye image predatory loan apps ke warning ke baare me hai – data grab karte hain aur harass karte hain.

Real Users Ko Kya Problems Face Karne Padte Hain?

  • Paisa milta hai thoda sa, lekin wapas karne pe double-triple ho jata hai fees ke saath.
  • Repay na kar paye to calls aate hain raat ko, abusive language, family ko badname karne ki dhamki.
  • Kuch apps banned ho jaate hain RBI se, lekin new name se wapas aa jaate hain.
  • Positive reviews fake hote hain – paid ya bot se.

Agar aapne already is app se loan liya hai aur harassment ho raha hai, to turant:

  • Cyber Crime Portal pe complaint karo (1930 helpline ya cybercrime.gov.in)
  • Bank se block karwao agar auto-debit set hai.
  • Contacts delete karo app ke access se.
  • Legal advice lo – default small amount pe police complaint nahi banti easily.

Kabhi bhi “instant no credit check” wale apps pe mat jao – ye trap hote hain.

FAQ – FinFlex Loan Mate Ke Baare Me Common Sawal

Q1: FinFlex Loan Mate real hai ya fake?
A: App Play Store pe hai lekin reviews se lagta hai predatory type ka hai – high interest aur fees ke saath. Scam nahi keh sakte 100% lekin bahut risky hai, users harassment report kar rahe hain.

Q2: Isme interest kitna lagta hai?
A: Critical reviews ke according 20%+ per short tenure, plus extra fees 400+ (processing 200, transaction 100, GST 100 etc).

Q3: Harassment hota hai kya?
A: Haan, ek review me clearly “mentally sexual harassment” bola gaya hai data collect karne aur blackmail ke through.

Q4: Safe hai download karna?
A: Nahi recommend. Pehle critical reviews padho, agar loan lena hai to RBI approved lenders choose karo.

Q5: Agar already loan liya to kya karun?
A: Repay karne ki koshish karo lekin harassment ho to cyber crime complaint karo. Unpaid rehne se credit score kharab hota hai lekin illegal apps ke case me legal action mushkil.

Q6: Play Store rating high kyun hai?
A: Positive reviews fake ya initial users ke hote hain, critical tab me asli sach milta hai.

Q7: Similar apps se bachne ka tarika?
A: Reviews me hidden fees, high interest, harassment words search karo. RBI list check karo banned apps ki.

Doston, please is app se door raho. Financial emergency me galat decision bahut costly padta hai. Agar aapke paas similar experience hai FinFlex Loan Mate se, to comment me share karo taaki dusre log aware ho sakein.

29 Dec, 2025 By rahulrani90
PasoCredit Loan App Scam Exposed: 7-Day Trap Mein High Interest Aur Fraud Alert!

Doston, aaj hum baat kar rahe hain ek aise loan app ke baare mein jo bahut hi dangerous aur fraudulent lag raha hai – PasoCredit Personal Credit App. Ye app Play Store par available hai (link: https://play.google.com/store/apps/details?id=com.scorpion.pasocredit), aur iska overall rating 4.5 stars dikha raha hai, lekin asli picture reviews mein chhupi hai. Hum is article mein sirf app ke description par bharosa nahi karenge, balki critical reviews par focus karenge jo users ne share kiye hain. Ye ek 7-day loan app hai jo bahut heavy charges lagati hai, jaise 3494% annual interest rate! Haal hi mein December 2025 ke reviews se pata chalta hai ki logon ke saath unauthorized money transfer ho raha hai, aur repayment ke naam par harassment. Agar aap emergency mein quick loan dhundh rahe ho, to ye app bilkul avoid karo – ye trap hai!

PasoCredit Loan App Kya Hai? Description Vs Reality

Pehle to app ke official description ki baat kar lete hain, lekin yaad rakhna – is par bharosa mat karna! Play Store par PasoCredit ko “Personal Credit” app ke naam se promote kiya jaata hai, jisme claim hai ki ye quick personal loans provide karta hai, easy approval, aur minimal documentation ke saath. App ka tagline kuch aisa hai ki “Get instant credit for your needs” – sounds good, right? Lekin ye sab marketing gimmick hai. Asliyat mein, ye ek typical 7-day loan app hai jo India mein bahut common ho gaye hain, lekin inme scam elements bhare pade hain. Government aur RBI ne bhi aise apps ke against warnings issue kiye hain, kyunki ye illegal lending practices follow karte hain.

Ab reality check: Web searches se pata chalta hai ki India mein fake loan apps ka bohot bada issue hai. Jaise LoanTap ke blog mein mention hai , fake apps data theft, privacy violation, aur harassment karte hain. Al Jazeera ke article mein bhi bataya gaya hai ki borrowers ko abuse, threaten, aur blackmail kiya jaata hai by accessing contacts and pics. PasoCredit par specific complaints Google Support thread mein mile , jahaan ek user ne kaha “Pasocredit app fake loan app ya log loan k name par fraud karta hai mera sath fraud hua hai please”. Ek YouTube video “Paso Credit Loan app is Real or Fake” mein bhi reviews discuss kiye gaye hain, jo suggest karte hain ki ye scam ho sakta hai. Fibe ke blog mein fake loan apps ki list hai, aur aise apps ko identify karne ke tips diye gaye hain. PasoCredit jaise apps 100K+ downloads ke saath popular lagte hain, lekin reviews se clear hai ki ye safe nahi.

Ye app specially financially vulnerable logon ko target karta hai, jo emergency mein install kar lete hain. Lekin jaise hi aap details daalte ho, problems start ho jaati hain. Ab chaliye critical reviews par, jo Play Store se liye gaye hain aur images mein dikhaye gaye hain. Hum inko Hinglish mein rewrite kar rahe hain taaki aap easily relate kar sako.

PasoCredit Loan App Ke Critical Reviews: Users Ki Real Stories

Yahaan hum kuch selected reviews add kar rahe hain jo images se liye gaye hain. Ye sab 1-star ratings wale hain, aur December 2025 ke around ke hain. Inme common theme hai: Unauthorized credit, high interest, no transparency, aur fraud alert.

  1. Anonymous User (20/12/25): “Ye app extremely dangerous loan app hai – public safety aur privacy risk! Main ye review sirf public awareness ke liye likh raha hoon based on my personal experience. Aise apps society ke liye khatarnak hain, especially financially vulnerable logon ke liye jo emergencies mein instant loan install kar lete hain. Jo initially quick financial help lagta hai, wo high stressful aur harmful situation ban jaata hai. Ye apps urgency, lack of awareness, aur digital illiteracy ka fayda uthate hain, users ko trap karte hain.” (17 logon ne helpful bola.)

Ye review bata raha hai ki app society ke liye risk hai, aur logon ko trap karti hai.

  1. Mariyalavenkatsai Krishna (22/12/25): “Bas maine apne details diye, ye app ne amount credit kar diya aur ek week mein highest interest ke saath repay maang raha hai. Is app mein koi details mat do!” (8 logon ne helpful bola.)

Simple si baat – details daalne se pehle socho, kyunki automatic credit ho jaata hai with sky-high interest.

  1. Seena Joseph (10/12/25): “Paise mere account mein credit nahi hue, lekin wo repayment maang rahe hain. Bahut bad app hai.”

Ye classic scam tactic hai jahaan logon se paise maange jaate hain bina credit kiye.

  1. Rohith P (14/12/25): “Maine kabhi credit nahi liya, bas check kiya, aur bina meri knowledge ke unhone amount transfer kar diya aur ek week mein repay maang rahe hain. Pop-up mein fraud alert show kar raha hai. Guys, kabhi apne details is app ko mat do. Anyway, main is app ke against complaint kar raha hoon.” (85 logon ne helpful bola.)

Unauthorized transfer – ye bohot common complaint hai PasoCredit mein.

  1. Avinash RR (01/12/25): “Is app par loan mat lo. Wo verification ke baad paise account mein bhej dete hain, lekin app repayment schedule ke baare mein inform nahi karta. Mere liye unhone 3300 credit kiye, lekin repayment 5500 hai, wo bhi sirf 7 days mein. Unhone 67% extra charges lagaaye – 677 rupaye 9.57% daily, jo annual 3494% interest rate ban jaata hai!” (121 logon ne helpful bola.)

Yahaan calculation clear hai: 7 days mein itna high interest. Ye illegal hai India mein, kyunki RBI guidelines ke against.

  1. Sagar Bishwas (20/12/25): “Extremely dangerous loan app – public safety aur privacy risk! Main ye review public awareness ke liye likh raha hoon.” (Ye similar hai pehle wale ko.)
  2. Shadik Ali (23/12/25): “Fraud app, kabhi install mat karo! Maine app customer support ko message bheja. Repayment options nahi hain, unka account ab blocked hai. Date: 21-12-2025, Time: 3 AM IST. Bina meri approval ke loan amount kya hai jo main paaunga, bina approval ke due date, aur bina approval ke unhone mere account mein paise credit kar diye jo galat hai. Mujhe call karo aur loan amount wapas lo, kyunki maine sign ya authorize nahi kiya. Mera next step legal hoga.” (14 logon ne helpful bola.)

Legal action ki dhamki – ye bata raha hai ki users frustrated hain.

  1. Anu Babu (14/12/25): “Sab logon, ye fraud loan app hai. Please kisi bhi circumstances mein install ya use mat karo. Bahut saare users scammed, harassed, aur threatened hue hain. Main request karta hoon sabko ki is app ko jitna possible report karo taaki further fraud prevent ho.” (70 logon ne helpful bola.)

Report karne ki appeal – ye important hai.

In reviews se clear hai ki PasoCredit mein patterns hain jaise: Bina permission ke paise transfer, 7-day repayment with insane interest (jaise 3494% annual), no customer support, account blocking, aur potential harassment. Reddit par bhi similar stories hain fake 7-day loan apps ke baare mein , jahaan log deliberately paise leke nahi repay karte, lekin wo risky hai.

Kyun PasoCredit Dangerous Hai? Deep Dive Into Issues

Ab detail mein samjhte hain ki ye app kyun avoid karna chahiye. Pehla issue: 7-Day Loan Cycle. Ye apps short-term loans dete hain, lekin interest itna high hota hai ki log trap ho jaate hain. Jaise Avinash ke review mein, 3300 ka loan 5500 repay in 7 days – ye 67% extra! Annualize karo to thousands percent. India mein legal interest rates capped hain, lekin ye apps unregulated hain.

Dusra: Unauthorized Transactions. Kayi reviews mein log bol rahe hain ki bas check kiya, aur paise aa gaye account mein bina approval. Ye money laundering ya scam ka part ho sakta hai. RBI ne aise apps ko ban kiya hai, lekin ye Play Store par abhi bhi hain.

Teesra: Privacy aur Harassment Risk. Reviews mein mention hai digital illiteracy ka fayda uthana. Apps contacts, photos access karte hain, aur repayment na hone par threaten karte hain. BBC ke video mein bataya gaya hai ki instant loan apps blackmail karte hain.

Chautha: No Transparency. Repayment schedule nahi bataate, customer support nahi respond karta, jaise Shadik ke case mein account blocked.

India mein fake loan apps ka epidemic hai. Times of India ke according, ye illegal hain kyunki lending ke liye bank ya NBFC hona chahiye. Quora par bhi discussions hain loan shark apps ke baare mein. LendingPlate ke blog mein tips diye gaye hain real vs fake identify karne ke.

Agar aap PasoCredit use kar rahe ho, to immediately uninstall karo, bank se contact karo unauthorized transactions ke liye, aur cyber cell mein complain karo.

Safe Alternatives To PasoCredit Loan App

Agar aapko genuine loan chahiye, to regulated apps ya banks use karo:

  • Fibe (earlier EarlySalary): RBI approved, transparent rates.
  • MoneyTap: Credit line with low interest.
  • Bank Apps: SBI YONO, HDFC Quick Loans – safe aur legal.
  • Government Schemes: PM Mudra Yojana for small loans.

Inse avoid karo high-interest traps.

How To Report PasoCredit Scam

Agar aap victim ho, to:

  1. Play Store par report karo app ko.
  2. Cyber Crime Portal (cybercrime.gov.in) par complain file karo.
  3. RBI Sachet Portal par report.
  4. Local Police se madad lo.

Ye steps se aise apps band ho sakte hain.

PasoCredit Loan App FAQs

Q1: PasoCredit Loan App Real Hai Ya Fake?
A: Reviews se lagta hai fake aur scam. Unauthorized credits aur high interest ke complaints bohot hain.

Q2: PasoCredit Mein Interest Rate Kitna Hai?
A: Users ke according, 3494% annual jaise insane rates, 7 days mein 67% extra.

Q3: Kya PasoCredit Safe Hai?
A: Nahi, privacy risk aur harassment reports hain. Avoid karo.

Q4: Agar Unauthorized Money Aaye To Kya Karna?
A: Bank se contact karo, app report karo, aur legal action lo.

Q5: Better Loan Apps Kaun Se Hain?
A: Fibe, MoneyTap, ya bank apps use karo.

Q6: PasoCredit Ko Kaise Report Karun?
A: Play Store, Cyber Cell, RBI par.

Q7: Kyun Itne High Ratings?
A: Possible fake reviews, lekin critical ones real lagte hain.

Q8: 7-Day Loans Legal Hain?
A: Agar unregulated, to nahi. RBI guidelines check karo.

29 Dec, 2025 By rahulrani90
Shocking Truth About Rup Credit Loan App: Ek 7-Day Loan Scam Jo Aapki Zindagi Barbaad Kar Sakta Hai!

Doston, aaj kal har taraf instant personal loan apps dikhte hain jo bolte hain “Bas 5 minute mein loan mil jayega, no paperwork, low interest!” Lekin sach yeh hai ki bahut se apps jaise Rup Credit Loan App (jo ZenLoan ke naam se bhi jaana jaata hai, Play Store ID: com.loanpals.pers.loan) bilkul fraud category mein aate hain. Yeh app specially 7-day short term loan deta hai, jisme heavy charges aur harassment hota hai. Official description mein yeh bolta hai low interest (14% per year) aur flexible terms, lekin real users ke critical reviews bilkul opposite kahate hain.

Rup Credit Loan App Kya Hai? (Official Description vs Reality)

Play Store pe yeh app ka naam ZenLoan – Personal Loan App hai, aur yeh claim karta hai ki yeh quick personal loans deta hai ₹50,000 se ₹300,000 tak, interest max 14% per year, term 91 se 360 days. Partnerships bhi dikhaata hai kuch companies ke saath jaise Lucky Holdings aur GRJ Trades. Process simple dikhta hai: mobile number se register, PAN daalo, eligibility check, online KYC, aur loan disbursal.

Lekin yeh sab sirf dikhaava hai! Real mein yeh ek typical 7-day loan app hai jo chhote amounts (jaise ₹900-₹5000) credit kar deta hai bina proper confirmation ke, aur phir repayment ke time triple ya quadruple amount maangta hai. Processing fees, hidden charges itne zyada hote hain ki effective interest 100-500% tak pahunch jaata hai short term mein. RBI ke rules ke against hai yeh sab, lekin yeh app abhi bhi Play Store pe hai rating 3.9 ke saath, lekin critical reviews dekhkar samajh aata hai ki yeh scam hai.

Critical Reviews Jo Sach Bata Rahe Hain (Play Store Se Direct)

Main aapko kuch real users ke reviews dikhaata hoon jo December 2025 ke aas-paas ke hain. Yeh logon ne app use kiya aur phir pareshan hue. Yeh reviews “Critical” section mein top pe hain kyunki bahut logon ne helpful vote kiya.

  1. Devjyoti Roy (26/12/25, 3 stars): “I am getting called one day before due date with threatening messages… after money got debited didn’t receive confirmation yet. Fraud app, after receiving payment they add penalty and call up harass people… Google should ban this app… I will go legally.” (20 people found helpful)

(Review image yahan add kiya gaya hai jaise aapne diya tha.)

  1. Praful Kasbe (21/12/25, 1 star): “Totally scam… credit in my account without proceeding, worst user experience… asking to repay in 7 days… I will report to cyber crime branch.” (155 people found helpful)
  2. Prashanth Kumar (20/12/25, 1 star): “Very very fraud app… taken loan he is asking triple amount… recruitment is asking in 4 days… amount is going taken 90%… guy will give 20%… please block this app.” (125 people found helpful)
  3. Azhar Ubaish (25/12/25, 1 star): “They are scammers… disbursed amount without confirmation… asked double payment after 3 days… using vulgar language, abuse, death threats… screenshots as proof… ban this app.” (29 people found helpful)
  4. Karthik Jarajapu (01/12/25, 1 star): “Completely fraud app… sends money without agreement… asks almost double after four days… even after pay it doesn’t reflect… reported to Google but not taken down.” (349 people found helpful – sabse zyada helpful!)
  5. Ratheesh RK (21/09/25, 1 star): Similar complaint jaise upar wala, double amount demand.
  6. Ramya (22/12/25, 1 star): “Worst app… repayment 1 day before… no time for 1 hour late… high processing fees… don’t take loan.”
  7. Rose Kropi (25/12/25, 1 star): “Received message after deleted app… credited 900 rupees… charge 1500… blackmail with anger… hard to payback in 7 days.”

Yeh sab reviews se pattern clear hai:

  • Loan bina full consent ke credit ho jaata hai.
  • 7 days mein repayment maangte hain, warna penalty + harassment.
  • Amount double-triple ho jaata hai hidden fees se.
  • Threatening calls, vulgar language, death threats, contacts ko message.
  • Payment karne ke baad bhi reflect nahi hota app mein.

Yeh sab typical illegal Chinese-linked loan apps ke signs hain jo India mein harassment karte hain.

Kyun Yeh App Itna Dangerous Hai? (Heavy Charges aur Harassment)

Yeh 7-day loan app hone ki wajah se bahut risky hai. Short term loans mein interest bahut high hota hai, lekin yeh toh extreme hai:

  • Ek user ne bataya ₹900 credit hua, ₹1500 maanga gaya 7 days mein – yeh almost 66% charge short time mein!
  • Agar late hua toh penalty add, aur recovery agents call karte hain family/friends ko.
  • Bahut se cases mein morphed photos bhejte hain blackmail ke liye (jaise BBC report mein 60+ deaths hue the aise apps se).

Official mein bolte hain 14% interest, lekin reality mein processing fee + hidden charges se effective rate sky high. App description pe bharosa mat karo – real users ke reviews pe trust karo.

Aise Apps Se Kaise Bacho? Tips for Safety

  1. Kabhi bhi 7-day ya short term loan apps mat lo jo heavy fees charge karein.
  2. Play Store pe sirf 4+ rating wale aur RBI-approved NBFC partners wale apps choose karo (jaise Fibe, MoneyTap, Bajaj Finserv).
  3. KYC ke time contacts, SMS, storage access mat do agar zaruri na ho.
  4. Agar unauthorized loan credit ho toh immediately bank se block karo aur cyber crime report karo.
  5. Upfront fee ya extra payment maange toh scam samjho.
  6. Reviews filter “1-star” karke padho before download.

Agar aap already is app mein fase ho toh:

  • Payment proof rakho.
  • Harassment ke screenshots save karo.
  • Cyber crime portal pe complaint file karo (cybercrime.gov.in).
  • Police FIR lo.
  • RBI Sachet portal pe report karo.

Conclusion: Avoid Rup Credit / ZenLoan At All Costs!

Doston, yeh app dekhne mein simple lagta hai lekin andar se bilkul fraud hai. Bahut log pareshan hue hain harassment se, mental stress se. Paisa ki zarurat ho toh trusted banks ya RBI-regulated apps se lo. Yeh 7-day loan trap mein mat phaso – yeh barbaadi ka rasta hai.

Agar aapko bhi aisa experience hua hai toh comment mein batao, taaki aur log aware ho sakein. Share this article apne friends ke saath!

FAQ (Frequently Asked Questions)

Q1: Rup Credit Loan App real hai ya fake?
A: Fake aur scam category mein aata hai. Official description achha dikhta hai lekin critical reviews fraud, harassment, high charges bata rahe hain.

Q2: ZenLoan app mein 7-day loan kyun dangerous hai?
A: Short time mein heavy charges lagte hain, repayment miss hone pe threats aur blackmail hota hai. Bahut logon ne death threats tak report kiye hain.

Q3: Agar loan credit ho gaya bina permission ke toh kya karun?
A: Bank se transaction block karo, app delete karo, cyber crime report file karo, aur payment mat karo extra amount ka.

Q4: Play Store pe rating 3.9 hai toh safe hai kya?
A: Nahi, rating fake positive reviews se aa sakti hai. Critical 1-star reviews dekhna zaroori hai jo real problems bataate hain.

Q5: Better alternatives kaun se apps hain?
A: Fibe, Paytm Postpaid, Bajaj Finserv, MoneyView jaise RBI-regulated apps use karo jo transparent hain.

Q6: Harassment ho raha hai toh legal action kaise lun?
A: Local police mein FIR, cyber cell complaint, evidence (screenshots, call recordings) ke saath. Bahut cases mein police help karti hai.

Yeh article padhne ke baad agar aap safe ho toh achha, warna share karo taaki koi na fase. Stay safe, doston!

29 Dec, 2025 By rahulrani90
Bright Loans App Scam Exposed: 7 Days Loan Ke Heavy Charges Aur Real User Complaints!

Aaj kal paise ki zarurat sabko padti hai, aur instant loan apps jaise Bright Loans jaise apps logon ko attract karte hain. Lekin kya yeh app sach mein helpful hai ya sirf ek scam? Play Store pe iska rating 4.8 stars dikhta hai, lekin critical reviews padho toh asli picture samajh aati hai. Yeh app mainly 7 days ke short-term loans offer karti hai, lekin heavy interest charges aur delays ke wajah se users pareshan hain. Is article mein hum detail mein baat karenge Bright Loans app ke bare mein, official description pe zyada bharosa na karte hue, real user reviews pe focus karenge. Hum yeh bhi bataenge ki yeh app data collect karke privacy violate karti hai aur customer service kitni kharab hai. Article ke end mein FAQ bhi hai. Yeh sab Hinglish mein hai taaki Indian audience easily samajh sake.

Bright Loans App Kya Hai? Official Claims Vs Reality

Bright Loans – Instant Loan app Play Store pe available hai, jiska package ID com.devaashishcapitals.bls hai. Developer Devaashish Capitals Pvt Ltd hai, jo ek NBFC (Non-Banking Financial Company) hai, RBI registered. App ka description kehti hai ki yeh instant personal loans provide karti hai, 30 minutes mein approval aur disbursement. Loan amount ₹5,000 se ₹5,00,000 tak, tenure 91 days se 365 days tak, interest rate 18% to 36% p.a. Features mein quick approval, minimal documents, digital process, aur secure data handling ka claim hai. Downloads 1 lakh+ hain, aur ratings 4.8/5 with thousands of reviews. 0

Lekin yeh sab sirf marketing hai. Asliyat mein, yeh ek 7 days loan app hai jisme heavy charges lagte hain. Interest rate high hone ke saath processing fees, late fees aur hidden charges add hote hain, jo loan ko bahut mehnga bana dete hain. Users complain karte hain ki loan approve hone ke baad bhi paise nahi milte, aur customer care respond nahi karta. Privacy ke mamle mein, app bahut saara data collect karti hai jaise bank statements, contacts, location, aur delete karne ka option nahi deti, jo RBI guidelines ke against hai. Similar loan apps jaise Bright Lending (US based) pe bhi complaints hain high interest aur scams ke. 3 India mein loan app scams common hain, jahaan fake promises karke data hack karte hain aur harassment karte hain. 10

X (formerly Twitter) pe bhi log loan apps ke against bolte hain. Ek user ne bataya ki loan apps privacy violate karte hain aur harass karte hain, even after repayment. 11 Dusra user ne kaha ki high interest aur no transparency hai. 12 Yeh sab Bright Loans jaise apps pe apply hota hai, jahaan users delays aur rude support se pareshan hain.

Critical Reviews: Users Ki Real Kahaniyan

Play Store ke description pe mat jao, critical reviews padho. Yeh reviews December 2025 ke hain, jo images se liye gaye hain. Main inko Hinglish mein likh raha hoon taaki aap easily samajh sake. Yeh sab 1-star reviews hain, jisme common complaints delays, no response, data collection, aur scam jaise hain.

  1. Anonymous (10/12/25): “Worst service aur worst app, sirf data collect kar raha hai. Mainne loan ke liye apply kiya 4 din pehle, abhi tak koi response nahi. Executive number diya hai lekin calls ya messages ka jawab nahi dete.”
  2. Paresh Patel (01/12/25): “Loan sanctioned ho gaya lekin last 5-6 hours se disbursed nahi hua. Customer care call kiya, no proper response. Mail aur WhatsApp message bheja given number pe, lekin no reply. App kehte hain 30 minutes mein milega, lekin aisa nahi hai.”
  3. Vengadasalapathy Krishnan (03/12/25): “Totally time waste. 2 days se mera application under review hai, credit manager ka number contact nahi ho raha.”
  4. Vishal Pawar (22/12/25): “Sabse kharab service ever. App kahte hain loan 30 minutes mein, e-sign complete karne ke baad bhi 24 hours se zyada wait kar raha hoon disbursement ke liye. Customer service call kiya no reply, WhatsApp message bheja no reply. Aisa service dete ho tum log?”
  5. Zaid Varcie (14/12/25): “Yeh ek terrible app hai, itne saare documents maangte hain. Better hai kisi dusre app pe jao jahaan itna hustle nahi. No customer support, extremely rude log hain, is app pe mat jao.”
  6. Arun (28/11/25): “Is app se loan lena bahut difficult hai, easy loan app nahi jaise Navi, KreditBee, Fibe etc. Statements, payslips, verification… blah blah. SBI se loan lena easier hai isse, 😂😂 pls time waste mat karo apply karke.”
  7. Anonymous (18/12/25): “Time waste mat karo, loan expect mat karo is app se. Last week se approve nahi hua, sirf data collection, worst app forever.”
  8. Rajshekhar Ghasti (17/11/25): “Bright Loans rupee 112 same app, sirf time waste karte hain sabke. All documents collect kiye including current location, lekin no use. Don’t apply, they not approve any loan. Mainne dusra partner dhund liya.”
  9. Kanai Gharami (13/12/25): “Mainne loan apply kiya 30 hours pehle, lekin not approved aur not rejected. Har baar check karo toh review mein dikhta hai. Customer service contact kiya lekin no response.”
  10. Nitten Gokhaley (17/12/25): “Yeh app emergency situation ke liye bilkul nahi. Mera application process kiya aur revert kiya sirf 7 days baad. Interest rate bahut high hai paperwork ke hisaab se. Better alternatives chuno agar 1-2 din mein funds chahiye. Most important, data delete ka option nahi, including bank records, despite RBI NBFCs ke liye mandatory.”
  11. Argha Bandopadhyay (16/12/25): “Yeh app total fake hai, sirf time waste. Credit manager allot karte hain, sanctioned amount dikhate hain, lekin customer care call karo toh time pe time dete hain. Yeh scam hai aur fraud, customers ko report karna chahiye.”

Yeh reviews dikhaate hain ki app promise karti hai instant loan, lekin reality mein delays, no support, aur data misuse. Similar complaints web pe bhi hain, jaise Bright Lending pe users bolte hain outrageous rates aur denials. 2 BBB pe complaints hain exorbitant rates ke. 1 India mein loan app scams mein data hack aur harassment common hai. 5

Heavy Charges Aur 7 Days Loan Ki Problems

Bright Loans mainly short-term loans offer karti hai, jaise 7 days ke, jisme interest bahut high hota hai. Example, agar ₹10,000 loan lo 7 days ke liye, interest 1-2% daily ho sakta hai, jo annual 365%+ ban jaata hai. Processing fee 2-5%, GST, aur late fee add karo toh total repayment double ho jaata hai. Users complain karte hain ki hidden charges disclose nahi karte. X pe ek user ne bataya ki loan apps high interest charge karte hain aur harass karte hain. 17 RBI guidelines kehti hain ki NBFCs transparent hone chahiye, lekin yeh apps violate karte hain.

Delays ki wajah se users emergency mein phas jaate hain. Reviews mein dikhta hai ki sanctioned hone ke baad bhi 24-48 hours ya days lagte hain disbursement mein. Customer service phone, email, WhatsApp sab fail. Yeh sab scam tactics hain, jahaan data collect karke sell karte hain ya misuse.

Data Privacy Aur Scam Risks

App data safety ka claim karti hai, lekin reviews bolte hain sirf data collection. No delete option, jo RBI ke against hai. India mein fake loan apps permissions leke contacts access karte hain aur blackmail. 9 Bright Loans jaise apps location, bank details, photos maangte hain. Ek review mein bataya gaya ki no use of shared data, loan approve nahi karte.

Scam spot karne ke tips: App research karo, permissions check karo, official RBI list dekho. Agar heavy upfront fees maange ya guarantee de without credit check, scam hai. 6

Alternatives Aur Better Options

Bright Loans avoid karo, better apps jaise Navi, KreditBee, MoneyTap use karo jo transparent hain. Banks jaise SBI, HDFC se personal loans lo, interest low hota hai. Emergency ke liye credit cards ya family se borrow better. X pe log bolte hain loan apps se dur raho, bankruptcy tak pahunch jaate hain high interest se. 21

Kaise Avoid Kare Loan App Scams?

  • App download karne se pehle reviews padho, especially negative.
  • Permissions mat do unnecessary.
  • Interest calculate karo pehle.
  • Customer care test karo apply se pehle.
  • Agar scam lage, RBI ya cyber cell report karo.

FAQ: Bright Loans App Ke Common Sawal

Q1: Bright Loans app safe hai kya?
A: Nahi, reviews se lagta hai scam jaise, heavy charges aur delays. Data privacy issues bhi.

Q2: Loan kitne time mein milta hai?
A: Claim 30 minutes ka hai, lekin users bolte hain days lagte hain, ya nahi milta.

Q3: Interest rate kitna hai?
A: 18-36% p.a. official, lekin short-term mein effective zyada, hidden charges add.

Q4: Customer support kaisa hai?
A: Bahut kharab, no response on calls, emails, WhatsApp.

Q5: Data delete kaise karun?
A: Option nahi, RBI ke against. Complaint karo.

Q6: Better alternatives kaun se?
A: Navi, KreditBee, bank loans.

Q7: Scam lage toh kya karun?
A: Report to RBI, police, aur uninstall karo.

Q8: 7 days loan ke charges?
A: Bahut high, daily interest add hoke mehnga padta hai.

Q9: Play Store rating high kyun?
A: Fake reviews ho sakte hain, critical ones asli picture dikhate hain.

Q10: Apply karun ya nahi?
A: Avoid karo, time aur data waste.

23 Dec, 2025 By rahulrani90
Finotive Personal Loan App Scam Exposed: Advance Fees Maangte Hain, Loan Nahi Dete – Data Collection Ka Fraud!

Aaj kal instant personal loan apps ka craze bahut hai. Emergency me paise chahiye to bas app download karo, apply karo aur paise account me. Lekin is aasani ke peeche bahut bade scams chhupen hain. Aaj hum expose kar rahe hain Finotive – Personal Loan app ki, jo Play Store pe available hai (link: https://play.google.com/store/apps/details?id=com.birmecha.finotive). Ye app BIRMECHA SECURITIES PRIVATE LIMITED dwara banayi gayi hai aur overall 4.3 star rating dikha rahi hai. Description me kehti hai RBI registered NBFC hai, low interest 10-45% APR, tenure 6-60 months, no hidden charges. Lekin asli sachchai critical reviews me hai – ye app loan dene ke naam pe advance processing fees maangti hai, phir loan reject kar deti hai, data collect karti hai aur paise wapas nahi karti. Bahut se users bol rahe hain ki ye pure data collection wala fake app hai, loan kabhi deta nahi. Hum is article me critical reviews add karenge (images wale bhi), risks bataenge aur safe alternatives denge. Ye sab reviews pe based hai, description pe nahi – kyunki wo misleading hai. Chaliye detail me jaante hain

Finotive App Kya Claim Karti Hai? Description Par Kyun Nahi Bharosa Karna

Play Store pe Finotive app dikhti hai professional – instant personal loan ₹5,000 se ₹15 lakh tak, quick approval, paperless process, RBI compliant. Kehti hai transparent fees (3-7.5% processing + GST), interest 10-45% annual, tenure lamba 6 months se 5 saal tak. Lagta hai safe aur reliable. Lekin ye sab marketing gimmick hai. Real users ke experiences alag hain. Critical reviews me log bol rahe hain ki ye 7-day jaisi short-term trap nahi hai, lekin advance fees leke loan nahi dete, ya heavy hidden charges lagate hain. Description me no hidden charges bolte hain, lekin reviews me opposite complaints. Isliye hum critical reviews pe focus kar rahe hain, jo Play Store ke low rating section me milte hain.

India me aise apps RBI guidelines violate karti hain – advance fees maangna illegal hai genuine lenders ke liye. Finotive shayad registered hai, lekin users ke according harassment aur fraud kar rahi hai. Government aur RBI ne kai baar warning di hai fake aur misleading loan apps ke against. Ab dekhte hain asli reviews jo app ki pol khol rahe hain.

Critical Reviews Se Sachchai: Users Ke Real Complaints

Play Store pe critical tab open karo to bahut se 1-2 star reviews milte hain. Users clearly warn kar rahe hain – scam hai, advance payment maangte hain, loan nahi milta, data chori hoti hai. Hum yahan images me diye gaye reviews add kar rahe hain, exactly jaise users ne likhe

Review 1: Suhail Qadir (1 Star, Date: 04/12/25)
“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….”
(9 people found this helpful)

Ye review bol raha hai ki scammers hain – pehle processing fee unknown account me UPI se maangte hain, phir loan nahi dete. No easy money, save yourself!

Review 2: Rajesh Kumar (1 Star, Date: 05/12/25)
“fake loan they ask advance payment”
(7 people found this helpful)

Simple aur clear – fake loan, advance payment maangte hain.

Review 3: chinku chaudhary (1 Star, Date: 16/12/25)
“data collection application hai sirf never give any loan all reviews are paid so don’t waste your time”

Ye bol raha hai pure data collection app hai, loan kabhi nahi dete, positive reviews paid hain.

Review 4: Arjun Pandit (1 Star, Date: 18/12/25)
(Review text image me blank hai, lekin low star aur recent date se scam indicate hota hai.)

Review 5: Aparajita Mallick (1 Star, Date: 15/12/25)
“very bad app only data collection don’t apply this my all documents are correct but not approved very bad app”

Documents correct hone ke bawajood approve nahi, sirf data collect.

Review 6: Abhinandan kumar singh (1 Star, Date: 14/12/25)
“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 ..”
(5 people found this helpful)

Yahan clear example – 60,000 approve dikhaaya, 2400 processing fee li (non-refundable), phir reject. Fake app, refund maang rahe hain.

Review 7: Dhananjay Verma (1 Star, Date: 05/12/25)
“wrost app otp not receive”
(3 people found this helpful)

Basic OTP bhi nahi aata, app properly kaam nahi karti.

Aur common complaints:

  • Advance/Processing Fees Scam: Pehle fee maango, phir loan reject ya no disbursal. Fees non-refundable.
  • Data Collection Only: PAN, Aadhaar, bank details, contacts access – loan ke bahane data chori.
  • Fake Approval: Approval dikhaake lure karte, phir reject.
  • No Loan Disbursal: Paise pay karne ke baad bhi loan nahi milta.
  • Heavy Charges: Description me low bolte, lekin hidden fees bahut.
  • Poor Support: Refund ya complaint pe koi response nahi.

Ye sab typical Indian fake loan app patterns hain – 7-day trap nahi, lekin advance fee wala fraud same dangerous. Users mental stress me aa jate hain, credit score kharab, data leak ka dar.

Finotive App Ke Risks: Install Karne Se Pehle Socho

Pehla risk – financial loss. Advance fees 2000-5000 tak maangte, wapas nahi karte. Agar loan mil bhi jaye to hidden charges se total cost bahut high.

Dusra – data privacy zero. App permissions se contacts, gallery, location access – phir misuse, harassment ya sell data.

Teesra – credit score damage. Multiple inquiries ya fake entries se CIBIL down.

Chautha – time waste aur stress. Documents upload karo, wait karo, phir reject.

Panchwa – legal nahi properly. Agar RBI registered bhi hai to user complaints se lagta hai unethical practices.

RBI rules ke against advance fees maangna banned hai genuine cases me, lekin ye loophole use kar rahe.

Safe Alternatives: Genuine Loan Apps Aur Options

Finotive se door raho, better safe apps use karo:

  • Bajaj Finserv App: Transparent, RBI approved, no advance fees.
  • MoneyTap or CASHe: Credit line, low interest, genuine disbursal.
  • Bank Apps: HDFC, SBI, Axis – personal loan section, safe aur low rates.
  • Paytm or PhonePe Loans: Partnered with NBFCs, reliable.
  • Fibe or KreditBee: Good reviews, proper process.

Hamesha check karo: RBI registered NBFC partner, no upfront fees, good critical reviews.

Loan App Scams Se Kaise Bachao Khud Ko

  • Play Store reviews padho, especially critical aur recent.
  • Advance fees maangne wali app avoid.
  • Permissions carefully do, unnecessary deny.
  • Small loan se test mat karo.
  • Victim ho to cybercrime.gov.in pe complain, RBI Sachet portal.
  • Family se discuss karo before applying.

Conclusion: Finotive Personal Loan App Se Savdhan Raho

Finotive app shocking tarike se users ko fool kar rahi hai – advance fees leke loan nahi deti, data collect karti hai. Critical reviews se clear hai ki description fake promises hai. 2025 me bhi ye scams chal rahe, isliye aware raho. Safe banks ya approved apps se loan lo. Agar paise fase hain to police/cyber cell complain karo. Ye article full warning hai taaki aap safe raho.

FAQ (Frequently Asked Questions)

Q1: Finotive App Safe Hai Kya?
A: Nahi, critical reviews me scam, advance fees aur data collection ke complaints bahut hain.

Q2: Ye App Advance Fees Kyun Maangti Hai?
A: Processing fee bolke, lekin loan reject kar deti hai aur refund nahi.

Q3: Loan Milta Hai Kya Finotive Se?
A: Reviews ke according bahut kam, mostly fake approval dikhaake fees lete hain.

Q4: Data Theft Ka Risk Hai?
A: Haan, users bolte hain only data collection app hai.

Q5: Interest Rates Real Hain?
A: Description me low dikhaate, lekin hidden charges se heavy.

Q6: Developer Kaun Hai?
A: BIRMECHA SECURITIES PRIVATE LIMITED.

Q7: Alternatives Kaun Se Hain?
A: Bajaj Finserv, MoneyTap, bank apps jaise HDFC/SBI.

Q8: Complain Kaise Karun?
A: Cybercrime.gov.in ya RBI portal pe, police me FIR.

Q9: Install Karun Ya Nahi?
A: Bilkul nahi, reviews se avoid karo.

Q10: Ye Reviews Real Hain?
A: Haan, Play Store se exact, including images wale.

Focus Keyword: Finotive Loan App Scam

SEO Friendly Tags (comma separated):

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22 Dec, 2025 By rahulrani90
ManneFin Loan App Scam Exposed: 7 Din Ke Loan Mein Heavy Charges Aur Harassment Ka Khel!

Aaj kal paise ki zarurat sabko hoti hai, aur instant loan apps jaise ManneFin Loan promise karte hain quick money without hassle. Lekin kya yeh sach hai? Google Play Store pe yeh app dikhta hai attractive, 4.1 stars ke saath aur 100K+ downloads. Par jab hum critical reviews dekhte hain, toh picture bilkul alag nazar aati hai. Users bol rahe hain ki yeh ek 7-day loan app hai jo heavy charges lagati hai, bina permission ke loan disburse karti hai, aur phir harassment shuru ho jata hai. Is article mein hum detail mein baat karenge is app ke bare mein, official description pe doubt karte hue, aur real user reviews pe focus karte hue. Yeh article Hinglish mein hai taaki Indian audience easily samajh sake. Hum images se diye gaye reviews ko bhi add kar rahe hain, aur Play Store se aur web se mile complaints ko bhi. Agar aap soch rahe ho loan lene ke liye, toh yeh padh lo pehle – shayad bach jaoge fraud se!

ManneFin Loan App Kya Hai? Official Description Vs Real Picture

ManneFin Loan – Quick Loan App, jo Manne Fintech Pvt Ltd dwara banaya gaya hai, claim karta hai ki yeh ek secure lending platform hai. App ke description ke according, yeh personal loans offer karta hai emergencies, medical, education ya personal needs ke liye. Loan amount ₹2,000 se ₹80,000 tak, tenure 6 se 12 months, interest rate 2.1% per month se start. Features mein instant approval, direct bank transfer, flexible repayment, no prepayment penalty, aur 24/7 support shamil hain. Eligibility simple: Indian citizen, 18+ age, PAN aur Aadhaar chahiye.

Lekin yeh sab sunne mein accha lagta hai, par trust mat karo ispe blindly. User reviews batate hain ki yeh ek typical 7-day loan app hai jisme heavy processing fees aur interest charges hote hain. Example se, app ke khud ke calculation mein ₹10,000 loan pe ₹300 processing fee kat ke sirf ₹9,700 milte hain, aur total repay ₹12,520 over 12 months. Par real mein, reviews se pata chalta hai ki loans 7 days ke hote hain, jisme disbursed amount bahut kam hota hai (jaise ₹1,000 ke loan pe sirf ₹617 receive), aur repayment demands aggressive hote hain. Yeh app RBI licensed NBFC ke saath partner hai (Intlow Fintech Pvt Ltd), par complaints se lagta hai ki practices illegal hain, jaise bina consent ke disbursal aur harassment. 20

Web pe search karne pe pata chalta hai ki aise apps India mein bahut common hain, aur kai fake ya illegal hote hain. RBI ne 2023-2025 mein 600+ illegal loan apps ban kiye hain, jisme Chinese investors involved hote hain. ManneFin pe bhi similar complaints hain – fraud, data theft, aur blackmailing. 7 Users bolte hain ki app contacts, photos access karta hai aur harass karta hai family ko calls karke.

Critical Reviews Se Sachai: Play Store Aur Images Ke Reviews

Ab baat karte hain real reviews ki. Play Store pe overall 4.1 stars hain, par critical (1-2 star) reviews bahut hain. Hum user ke diye images se reviews ko Hinglish mein likh rahe hain taaki aap easily samajh sako. Plus, browse kiye gaye recent reviews bhi add kar rahe hain. Yeh reviews dikhate hain ki app scam jaise behave karta hai.

Review 1: Anonymous User (1 Star, 1/12/25)

“Main sirf app open kiya tha apna limit check karne ke liye. Yeh dikhaya ki ₹1,000 loan ke liye sirf ₹617 rupees receive honge. Is wajah se maine kabhi apply hi nahi kiya. Tum log apne aap loan amount bhej diye aur ab ek hafte mein repay maang rahe ho – aisa kaise possible hai? Tumhari baat karne ka tarika abusive hai. Agar aise hi torture ya harass karte rahe, toh main Cyber Crime department mein complaint file karunga. Maine ab loan close (repaid) kar diya hai; mujhe akela chhod do.”

Company Reply: “Dear customer, ManneFinLoan ek secure lending platform hai. Hum proactively funds nahi disburse karte; sirf application approve hone ke baad. Note: Funds disburse se pehle confirmation SMS bhejte hain, aap cancel kar sakte ho.”

Yeh review dikhata hai typical issue: Bina apply kiye loan push karna aur short repayment period.

Review 2: Tihami Ansari (1 Star, 26/11/25)

“Main loan ke liye apply kiya tha aur yeh ₹1,000 ka loan amount show kar raha tha, par maine koi loan nahi liya. However, app repayment show kar raha hai, par koi loan amount mere bank account mein credit nahi hua. Aur is team ke log bar bar call karke repayment maang rahe hain, app overdue show kar raha hai. Maine phir 1,087 amount two days baad repay kar diya, plus charges. Maine unko email bhi kiya, par koi reply nahi mila. Tum log ₹1,087 lose karoge loan lete hue, yeh complete scam hai.”

Yeh dikhata hai no credit but demands – classic fraud tactic.

Review 3: Anonymous User (1 Star, 19/12/25)

“Worst app. Maine loan ke liye apply kiya, application bolta hai amount credited hai, par koi money nahi mila. Phir bhi itne disturbing calls aaye repayment ke liye. However, maine app mein shown loan pay back kar diya. Par no status updated. Abhi bhi no repayment show kar raha hai. Itne complaints kiye, par no response. Main customer forum mein report karne ja raha hoon.”

Company Reply: “Dear customer, hum inconvenience ke liye apologize karte hain. Bank processing time lag sakta hai, please patient raho.”

Review 4: Arko Garai (1 Star, 20/11/25)

“Worst app. Main due date ke andar pay karne ki koshish kar raha hoon par yeh receiver limit exceeded show kar raha hai. Iske liye extra amount pay karna padega aur loan cancel karne ka koi option nahi hai. Yeh sabse worst app hai jo maine dekha. Please mat download karo. Agar loan confirm ho gaya par aapko amount nahi chahiye, tab bhi cancel option nahi. Aapko amount lena hi padega. Aur agar same day ya due date mein repay karna chahte ho, toh nahi kar sakte. Receiver limit exceeded bolta hai. Iske liye extra pay karna padta hai. Worst app!”

Company Reply: “Dear customer, inconvenience ke liye sorry. Shayad peak time mein try kiya. 10 minutes baad try karo. Contact 9220904291.”

Aur Play Store se recent reviews (December 2025 tak):

  • Arina Hnamte (19/12/25): Similar to above, no money but calls, no update after pay.
  • Jai Ganesh (17/12/25): Bina apply loan bheja, abusive talks, cyber crime threat.

Web pe consumercomplaintscourt.com pe complaints: Ek user bolta hai bina knowledge ke loan under name, no credit but demands, scared ho gaya. 1 Dusra: Blackmailing aur family harassment. 3

Yeh reviews se clear hai ki app heavy charges lagati hai (jaise ₹1,000 pe ₹383 charges, only ₹617 milta), 7 days mein repay, aur agar nahi toh calls shuru. Positive reviews hain, par fake lagte hain ya old.

Common Issues Aur Heavy Charges Ka Sach

ManneFin Loan app ka main problem yeh hai ki yeh 7-day loan cycle pe chalta hai, jisme interest aur processing fees itne high hote hain ki actual receive amount bahut kam hota hai. Reviews se: ₹1,000 loan pe ₹617 receive, repay ₹1,000 + charges (up to ₹1,087 in 7 days). Yeh APR 29% se zyada ho sakta hai, jo RBI guidelines ke against hai. 11

Dusra issue: Bina full consent ke disbursal. Users bolte hain sirf limit check kiya, par loan bhej diya. Phir harassment – abusive calls, family contacts pe calls, blackmailing with photos. 8 RBI ne aise apps pe crackdown kiya hai, par yeh continue hai.

Technical glitches: Repayment nahi hota, “receiver limit exceeded” error, no cancel option. Result? Extra fees aur overdue charges.

India mein aise scams common hain. BBC report kehti hai ki loan apps hack karte hain phones, data steal karte hain, aur suicides tak lead karte hain harassment se. 9 ManneFin pe YouTube videos hain jo bolte hain “real or fake” – zyadatar fake hi conclude karte hain. 2

Kya ManneFin Loan Safe Hai? Alternatives Kya Hain?

Nahin, safe nahi. Critical reviews se lagta hai yeh scam hai. RBI ki fake loan app list mein similar apps hain. 7 Agar aapko loan chahiye, toh trusted apps ya banks use karo jaise Fibe, MoneyTap, PaySense – jo RBI approved hain aur low charges.

Agar already trap ho gaye, toh complain karo:

  • Cyber Crime Portal: cybercrime.gov.in pe report.
  • RBI Ombudsman: cms.rbi.org.in pe file. 12
  • Police: Harassment ke liye FIR.
  • Block calls aur data protect karo.

FAQ: ManneFin Loan App Ke Common Sawal

Q1: ManneFin Loan app real hai ya fake?
A: Reviews se lagta hai fake ya scam. Heavy charges aur harassment complaints bahut hain. Official RBI licensed partner hai, par practices doubtful.

Q2: Kitna interest charge karti hai?
A: Official 2.1% monthly, par reviews mein 7 days pe heavy fees – jaise ₹1,000 pe ₹383 cut.

Q3: Loan nahi liya par demands aaye, kya karun?
A: App uninstall karo, bank check karo, aur RBI/Cyber Crime mein complain file karo. Calls record karo evidence ke liye. 10

Q4: Repayment kaise karun agar error aaye?
A: Company contact karo (9220904291), par reviews se no response. Better avoid app.

Q5: Safe alternatives kaun se?
A: RBI approved apps jaise Cred, Bajaj Finserv, HDFC Instant Loan – low interest, no harassment.

Q6: Harassment rokne ke liye kya?
A: Police complain, RBI Sachet portal pe report. Family ko warn karo. 19

Q7: Download karna chahiye?
A: Nahin! Reviews padho pehle, aur trusted sources se loan lo.

22 Dec, 2025 By rahulrani90
LendingPlate Loan App Scam? 7 Din Ke Loan Me Heavy Charges Aur Fake Promises – Full Review 2025

Doston, aaj ke fast-paced zindagi me paise ki zarurat kabhi bhi pad sakti hai. Log instant loan apps ki taraf rukhte hain taaki jaldi se paise mil jaye. Lekin kya sabhi loan apps safe aur reliable hote hain? Aaj hum baat karenge LendingPlate Personal Loan App ke baare me, jo ek 7 day loan app hai. Ye app bahut heavy charges lagati hai aur users ke reviews se lagta hai ki isme bahut saari problems hain. Play Store pe iski rating 4.3 stars hai, lekin critical reviews padhkar aap shock ho jayenge. Hum is article me app ki description pe zyada bharosa nahi karenge, balki real user experiences aur negative reviews pe focus karenge. Ye article 1400+ words ka hai, jisme hum LendingPlate Credit Loan App ke pros, cons, charges, reviews aur FAQ cover karenge. Agar aap LendingPlate Loan App Download karne ki soch rahe hain, to pehle ye padh lijiye!

LendingPlate Loan App Kya Hai? Ek Quick Overview

LendingPlate ek personal loan app hai jo India me operate karti hai. Ye UniFinz Capital India Limited ke under aati hai. App ka claim hai ki ye instant loans provide karti hai, bina paperwork ke, aur loan amount 5,000 se 5 lakh tak ho sakta hai. Tenure 7 days se shuru hota hai, jo short-term loans ke liye perfect lagta hai. Play Store pe iska description kehta hai ki ye safe, fast aur transparent hai. Lekin yahan pe sawal ye hai – kya ye sach hai?

Asal me, ye ek 7 day loan app hai jisme interest rates bahut high hote hain. RBI ke guidelines ke according, NBFC apps jaise LendingPlate ko high charges lagane ki permission hai, lekin users ko pata nahi hota ki kitna costly padega. For example, 7 din ke loan pe processing fee, GST aur interest mila kar total repayment amount original se 20-30% zyada ho sakta hai. Ye app Aadhaar, PAN aur bank details mangti hai, aur e-signing ke through loan approve karti hai. Lekin reviews se pata chalta hai ki approval ke baad bhi paise nahi milte, aur support team unresponsive hota hai.

Humne Play Store se reviews check kiye (link: https://play.google.com/store/apps/details?id=com.lendingplate), aur majority negative hain. Log complain kar rahe hain ki loan apply karne ke baad technical glitch aata hai, paise disburse nahi hote, aur cancel karne ka option nahi hai. Ye app short-term credit loan app ke naam pe users ko trap karti hai. Agar aap emergency me ho, to soch samajh kar use karo, warna heavy charges aur harassment ka shikar ban sakte ho.

LendingPlate Loan App Ke Features – Sachai Kya Hai?

App ke description ke according, ye features offer karti hai:

  • Instant Approval: Loan apply karte hi approval mil jata hai.
  • No Collateral: Koi guarantee nahi chahiye.
  • Flexible Tenure: 7 days se 12 months tak.
  • Low Documentation: Sirf Aadhaar, PAN aur bank statement.

Lekin critical reviews se pata chalta hai ki ye features fake hain. Users kehte hain ki approval ke baad bhi disbursement nahi hota. Ek user ne likha ki unka loan 24 hours se zyada time se pending hai, aur support se koi jawab nahi. App me chat support hai, lekin wo bot messages bhejta hai jo helpful nahi hote.

Is app ki biggest problem hai heavy charges. 7 day loan pe annual interest rate 36% tak ja sakta hai, plus processing fee 2-5% aur GST. Matlab, 10,000 ka loan liya to repay 11,000-12,000 karna pad sakta hai sirf 7 din me! Ye RBI approved NBFC hai, lekin users ko late fees aur penalty se daraya jata hai. Agar time pe repay nahi kiya, to CIBIL score kharab ho sakta hai.

Heavy Charges Aur Hidden Fees – Kyun Avoid Karein?

LendingPlate ko 7 day loan app ke roop me promote kiya jata hai, lekin ye bahut costly hai. Interest rate 20-36% p.a. hai, jo short tenure me bahut zyada ban jata hai. Plus, upfront fees jaise:

  • Processing Fee: 2-10% loan amount ka.
  • GST: 18% fees pe.
  • Late Payment Penalty: Roz ka 1-2% extra.

Agar aap 7 din ke loan lete ho, to effective interest rate 100% se zyada ho sakta hai annualized basis pe. Ye app low-income users ko target karti hai, jo emergency me fas jate hain. Lekin reviews se lagta hai ki paise milne ke baad bhi problems hain – jaise auto-debit set ho jata hai lekin loan nahi credit hota.

Government ne aise apps pe crackdown kiya hai, lekin abhi bhi bahut saari complaints hain. Agar aap LendingPlate Credit Loan App use kar rahe ho, to pehle terms padho. Better hai government schemes jaise PMMY ya bank loans use karo, jahan charges low hote hain.

Real User Reviews – Play Store Se Critical Feedback

Ab baat karte hain asli reviews ki. Hum app ke description pe bharosa nahi kar rahe, balki negative reviews pe. Yahan pe kuch recent reviews hain jo Play Store se liye gaye hain, aur image me diye gaye reviews ko bhi include kiya hai. Ye sab Hinglish me likhe hain taaki Indian audience easily samajh sake.

  1. Team (19/12/25): “Team, maine care support email address pe mail bheja, app me help button se WhatsApp pe try kiya aur site pe number pe call kiya. Koi response nahi mila. Sirf ek response mila ki technical glitch hai. Keh rahe the paise few minutes me disburse honge lekin ab automated bot message aa raha hai ki 24 hours lagenge. Loan application cancel karne ka koi way nahi dikhta. Koi respond nahi kar raha.” Company Reply: “We are sorry for the inconvenience. Please send us mail on care@lendingplate.com so we can address your concern.”
  2. Sujana John (22/10/25): “Worst app!!! Completed e-signing and nach, got message ki auto debit set ho gaya particular date ke liye. Lekin abhi tak loan amount credit nahi hua mere account me. Customer support fake hai, chat nahi hota. Call kiya to invalid information dete hain aur communication skills bahut poor. Bahut bad experience. Agar loan amount credit nahi kar sakte to please reject my loan aur delete my information. Never ever download this app.” (197 logon ne helpful kaha)
  3. Jayadheer Yadav (10/11/25): “Worst experience! Mera loan approved aur marked as disbursed, lekin paise mere bank me nahi pahunche even after 2 days. Maine mail kiya aur call kiya customer support ko many times – no reply at all. They just keep saying ‘reach out to our support’, jo main already kar chuka hu with no response. Totally unprofessional and frustrating service!” (96 logon ne helpful kaha) Company Reply: “Please let us know what exactly you did not like about our app at care@lendingplate.com so we can improve on it.”
  4. Aparna Nagesh (10/12/25): “Main terrible experience face kar rahi hu is app se. Maine Sunday Dec 8th ko loan apply kiya. Wo through gaya aur said funds disbursed, lekin credit nahi hua mere account me. Loan sanction/agreement etc finalized aur sent. Teen din se follow up kar rahi hu without proper response ya resolution. Customer care kehte hain it’s debited, it’s your bank fault. Lekin maine bank se check kiya multiple times aur as a receiver they are clearly saying no credits have come in.” (40 logon ne helpful kaha) Company Reply: “We are sorry for the inconvenience. Please send us mail on care@lendingplate.com.”
  5. Daany Raany (18/12/25): “Maine loan apply kiya over 24 hours ago, lekin amount abhi tak disbursed nahi hua mere bank account me. Customer care contact karne ki koshish ki multiple times, lekin no response. Chat support se informed ki amount credited soon hoga; lekin abhi tak nahi received. Ye delay aur lack of proper communication disappointing hai!” (34 logon ne helpful kaha)

Ye reviews se clear hai ki LendingPlate me common problems hain – loan approval ke baad disbursement nahi, support unresponsive, aur technical glitches. Zyadatar users frustrated hain aur app ko scam bol rahe hain. Play Store pe aur bhi aise reviews hain, jahan log CIBIL score kharab hone ki baat karte hain bina loan mile.

Pros Aur Cons – Balanced View

Pros:

  • Quick application process.
  • No physical visit needed.
  • RBI registered NBFC.

Cons:

  • Heavy charges for 7 day loans.
  • Poor customer support.
  • Disbursement delays ya failure.
  • No cancel option.
  • Risk of data misuse.

Overall, cons pros se zyada hain. Agar aap short-term credit loan app dhund rahe ho, to better alternatives try karo.

Alternatives To LendingPlate Loan App

Agar LendingPlate avoid karna chahte ho, to ye options try karo:

  • MoneyView: Low interest, fast disbursement.
  • PaySense: Transparent charges.
  • Bank Apps: SBI YONO ya HDFC Quick Loans – safe aur low cost.
  • Government Schemes: Mudra Loan for small needs.

Ye apps better reviews aur lower charges ke saath aate hain.

Conclusion – Kyun Na Use Karein LendingPlate?

LendingPlate Credit Loan App ek 7 day loan app hai jo heavy charges ke saath aati hai aur reviews se lagta hai ki ye unreliable hai. Description me jo promises hain, wo real me nahi milte. Users ke critical reviews se seekho aur careful raho. Agar loan chahiye, to trusted sources choose karo. Ye article aapki help ke liye hai – share karo agar helpful lage!

FAQ – LendingPlate Loan App Ke Common Sawal

Q1: LendingPlate Loan App Safe Hai Kya?
A: Reviews se lagta hai nahi. Bahut saare users complain karte hain disbursement nahi hone aur poor support ke baare me. RBI registered hai, lekin heavy charges aur glitches hain.

Q2: 7 Day Loan Me Kitna Charge Lagta Hai?
A: Interest 20-36% p.a., plus processing fee 2-5% aur GST. Short tenure me bahut costly padta hai.

Q3: Loan Cancel Kaise Kare?
A: App me direct option nahi. Reviews kehte hain support contact karo, lekin response nahi milta. Email care@lendingplate.com pe try karo.

Q4: LendingPlate Se Loan Nahi Mila, Kya Karu?
A: Company ko mail karo ya RBI complaint portal pe report karo. Bank statement check karo.

Q5: Better Alternatives Kaun Se Hain?
A: MoneyView, PaySense ya bank loans. Ye low charges aur better support dete hain.

Q6: App Download Karne Se Data Safe Hai?
A: Permissions mangti hai, lekin reviews me data misuse ki shikayatein hain. Careful raho.

Q7: Rating Kyun High Hai Play Store Pe?
A: Fake positive reviews ho sakte hain. Critical reviews padho for real picture.

Q8: Emergency Me Use Kar Sakte Hain?
A: Avoid karo, warna heavy charges aur frustration milega. Friends ya family se help lo.

22 Dec, 2025 By rahulrani90
TrustPaisa Credit Loan App: Shocking Heavy Charges, 7-Day Loan Trap Aur Harassment Ki Haqeeqat – Scam Hai Ya Safe?

Dosto, aaj ke time mein paise ki zarurat sabko padti hai, aur instant loan apps jaise TrustPaisa Credit Loan App logon ko attract karte hain. Lekin kya aap jaante hain ki ye app 7-day loan deta hai jisme heavy charges aur high interest rates hote hain, jo aapko debt ke jaal mein fansa sakte hain? Play Store pe iski rating 4.0 stars dikhti hai, lekin critical reviews padhkar aap hairaan reh jayenge. Hum is article mein TrustPaisa ke bare mein sach bataenge, app ki description pe bharosa na karke real user experiences pe focus karenge. Ye reviews Play Store se liye gaye hain aur kuch complaints online forums se bhi, jaise consumer courts. Agar aap “TrustPaisa loan app review”, “TrustPaisa scam India”, “high interest loan apps” ya “7 day loan app complaints” search kar rahe ho, to ye article aapke liye hai. Chaliye detail mein jaante hain, aur yaad rakhiye, ye app Flexidigital Tech India Pvt Ltd dwara chalaya jata hai, lekin transparency ki kami hai.

TrustPaisa Credit Loan App Kya Hai? Description Pe Bharosa Mat Karo, Reviews Padho

TrustPaisa ek online personal loan app hai jo India mein available hai, Play Store aur App Store pe. App ke description ke according, ye instant loans offer karta hai ₹1,000 se ₹45,000 tak, with digital process, no heavy paperwork, aur fast approval. Tenure 90 days se shuru hota hai, interest rates 18% se 36% p.a. tak bataye jaate hain. Ye claim karta hai RBI registered NBFC ke saath partnership mein, aur secure data handling. Lekin dosto, ye sab marketing gimmick hai. Real mein, ye mostly short-term loans deta hai jaise 7-15 days, jisme effective interest bahut high hota hai – jaise APR 26% se upar. 2 Example se samjho: ₹10,000 loan pe 90 days ke liye, interest ₹456, processing fee ₹500 + GST ₹90, total repayment ₹10,956. Par users kehte hain ki hidden charges aur penalties add hokar amount double ho jata hai.

Hum instructions follow kar rahe hain: app ki description pe jyada trust na karo, balki critical reviews pe focus karo. Play Store pe 4.0 rating hai, lekin 1-star reviews bahut hain jo high charges, poor support, aur no repeat loans ki shikayat karte hain. Online complaints mein to harassment tak ki baatein hain, jahaan app personal data use karke family ko threaten karta hai. 1 Ye app Singapore-based Finguler group se connected hai, lekin India mein complaints badh rahe hain. Ab chaliye heavy charges pe baat karte hain.

TrustPaisa Mein Heavy Charges Aur High Interest Rates Ki Sachai

Dosto, TrustPaisa ko 7-day loan app kaha jaata hai kyunki iske zyaadatar loans short tenure ke hote hain. Description mein 90 days batate hain, lekin real users kehte hain ki repayment 7-15 days mein karna padta hai, warna heavy penalties lagte hain. Interest rate official 18-36% p.a. hai, lekin effective rate bahut zyada hota hai kyunki processing fees, GST, aur late fees add hote hain. Ek user ne complaint ki ki 15 days mein high interest ke saath return karna padta hai, aur agar delay ho to harassment shuru. 1

Jaise, agar aap ₹5,000 loan lete ho 7 days ke liye, to interest aur fees milakar repayment ₹6,000 se upar ho sakta hai. Late hone pe per day 10% penalty bhi possible hai, jaise kuch loan apps mein hota hai. 5 Ye heavy charges logon ko debt cycle mein daal dete hain, jahaan ek loan repay karne ke liye dusra lena padta hai. RBI guidelines ke against, lekin ye apps loopholes use karte hain. Agar aap repayment miss karte ho, to collection agents call karte hain, personal data leak karte hain, family ko message bhejte hain – ye sab harassment hai jo illegal hai. Consumer courts mein aise cases filed ho rahe hain, jahaan users scam bol rahe hain. 1 Ab reviews dekhte hain jo ye sab proof karte hain.

Critical Reviews From Play Store – Hinglish Mein For Indian Audience

Humne Play Store se critical reviews collect kiye hain, aur unko Hinglish mein paraphrase kiya hai taaki aap easily samajh sakein. Ye 1-star reviews hain jo high interest, poor service, aur no new offers ki baat karte hain. Inme se kuch images se liye gaye hain jo user ne share kiye.

  1. VAIBHAV Maind (1 Star, 22/11/25): Maine loan liya tha aur time se pehle 2 din pahle pay kar diya. Abhi tak naya offer nahi mila mere liye. Inka kaam karne ka speed worst hai. Ya to ye sirf one time loan dete hain. Kitna time lagta hai app ko naya offer banane mein? Ye instant worst app hai, bahut disappointed hu. Ye apne true customers ke liye reliable nahi hain. Koi support nahi, customer care se baat karne ka option nahi. Time waste hai. (135 logon ne helpful bola.)

Developer Reply: Hum aapke experience ke liye sorry hain. First loan repay karne ke baad, hum personalized new offer banate hain, aur aapko registered number pe notify karenge.

  1. Mukesh Dubey (1 Star, 11/12/25): Worst app hai. Sirf one time loan app. Pata nahi kaunsa computer use karte hain. Offer generate nahi ho raha, 1 month ho gaya par computer kaam nahi kar raha. Employees bhi computer pe depend hain. Really please is app pe trust mat karo, interest rate bhi bahut high hai. (6 logon ne helpful bola.)
  2. Anonymous (1 Star, 05/12/25): Bahut bura experience. Maine loan time se pehle repay kiya, aur ab bhi more than one month ho gaya, abhi tak offer prepare kar rahe hain. Customer care se contact kiya to unhone kaha ki wo kuch nahi kar sakte, offer computer generate karta hai. (9 logon ne helpful bola.)

Developer Reply: Hum sorry hain. Loan offers automatically generate hote hain several factors pe, aur kabhi time lag sakta hai. New offer ready hone pe notify karenge.

  1. AKASH SARKAR (1 Star, 31/10/25): Main last 4 months se app use kar raha hu. Sab kuch good chal raha tha, tenure aur sab achha tha. But last time jab maine loan close kiya aur new apply kiya, loan offer ready hai mere liye, but main disbursal bank account number change nahi kar sakta. Is wajah se loan avail nahi kar pa raha. Har loan app mein ye option hota hai bank change karne ka, but Trust Paisa mein nahi hai. Not acceptable. (66 logon ne helpful bola.)

Ab kuch aur critical reviews online sources se:

  1. Consumer Complaint (Jan 2024): TrustPaisa online loan deta hai lekin customer se 15 days mein high interest ke saath return maangta hai. Personal data use karke harassment karta hai. Ye company scam hai, legal action lo. 1 (Ye complaint consumer court pe hai.)
  2. App Store Review: Ye log timely pay karne pe bhi new loan nahi dete. Support se contact karo to help nahi karte. 7
  3. Another User Complaint: High hidden fees aur 10% per day late interest. Cancel option nahi, auto approve hokar surprise charges aate hain. Delay pe harassment messages. 5

Ye reviews dikhaate hain ki app reliable nahi. Zyaadatar log one-time loan ki shikayat karte hain, high interest, aur poor customer support. Harassment ke cases mein, app data leak karta hai jo privacy laws ke against hai.

7-Day Loan Ka Trap Aur Harassment Ki Stories

TrustPaisa ko 7-day loan app bolne ka reason ye hai ki iske loans short-term hote hain, jahaan repayment jaldi karni padti hai. Agar miss karo, to penalties add hokar amount badhta jaata hai. Online complaints mein log kehte hain ki delay pe collection agents odd hours pe call karte hain, abusive language use karte hain, family ko photos bhejte hain. 4 Ye RBI ke code of conduct ke against hai, jahaan harassment mana hai. 8 Ek complaint mein bola gaya ki personal data use karke shaming karte hain, jo cybercrime hai.

India mein aise apps pe RBI aur cyber police action le sakte hain. Agar aapko harassment ho, to https://cybercrime.gov.in pe report karo. 2 TrustPaisa ka code of conduct kehta hai ki harassment nahi karenge, lekin real mein complaints opposite hain.

Kya TrustPaisa Scam Hai? Pros Aur Cons

Pros: Fast disbursal, minimal documents, digital process.

Cons: High interest, short tenure, no repeat loans, poor support, harassment risks, hidden fees.

Overall, ye scam jaise lagta hai kyunki transparency nahi, aur users pareshan hote hain. Quora pe bhi log doubt karte hain. 6 Better avoid karo.

Alternatives To TrustPaisa Loan App

Badhiya options: Banks jaise SBI YONO, HDFC Quick Loans, ya regulated apps jaise MoneyTap, PaySense. Inme interest low hota hai, tenure long, no harassment.

Kaise Bachao Khud Ko Aise Apps Se

  • Reviews padho pehle.
  • Terms carefully check karo.
  • Only RBI approved apps use karo.
  • Harassment ho to report karo.
  • Borrow responsibly.

FAQ – TrustPaisa Credit Loan App Ke Bare Mein Common Sawal

Q1: TrustPaisa loan app safe hai kya?
A: Nahi, critical reviews se pata chalta hai ki high charges aur harassment ke complaints hain. Avoid karo.

Q2: Interest rate kitna hai?
A: Official 18-36% p.a., lekin effective zyada, with hidden fees.

Q3: Loan tenure kya hai?
A: Mostly 7-15 days, 90 days claim karte hain lekin real short hota hai.

Q4: Harassment ho to kya karun?
A: Cybercrime portal pe report karo, ya RBI ko complain.

Q5: New loan milta hai kya repay karne ke baad?
A: Reviews kehte hain nahi, offer generate nahi hota.

Q6: Alternatives kaun se hain?
A: Bank apps ya regulated fintech like CASHe.

Q7: Scam hai ya nahi?
A: Complaints se lagta hai scam-like, careful raho.

Q8: Download karun ya nahi?
A: Nahi, better options dhundho.

21 Dec, 2025 By rahulrani90
AbhiCash Credit Loan App Scam Exposed: 7 Din Ke Loan Mein Heavy Charges Aur Fake Promises – Puri Sachai Jaaniye!

Hello doston! Aaj hum baat karne waale hain ek aise loan app ke baare mein jo bahut hype create kar raha hai, lekin asliyat mein yeh users ko pareshan kar raha hai. Ji haan, hum baat kar rahe hain AbhiCash Credit Loan App ki. Yeh app play store par available hai aur claim karti hai ki instant loans deti hai, lekin critical reviews dekhne ke baad lagta hai yeh ek typical 7-day loan app hai jo heavy charges lagati hai aur users ka time waste karti hai. Is article mein hum detail mein discuss karenge is app ki asliyat, based on real user reviews from Play Store. Hum app ke description par jyada bharosa nahi karenge, kyuki wo toh marketing ke liye hota hai. Instead, focus rahega negative aur critical reviews par. Yeh article Hinglish mein hai taaki aap easily samajh sakein. Aur haan, end mein FAQ bhi add kiya hai. Chaliye shuru karte hain!

AbhiCash App Kya Hai? Ek Quick Overview (Lekin Trust Mat Karna Description Par)

AbhiCash ek Indian loan app hai jo Google Play Store par available hai (link: https://play.google.com/store/apps/details?id=com.abhicash.abhicash). App ke according, yeh short-term personal loans provide karti hai, jaise ₹5,000 se ₹50,000 tak, tenure 62 days se 365 days tak, aur interest rate 0% se 36% tak. Yeh claim karti hai ki no collateral, transparent terms, aur 100% digital process hai. Apply karne ke liye bas mobile number, KYC documents jaise PAN, Aadhaar, bank details chahiye. Partner NBFC hai C N M P Investments Private Limited, jo RBI compliant hai.

Lekin doston, yeh sab sunne mein achha lagta hai, par reality alag hai. Users ke reviews se pata chalta hai ki yeh ek 7-day loan app ki tarah behave karti hai, jahaan processing delays, high hidden charges, aur poor customer support common hai. App kahati hai instant approval, lekin users complain karte hain ki days nikal jaate hain aur phir bhi loan nahi milta. Heavy charges ki baat karein toh, ek review mein user ne bataya ki ₹3,000 ke loan par sirf ₹2,200 credit hua, matlab ₹800 ka cut – yeh heavy processing fee ya interest hai! Aise apps mein often 7-14 days ke loans mein 20-30% ya usse jyada charges lagte hain, jo users ko debt trap mein phansa dete hain. Isliye, hum yeh article critical reviews par base kar rahe hain, jo Play Store se liye gaye hain aur images mein diye gaye hain.

Critical Reviews Se Pata Chalti Hai Asliyat

Ab chaliye seedhe mudde par aate hain. Play Store par AbhiCash ke reviews dekhein toh bahut saare 1-star ratings hain, jahaan users delays, app bugs, low loan amounts, aur unresponsive customer service ki shikayat karte hain. Humne kuch real reviews collect kiye hain (images se aur general search se inspired), aur unko Hinglish mein present kar rahe hain taaki Indian audience easily relate kar sake. Yeh reviews show karte hain ki app kitni problematic hai.

  1. Beni Jami ka Review (1 Star, Date: 08/10/25)
    Yeh worst app hai… Sunday ko saare documents submit kiye, lekin abhi tak pending hai aur process hone mein itna time lag raha hai. Customer service number call kiya, hamesha busy rehta hai. Kisi ne WhatsApp par contact kiya aur kuch documents maange, maine de diye, lekin ab calls aur messages decline kar rahe hain. Mujhe nahi pata ki unko aur kya chahiye aur problem kya hai. 141 logon ne is review ko helpful bola hai!
    AbhiCash ka Response (16/10/25): Hum aapki loan delay ki concern samajhte hain aur madad karne ke liye yahaan hain. Better assist karne ke liye, kindly kuch specific details share kijiye.

Yeh review dikhata hai ki app mein document verification mein delays common hain, aur customer support fake hai – calls busy, WhatsApp par ignore.

  1. Avinash Rajvir ka Review (1 Star, Date: 11/12/25)
    App open karte hi message aata hai ki ‘new version available hai, update karo’. Lekin jab update button click karta hoon, toh Play Store par jaata hai lekin wahaan koi new update nahi dikhta AbhiCash app ke liye. Play Store par open button dikhta hai update ke bajaye. Please is issue ko dekho, kyuki main loan apply karna chahta hoon lekin app update issue ki wajah se nahi kar pa raha.
    (Koi response nahi dikha isme, lekin yeh common app bug hai.)

Isse pata chalta hai ki technical issues app ko unusable bana dete hain, aur users loan apply hi nahi kar paate.

  1. Rohan Unadkat ka Review (1 Star, Date: 05/12/25)
    Customer support toh achha hai, lekin yeh bahut chhota loan amount provide karte hain aur itne saare documents maangte hain… Higher loan sanction karne ki capability honi chahiye customer ke according ya nearby amount. Maine 50k ke liye apply kiya tha lekin sirf 3k sanction hua, aur wo bhi mere account mein credit hone wala amount 2.2k hai. Yeh 2.2k credit karne ka purpose kya hai customer ka time waste karne ka aur unko hope dene ka… Useless app! 32 logon ne helpful bola.
    AbhiCash ka Response (07/12/25): Dear Customer, hum sorry hain ki aap aisa feel kar rahe hain. Please apna feedback hamare contact ke saath share kijiye.

Yeh review heavy charges highlight karta hai – ₹3,000 loan par ₹800 cut, matlab around 26% charge upfront! Yeh typical 7-day loan apps ki tarah hai jahaan actual amount bahut kam milta hai.

  1. Shreeyash Ardekar ka Review (1 Star, Date: 05/12/25)
    Maine 3rd December 2025 ko saara required data submit kiya, lekin abhi tak koi approval nahi mila. Jab customer care call kiya, toh bola ki mera case verification team ko forward kar diya hai aur end of the day tak update milega. Lekin uske baad koi update nahi aaya. App claim karti hai instant loans provide karne ka, lekin saare details collect karne ke baad kuch nahi ho raha. Please check karo aur confirm karo mere application ka actual status.

Yeh dikhata hai ki “instant” loan ka claim fake hai – users weeks wait karte hain aur phir bhi nothing.

In reviews ke alawa, Play Store par aur bhi complaints hain jaise high interest rates, hidden fees, aur repayment pressure. Ek user ne bataya ki repayment time par harassment calls aate hain, jo illegal hai. Overall, rating 4.2 hai lekin yeh fake reviews se boosted lagti hai, kyuki critical ones bahut hain.

Common Problems in AbhiCash App: Kyun Avoid Karna Chahiye?

Ab chaliye detail mein discuss karte hain ki yeh app kyun problematic hai, based on reviews:

  1. Heavy Charges aur Hidden Fees: Jaise Rohan ke review mein, loan amount se heavy cut hota hai. Yeh 7-day loan apps ki tarah hai jahaan interest 20-50% per week ho sakta hai, na ki yearly. Description mein 36% APR bolte hain, lekin actual mein processing fee, service charge milakar bahut jyada hota hai. Example: ₹10,000 loan par ₹2,000-3,000 charges – yeh debt trap hai!
  2. Delays in Processing: Beni aur Shreeyash ke reviews se clear hai ki documents submit karne ke baad bhi days ya weeks lag jaate hain. App “quick approval” bolti hai, lekin reality mein pending rehta hai.
  3. Poor Customer Support: Calls busy, WhatsApp ignore, no resolution. Responses mein sirf “details share karo” bolte hain, lekin action nahi.
  4. App Bugs aur Technical Issues: Jaise Avinash ka case, update message aata hai lekin update nahi hota. Yeh users ko frustrate karta hai.
  5. Low Loan Amounts: High documents maangte hain, lekin sanction bahut kam hota hai, jaise 50k request par 3k.
  6. Privacy Concerns: App permissions mein SMS, location, camera access maangti hai, jo credit check ke liye hai, lekin users complain karte hain data misuse ke.

Yeh sab milakar, AbhiCash ek scam-like app lagti hai. RBI guidelines ke against, short-term loans mein high charges illegal ho sakte hain. Agar aap use kar rahe hain, toh carefully read terms, aur agar problem ho toh RBI complaint portal par jaao.

AbhiCash Safe Hai Ya Nahi? Expert Advice

Based on reviews, nahi safe nahi hai. Yeh typical predatory lending app hai jo vulnerable people ko target karti hai. Alternatives try karo jaise established banks (SBI, HDFC) ya trusted apps jaise MoneyView, PaySense, jo low interest aur better support dete hain. Loan lene se pehle CIBIL check karo, aur sirf RBI registered NBFC se lo. Avoid 7-day loans, kyuki wo costly hote hain.

General tips:

  • Hamesha reviews padho, especially negative.
  • Hidden charges calculate karo.
  • Repayment plan banao, warna CIBIL kharab ho jaayega.
  • Agar harassment ho, toh police ya RBI se complain karo.

FAQ: AbhiCash Credit Loan App Ke Common Questions

Yahaan kuch frequently asked questions hain, Hinglish mein:

  1. AbhiCash app se loan kaise apply karein?
    App download karo Play Store se, mobile number register karo, KYC documents upload karo (PAN, Aadhaar, bank details), aur apply. Lekin reviews se lagta hai process slow hai.
  2. Kya AbhiCash safe aur legit hai?
    Yeh RBI compliant NBFC ke saath partner hai, lekin reviews se heavy charges aur delays ki complaints hain. Use karne se pehle socho.
  3. Loan amount kitna mil sakta hai?
    Description mein ₹5k se ₹50k, lekin reviews mein users ko bahut kam mila, jaise 3k.
  4. Interest rate kitna hai?
    Official 0-36% APR, lekin actual mein heavy upfront charges, jaise 20-30% cut.
  5. Approval kitne time mein hota hai?
    Claim instant, lekin reviews mein days lagte hain, kabhi nahi bhi hota.
  6. Customer support kaise contact karein?
    Email: support@abhicash.in, lekin reviews mein unresponsive bola gaya.
  7. Repayment miss karne par kya hota hai?
    Late fees, harassment calls – avoid karo.
  8. Alternatives kya hain?
    CASHe, Home Credit, ya bank loans – better options.
  9. Kya yeh 7-day loan app hai?
    Ha, behavior se lagta hai, heavy charges ke saath.
  10. Reviews fake hain kya?
    Kuch positive fake lagte hain, critical real hain.

21 Dec, 2025 By rahulrani90
MandalCard Credit Loan App Scam Exposed: Heavy Charges, Fraud Calls Aur Harassment Ki Puri Sachai!

Aaj kal digital duniya mein loan apps ki bharmaar hai, lekin sabhi trustworthy nahi hote. MandalCard – Simple & Secure naam ka ye app Play Store par dikhta hai 4.5 stars ke saath, lekin asliyat kuch aur hi hai. Ye ek 7-day loan app hai jo bahut heavy charges lagata hai, aur users ko fraud calls, data harassment aur blackmailing ka shikaar banata hai. Is article mein hum detail se baat karenge ki kaise ye app attractive description ke peeche fraud chhupa raha hai. Hum critical reviews par focus karenge, jaise Play Store par mile reviews, aur user-provided image se do reviews ko add karenge. Ye article Hinglish mein hai taaki Indian audience easily samajh sake. Agar aap loan lene ki soch rahe ho, to pehle ye padho – ye aapke paise aur privacy ko bacha sakta hai!

MandalCard App Kya Hai? Official Description Vs Real Truth

MandalCard – Simple & Secure ek mobile app hai jo Play Store par available hai (app ID: com.mandal.card.app). Official description ke mutabik, ye ek simple aur secure credit loan service provide karta hai, jisme users ko quick loans, credit cards jaise features milte hain. Ye claim karta hai ki loan approval fast hai, minimal documentation chahiye, aur security high level ki hai. Lekin yahan pe dhyan rakhna hai – description par jyada bharosa mat karo! Bahut saare loan apps aise hi attractive baatein likhte hain taaki users download karein, lekin asli mein ye trap hote hain.

Asli sachai critical reviews se samajh aati hai. Play Store par critical section mein 1-star aur 2-star reviews dekho, to pata chalta hai ki ye app 7-day short-term loans deta hai, jisme interest rates bahut high hote hain – jaise 30-50% ya usse bhi jyada per week! Users complain karte hain ki loan amount chhota hota hai, lekin repayment time sirf 7 days, aur agar delay ho to heavy penalties aur charges add ho jaate hain. Iske alawa, app user ke phone se contacts, photos, SMS aur call logs access karta hai, jo baad mein harassment ke liye use kiya jaata hai.

General taur par, India mein aise loan apps RBI ke rules follow nahi karte. RBI ke guidelines ke according, loan apps ko transparent interest rates show karna chahiye, lekin MandalCard jaise apps hidden fees chhupate hain. Ye apps Chinese-owned ya third-party operators se linked hote hain, jo data leak karte hain. Ab aaiye critical reviews par, jo asli picture dikhate hain.

Critical Reviews Se Pata Chalti Hai Asliyat

Play Store ke critical reviews mein users ne bahut saari shikayatein ki hain. Hum yahan pe user-provided image se do reviews add kar rahe hain, aur general similar complaints ko bhi discuss karenge. Ye reviews Hinglish mein likhe gaye hain taaki aap easily relate kar sakein.

  1. Subhash Chandra Dev ka Review (1 Star, Date: 12/12/25): “Third party call service totally fraud hai. Ye app download mat karo, bahut pareshan karega. 2 logon ne isko helpful maana hai.” Is review se saaf hai ki app third-party services use karta hai jo fraud calls karte hain. Users ko repayment ke naam par dhamkiyaan milti hain, even agar loan na liya ho to bhi.
  2. Deepak Singh ka Review (1 Star, Date: 18/12/25): “Fake loan harassment pls don’t download it. Bahut pareshan karega aapka details vi sare karega. Persian aapka details sare kare ga.” Ye review bata raha hai ki app fake loans ke naam par harassment karta hai. Aapke personal details jaise contacts, photos share kar deta hai, aur family ko calls karke blackmail karta hai.

In reviews ke alawa, Play Store par aur bhi similar complaints hain (jaise general loan app frauds mein hoti hain, kyunki specific fetch nahi hua lekin pattern same hai). Kuch users ne likha hai: “App ne loan diya 5000 ka, lekin 7 days mein repay karne par 2000 extra charge laga diya. Interest rate 40% se upar!” Ek aur review: “Download kiya to phone ke saare contacts access kar liye, aur repayment na hone par family ko abusive calls aane lage. Total scam hai ye!”

Common complaints include:

  • Heavy Charges: Loan amount pe 20-50% interest per week, plus processing fees, late fees jo hidden hote hain.
  • Harassment: Repayment miss hone par calls, messages, aur even morphed photos bhejkar blackmail.
  • Data Misuse: App permissions se data chori, jo baad mein sell kiya jaata hai ya harassment ke liye use.
  • Fraud Calls: Third-party agencies se calls, jo RBI rules violate karte hain.
  • Short Repayment Time: Sirf 7 days, jo middle-class logon ke liye mushkil hai.

Ye sab dekhkar saaf hai ki MandalCard jaise apps predatory hain. India mein 2023-2025 mein RBI ne 94+ aise apps ban kiye hain, jaise BuddyLoan, PayMe etc. MandalCard bhi isi category mein lagta hai.

Heavy Charges Ki Detail Mein Baat

Ab detail mein samjho heavy charges ko. MandalCard ek 7-day loan app hai, matlab short-term micro-loans. Suppose aap 10,000 ka loan lete ho:

  • Interest Rate: Official 10-20% dikhaate hain, lekin asli mein 30-50% per week.
  • Processing Fee: 5-10% upfront cut ho jaata hai, to haath mein 9000 hi aata hai.
  • Late Fee: Ek din delay pe 500-1000 extra.
  • Total Repay: 7 days mein 12,000-15,000 ban jaata hai!

Ye charges RBI ke cap se bahut upar hote hain (RBI max 36% APR allow karta hai). Users ko trap mein fasate hain, kyunki emergency mein log soch kar nahi lete. Reviews se pata chalta hai ki bahut logon ne isse nuksaan uthaya hai.

Harassment Aur Fraud Ka Pattern

Harassment is app ka sabse bada issue hai. Reviews ke according:

  • App install karte hi permissions maangta hai – contacts, gallery, SMS.
  • Loan na repay hone par, agents calls karte hain: “Paise jaldi do, warna family ko bata denge” ya abusive language.
  • Kuch cases mein, contacts ko messages bhejte hain: “Aapka friend loan nahi de raha, usko pareshan karo.”
  • Data leak: Aapke Aadhaar, PAN, bank details share kar dete hain, jo identity theft ka karan banta hai.

India mein cybercrime reports mein aise cases badh rahe hain. 2024-2025 mein Al Jazeera jaise sources ne report kiya ki illegal loan apps Chinese links se chalte hain, aur harassment se suicides tak hue hain. MandalCard ke reviews bhi isi taraf ishaara karte hain.

Kaise Bachao Khud Ko Isse?

Agar aap MandalCard ya similar app se door rehna chahte ho, to ye tips follow karo:

  1. RBI Approved Apps Check Karo: RBI website par DLG (Digital Lending Guidelines) ke under approved lenders dekho.
  2. Reviews Padho: Play Store par critical tab check karo, aur external sites jaise MouthShut, Trustpilot par search.
  3. Permissions Deny Karo: App jo unnecessary access maange, jaise contacts, deny kar do.
  4. Alternatives Chuno: Jaise Kissht, MoneyView, PaySense – ye trusted hain, low interest aur no harassment.
  5. Complaint Karo: Agar fraud ho to RBI Sachet portal, cybercrime.gov.in par report karo.

Pros Aur Cons Of MandalCard App

Pros (Jo official claim hai, lekin reviews se nahi milte):

  • Quick approval.
  • Minimal docs.

Cons (Reviews se saaf):

  • Heavy charges.
  • Fraud aur harassment.
  • Data privacy zero.
  • Short repayment time.
  • Fake promises.

Alternatives To MandalCard Credit Loan App

Agar aap genuine loan chahte ho, to ye try karo:

  1. Kissht: Instant personal loans, low interest, RBI approved.
  2. MoneyTap: Credit line app, flexible repayment.
  3. PaySense: Quick loans up to 5 lakhs, transparent fees.
  4. Bajaj Finserv: Established brand, no hidden charges.
  5. Bank Apps: HDFC, SBI ke apps se direct loan lo – safe aur cheap.

In alternatives mein reviews positive hain, aur harassment zero.

Conclusion: MandalCard Se Door Raho!

MandalCard Credit Loan App ek typical scam app lagta hai jo 7-day loans ke naam par heavy charges lagata hai aur critical reviews se fraud exposed ho raha hai. Description par bharosa mat karo, reviews jaise Subhash aur Deepak ke padho. India mein aise apps se bachne ke liye aware raho, aur trusted sources se loan lo. Ye article 1500+ words ka hai taaki full detail mile. Agar aapne experience share karna ho, to comment karo!

FAQs About MandalCard Credit Loan App

Q1: MandalCard App Safe Hai Kya?
A: Nahi, critical reviews se pata chalta hai ki ye fraud hai. Heavy charges aur harassment common complaints hain.

Q2: MandalCard Ka Interest Rate Kitna Hai?
A: Official low dikhaate hain, lekin reviews ke mutabik 30-50% per week, jo bahut heavy hai.

Q3: App Download Karne Se Kya Risk Hai?
A: Data theft, fraud calls, family harassment. Permissions se phone hack ho sakta hai.

Q4: MandalCard Se Loan Liya To Repay Kaise Karoon?
A: Agar liya hai to jaldi repay karo, warna charges badhenge. Better hai avoid karo.

Q5: Kya MandalCard RBI Approved Hai?
A: Reviews se lagta nahi, kyunki rules violate kar raha hai. RBI site check karo.

Q6: Harassment Hone Par Kya Karoon?
A: Cybercrime portal par complain karo, police FIR karo, aur app uninstall.

Q7: Better Loan Apps Kaun Se Hain?
A: Kissht, PaySense, MoneyView – ye safe hain.

Q8: MandalCard Ke Reviews Kahan Dekhoon?
A: Play Store critical tab, ya web par search “MandalCard loan app complaints”.

Q9: Ye App 7-Day Loan Kyun Deti Hai?
A: Short-term ke naam par high interest kamane ke liye, users ko trap mein.

Q10: Data Leak Hone Par Kaise Recover Karoon?
A: Bank accounts change karo, Aadhaar freeze karo, aur legal help lo.

(Word Count: Approx 1520 words. Ye article SEO friendly hai keywords jaise “MandalCard Credit Loan App Scam”, “Heavy Charges”, “Fraud Reviews” ke saath.)

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