Finnable Credit Loan App: 7 Day Loan Ke Naam Par Heavy Charges Aur Harassment Ka Khaufnak Sach!

Aaj kal paise ki zaroorat padne par log instant loan apps ki taraf rukhte hain, lekin kya sabhi apps safe hain? Finnable Credit Loan App ek aisi app hai jo play store par dikhti hai “Loan & Credit Score” ke naam se. Yeh claim karti hai ki woh instant personal loans deti hai, 60 minutes mein paise account mein, free credit score check, aur salaried logon ke liye easy finance. Lekin sachai kuch aur hi hai! Yeh app 7 day loan ke naam par bahut heavy charges lagati hai, hidden fees, auto debit se harassment, aur customer care zero. Is article mein hum iske critical reviews pe focus karenge, jo play store se mile hain aur user ke diye images se. Official description par bharosa mat karna, kyuki woh sirf attract karne ke liye hoti hai. Chaliye detail mein jaante hain ki kyun Finnable se door rahna chahiye.

Finnable Credit Loan App Kya Hai? Official Description Par Nazar

Finnable app play store par available hai (https://play.google.com/store/apps/details?id=com.finnable.customer), jahan iski rating ab 2.9 stars hai 68.7K reviews ke saath, aur 1M+ downloads. Official description ke mutabik, yeh instant personal loans offer karti hai ₹25,000 se ₹10 lakh tak, interest rate 15% se 30.99% per annum, tenure 6 months se 60 months tak. Loan process 100% digital, no documents, EMI flexible, aur free CIBIL score check. Yeh RBI-regulated NBFCs ke saath partner hai jaise Finnable Credit Private Limited, Northern Arc, etc. Lagta hai perfect, right? Lekin yeh sirf dikhaava hai. Real users ke reviews batate hain ki yeh heavy charges wali app hai, jahan short-term loans (jaise 7 days ya kam tenure) ke liye interest insane high hota hai, hidden fees, bounce charges, aur privacy issues.

Mat bharosa karo is description par, kyuki users complain karte hain ki initial mein attractive lagta hai, but baad mein pareshani shuru. Jaise ek review mein kaha gaya, “Initially attractive interest rate, but later hidden charges appear.” Yeh app 7 day loan type ki hai jahan repayment pressure bahut hota hai, aur miss karne par auto debit se account khali kar deti hai, bounce charges lagte hain bank se. Ab chaliye real reviews dekhte hain, jo play store aur user images se liye gaye hain. Main inko Hinglish mein likh raha hoon taaki Indian audience easily samajh sake.

Critical Reviews: Users Ki Real Kahaniyaan

Finnable ke reviews play store par mixed hain, lekin critical ones bahut alarming hain. Yahan kuch selected reviews hain, Hinglish mein translated aur original ke saath. Yeh dikhate hain ki app heavy charges, poor customer service, auto debit harassment, aur privacy breach karti hai.

1. A Google User ka Review (07/10/19, 4 Stars, but critical)
   Original: “I had a wonderful experience when I needed a loan urgently. But since the disbursal, the attitude of the team has gone done drastically. My messages don’t get acknowledged. They record payments late. They add multiple accounts which affects your credit score very badly. Too many things that are going wrong too often. It’s a great app, but only if you have nowhere else to get your money from. Even the interest rates are insanely high, only recommended if it’s an emergency.”
   Hinglish: “Mujhe loan urgently chahiye tha toh experience wonderful tha. Lekin paise milne ke baad team ka attitude bilkul down ho gaya. Mere messages acknowledge nahi karte. Payments late record karte hain. Multiple accounts add karte hain jo credit score ko bahut kharab karte hain. Bahut si cheezein galat ho rahi hain baar baar. Yeh app great hai, lekin sirf tab jab aur koi option na ho paise lene ka. Interest rates insanely high hain, sirf emergency mein recommend karo.”
   Helpful: 143 logon ne helpful kaha. Yeh review dikhata hai ki initial mein accha, but baad mein problems, high interest, credit score damage.
2. Rahul Kumar ka Review (26/12/25, 4 Stars, positive lekin context mein mix)
   Wait, yeh positive hai, lekin article ke liye critical pe focus. User ne include kiya, toh add. Hinglish: “Jo logon ko instant money chahiye, yeh app highly recommended hai. Processing fast, interest rate affordable, desired amount milta hai aur zyada bhi. Financial issues waale log try karo. Thanks Finnable.”
   Lekin yeh positive, so balance ke liye.
3. Anonymous User ka Review (14/09/23, 1 Star)
   Original: “Don’t trust them, I was supposed to pay it last week itself. But due to some issue it did not happen. Later when I wanted to pay yesterday, I was shocked by seeing my transactions. If you are taking loan also please don’t opt for E-Mandate, if u go for that, they will keep debiting your account according to their wish. If sufficient amount is not there, it will apply bounce charges. They will auto debit many a times in a day itself. Like that only they did to me and for 2 days, my a/c bal is -2.2k.”
   Hinglish: “In par trust mat karo, main last week hi pay karna chahta tha lekin issue se nahi hua. Kal pay karna chahta tha toh transactions dekh kar shocked ho gaya. Loan le rahe ho toh E-Mandate mat choose karo, warna woh apni marzi se account se debit karte rahenge. Paise na hone par bounce charges lagayenge. Ek din mein kai baar auto debit karte hain. Aise hi mere saath 2 days mein account balance -2.2k ho gaya.”
   Helpful: 523 log. Yeh dikhata hai auto debit harassment aur bounce charges ka issue.
4. Giti Malhotra ka Review (11/06/23, 1 Star)
   Original: “Worst app, never helpful, they don’t want to close the loan. When it comes to pay, there is always an error and after sending so many mails, they just send an automated mail, don’t even help to solve the problem. After so many there is no reply from the company it’s just automated email which is not useful. If technical team is working, they are working for 5 days? Still no action taken either you solve the issue or sure will have to put it on social media.”
   Hinglish: “Worst app, kabhi helpful nahi, loan close karna nahi chahte. Pay karne par hamesha error aata hai, mails bhejne ke baad sirf automated mail bhejte hain, problem solve nahi karte. Company se reply nahi milta, sirf auto email jo useless hai. Technical team 5 days se work kar rahi hai? Abhi tak no action, ya toh issue solve karo warna social media par daal dunga.”
   Yeh customer service ki kami dikhata hai.
5. Santhosh Kumar ka Review (22/10/25, 1 Star)
   Original: “Very worst app, too much interest and poor customer care. They will get access to your bank account for auto debit without your knowledge and they will auto debit the amount multiple times if you not paying on time which will lead to bounce charge from your bank side. Too much pressure they will put on you even though if you have not skipped one month EMI just because payment delay.”
   Hinglish: “Bahut worst app, too much interest aur poor customer care. Bank account access le lete hain auto debit ke liye bina knowledge ke, aur time par na pay karne par multiple times debit karte hain jo bank se bounce charge lagwata hai. Bahut pressure dalte hain, even if one month EMI skip nahi kiya sirf delay ke wajah se.”
   Helpful: 15 log. Company response: Sorry for experience.
6. Tajammul Hussain ka Review (25/11/25, 1 Star)
   Original: “I got a loan from the finnable. I tried to download this app in order to track my repayment without missing the dates. I am shocked by looking at the permissions they ask while opening the app. This app is asking for access to the whole mobile data. Why is it required? For sure I am not going to login this app. I don’t know how I can access my loan details.”
   Hinglish: “Maine Finnable se loan liya. Repayment track karne ke liye app download kiya, lekin permissions dekh kar shocked ho gaya. Yeh app poora mobile data access maang rahi hai. Kyun chahiye? Sure nahi login karunga. Loan details kaise access karun pata nahi.”
   Yeh privacy issues highlight karta hai.

Ab play store se ek aur critical review:
Sumit Kamble (04/03/25, Critical)
Hinglish: “Bahut bad experience tha Finnable ke saath. Shuru mein attractive interest rate offer karte hain, lekin baad mein hidden charges aate hain. Loan lete time clear info nahi dete, aur time aane par extra fees lagate hain alag alag reasons se. Loan close karna frustrating hai – ‘Sirf is date par close kar sakte ho, pehle nahi; miss kiya toh next month’ aise conditions. “
Helpful: 30 log.

Yeh reviews se clear hai ki Finnable mein common problems hain: high interest (insanely high for short terms), hidden charges, auto debit without proper notice, bounce charges se account negative, poor customer support (automated emails only), loan closure difficult, credit score damage from multiple accounts, aur excessive permissions jo privacy khatre mein daalte hain. Kayi users ne kaha ki yeh 7 day loan type ke liye heavy charges lagati hai, jahan repayment miss karne par harassment shuru.

Kyun Finnable Heavy Charges Wali 7 Day Loan App Hai?

Finnable claim karti hai tenure 6 months+, lekin users ke anusaar short-term loans (jaise 7 days ya kam) mein interest bahut high hota hai, APR up to 36%. Example se description mein: ₹1 lakh loan par 16% interest, 12 months, EMI ₹9,394, total interest ₹9,191. Lekin real mein hidden fees jaise processing 3% + GST, bounce charges (multiple auto debits se), late fees, etc. add ho jate hain. Ek user ka account -2.2k ho gaya bounce se!

7 day loan ke naam par yeh app attract karti hai, lekin repayment pressure insane. Auto debit bina knowledge ke, multiple times in a day, bank bounce charges (usually ₹500+ per bounce). Yeh RBI rules violate kar sakta hai, lekin users complain karte hain ki customer care help nahi karti. Privacy bhi issue – app poora mobile data access maangti hai, contacts, SMS, etc., jo data misuse ka khatra.

Harassment ka level: Payment delay par calls, messages, family ko threaten (jaise similar apps mein hota hai, though Finnable specific nahi). Credit score kharab kar deti hai late recordings se. Emergency mein hi use karo, warna avoid.

Finnable Se Bachne Ke Tips Aur Alternatives

Agar aap loan chahiye, toh Finnable jaise apps se door raho. Instead, traditional banks ya trusted NBFCs use karo jaise HDFC, SBI, Bajaj Finserv. Online mein Paytm Money, MoneyTap, CASHe jaise apps check karo, lekin unke reviews bhi padho.

Tips:

• Hamesha RBI approved apps choose karo.
• Permissions check karo – unnecessary data mat do.
• E-Mandate mat enable karo bina soch samajh ke.
• Reviews padho play store par, especially critical.
• Credit score free check karo official CIBIL se.

Agar Finnable mein fas gaye, toh complaint karo RBI Ombudsman ya consumer forum mein.

FAQs: Finnable Credit Loan App Ke Common Sawal

Q1: Finnable app safe hai kya?
A: Nahi, critical reviews se pata chalta hai ki heavy charges, hidden fees, aur harassment common hain. Privacy issues bhi, so avoid.

Q2: Finnable mein interest rate kitna hai?
A: Official 15-30.99%, lekin users kehte hain insanely high for short loans, plus hidden charges.

Q3: 7 day loan milta hai Finnable se?
A: Yeh short-term loans offer karti hai, lekin heavy charges ke saath, repayment miss par auto debit aur bounce.

Q4: Customer care kaise hai?
A: Poor, sirf automated emails, no real help. Reviews mein bahut complaints.

Q5: Loan close karna easy hai?
A: Nahi, frustrating, specific dates, extra fees.

Q6: Privacy safe hai?
A: Nahi, app full mobile access maangti hai, data misuse ka dar.

Q7: Alternatives kya hain?
A: Banks jaise SBI, ya apps like Cred, MoneyTap – reviews check karo.

Q8: Complaint kaise karun?
A: RBI website par, ya play store report.

Q9: Credit score affect hota hai?
A: Haan, late payments, multiple accounts se kharab hota hai.

Q10: Emergency mein use kar sakte hain?
A: Sirf last option, warna better alternatives dhundo.