30daysloan Loan App
5 May, 2025 By rahulrani90
30daysloan Loan App 2025: Charges, Eligibility,Real or Fake

In today’s fast-paced world, financial emergencies can arise unexpectedly, leaving individuals scrambling for quick and reliable solutions. The 30daysloan Loan App emerges as a trusted platform for those seeking short-term, urgent personal loans in India. Designed to provide quick access to funds with minimal hassle, 30daysloan is a registered Non-Banking Financial Company (NBFC) approved by the Reserve Bank of India (RBI). This article delves into the features, benefits, application process, eligibility criteria, customer reviews, and more about the 30daysloan Loan App, offering a comprehensive guide for potential borrowers in 2025.

30daysloan Loan App
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What is 30daysloan Loan App?

30daysloan, operated under Girdhar Finlease Pvt Ltd, is a digital lending platform that specializes in providing short-term personal loans to Indian residents. Whether you need funds for medical emergencies, home repairs, utility bills, or other unforeseen expenses, 30daysloan ensures a seamless borrowing experience. The app is tailored to meet urgent financial needs with a fast disbursal process, no collateral requirements, and a user-friendly interface. With loan amounts ranging from INR 10,000 to INR 2,00,000 and flexible repayment tenures of 1 to 3 years, 30daysloan is a reliable choice for salaried employees, business owners, and self-employed individuals.

The company prides itself on its secure and transparent platform, ensuring that borrowers’ personal information is protected through accredited fintech systems. Located at 106, First Floor, Surya Kiran Building, 19 Kasturba Gandhi Marg, New Delhi – 110001, 30daysloan is easily accessible via email (info@30daysloan.com) or phone (+91-9711711074).

Why Choose 30daysloan Loan App?

30daysloan stands out in the crowded digital lending market due to its customer-centric features and efficient processes. Here are the key reasons to choose this app for your short-term loan needs:

1. Unsecured Personal Loans

30daysloan offers collateral-free loans, making it accessible to a wide range of borrowers. Eligibility is determined based on creditworthiness and a decent CIBIL score, eliminating the need for assets as security. This feature is particularly beneficial during emergencies when individuals may not have collateral to pledge. The app provides advance salary loans to help borrowers manage unforeseen expenses, such as medical bills or vehicle repairs, without financial strain.

2. Fast and Easy Redressal

The app’s streamlined loan disbursal process ensures that funds are transferred to your bank account within 30 minutes of final approval. Unlike traditional banks that require extensive paperwork and long waiting periods, 30daysloan allows borrowers to upload documents digitally. The fintech system conducts a quick verification, ensuring a hassle-free experience. This speed is a game-changer for those facing urgent financial needs.

3. Flexible Loan Options

30daysloan is designed to address multiple unexpected expenses at once. Whether it’s a wedding, housing costs, or medical emergencies, the app offers flexibility to cover various needs. There are no upfront fees or hidden charges, and the application process is straightforward, making it an attractive option for borrowers seeking convenience.

4. Secure and Transparent Platform

The app uses a secure, accredited fintech system that is manually updated to ensure data safety. 30daysloan adheres to strict privacy policies, preventing misuse of personal information. Borrowers can trust that their details are handled with care, fostering confidence in the platform.

Application Process: How to Apply for a Loan

The application process for 30daysloan is designed to be simple and efficient, allowing borrowers to access funds quickly. Here’s a step-by-step guide:

  1. Share Details: Fill out the online loan approval form on the 30daysloan app or website. The form is user-friendly, and your information is protected with robust security measures.
  2. Quick Scan: Upload the required documents, such as your PAN card, bank statements, and salary slips. The app’s fintech system performs a rapid verification to assess eligibility.
  3. Communication: If any discrepancies arise during the approval process, the 30daysloan team will contact you via phone or email to resolve issues promptly.
  4. Loan Disbursal: Once approved, the loan amount is securely transferred to your bank account on the same day, typically within 30 minutes.

Eligibility Criteria

To qualify for a loan with 30daysloan, applicants must meet the following criteria:

  • Indian Resident: You must be a citizen of India.
  • Age: Applicants should be at least 21 years old.
  • Employment Status: Salaried employees, business owners, or self-employed individuals are eligible.
  • Bank Account: A savings bank account is mandatory.
  • CIBIL Score: A decent CIBIL score is required to demonstrate creditworthiness.

Documentation Required

The documentation process is minimal, ensuring a smooth application experience. Applicants need to submit:

  • A completely filled personal loan application with a photograph.
  • PAN Card.
  • Residence Proof: Passport, driving license, voter ID, post-paid/landline bill, or utility bills (electricity/water/gas).
  • Bank Statements: Statements for the last 3 months, preferably from your salary account.
  • Salary Slips: For the last 3 months.
  • Identity & Age Proof.

Rates and Fees

30daysloan is transparent about its rates and fees, though the interest rates are higher compared to long-term loans due to the short-term nature of the product. Here are the details:

  • Monthly Interest Rate: 2.9166%
  • Annual Percentage Rate (APR): 35% (Fixed)
  • Tenure/Repayment Period: 1 to 3 years
  • Loan Amount: INR 10,000 to INR 2,00,000
  • Processing Fee: 2%
  • GST on Processing Fee: 18%

Representative Example

  • Loan Amount: ₹50,000
  • APR: 35%
  • Tenure: 12 months
  • Processing Fee: ₹1,000
  • GST on Processing Fee: ₹180
  • Amount Disbursed: ₹49,000
  • EMI: ₹4,998
  • Total Repayment Amount: ₹59,978
  • Total Interest: ₹9,978

Customer Reviews: Real Experiences with 30daysloan

Customer feedback provides valuable insights into the app’s performance and reliability. Below are some reviews from users in 2025, reflecting both positive and negative experiences:

Positive Reviews

  • Prashanth Sridhar (01/05/25): “Highly recommended! The application process was fast, simple, and hassle-free. I received approval within minutes, and the funds were disbursed quickly. The app is user-friendly, transparent, and offers flexible repayment options. Customer support was responsive and helpful.”
  • Akash Bisht (29/04/25): “Great application for instant loans at reasonable interest rates. Easy processing, minimal documentation, and excellent support staff.”
  • Geetha V (28/04/25): “Had a good experience with 30daysloan. Ms. Kajal was very helpful and knowledgeable. The process is easy, and I took a loan for the second time. Overall, happy with the service.”
  • Kumar Gautam (01/05/25): “Very good experience when I needed money urgently. The team understands customer needs, and their support is appreciated.”
  • Pravin Shukla (01/05/25): “One of the coolest loan apps with supportive staff. Ms. Neha provided seamless assistance.”

Negative Reviews

  • Aditya Singh (18/04/25): “After paying off multiple loans on time, they blocked my account because the last payment was delayed by 2 days. Not trustworthy and very high charges.”
  • Roman Chakma (02/05/25): “Unable to fill up mobile number in the application. Please solve this issue.”
  • Hansel Godinho (27/04/25): “Not happy with the services. Very bad app.”
  • Dinaar (28/04/25): “Unable to enter mobile number for 3 days. No customer service number provided.”
  • Aram Babu (18/04/25): “After submitting all documents and eKYC, the loan was rejected without reason. Waste of time.”
  • Sunil Kamat (23/04/25): “This is fake. It just tells you to apply tomorrow or that you’ve logged in multiple times. Do not download.”
  • Prajakta Patil (03/05/25): “Not a good experience. High ROI, no reloan after repayment, and unresponsive executives.”

Analysis of Reviews

The reviews highlight a mixed experience with 30daysloan. Positive feedback praises the fast approval, user-friendly interface, and helpful customer support, particularly from staff like Ms. Kajal and Ms. Neha. However, negative reviews point to issues such as high interest rates, technical glitches (e.g., inability to enter mobile numbers), account blocking, and poor customer service responsiveness. Some users also reported loan rejections without clear reasons, which can be frustrating.

To improve, 30daysloan could address technical issues, enhance customer support accessibility, and provide clearer communication regarding loan rejections or account issues. Despite these challenges, the app’s 4.0-star rating indicates that many users find value in its quick disbursal and flexible options.

Company Accreditation

30daysloan operates as Girdhar Finlease Pvt Ltd, a registered NBFC approved by the Reserve Bank of India (RBI). This accreditation ensures compliance with regulatory standards, providing borrowers with confidence in the platform’s legitimacy and security.

Conclusion

The 30daysloan Loan App is a viable option for Indian residents seeking short-term personal loans in 2025. Its collateral-free loans, fast disbursal process, and flexible repayment options make it a convenient choice for addressing urgent financial needs. The app’s secure platform and RBI accreditation further enhance its credibility. However, potential borrowers should be mindful of the high interest rates (35% APR) and carefully review the terms before applying.

Customer reviews reflect both the app’s strengths and areas for improvement. While many appreciate the speed and ease of the process, others have faced challenges with technical issues and customer service. By addressing these concerns, 30daysloan can solidify its position as a leading loan app in India.

For those in need of quick funds, 30daysloan offers a reliable solution. To apply, visit their website or download the app, ensure you meet the eligibility criteria, and submit the required documents. With 30daysloan, you can tackle financial emergencies with confidence and ease.

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Disclaimer: Always compare loan terms and interest rates before borrowing, and ensure timely repayments to maintain a healthy credit score.

Instant mudra loan
3 May, 2025 By rahulrani90
Instant Mudra Loan App Review 2025: Is It Real or Fake Loan

In today’s fast-paced world, financial emergencies can arise unexpectedly, and having quick access to funds is crucial. Instant Mudra Loan App has emerged as a popular solution for salaried individuals in India seeking instant personal loans. With a rating of 3.9 stars and over 5 lakh downloads on the Google Play Store, Instant Mudra promises a seamless, 100% digital loan application process, quick approvals, and disbursements within hours. But is it as reliable and user-friendly as it claims? In this comprehensive Instant Mudra Loan App review, we’ll dive into its features, eligibility criteria, loan terms, customer feedback, and potential drawbacks to help you decide if it’s the right choice for your financial needs.

INSTANT MUDRA LOAN
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What is Instant Mudra Loan App?

Instant Mudra, operated by Chintamani Finlease Limited, is a mobile-based financial technology platform that offers instant personal loans in India. The app targets salaried individuals facing short-term financial crunches, providing loans ranging from ₹3,000 to ₹30,000. With a motto of “Our Principle is in Building Good Relationships,” Instant Mudra aims to simplify the borrowing process by eliminating tedious paperwork and long bank queues.

The app is designed to cater to the urgent financial needs of young professionals and salaried individuals, offering a 100% online process, quick approvals, and direct bank transfers. Instant Mudra operates as a Non-Banking Financial Company (NBFC) and collaborates with lending partners to disburse loans. Its user-friendly interface and promise of hassle-free borrowing have made it a go-to choice for many, but customer reviews reveal a mixed experience.

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Key Features of Instant Mudra Loan App

Instant Mudra stands out for its streamlined approach to personal loans. Here are the key features that make it appealing:

  1. High Loan Amount: Borrow between ₹3,000 and ₹30,000, ideal for small, urgent expenses like medical bills, travel, or monthly cash shortages.
  2. 100% Online Process: The entire loan application process is digital, from registration to document submission and approval.
  3. Quick Approvals: Loans are approved within 5-48 hours, ensuring funds are available when you need them most.
  4. Collateral-Free Loans: No need to pledge assets or provide security, making it accessible to a wide range of borrowers.
  5. Flexible Tenure: Loan repayment terms range from 3 months to 24 months, allowing borrowers to choose a plan that suits their financial situation.
  6. Low Documentation: Minimal paperwork, requiring only basic documents like a selfie, Aadhaar/PAN card, salary slips, and bank statements.
  7. Credit Score-Based Lending: Loans are granted based on a comprehensive credit score, making it accessible even for those with lower CIBIL scores.
  8. No Hidden Charges: Transparent fee structure with a one-time processing fee (up to 5% of the loan amount plus GST) and a maximum APR of 23%.

These features position Instant Mudra as a convenient option for those seeking instant personal loans online in India. However, the app’s performance and customer satisfaction vary, as we’ll explore later.

Eligibility Criteria for Instant Mudra Loan

To qualify for a loan through Instant Mudra, applicants must meet the following criteria:

  • Citizenship: Must be an Indian citizen.
  • Age: 21 years or older.
  • Income: Minimum monthly salary of ₹25,000.
  • Bank Account: One active bank account.
  • Contact: A working phone number.

These requirements are straightforward, making the app accessible to a large segment of salaried professionals. However, the app currently serves only salaried individuals, with plans to expand to other categories in the future.

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Documents Required for Instant Mudra Loan

The documentation process is minimal, aligning with the app’s promise of a hassle-free experience. You’ll need:

  1. Photograph: A selfie.
  2. Income Proof: Last 3 months’ salary slips.
  3. Bank Statement: Updated 6 months’ bank statements of your salary account.
  4. Employment Proof: Employee ID card and visiting card.
  5. Identity Proof: Aadhaar card or PAN card.
  6. Signature Proof: Banker verification after loan approval.

This minimal documentation ensures that applicants can quickly submit their details and move forward with the loan process.

How Does Instant Mudra Loan App Work?

Applying for a loan through Instant Mudra is simple and can be completed in a few steps:

  1. Download the App: Install the Instant Mudra Personal Loan App from the Google Play Store.
  2. Register: Sign up using your mobile number and verify with an OTP.
  3. Enter Details: Fill in personal and financial details to check your eligibility.
  4. Choose Loan Amount: Select a loan amount between ₹3,000 and ₹30,000.
  5. Upload Documents: Submit the required documents digitally.
  6. Loan Approval: Once approved (within 5-48 hours), the loan amount is credited directly to your bank account.

The app’s user-friendly interface and quick processing make it an attractive option for those needing instant loans in India.

Loan Amount, Tenure, Fees, and Charges

Here’s a breakdown of the financial aspects of borrowing from Instant Mudra:

  • Loan Amount: ₹3,000 to ₹30,000.
  • Loan Tenure:
  • Minimum: 3 months.
  • Maximum: 24 months (including renewal time).
  • Interest Rate: Maximum APR of 23%.
  • Processing Fee: Up to 5% of the loan amount (exclusive of GST).
  • Hidden Charges: None, as per the app’s claims.

Example Calculation:

If you borrow ₹30,000 at an interest rate of 23% per annum with a processing fee of ₹750 for a 12-month tenure, you’ll repay a total of ₹36,900. This breaks down to a monthly EMI of ₹3,075.

This transparent fee structure is a positive aspect, but some users have reported dissatisfaction with the low loan amounts offered, as we’ll discuss in the customer reviews section.

Customer Reviews: What Are Users Saying?

Customer feedback provides valuable insights into the app’s performance. While Instant Mudra has a respectable 3.9-star rating and over 5 lakh downloads, reviews are mixed, with both positive and negative experiences.

Positive Reviews:

Some users praise the app for its quick disbursements and helpful customer support:

  • One user mentioned, “Very helpful app. In urgency, got the approval within 1-2 hours and disbursed in account with minimal documents.”
  • Another user noted, “I am very satisfied with Instant Mudra as it helped me improve my CIBIL score. Staff is polite and cooperative.”

These reviews highlight the app’s ability to deliver on its promise of quick loans and support for users with lower credit scores.

Negative Reviews:

However, several users have reported significant issues, including low loan amounts, poor customer service, and technical glitches:

  • Reena Parmar (12/03/25): “I had a very bad experience. Rude staff. They asked me too many documents and the loan amount they offered was just 4k… Anuradha’s chats were so bad, she called me ‘sir’ every time and was rude when I asked to close my application.” (65 people found this helpful)
  • Raj Venati (12/04/25): “Worst app, don’t waste your time. They took nearly 3 days and only approved ₹3,000. You’ll get frustrated with their late responses.”
  • Pushpendar Kumar (18/03/25): “Very bad services. They asked for documents but stopped responding after I submitted them. Totally fake promises.”
  • Anil Kumar Reddy (24/03/25): “Waste app. Good for ₹1,000-₹4,000, but for higher amounts, you need to repay for 4-5 years to qualify for ₹30,000.”
  • Ketan Mandlik (15/04/25): “They signed documents on my behalf, and I still haven’t received my loan. No one is responding.”
  • Deepak Singh (01/03/25): “Poor application. Loan payment done, but support team doesn’t update the status automatically.”
  • Raja Tripathi (13/04/25): “Absurd app. It gets stuck after the welcome page.”
  • Lucky Lucky (28/02/24): “After collecting all my data, the app got stuck, and it’s been 3 days with no response. Worst experience.”

These reviews highlight recurring issues such as low loan approvals, unresponsive customer support, technical glitches, and rude staff behavior. The app’s inability to approve higher loan amounts for new users is a common complaint, with some users feeling misled by the promise of up to ₹30,000.

Pros and Cons of Instant Mudra Loan App

Pros:

  • Quick and Easy Process: 100% online application with minimal documentation.
  • Fast Disbursements: Loans credited within 5-48 hours.
  • Collateral-Free: No need for assets or security.
  • Transparent Fees: No hidden charges, with a clear breakdown of interest and processing fees.
  • Low CIBIL Funding: Suitable for users with lower credit scores.

Cons:

  • Low Loan Amounts: Many users report being approved for only ₹3,000-₹4,000, far below the advertised ₹30,000.
  • Poor Customer Support: Complaints about rude staff and unresponsive teams.
  • Technical Issues: App glitches, such as getting stuck on the home page or failing to update loan status.
  • Limited Eligibility: Only available to salaried individuals with a minimum income of ₹25,000.
  • Mixed Reputation: Negative reviews raise concerns about reliability and professionalism.

Is Instant Mudra Loan App Safe and Legit?

Instant Mudra is operated by Chintamani Finlease Limited, a registered NBFC, which lends credibility to its operations. The app is available on the Google Play Store and has a significant user base, indicating a level of legitimacy. However, concerns arise from customer reviews and a 2022 article by Wisdom Ganga, which flagged Instant Mudra for unethical practices, such as:

  • Approving loans without user consent.
  • Harassing customers for repayments, including cyberbullying.
  • Collecting excessive personal data (camera, contacts, SMS, etc.) through broad app permissions.

The article also noted that Instant Mudra lacks transparency about its ownership and NBFC partners, raising red flags about its operations. While the app is not necessarily a scam, these concerns suggest caution. Users should carefully review the app’s privacy policy and permissions before applying.

How Does Instant Mudra Compare to Other Loan Apps?

To provide a balanced perspective, let’s compare Instant Mudra with other popular loan apps in India, such as My Mudra, KreditBee, and MoneyView:

  • Loan Amount: Instant Mudra offers ₹3,000-₹30,000, while My Mudra provides up to ₹50 lakh, and KreditBee and MoneyView offer up to ₹5 lakh.
  • Interest Rates: Instant Mudra’s maximum APR is 23%, compared to My Mudra’s 9.99%-24%, KreditBee’s 15%-29%, and MoneyView’s 16%-39%.
  • Eligibility: Instant Mudra requires a minimum salary of ₹25,000, which is higher than KreditBee (₹10,000) and MoneyView (₹13,500).
  • Customer Support: My Mudra and MoneyView have better reputations for responsive support, while Instant Mudra struggles with complaints about rudeness and delays.
  • Approval Time: All apps promise approvals within 24-48 hours, but Instant Mudra’s actual approval amounts are often lower than advertised.

For users needing higher loan amounts or better customer service, alternatives like My Mudra or KreditBee may be more suitable. However, for small, urgent loans, Instant Mudra remains a viable option despite its drawbacks.

Tips for Using Instant Mudra Loan App

If you decide to use Instant Mudra, here are some tips to ensure a smooth experience:

  1. Check Eligibility First: Verify that you meet the income and age criteria to avoid rejection.
  2. Read the Fine Print: Review the loan terms, interest rates, and processing fees before signing.
  3. Limit Permissions: Be cautious about granting excessive app permissions (e.g., access to contacts or SMS).
  4. Contact Support Early: If you face issues, reach out to info@instantmudra.com promptly.
  5. Repay on Time: Timely repayments can improve your CIBIL score and eligibility for higher loan amounts.
  6. Start Small: Given the low approval amounts for new users, apply for a smaller loan to build trust with the app.
Instant Mudra loan

Conclusion: Should You Use Instant Mudra Loan App?

The Instant Mudra Loan App offers a convenient solution for salaried individuals seeking instant personal loans in India. Its 100% online process, quick approvals, and collateral-free loans make it appealing for small, urgent financial needs. However, the app’s low loan approval amounts, technical glitches, and poor customer support are significant drawbacks that cannot be ignored. Negative reviews, such as those from Reena Parmar and Raj Venati, highlight issues with rude staff, unresponsive teams, and misleading promises about loan amounts.

For those needing loans below ₹5,000 with minimal documentation, Instant Mudra can be a quick fix, especially if you have a lower CIBIL score. However, if you require higher amounts or a more reliable experience, consider alternatives like My Mudra, KreditBee, or MoneyView. Always weigh the pros and cons, read user reviews, and proceed with caution when sharing personal data.

If you’ve used Instant Mudra, share your experience in the comments below! For more information or to apply, visit the Instant Mudra website or download the app from the Google Play Store.

Click Here to Apply Instant Mudra Loan
28 Apr, 2025 By rahulrani90
PayRupik Loan App Review: Is It the Right Choice for Instant Personal Loans?

Looking for a quick and reliable solution to meet your urgent financial needs? PayRupik, an instant personal loan app, claims to be your “best friend” for hassle-free borrowing. In this SEO-friendly review, we’ll dive into PayRupik’s features, eligibility, loan details, customer feedback, and whether it lives up to its promises. Let’s explore if PayRupik is the right online loan app for you.

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What is PayRupik?

PayRupik is an online instant personal loan platform by Sayyam Investments Pvt Ltd, a registered NBFC under the RBI. Trusted by over 5 million users, it offers quick cash loans ranging from ₹1,000 to ₹20,000 with a fully digital process. PayRupik emphasizes transparency, speed, and security, disbursing funds directly to your bank account in as little as 15 minutes.

Key Features of PayRupik:

  • Loan Amount: ₹1,000 to ₹20,000
  • Loan Tenure: 91 days to 365 days
  • Interest Rate: Up to 35% APR
  • Processing Fee: ₹80 to ₹2,000 (plus 18% GST)
  • 100% Online Process: No paperwork, fully digital application
  • Security: Data transferred via secure HTTPS connection
  • Disbursal Time: Funds credited within 15 minutes

How Does PayRupik Work?

PayRupik’s process is designed to be fast and user-friendly. Here’s how to get started:

  1. Download the App: Install the PayRupik app from the Google Play Store or Apple App Store.
  2. Create an Account: Sign up with basic details.
  3. Upload KYC Documents: Submit ID proof, address proof, and PAN card.
  4. Apply for a Loan: Choose your loan amount and tenure, and get instant approval.
  5. Receive Funds: Approved loans are disbursed to your bank account within minutes.

Eligibility Criteria:

  • Indian citizen
  • Age: 18+ years
  • Steady monthly income
  • Minimum annual household income: ₹3,00,000

PayRupik Loan Example

To understand the costs, let’s look at a representative example provided by PayRupik:

  • Loan Amount: ₹6,000
  • Tenure: 120 days
  • Interest Rate: 25% per annum
  • Interest Payable: ₹493
  • Processing Fee: ₹100
  • GST (18%): ₹18
  • Total Repayment: ₹6,611
  • APR: 30.97%

This breakdown highlights PayRupik’s transparency in displaying all charges upfront, helping users make informed decisions.

Parupik loan

Why Choose PayRupik?

PayRupik markets itself as a reliable and efficient loan app with several benefits:

  • Transparency: As an RBI-registered NBFC, PayRupik ensures clear terms and no hidden charges.
  • Instant Disbursal: Get funds in your account within 15 minutes, ideal for emergencies.
  • No Paperwork: The 100% online process eliminates the need for physical documents.
  • Data Security: Your personal information is protected with secure HTTPS encryption.
  • Flexible Tenure: Choose repayment periods from 91 days to 1 year.

Customer Reviews: What Are Users Saying?

While PayRupik boasts impressive features, customer reviews reveal mixed experiences. Here’s a summary of feedback from users:

Positive Feedback:

  • Quick Disbursal: Users like Ansh Panjwani appreciate the app’s fast loan disbursal process, making it convenient for urgent needs.
  • User-Friendly App: The digital application process is straightforward and efficient for many.

Negative Feedback:

  • Poor Customer Service: Multiple users, including Surendra Kumar and MUSHTHAQ KT, report unprofessional and unresponsive customer support. Issues like login problems and EMI repayment remain unresolved.
  • High Interest Rates: Nirbhay Shukla and others criticize the high interest rates and steep late fees, which can negatively impact CIBIL scores.
  • Loan Rejections: Surendra Kumar notes frequent loan rejections without clear reasons, even for users with timely repayments.
  • Harassment for Repayments: Users complain about excessive calls and harassment before repayment due dates.
  • Delayed or Failed Disbursals: Meta Tron highlights instances where confirmed loans were not credited, with no support from the team.

Common Complaints:

  • Unresponsive customer care (email: service@payrupikloan.in, phone: 0224-8930118)
  • High interest rates and fees
  • Technical issues with the app, such as login failures
  • Aggressive collection practices

Pros and Cons of PayRupik

Pros:

  • Fast and easy loan application process
  • Instant disbursal within 15 minutes
  • Transparent fee structure
  • Secure data handling
  • RBI-registered NBFC for credibility

Cons:

  • High interest rates (up to 35% APR)
  • Poor customer service responsiveness
  • Frequent loan rejections without explanation
  • Technical glitches in the app
  • Aggressive repayment reminders

Is PayRupik Safe and Legit?

Yes, PayRupik is a legitimate loan app operated by Sayyam Investments Pvt Ltd, an RBI-registered NBFC. It uses secure HTTPS connections to protect user data and complies with Indian financial regulations. However, user reviews suggest caution due to high interest rates, poor customer support, and aggressive repayment practices.

Should You Use PayRupik?

PayRupik is a viable option for those needing quick cash loans with minimal paperwork, especially for small amounts (₹1,000–₹20,000). Its fast disbursal and transparent terms are strong points. However, high interest rates, unreliable customer support, and negative user experiences raise red flags.

Our Recommendation:

  • Consider PayRupik if you need an instant loan and can repay on time to avoid late fees and CIBIL score impacts.
  • Explore Alternatives like Cred, MoneyTap, or KreditBee, which may offer better customer service and lower rates.
  • Read Terms Carefully: Understand the interest rates, fees, and repayment schedule before applying.

Contact PayRupik

For queries or support, reach out to:

  • Email: service@payrupikloan.in
  • Phone: 0224-8930118
  • Address: Agyathuri, Chamajali, Amingaon Guwahati, Kamrup, Assam 781031
Apply 200,000₹ loan instantly on aadhar card

Final Verdict

PayRupik offers a convenient solution for instant personal loans, but its high interest rates, poor customer service, and technical issues may outweigh the benefits for some users. Weigh the pros and cons, read user reviews, and compare with other loan apps before deciding.

Have you used PayRupik? Share your experience in the comments below to help others make an informed choice!

7 Apr, 2025 By rahulrani90
Finwise Financial Assistant Loan App Review 2025

Finwise Financial Assistant एक ऐसी लोन ऐप है जो यूजर्स को तुरंत पर्सनल लोन देने का दावा करती है। इसके मार्केटिंग विज्ञापनों में कहा जाता है कि यह आपको 50,000 रुपये तक का लोन कुछ ही मिनटों में दे सकती है। लेकिन हकीकत में यह ऐप केवल 2000 से 10,000 रुपये तक के छोटे लोन ही ऑफर करती है, वो भी बेहद कम समय – सिर्फ 5 दिन – के लिए। यह इसे उन लोगों के लिए आकर्षक बना सकता है जिन्हें तुरंत छोटी राशि की जरूरत होती है, लेकिन इसके पीछे छिपे खतरे इसे 7 दिन लोन ऐप्स से भी ज्यादा खतरनाक बनाते हैं।

Finwise का लोन कैसे काम करता है? एक उदाहरण

Finwise ऐप की असलियत को समझने के लिए इसके लोन के एक उदाहरण को देखते हैं। मान लीजिए आपने 3000 रुपये का लोन अप्लाई किया और यह अप्रूव हो गया। लेकिन आपके बैंक अकाउंट में पूरी राशि नहीं आएगी। इसकी जगह आपको सिर्फ 1800 रुपये ही मिलेंगे। बाकी का पैसा – यानी 1200 रुपये – प्रोसेसिंग फीस, सर्विस चार्ज या अन्य छिपे हुए खर्चों के नाम पर काट लिया जाता है।

अब इस 3000 रुपये के लोन को आपको 5 दिनों के अंदर चुकाना होगा। यानी आपको 1800 रुपये मिलते हैं, लेकिन रिपेमेंट के लिए 3000 रुपये देने पड़ते हैं। इतने कम समय में इतनी बड़ी राशि चुकाना कई लोगों के लिए मुश्किल हो सकता है, जिसके चलते यह ऐप यूजर्स को कर्ज के जाल में फंसा सकती है।

Finwise vs 7 Day Loan Apps: कौन ज्यादा खतरनाक ?

7 दिन की अवधि वाले लोन ऐप्स पहले से ही अपनी ऊंची ब्याज दरों और सख्त रिकवरी प्रक्रियाओं के लिए बदनाम हैं। लेकिन Finwise इनसे भी एक कदम आगे है। जहां 7 दिन लोन ऐप्स कम से कम एक हफ्ते का समय देती हैं, वहीं Finwise सिर्फ 5 दिन में पूरी राशि वापस मांगती है। इसके अलावा, लोन की राशि से पहले ही भारी कटौती और छोटी रिपेमेंट अवधि इसे और जोखिम भरा बनाती है।

  • 7 दिन लोन ऐप: 3000 रुपये का लोन, 7 दिन में 3500 रुपये चुकाने होंगे (ब्याज सहित)।
  • Finwise: 3000 रुपये का लोन, लेकिन 1800 रुपये मिलेंगे और 5 दिन में 3000 रुपये चुकाने होंगे।

Finwise Loan App के खतरे

  • छिपे हुए चार्जेस: लोन की राशि से पहले ही भारी कटौती कर दी जाती है, जिसके बारे में यूजर्स को पहले स्पष्ट रूप से नहीं बताया जाता।
  • बेहद कम समय: 5 दिन की अवधि में लोन चुकाना आम लोगों के लिए मुश्किल हो सकता है।
  • कर्ज का Jaal: अगर आप समय पर पेमेंट नहीं कर पाते, तो पेनल्टी और अतिरिक्त चार्जेस के चलते आप कर्ज के चक्कर में फंस सकते हैं।
  • डेटा प्राइवेसी का खतरा: कई ऐसी ऐप्स यूजर्स के पर्सनल डेटा का दुरुपयोग करती हैं, जिसका इस्तेमाल बाद में ब्लैकमेलिंग या अनचाहे कॉल्स के लिए हो सकता है।
  • Illegal संभावना: ऐसी ऐप्स अक्सर RBI के नियमों का पालन नहीं करतीं, जिससे इनकी वैधता पर सवाल उठते हैं।
Top 10 NBFC Loan App : Click here

Finwise से बचने के लिए क्या करें?

  • RBI रजिस्टर्ड ऐप्स चुनें: हमेशा ऐसी लोन ऐप्स का इस्तेमाल करें जो भारतीय रिजर्व बैंक (RBI) से रजिस्टर्ड हों।
  • टर्म्स और कंडीशंस पढ़ें: लोन लेने से पहले सभी शर्तों को ध्यान से पढ़ें, खासकर ब्याज दर और रिपेमेंट अवधि।
  • वैकल्पिक विकल्प: बैंक, NBFC, या विश्वसनीय लोन ऐप्स जैसे KreditBee, MoneyTap आदि से लोन लेने पर विचार करें।
  • रिव्यूज चेक करें: ऐप डाउनलोड करने से पहले यूजर्स के रिव्यूज और रेटिंग्स जरूर देखें।

निष्कर्ष : Conclusion of Finwise Loan App

Finwise: Financial Assistance Loan App भले ही बड़े-बड़े वादे करे, लेकिन यह हकीकत में एक खतरनाक जाल साबित हो सकती है। 50,000 रुपये तक के इंस्टेंट लोन का दावा करने वाली यह ऐप असल में सिर्फ 2000 से 10,000 रुपये तक के छोटे लोन देती है, वो भी भारी कटौती और 5 दिन की सख्त समय सीमा के साथ। अगर आपको तुरंत पैसों की जरूरत है, तो बेहतर होगा कि आप सुरक्षित और वैध विकल्पों की तलाश करें। अपनी मेहनत की कमाई को जोखिम में डालने से पहले सोचें – क्या Finwise जैसे ऐप्स वाकई आपके लिए सही हैं?

2 Apr, 2025 By rahulrani90
35 Best Instant Personal Loan Apps in India for Quick Cash in 2025

In today’s fast-moving world, financial emergencies don’t wait for anyone. Whether it’s a medical bill, a sudden trip, or a home repair, instant personal loan apps have become a lifesaver for millions in India. These digital platforms offer quick approvals, minimal paperwork, and funds credited to your account in minutes. With so many options available, choosing the right one can feel overwhelming. That’s why we’ve curated a list of the 35 best instant personal loan apps in India for 2025, blending convenience, affordability, and reliability. Let’s dive into the top picks that can help you tackle your financial needs with ease!

35 Best Instant Personal Loan App in india

Why Choose Instant Personal Loan Apps?

Instant loan apps have revolutionized borrowing in India by offering:

  • Speedy Approvals: Get funds in as little as 5 minutes.
  • No Collateral: Most apps provide unsecured loans.
  • Digital Process: Apply from anywhere, anytime, with minimal documentation.
  • Flexible Repayment: Choose tenures that suit your budget.

Now, let’s explore the top 35 apps that stand out in 2025 for their features, interest rates, and user-friendly experiences.

Top 35 Instant Personal Loan Apps in India

1. Moneyview

A trusted name in digital lending, Moneyview offers loans with a seamless online process.

  • Loan Amount: ₹5,000 – ₹10 Lakh
  • Interest Rate: Starts at 10% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Quick disbursal and affordable EMIs.

2. Bajaj Finserv

Known for its variety, Bajaj Finserv provides flexi loans and term loans with competitive rates.

  • Loan Amount: Up to ₹40 Lakh
  • Interest Rate: 10% – 32% p.a.
  • Tenure: Up to 96 months
  • Why Choose?: High loan limits and flexible repayment options.

3. IDFC First Bank

A user-friendly app perfect for salaried individuals seeking hassle-free loans.

  • Loan Amount: Up to ₹1 Crore
  • Interest Rate: Starts at 10.99% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Transparent process and fast approvals.

4. FlexSalary

Based in Hyderabad, FlexSalary is ideal for quick cash needs with easy EMIs.

  • Loan Amount: Up to ₹3 Lakh
  • Interest Rate: 18% – 30% p.a.
  • Tenure: 10 – 36 months
  • Why Choose?: No hidden fees and instant disbursal.

5. Navi

A digital-first lender, Navi promises loans in minutes with a simple interface.

  • Loan Amount: Up to ₹20 Lakh
  • Interest Rate: Starts at 9.9% p.a.
  • Tenure: Flexible based on eligibility
  • Why Choose?: Fully digital and rapid fund transfer.

6. IndiaLends

A premium app offering instant loans and credit score insights.

  • Loan Amount: Varies by profile
  • Interest Rate: Starts at 10.25% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Funds within 24 hours and low rates.

7. Hero FinCorp

Perfect for emergencies, this app offers a smooth, paperless experience.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Varies by eligibility
  • Tenure: Flexible options
  • Why Choose?: User-friendly and quick processing.

8. StashFin

Founded by financial experts, StashFin caters to small and large loan needs.

  • Loan Amount: ₹1,000 – ₹5 Lakh
  • Interest Rate: Starts at 11.99% p.a.
  • Tenure: 3 – 36 months
  • Why Choose?: Fast quotes and digital repayments.

9. LoanTap

A flexible loan app with no prepayment penalties.

  • Loan Amount: Varies by income
  • Interest Rate: Starts at 15% p.a.
  • Tenure: 6 – 60 months
  • Why Choose?: Transparent terms and EMI-free options after 6 months.

10. KreditBee

A popular choice for instant loans with a quick approval process.

  • Loan Amount: ₹1,000 – ₹5 Lakh
  • Interest Rate: 15% – 29.95% p.a.
  • Tenure: 3 – 24 months
  • Why Choose?: Disbursal in 10 minutes.

11. CASHe

A go-to app for salaried individuals needing urgent funds.

  • Loan Amount: ₹1,000 – ₹4 Lakh
  • Interest Rate: Starts at 2.5% p.m.
  • Tenure: Flexible
  • Why Choose?: Low rates and fast approvals.

12. PaySense

Partnered with top NBFCs, PaySense offers loans for various purposes.

  • Loan Amount: ₹5,000 – ₹5 Lakh
  • Interest Rate: 16% – 36% p.a.
  • Tenure: 3 – 60 months
  • Why Choose?: No collateral and easy application.

13. Trustpaisa Loan

A versatile app with competitive rates and multiple loan options.

  • Loan Amount: Up to ₹1 Lakh
  • Interest Rate: Starts at 35.99% p.a.
  • Tenure: Up to 12 months
  • Why Choose?: Instant disbursal and no hidden charges.
  • Who can Apply : Salaried and Self Employed Both

14. NIRA

Great for salaried professionals seeking a line of credit.

  • Loan Amount: ₹10,000 – ₹1 Lakh
  • Interest Rate: Varies by amount
  • Tenure: 3 – 12 months
  • Why Choose?: Quick and flexible credit line.
  • only for salaried

15. mPokket

Ideal for students and young professionals needing small loans.

  • Loan Amount: ₹500 – ₹30,000
  • Interest Rate: Starts at 2% p.m.
  • Tenure: Up to 3 months
  • Why Choose?: Minimal eligibility criteria.
  • students,salaried,self employed all

16. Tata Capital

A reliable NBFC offering instant loans with attractive rates.

  • Loan Amount: Up to ₹35 Lakh
  • Interest Rate: Starts at 10.99% p.a.
  • Tenure: Up to 72 months
  • Why Choose?: Secure and fast processing.

17. Fibe (EarlySalary)

A favorite for young earners with quick disbursal.

  • Loan Amount: ₹5,000 – ₹5 Lakh
  • Interest Rate: Starts at 16% p.a.
  • Tenure: Up to 24 months
  • Why Choose?: No prepayment charges.

18. InstaMoney

A fast loan app designed to ease financial stress.

  • Loan Amount: ₹5,000 – ₹50,000
  • Interest Rate: 24% – 48% p.a.
  • Tenure: Short-term options
  • Why Choose?: Disbursal in 2 hours.

19. SMFG India Credit

Affordable loans for salaried and self-employed individuals.

  • Loan Amount: Varies by eligibility
  • Interest Rate: Starts at 12% p.a.
  • Tenure: Flexible
  • Why Choose?: Tailored loan plans.

20. MoneyTap

A credit line app with instant access to funds.

  • Loan Amount: ₹3,000 – ₹5 Lakh
  • Interest Rate: 13% – 24% p.a.
  • Tenure: Up to 36 months
  • Why Choose?: Pay interest only on what you use.

21. LazyPay

A PayU-backed app for instant loans and BNPL options.

  • Loan Amount: Up to ₹1 Lakh
  • Interest Rate: Varies
  • Tenure: Flexible
  • Why Choose?: Easy repayments and quick access.

22. RupeeRedee

A speedy app for small, urgent loans.

  • Loan Amount: Up to ₹25,000
  • Interest Rate: Starts at 30% p.a.
  • Tenure: Up to 12 months
  • Why Choose?: Funds in 10 minutes.

23. Kissht

A strong player offering loans via BankSathi.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: Starts at 14% p.a.
  • Tenure: Up to 24 months
  • Why Choose?: No pre-closure fees.

24. Prefr

A digital loan app with competitive rates.

  • Loan Amount: Up to ₹3 Lakh
  • Interest Rate: Starts at 12% p.a.
  • Tenure: 12 – 48 months
  • Why Choose?: Simple and fast process.

25. InCred

A hassle-free app for salaried and self-employed borrowers.

  • Loan Amount: Up to ₹7.5 Lakh
  • Interest Rate: Starts at 15% p.a.
  • Tenure: 12 – 60 months
  • Why Choose?: Customizable loan add-ons.

26. RapidRupee

Perfect for small loans with no credit score requirement.

  • Loan Amount: Up to ₹20,000
  • Interest Rate: 12% – 36% p.a.
  • Tenure: Up to 12 months
  • Why Choose?: Funds in 30 minutes.

27. True Balance

A financial inclusion-focused app for quick loans.

  • Loan Amount: Up to ₹50,000
  • Interest Rate: Starts at 2.4% p.m.
  • Tenure: Flexible
  • Why Choose?: Minimal paperwork.

28. Home Credit

Offers loans with easy EMIs for all income groups.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 24% p.a.
  • Tenure: Up to 48 months
  • Why Choose?: Wide eligibility.

29. Paytm Loans

A popular app integrating payments and loans.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: 2.5% – 30% p.a.
  • Tenure: Varies
  • Why Choose?: Seamless app experience.

30. Credy

A quick loan app for salaried individuals.

  • Loan Amount: Up to ₹1 Lakh
  • Interest Rate: Starts at 1% p.m.
  • Tenure: Up to 12 months
  • Why Choose?: Simple and fast.

31. ZestMoney

A BNPL and loan app for instant credit.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: Varies
  • Tenure: Up to 24 months
  • Why Choose?: No-cost EMI options.

32. Slice

A modern app for young borrowers with a credit line.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 12% p.a.
  • Tenure: Flexible
  • Why Choose?: Rewards for timely payments.

33. Privo

An RBI-regulated app for instant loans.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 10% p.a.
  • Tenure: Up to 60 months
  • Why Choose?: Secure and fast disbursal.

34. NoBroker InstaCash

A unique app tied to rental services with quick loans.

  • Loan Amount: Up to ₹5 Lakh
  • Interest Rate: Starts at 12% p.a.
  • Tenure: Up to 36 months
  • Why Choose?: Multi-purpose funding.

35. VIVA Money

India’s first line-of-credit loan app with 0% interest options.

  • Loan Amount: Up to ₹2 Lakh
  • Interest Rate: 0% – 36% p.a.
  • Tenure: Up to 51 days interest-free
  • Why Choose?: Innovative credit line.

How to Choose the Best Instant Loan App?

With so many options, here’s how to pick the right one:

  1. Interest Rates: Compare rates to find the most affordable option.
  2. Loan Amount: Ensure the app meets your funding needs.
  3. Repayment Tenure: Opt for flexibility that fits your budget.
  4. Eligibility: Check age, income, and credit score requirements.
  5. Reviews: Look for user feedback on reliability and service.

Final Thoughts

Instant personal loan apps in India have made borrowing faster and more accessible than ever. Whether you need a small sum like ₹5,000 or a larger amount like ₹40 Lakh, there’s an app for every need in 2025. From Moneyview’s affordability to VIVA Money’s innovative credit line, these 35 apps offer a mix of speed, convenience, and flexibility. Before applying, assess your financial situation and choose an app that aligns with your repayment capacity. Ready to get started? Download one of these top apps today and take control of your finances!

Get Loan From Zero Cibil App

24 Feb, 2025 By rahulrani90
Prime Lend Loan App Review 2025: A Closer Look at This 7-Day Fake Loan App

In the fast-evolving world of digital lending, apps like Prime Lend have emerged, promising quick and easy loans to users in need. With a polished description and claims of partnering with RBI-registered NBFCs like Premjee Truck Finance Co. Pvt. Ltd., Prime Lend markets itself as a legitimate platform. However, a deeper investigation reveals that Prime Lend is not what it seems. Despite its professional facade, it operates as a high-charge 7-day fake loan app, luring unsuspecting users into a trap of exorbitant fees and short repayment timelines. In this Prime Lend Loan App review for 2025, we’ll expose the reality behind its claims and highlight why you should steer clear of this deceptive service.

Prime Lend Loan App
Prime Lend Loan App

What Is Prime Lend Loan App?

Prime Lend presents itself as a platform that connects users with Non-Banking Financial Companies (NBFCs) rather than directly lending money. According to its description, it collaborates exclusively with Premjee Truck Finance Co. Pvt. Ltd., an RBI-registered NBFC, to ensure “safety and transparency.” The app boasts features like transparent fees, a 100% online application process, and a smooth web experience, with loan amounts ranging from ₹3,000 to ₹100,000 and terms between 120 to 365 days. On the surface, it appears to be a credible option for borrowers seeking quick financial assistance.

However, the reality diverges sharply from this polished narrative. Prime Lend is, in fact, a 7-day fake loan app notorious for its predatory practices. Despite its claims of longer loan terms, users report being pressured into repaying loans within just 7 days, coupled with hidden high charges that far exceed the advertised rates.

Prime Lend Loan App Features: What They Claim vs. Reality

Let’s break down the features Prime Lend promotes and compare them to what users actually experience:

1.Loan Term: 120 to 365 Days or Just 7 Days?

  • Claim: Prime Lend states that its loan terms range from 120 to 365 days, offering flexibility to borrowers.
  • Reality: Numerous users have reported that Prime Lend operates as a high-charge 7-day loan app. After approval, borrowers are given a mere 7-day repayment window, contradicting the advertised terms and creating immense pressure to repay quickly.

2. Loan Amount: ₹3,000 – ₹100,000

Claim: The app promises loans between ₹3,000 and ₹100,000 to cater to various financial needs.

Reality: While smaller amounts like ₹3,000 or ₹20,000 are disbursed, users often receive far less than requested, with the shortfall attributed to undisclosed upfront fees

3. Transparent Fees and Low Processing Costs

  • Claim: Prime Lend highlights a processing fee of just 1% and a maximum APR of 24%, emphasizing transparency.
  • Reality: The app hides additional charges, including exorbitant interest rates and GST fees that inflate the total repayment amount significantly. For a ₹20,000 loan, users might end up paying well over ₹25,000 in just 7 days—far from transparent or affordable.

Partnership with RBI-Registered NBFC

  • Claim: Prime Lend claims to partner with Premjee Truck Finance Co. Pvt. Ltd., an RBI-registered NBFC, to assure legitimacy.
  • Reality: There’s little evidence to substantiate this partnership. Many fake loan apps use the names of legitimate NBFCs to gain trust, but the actual operations do not align with RBI regulations, especially with the predatory 7-day repayment cycle and undisclosed charges

How Prime Lend Lures Users: The Trap of a Fake Loan App

Prime Lend’s description is carefully crafted to mimic legitimate loan apps. By mentioning an RBI-registered NBFC and offering seemingly reasonable terms like a 1% processing fee and a maximum APR of 24%, it appeals to borrowers desperate for quick cash. However, once users sign up, they encounter the hallmarks of a 7-day fake loan app:

  • Short Repayment Period: Instead of 120–365 days, loans must be repaid in 7 days, catching borrowers off guard.
  • High Charges: Hidden fees and inflated interest rates make the loan far more expensive than advertised.
  • Harassment Tactics: Users who fail to repay within the short timeframe report receiving threatening messages or calls, a common trait of fraudulent apps.
  • Data Misuse: Many fake loan apps, including Prime Lend, request excessive permissions (e.g., access to contacts and photos), raising concerns about privacy violations.

For example, the app provides a sample calculation for a ₹20,000 loan with a 180-day term, totaling ₹22,360 after fees and interest. In reality, users borrowing ₹20,000 might face a repayment demand of ₹25,000 or more within just 7 days, exposing the high-charge 7-day loan app nature of Prime Lend.

Why Prime Lend Is a High-Charge 7-Day Fake Loan App

Here’s why Prime Lend doesn’t hold up as a legitimate lending platform:

  • Mismatch in Loan Terms: Legitimate RBI-regulated NBFCs do not impose 7-day repayment terms for personal loans of this nature. The advertised 120–365 days is a bait-and-switch tactic.
  • Unregulated Practices: The high charges and lack of transparency violate RBI guidelines, which mandate clear disclosure of all fees and fair lending practices.
  • Lack of Verifiable Contact: The email provided (mail@affortabletech.com) is generic and unresponsive, a red flag for fake apps lacking genuine customer support.
  • User Complaints: Online reviews and forums in 2025 increasingly label Prime Lend as a scam, with borrowers citing unexpected charges and aggressive recovery tactics.

How to Spot and Avoid Fake Loan Apps Like Prime Lend

To protect yourself from apps like Prime Lend, follow these tips:

  • Check RBI Registration: Verify the NBFC’s credentials on the official RBI website. If the app’s practices don’t align with the NBFC’s standards, it’s likely a scam.
  • Read Reviews: Look for user feedback on platforms like Google Play Store or X to identify red flags.Avoid
  • Unrealistic Promises: Be wary of apps promising instant loans with no documentation or unusually low fees.
  • Examine Permissions: If an app requests access to your contacts or media files, it’s a potential data theft risk.
  • Demand Transparency: Legitimate lenders provide a clear loan agreement upfront, not after disbursement.

Prime Lend Loan App Review 2025: Final Verdict

In this Prime Lend Loan App review for 2025, it’s clear that despite its professional marketing, Prime Lend is a high-charge 7-day fake loan app designed to exploit vulnerable borrowers. The discrepancy between its advertised terms (120–365 days, 24% APR) and its actual practices (7-day repayment, hidden fees) reveals its deceptive nature. While it claims to partner with Premjee Truck Finance Co. Pvt. Ltd., the lack of evidence and predatory tactics suggest it’s operating outside regulatory norms.

If you’re seeking a legitimate loan, opt for apps partnered with well-known, RBI-registered NBFCs or banks, such as MoneyTap, KreditBee, or PaySense, which offer transparent terms and fair practices. Avoid Prime Lend at all costs—it’s a financial trap masquerading as a solution.

know more : Top 10 NBFC Loan App in India
Prime lend Direct Link 🔗🖇️
24 Dec, 2024 By rahulrani90
KamakshiMoney Loan App: Your Partner for Small Financial Needs

In today’s fast-paced world, not every financial requirement demands a hefty loan. Sometimes, a small amount is all you need to tackle unexpected expenses, pay utility bills, or buy that gadget you’ve been eyeing. That’s where KamakshiMoney Loan App steps in as the ideal solution.With a streamlined process designed for convenience, the app offers quick and hassle-free access to small loans.

Kamakshi Money Loan App
kamakshi loan app

Forget the lengthy paperwork – KamakshiMoney ensures minimal documentation and swift approvals so you can get the funds you need right when you need them. Whether it’s a sudden emergency or a planned purchase, this app is tailored to meet your financial needs efficiently.

RATES & CHARGES

  • Minimum loan amount – Rs 5,000 /-Maximum loan amount – Rs 2,00,000 /-
  • Tenure – 92 Days to 365 Days.
  • Processing Fee – @ 2% of loan amount*
  • No pre – Closure ChargesNo Prepayment Charges.
  • APR (Annual Percentage Rate) – @ 15% to 31%
  • Cheque Bounce Charges – Rs. 1000/-
Apply Now in Kamakshi Money

Is Kamakshi Money App NBFC Registered?

KamakshiMoney is digital platform and lending partners of AVA Finance Pvt. Ltd.(NBFC) that facilities its users to avail financial credit from AVA Finance Pvt Ltd. So We Can That It is NBFC Registered Personal Loan App Which Provides Small Loan Amounts

30 Nov, 2024 By ravita pal
FATAKPAY : Financial Wellness Loan App Review 2024

Welcome to FATAKPAY digital private limited a frunt runner HR. Fintech renowned for our award winning platform that simplifies credit and financial products access our service ensures quick personal loans with

FATAKPAY Financial Wellness Loan App Review 2024
FATAKPAY Financial Wellness Loan App

competitive interest rates providing a smooth hassle free experience for both salaried and self employed individuals accessible anytime and anywhere

Why Choose FATAKPAY ?

  • Online personal EMI loans : from 1000 to 5,00,000
  • Interest rates : annual rates from 12% 35.95%
  • Flexible tenure : Repayment Options from 3 to 36 months
  • 100% digital process & 10 mins loan disbursals
  • Rewards : monthly cashback and savings on purchase through our merchant partnership

Loan Types Offered : (easy application with just your KYC )

Short – term loan : loans from 1,000 to 25,000 with 3 – 12 months tenure

Personal Loan For Salaried : borrow 25,000 to 5,00,000 with flexible 6 – 36 months repayment terms.

Loan Example :

  • Loan amount : 20,000 for 12 months
  • Interest : 20% per annum
  • Processing fee : 500 (2.5%) plus GST 90
  • Total interest : 2,232
  • Monthly EMI : 1,853
  • APR : 24.89%
  • Amount disbursed : 19,410
  • Total repayment : 22,232
  • Total loan cost : 2,822
7000 के ट्रांसफर पे लगने वाला चार्ज

Eligibility Criteria

  • Indian nationality
  • Age above 21 years

Our Trusted NBFC partner :

-Atmos Finance Pvt. Ltd.

Commitment to financial wellness :

FATAKPAY believes in a human first – approach, ensuring customer safety and data protection our process are seamless and our collection are empathetic and RBI complaint.

Ethical Practices :

-We use only registered landline numbers for promotional and collection activities no private or personal mobile numbers and no foreign numbers allowed

-All payments are made through our app with no transaction to personal accounts

-Our calls are monitored & recorded : agents never use threats or abusive language

-Our app does not access your contacts or other private data.

App permissions required for customer :

Coarse Location – we use your approximate current location to assess loan eligibility to speed up KYC process for your application

Read Device Info – we collect device and phone details, like model, OS, Unique identifiers, and network info, to prevent fraud and safe guard your data

Camera And Media Access – to scan capture and collect selfie and necessary KYC documents enabling us to fill in relevant fields automatically.

Data Protection And Privecy :

FATAKPAY Adheres to ISO 27001:2013 standards, ensuring 100% encryption of data at rest and in transit customer data is securely stored and processed within India with restricted employee access users have the right to request data deletion.

-Privacy and policy : https://FATAKPAY.com/privacy policy

-Term & conditions : https://fatakpay.com/term-condition

– Email : help@fatakpay.com

– phone : + 91-9820476476

– Address : 1A FATAKPAY digital Pvt Ltd technopolis knowledge park, mahakali caves road, Andheri East, Mumbai – 93

Fatakpay Apply Process

enter your mobile number

FatakPay App Authorised Links

Fatakpay Apply Link : Server 1
Fatakpay App Link
Defaulter Loan App

28 Nov, 2024 By ravita pal
4 New Personal Loan App Review 2025

New loan app is a financial services platform which aims to help improve the financial health of frontline workers in India New Loan App acts as a bridge between the frontline workers and the big/banks NBFCS by providing a simple and clear process for access to loans for the next billion population of India. The NBFC which is currently available on our platform is NDX P2P private limited.

A user can avail Instant cash Personal loans of up rs. 25,000 at a 1% – 3% interest rate with no other hidden charges we charge a small processing fee of rs. 200 to rs. 600 exclusive offers GST.

A representative example of the total cost of the personal loan including all applicable fees:

Download First Loan App Direct Link 1
Download 1 Loan App

Highlights from New Personal Loan App

  • Finance amount : up to 25,000
  • Repayment tenure : minimum 3 months to maximum 6 months
  • Rate of interest / annual percentage Rate : minimum 20% to maximum 50%
  • Processing fees : rs. 200 to rs. 600 (exclusive of GST)

2nd Loan App

Eligibility Criteria of This Personal Loan

  • aadhar Card For Address Verification
  • pan card for indentity verification
  • age more than 18 year
  • atleast more than 650 Cibil Score

Sample New Loan App Example :

  • Amount : rs. 10,000
  • Interest rate : 1.5% monthly simple interest
  • Tenure : 3 months
  • EMI frequency : monthly
  • Processing fees : rs. 300
  • Disbursed amount : rs. 9,700
  • Total interest payable : rs. 450
  • Monthly payment : rs. 3483.33
  • Total payment in 3 months : rs. 10,450
  • Overall cost : rs. 750 ( including rs 450/ as interest and rs. 300/ as processing fee)
  • APR : 30.4%

3rd Loan App

Interest rate and processing fees vary as per your product.

3rd Loan App Direct 🔗 link
4th Loan App Link
23 Nov, 2024 By ravita pal
UrbanMoney Loan App Review 2024

Best online loan app instant loan app for students, instant loan for Salaried, loan up to 50,000 RBI registered NBFC The core functionality of the app is to provide loans to it’s users

UrbanMoney Loan App Review 2024
UrbanMoney loan app

UrbanMoney is the best student loan app and Salaried loan app get instant loan for college students and instant loan for Salaried employees avail personal loan instantly ranging from Rs 500 to Rs. 50,000 just open this online loan app and consider this as a borrowing option whenever you are short of pocket money or you want to avail urgent cash loan in any emergency or even to settle your travel plans and much more get everything settled with the best instant loan app

  • Loan amount : rs. 500 to rs. 50,000
  • Interest rates : from 2% to 9% per month
  • Tenure : 61 days to 120 days

Key Features

  • Instant personal loan up to : rs. 50,000
  • Cash transfer to bank/Paytm account Cash Loan within a minute
  • Flexible repayment options, repay in 4 months
  • Rewarded for timely repayments
  • NIL processing fees with maximum APR of 108% interest rates range between 1% to 9% per month maximum tenure is 120 days

For example for a student or salaried personal loan of –

  • Loan amount – rs. 2000
  • Tenure – 3 months
  • Interest rate – 5% per month
  • Processing fees – rs. 0
  • GST on processing fee – rs. 0
  • Total interest – rs. 300
  • APR : 60%

Loan is rs. 2000 disbursed amount is rs 2000 total loan repayment amount is rs 2300

Also we are governed by RBI & we have our own NBFC licence in the name of hytone marchants pvt Ltd (RBI issued NBFC licence number – 05.02294) we are legally compliant and well regulated.

All loans on the UrbanMoney app are disbursed by a reserve Bank of India registered non banking finance company Hytone marchants pvt ltd (RBI issued NBFC licence number – 05.02294)

Eligibility Criteria

  • Students – yes, UrbanMoney provides loans for college students
  • Salaried professionals – get a personal loan at a take home salary of rs 9,000 and above

Any students and salaried person, pan India eligible for an instant loan through our app to avail a quick personal loan a student must be above 18 years of age & should have a valid college ID card as a quick cash personal app for Salaried people UrbanMoney offers a reliable and safe payment system without compromising their information

Documents Required

UrbanMoney has a very smooth and fast verification process and is considered to be one of the best online loan app in India to avail instant personal loan submit documents –

  • College ID card for students
  • Last 3 months bank statements salary slip/ joining letter for Salaried professionals
  • Aadhar card, driving licence, voter ID card etc.
  • Pan card
  • KYC details

For help you can email us at support@UrbanMoney.com

For help you call us at + 913368270407

Do visit our website to contact us for any queries at www.urbanmoney.co./

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