7 Apr, 2025 By rahulrani90
Creditrack Credit Assistant Loan: नई लोन ऐप जो मदद के नाम पर ठगी- सावधान रहें

हाल ही में गूगल प्ले स्टोर पर एक नई लोन ऐप “Creditrack Credit Assistant” लॉन्च हुई है, जो दावा करती है कि यह आपके क्रेडिट स्कोर को बढ़ाने में मदद करेगी। लेकिन क्या यह वाकई आपकी फाइनेंशियल हेल्प के लिए बनी है, या फिर यह एक छिपा हुआ ठगी का जाल है? यूजर्स के अनुभव और इस ऐप की कार्यप्रणाली को देखते हुए यह साफ होता है कि यह एक शॉर्ट-टर्म लोन ऐप है, जो हाई इंटरेस्ट रेट्स के साथ लोगों को फंसाने का काम कर रही है। आइए, इस ऐप की हकीकत को गहराई से समझते हैं और जानते हैं कि आपको इससे क्यों सावधान रहना चाहिए।

{“remix_data”:[],”remix_entry_point”:”challenges”,”source_tags”:[“local”],”origin”:”unknown”,”total_draw_time”:0,”total_draw_actions”:0,”layers_used”:0,”brushes_used”:0,”photos_added”:0,”

Creditrack Credit Assistant क्या है?

Creditrack Credit Assistant अपने आप को एक क्रेडिट स्कोर सुधारने वाली सर्विस के रूप में पेश करती है। यह यूजर्स को लुभाने के लिए आकर्षक वादे करती है, जैसे कि आसान लोन अप्रूवल और क्रेडिट स्कोर में सुधार। लेकिन असल में यह एक 7-दिन की अवधि वाला लोन प्रोवाइड करती है, जिसमें बेहद ऊंची ब्याज दरें और छिपे हुए चार्जेस शामिल हैं। यूजर्स का कहना है कि यह ऐप उनके फाइनेंशियल हेल्थ को बेहतर करने के बजाय उन्हें कर्ज के जाल में फंसा रही है।

यूजर्स का अनुभव: ठगी का खुलासा

एक यूजर ने अपना अनुभव साझा करते हुए बताया कि उसे 5000 रुपये का लोन अप्रूव हुआ, लेकिन उसके अकाउंट में सिर्फ 2700 रुपये जमा हुए। इसके बाद, मात्र 7 दिनों में उसे 5200 रुपये चुकाने के लिए कहा गया। इसका मतलब है कि 2700 रुपये पर 7 दिनों में लगभग 92% का ब्याज वसूला जा रहा है, जो कि किसी भी वैध फाइनेंशियल इंस्टीट्यूशन के मानकों से कहीं ज्यादा है। यह साफ संकेत है कि Creditrack Credit Assistant पारदर्शी लोन सर्विस देने के बजाय लोगों को लूटने का जरिया बन रही है।

क्या यह RBI रजिस्टर्ड NBFC के साथ काम करती है?

भारत में कोई भी वैध लोन ऐप जो लोन प्रोवाइड करती है, उसे रिजर्व बैंक ऑफ इंडिया (RBI) के दिशा-निर्देशों का पालन करना होता है और किसी रजिस्टर्ड नॉन-बैंकिंग फाइनेंशियल कंपनी (NBFC) के साथ पार्टनरशिप में काम करना जरूरी होता है। लेकिन Creditrack Credit Assistant के बारे में कोई ठोस जानकारी उपलब्ध नहीं है जो यह साबित करे कि यह RBI से मान्यता प्राप्त NBFC के साथ जुड़ी है। बिना रजिस्ट्रेशन के काम करने वाली ऐसी ऐप्स अक्सर फर्जी होती हैं और यूजर्स को ठगने के लिए डिज़ाइन की जाती हैं।

कैसे पहचानें कि यह फ्रॉड ऐप है?

Creditrack Credit Assistant जैसी ऐप्स से बचने के लिए कुछ लाल झंडों (Red Flags) पर ध्यान देना जरूरी है:

  • हाई इंटरेस्ट रेट्स और छिपे हुए चार्जेस: वैध लोन ऐप्स पारदर्शी तरीके से ब्याज दरें और फीस बताती हैं। लेकिन इस ऐप में लोन की राशि का बड़ा हिस्सा काट लिया जाता है और फिर भारी ब्याज वसूला जाता है।
  • शॉर्ट-टर्म लोन की मजबूरी: 7 दिनों जैसे बेहद कम समय में पूरा भुगतान करने का दबाव यूजर्स को कर्ज के चक्र में फंसाता है।
  • RBI रजिस्ट्रेशन की कमी: अगर कोई ऐप अपने NBFC पार्टनर या RBI रजिस्ट्रेशन की जानकारी साफ तौर पर नहीं देती, तो यह संदिग्ध है।
  • अनचाही परमिशन: कई फर्जी ऐप्स आपके फोन के कॉन्टैक्ट्स, गैलरी और डेटा तक पहुंच मांगती हैं, जिसका इस्तेमाल बाद में ब्लैकमेलिंग के लिए हो सकता है।
  • पॉजिटिव रिव्यूज पर शक: प्ले स्टोर पर ढेर सारे 5-स्टार रिव्यूज फर्जी हो सकते हैं, जो यूजर्स को भ्रमित करने के लिए डाले जाते हैं।

फर्जी लोन ऐप्स से होने वाले नुकसान

Creditrack Credit Assistant जैसी अनरजिस्टर्ड ऐप्स से लोन लेना आपके लिए कई जोखिम पैदा कर सकता है:

  • फाइनेंशियल लॉस: ऊंची ब्याज दरों और छिपे चार्जेस की वजह से आप जरूरत से ज्यादा पैसे चुकाते हैं।
  • डेटा चोरी: आपकी पर्सनल जानकारी जैसे आधार, पैन और बैंक डिटेल्स का गलत इस्तेमाल हो सकता है।
  • हरासमेंट: रिपेमेंट न करने पर ये ऐप्स यूजर्स को धमकियां देती हैं और उनके कॉन्टैक्ट्स को परेशान करती हैं।
  • क्रेडिट स्कोर पर असर: अगर आप समय पर पेमेंट नहीं कर पाते, तो यह आपके क्रेडिट स्कोर को नुकसान पहुंचा सकता है।

क्या करें अगर आप फंस गए हैं?

अगर आपने गलती से Creditrack Credit Assistant Loan App से लोन ले लिया है या ऐसी किसी फर्जी ऐप से परेशान हैं, तो ये कदम उठाएं:

  • शिकायत दर्ज करें: नेशनल साइबर क्राइम रिपोर्टिंग पोर्टल (cybercrime.gov.in) पर अपनी शिकायत दर्ज करें।
  • RBI से संपर्क करें: RBI के सachet पोर्टल पर ऐसी ऐप्स की रिपोर्ट करें।
  • बैंक को सूचित करें: अपने बैंक को तुरंत बताएं और संदिग्ध ट्रांजैक्शंस को ब्लॉक करने के लिए कहें।
  • कानूनी सलाह लें: किसी वकील से सलाह लेकर अपने अधिकारों की रक्षा करें।

सुरक्षित लोन ऐप्स कैसे चुनें?

  • हमेशा RBI से रजिस्टर्ड NBFC के साथ काम करने वाली ऐप्स चुनें, जैसे KreditBee, MoneyView या Fibe।
  • लोन लेने से पहले ऐप की टर्म्स एंड कंडीशंस, ब्याज दरें और रिव्यूज चेक करें।
  • ऐसी ऐप्स से बचें जो बहुत आसान और तुरंत लोन देने का वादा करती हैं बिना किसी डॉक्यूमेंटेशन के।

निष्कर्ष: सावधानी ही बचाव है

Creditrack Credit Assistant भले ही क्रेडिट स्कोर बढ़ाने का दावा करे, लेकिन इसके पीछे की सच्चाई इसे एक संभावित फ्रॉड ऐप बनाती है। हाई इंटरेस्ट रेट्स, छिपे चार्जेस और RBI रजिस्ट्रेशन की कमी इसे संदिग्ध बनाते हैं। अगर आपको तुरंत पैसों की जरूरत है, तो हमेशा भरोसेमंद और रेगुलेटेड लोन ऐप्स का इस्तेमाल करें। अपनी मेहनत की कमाई और पर्सनल डेटा को सुरक्षित रखने के लिए सावधानी बरतें और ऐसे जाल में न फंसें।

Top 10 NBFC Loan App 2025
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?

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 🔗🖇️
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./

23 Nov, 2024 By ravita pal
Mahila Money – Loan For Women Review 2024

Welcome to mahila money we offer loans investment, insurance and business support service to women entrepreneurs through our RBI licensed NBFC partners our user run – beauty parlours, fashion boutiques, cloth business, tiffin services, pre – school travel agencies, yoga studios, D2C brands, handicrafts, manufacturing business, kirana stores, E – Mitra, retail shops, pickles, agarbatti business & SMEs

Mahila Money Loans For Women Review 2024
Mahila Money Loans App

Through a 100% digital application process, you can avail, hassle-free, loans taoilared for women entrepreneurs take a loan on your merit, you don’t need any male family member as a co- guarantor, nor do you need your father or husband’s signatures!

We offer you loans for your business these include working capital loans, asset purchase loans, business expansion loans, SME loans, skilling and starter loans. You can use these loans to increase your revenue or income by investing in your business.

Your business can be a sole proprietorship, partnership or private limited company. Any woman entrepreneur can join the mahila money app for free.

On the app you can find Loans,

You can also find video interviews and webinars with women entrepreneurs on mahila money you can join the mahila money open house every day on the app meet other entrepreneurs on a video call and get your debts resolved

Key features of the mahila money app

Loans for women entrepreneurs

Apply for collateral free loans through an easy 100% digital process with easy Repayment Options.

Mahila money Loan terms :

  • Loan amount : INR 30,000 – INR 10,00,000
  • Tenure : 6 months to 3 years
  • Repayment : monthly
  • APR and other charges :
  • Interest rate (APR) : reducing up to 25% per annum processing fee (excl.of GST) : up to 5% a penalty fee may be levied on delayed payments in accordance with the loan terms and conditions. Additionally, GST will be applicable to all loan transaction under applicable low

Loan Eligibility :

  • Indian citizen
  • Age : 18 – 55 years

Only for women : only for productive/ business purposes

If you are considering a loan with mahila money here’s an example of what you can expect:

  • Loan amount : INR 1,00,000
  • Tenure : 24 months
  • Interest rate (APR) : 25% per annum (reducing rate) processing fees (excl.GST) : INR 2,000
  • Monthly repayment amount : INR 5,337.15
  • Total interest payable : INR 28,092
  • Total amount payable : INR 128,092 (24 equal monthly payments at the end of every month for a duration of 24 months)
  • Loan will be granted by one of our RBI -licensed NBFC partner and is subject to NBFC approval

Our Partners

NBFC partners for mahila money loans :

Capital trade links limited (https//www.capitaltrade.in)

RBI licensed NBFC – P2P Partner for Aditi investment plan

Rupee circle (https//www.rupeecircle.com)

Mahila money can be accessed via the mahila money app on playstore or at https//mahila.money

If you have any questions, please contact us whatsapp : +919810198944

Mail : customercare@mahila.money

Call : +918095171600

22 Nov, 2024 By ravita pal
Ram Fincorp App Download Link : Ram Fincorp Lite App Real or Fake?

Ram Fincorp personal loan offers tension free, easy and instant personal loans right at your fingertips not only do we provide you with the fastest disbursal ever possible but also low interest rates the loan will be credited to your bank account through us, your trusted NBFC in arround 30 minutes

Ram Fincorp Lite App Download Link Ram Fincorp Lite App Real or Fake?
Ram Fincorp Lite App

We are a RBI registered NBFC committed to offering personal credits to salaried professionals we stand for catering to your individual financing needs in an easy way by including innovation to the credit buying handle in this manner giving you moment get to reserves in a straightforward and way.

Loan Model

Ram Fincorp personal loan provides personal loan ranging from INR 5,000 to INR 2,00,000 based on your requirement –

  • Loan amount – 5,000 to 2,00,000
  • Interest rate : up to 36% per annum
  • APR : 36% MAX
  • Age : 21 to 55 years
  • Late payment fee – as applicable
  • Processing fee – up to 5%
  • Loan tenure – 90 days to 365 days
  • Pre -closure charges – as applicable

Sample loan calculation

  • Loan amount : 30,000 at interest rate of 30% p.a.
  • Loan duration : 3 months
  • Total Personal Loan interest : 2,250
  • Processing fees + GST = 500 + 90 = 590
  • Total deductibles : 590
  • In hand amount : loan amount – total deductibles = 30,000 – 590 = 29,410
  • Total repayable amount : 32,250
  • Monthly EMI repayable : 10,750
  • PF + GST are deducted upfront during the loan disbursal.

Advantages of ram Fincorp personal loan

  • Customised personal loan
  • Secure data system
  • Instant approval and disbursal
  • Transparent process
  • Flexible repayment options
  • Minimum documentation

Eligibility document required

  • Individuals with a minimum monthly income of rs. 30,000
  • Indian residents/citizens who are 21 years and above
  • To apply for the loan applicants would need pan cards, Aadhar cards, salary slip salary account bank statement and address proof
Bad cibil Low Interest Loan Apply

Security and privacy policy

To guarantee to security of the information shared by our clients we have a highly secure and encycrepted system to read our privacy policy click here :

https://www.ramfincorp.com/privacypolicy

Terms & Conditions

Ram Fincorp personal loan is a unit of R.K Bansal Finance private limited (NBFC) which is registered with

The RBI. Visit : https://www.ramfincorp.com/conditions

Contact Information

  • Contact number : +919899985495
  • Official Mail ID : info@ramfincorp.com
  • Official website : https://ramfincorp.com/
  • Registered & corporate office address : 4338, padam shingh road, Karol Bagh new Delhi – 110005
18 Nov, 2024 By ravita pal
4 New Loan App without income proof 2025 : Apply

Hello dosto aaj ke is post me ham teen aisi new loan company ke bare me apko bataenge jisse loan lene ke liye apko koi bhi income proof aur cibil score ki jarurat nhi h aap bahut hi aasani se in application se personal loan prapt kar sakte hai vah bhi 1000 se lekar ke pure ke pure 5 lakh rupay Tak keval apke Aadhar card aur Pan Card me to pura post achhe se padhe aur hamne kuchh tarike bataye hai jaha se aap in application me loan apply karege aur post ke neeche hamne in application ke link bhi de rakhe hai jaha se aap directly loan apply bhi kar sakte hai

New Loan App Required documents

  • Aadhar card for address verification
  • Pan car for cibil score
  • Applicants age must be more than 21 years
  • Active bank account
  • No loan default in last 3 months

Eligibilty Criteria New Loan App

  • Indian adult citizen
  • Valid pan card
  • Aadhar verification via digilocker
  • Monthly household income > 25,000rs. And the annual income > 3,00,000rs.
  • Valid bank account details

1.kamakshi Money New personal loan app

Kamakshi Money Loan is your ultimate one stop solution for all your financial needs we understand that life can throw unexpected challenges your way especially when it comes to managing your finances that’s why we’ve designed instant personal loan to be your reliable and compassionate financial partner providing you with swift and hassle free solutions during your time of need

Rupee112 New Personal Loan App

At rupee112 we prioritize your convenience and financial well-being our application features are designed with you in mind ensuring a seamless experience a swift access to the funds you need here are the highlights of our application features :

How kamakshi Money works :

>Apply Online : our user friendly online application process allows you to apply for a personal loan from the comfort of your home fill in the required details and submit the necessary documents securely through our secure application

>Quick Approval : once we receive your application our team processes it swiftly you can expect a prompt response so you can address your financial needs without unnecessary waiting

Get Funds Fast : upon approval the funds are disbursed directly to your bank account you can use the money to meet your urgent financial requirements weather it’s medical bills education expenses or any other unforseen circumstanced

>Easy Repayment : we offer flexible repayment options tailored to your financial situation choose a repayment plan that suits you best making the process of paying back the loan convenient and stress free

Important points to consider before applying for a New personal loan :

  • Loan amount : minimum 5,000 to maximum 1 lakhs
  • Repayment tenure : minimum 2 months to maximum 12 months
  • Rate of interest / annual percentage Rate : 35%
  • Processing fees : Rs. 2% of the loan amount
  • Note : GST on processing fee : 18%

Representative example Of New Loan App :

  • Loan amount : 50,000
  • APR : 35%
  • Tenure : 12 months
  • Processing fees : 1000
  • GST on Processing fees : 180
  • Amount disbursed : 48,820
  • EMI : 4,998
  • total Repayment amount : 59,978
  • total interest : 9,978

Abouts Us :

Dev – Aashish Capitals private limited is a non banking finance company registered with the reserve Bank of India Rupee112 is the brand name under which the company conducts it’s lending operations and specializes in meeting customer’s instant financial needs

Digital Lending Partners :

We are here to provide financial assistance by connecting you with reliable NBFCs/ banks ensuring you can secure personal loans without any hassle every loan application you submit is carefully reviewed and approved by RBI registered NBFCs banks and we make sure to give you all the important details about this institution upfront our digital lending partners are listed below

1.DEV AASHISH CAPITAL PRIVATE LIMITED

2. DEVMUNI LEASING & FINANCE LIMITED

3. VRINDA FINLEASE LIMITED

For more details customer support :

Website – www.rupee112.com

Customer care – + 91-91125-39112

Email – care@rupee112.com

2. Ring Personal Loan App

Ram Fincorp is an online instant personal loan app offers tension free easy and instant personal loans right at your fingertips not only do we provide you with the fastest disbursal ever possible but also low interest rates the loan will be credited to your bank account through us your trusted NBFC in arround 30 minutes

Ring New Personal Loan App

We are a RBI registered NBFC committed to offering personal credits to salaried professionals we stand for catering to your individual financing needs in an easy way by including innovation to the credit buying handle in this manner giving you a moment get to reserves in a straightforward and way.

Loan Model New Personal Loan App

Ram Fincorp Personal Loan App provides personal loans ranging from INR 5,000 to INR 2,00,000 based on your requirement

  • Loan amount : 5,000 to 2,00,000
  • Interest rate : up to 36% per annum
  • APR : 36% MAX
  • Late payment fees : as applicable
  • Processing fee : up to 5%
  • Loan tenure : 90 days to 365 days
  • Pre-closure charges – as applicable

New Sample Loan Calculation

  • Loan amount : 30,000 at interest rate of 30% p.a
  • Loan duration : 3 months
  • Total personal loan interest : 2,250
  • Processing fees + GST = 500 + 90 = 590
  • Total deductibles : 590
  • In hand amount : Loan amount – total deductibles = 30,000 – 590 = 29,410
  • Total repayable amount : 32,250
  • Monthly EMI repayable : 10,750
  • PF + GST are deducted upfront during the loan disbursals

Security & Privacy Policy

To guarantee the security of the information shared by our clients we have a highly secure

And encycrepted system to read our privacy policy click here : https://www.ramfincorp.com/conditions

Contact Information :

  • Contact number : 919899985495
  • Official mail ID : info@ramfincorp.com
  • Official website : https://ramfincorp.com/
  • Registered & corporate office address : 4338, Padam Shingh Road, Karol Bagh new Delhi – 110005

3. OLYV LOAN : New Personal Loan App

Lending plate is a personal loan mobile application that offers loans from 10,000 to 2,50,000 at attractive interest rates zero collateral and almost instantly at your convenience you can apply online from any of our approved locations and on approval you get direct transfer of your loan money within minutes to your bank account.

Lending plate new personal loan app

Lending plate is the brand name of UNIFING CAPITAL INDIA LIMITED which is Non banking finance company registered with the reserve Bank of India the company conducts lending operations in a transparent manner under the extant guidelines of the RBI.

Features of new personal loan app

  • Personal loans ranging from 10,000 to 2,50,000
  • Repayment tenure ranging from 3 months to 15 months
  • Processing fees ranging from 1% to 5% of loan amount
  • Conversion fees fees ranging from 1% to 5% of loan amount
  • Rate of interest ranging from 12% onwards depending on your risk profile
  • APR ranging from 12% to maximum 36% rates vary from customer to customer
  • Completely online paperless documentation
  • Loans available to improve your credit score
  • Apply loan from anywhere, anytime as you like no early repay charges
  • Free look period of 3 days from the date of disbursal of loan wherein you can exit the loan by paying only the principal along with proportionate interest
Loan App 1 Server Link 🔗 1
Loan App 1 Server Link 🔗 2
Loan App 2 Server Link 🔗 1
Loan App 2 Server Link 🔗 2
Loan App 3 Server Link 🔗 1
Loan App 3 Server Link 2
Loan App 4 Server Link 1
Loan App 4 Server Link 2

Representative example of personal loan app

  • Loan amount : 25,000
  • Interest rate : 36% per annum
  • Tenures : 12 months
  • Processing fees : 1,250
  • Conversion fees : 1,250
  • EMI : 2,512
  • Total Repayment amount : 30,144
  • Total interest : 5,144
  • Total cost of loan : 32,644

Security and privacy policy

Lending plate personal loan app ensures safety via standards security and privacy protocols to protect its database our app is safe and secure and we do not share customer information with third parties without consent

Queries ?

Care@lendingplate.com

+ 91- 7373737316

18 Nov, 2024 By ravita pal
3 NEW PERSONAL LOAN APP REVIEW 2025

HELLO DOSTO AAJ KE IS POST ME HAM DO AISEE NEW LOAN COMPANY KE BARE ME APKO BATAENGE JISME LOAN LENE KE LIYE APKO KOI BHI INCOME PROOF AUR CIBIL SCORE KI JARURAT NHI HAI AAP BAHUT HI AASANI SE IN APPLICATION SE PERSONAL LOAN PRAPT KAR SAKTE HAI VAH BHI 1000 SE LEKAR KE PURE KE PURE 5 LAKH RUPAY TAK KEVAL AAPKE AADHAR CARD AUR PAN CARD ME TO PURA POST ACHHE SE PADHE AUR HAMNE KUCHH TARIKE BATAYE HAI JAHA SE AAP IN APPLICATION ME LOAN APPLY KARENGE AUR POST KE NEECHE HAMNE IN APPLICATION KE LINK BHI DE RAKHE HAI JAHA SE AAP DIRECTLY LOAN APPLY BHI KAR SAKTE HAI

REQUIRED DOCUMENT

  • Aadhar card for address verification
  • pan card for CIBIL score
  • Applicants age must be more than 21 years
  • Active bank account
  • No loan default in last 3 months

ELIGIBILITY CRITERIA

  • Indian adult citizen
  • Valid pan card
  • Aadhar verification via digilocker
  • Monthly household income > 25,000rs. and the annual income > 3,00,000rs.
  • valid bank account details

No.1- Yuva Personal Loan App Review 2025

Yuva is an instant personal loan app provided by RBI registered NBFC – YUVARAJ FINANCE PRIVATE LIMITED our goal is to convey a sence of youthful energy dynamism and forward thinking

3 New Personal loan app review 2025
Yuva personal loan app

1. Details and representative cost calculation :

  • Loan amount : up to 20,000rs.
  • Repayment period : 61 – 365 days
  • Interest rate : 36% per annum
  • Fees : start at 99 rs.
  • Maximum annual percentage Rate : 97%

2. Data Protection :

  • we comply with regulation rules and industry standards being the member of face
  • your data is encrypted securely stored and can be requested to delete
  • we don’t transfer data to third parties
  • Yuva app does not ask for sensitive permission
  • For more details please visit data safety section

3. Main features of yuva instant loan app :

  • Competitive products
  • Easy to get user interface and modern design
  • Optimized process with minimum steps and information required
  • Various loan repayment options ( UPI, Card, Wallet)
  • 24/7 customer support ( email, helpline, whatsapp chat)

4. Yuva loan app provides :

  • No hidden or upfront fees
  • Only necessary documentation
  • Fast dicision
  • New to credit customers can be also considered
  • Higher loan amounts for repeat clients

5. How it works :

  • Registere with fon number
  • pick affordable loan amount and term
  • Provide data for loan application and verify KYC
  • Recieve dicision and sign loan agreement in case of positive one
  • Right away get money in your bank account

No.2 – ZYPE Instant Personal Loan App Review 2025

Get instant credit line & loan approval, then recieve funds quickly into your account with flexible repayments option & EMI, you choose what works best our instant personal loan app makes acquiring instant money loans easy and rewarding too refer ZYPE pay later loan app to your friends to earn perks while enjoying guarantees like zero hidden fees, cashback on bill payments and full compliance for your safety

Zype Instant personal Loan App

Our 2.5 million users trust us to delivery easy and quick loans

With the ZYPE instant personal loan app you can :

  • Get an instant credit line up to 5,00,000
  • Take instant loans directly from your credit line
  • Check your credit score for free
  • Make utility bill payments

Other Features Of Instant Personal Loans

Getting an instant personal loan online from the ZYPE personal loan app assist in getting quick funds

  • Get an instant money loan up to 5,00,000 with quick loan approval in 3 easy steps
  • Transfer the required quick cash loan app amount from your credit line instantly, & pay interest only on that salary loan amount
  • Loan app personal with interest rate that start at only 1.5% per month

Smart Money Insights

With smart money insights Offered By the ZYPE instant personal loan app online money management has never been this easy

Analyze your money through ZYPE new loan app 2024 spend analyser set a budget goal and track every expenses to save more money

Utility bill payments

Make online bill payments for electricity bills, gas bills, water bills, insurance premiums, post – paid mobile bills etc.

Enjoy guaranteed cashback every time you pay Bills online via the ZYPE new loan app 2024

Terms, interest rates and other charges on the ZYPE instant loan app

Get instant credit line facility from 5,000 to 5,00,000

  • Interest rates – 18% to 36% per annum
  • Tenures – 6 months to 12 months
  • Processing fees from 2% to 6%
  • Loan apps fast approval with easy EMIs
  • Interest rates varies based on your risk profile

Our Lending Partners :

Respo financial capital private limited https://Respo.co.in/our partners/

RPN Fintralease and securities Pvt Ltd https ://rpnfin.com/index.php/our partners/

Sample Calculation Of a Personal Loan :

  • Amount : 50,000
  • Tenure : 12 months
  • Rate of interest : 24% p.a.
  • Processing fee : 1,250 (2.5%)
  • GST on Processing fees : 225
  • Total interest : 6,736
  • EMI : 4,728
  • Amount disbursed : 48,525
  • Total repayment amount : 56,736

Note : all the above numbers are for representation only the final interest rate or processing fee, may vary depending on the profile assessment

Reach out to us

Email : support@getzype.com

Phone : 080-35018179

Address : ground floor, Dyna business park, street no. 1, MIDS, Andheri (East), mumbai, 400093

Data Security & Privacy : all the data that you submit to the ZYPE instant loan app is safe and secure all data transactions are protected through secure 256 – bit SSL encryption.

No.3 – Incred : your quick loan app review 2025

Incred finance, India’s one of the best loan apps, allows you to get a personal loan of up to 10 lakhs within 15 minutes directly through your mobile phone whether it is for urgent expenses unexpected bills or your dream vacation we have you covered

Incred finance loan app review 2025

Top features of incred personal loan app mobile app:

  • Check your personal loan eligibility for free
  • Track the status of your loan application
  • Online KYC process – 100% secure
  • Dedicated relationship manager to help you with the process
  • Check your Repayment schedule & pending EMIs
  • Recieve automated reminders for upcoming EMI payments

Why should you choose an Incred personal loan ?

  • Get instant loan up to 10 lakhs
  • 100% online application process
  • No collateral or guarantor needed
  • Competitive interest rates starting from 13.99% p.a
  • Repayment term : 3 to 60 months
  • Choose your required amount and tenure to manage your EMIs
  • Setup eNACH mandate for EMI deduction

Detailed example of a personal loan

Mr. Aakash recently applied for a personal loan through the Incred mobile app and was pleased to find that he had been sanctioned a loan amount of 1,00,000

Here’s a breakdown of the loan details and calculation :

  • Sanctioned loan amount : 1,00,000
  • Processing fee : 3,540
  • After deducting the processing fee, Mr. Aakash received 96,450 in his bank account

Loan Terms :

  • Annual interest rate : 21%
  • Loan tenure : 36 months
  • Monthly EMI : 3,767.5
  • Total Payment : 1,35,630
  • Total interest for 36 months : 35,630

Total cost of the loan – interest + fees = 39,170 after including the processing fee and interest over the loan tenure, the total cost of the loan amount to 1,35,630

Who can apply for an Incred personal loan ?

  • Age bracket : 21 to 55
  • Minimum in hand salary of at least 15,000
  • Salaried employees getting salary directly in bank account
  • proprietor business with ITR and GST documents with monthly income of 25,000 or more
  • Credit score of 700 + and healthy repayment history is preferred

Responsible Lending :

Incred finance is registered non banking financial company officially recognised by the reserve Bank of India with a valid certificate of registration dated September 28 2022 this regulatory approval underscores incred’s commitment to maintaining financial integrity and compliance in all its operations.

x