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।
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।
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।
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?
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!
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:
Interest Rates: Compare rates to find the most affordable option.
Loan Amount: Ensure the app meets your funding needs.
Repayment Tenure: Opt for flexibility that fits your budget.
Eligibility: Check age, income, and credit score requirements.
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!
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
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
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:
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
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./
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 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
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
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
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
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
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
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
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.
