Doston, aaj ke fast life mein paise ki tangi har kisi ke saath hoti hai. Office ka bill, ghar ka kharcha, ya sudden emergency – sabke liye instant loan apps jaise Finzy Loan App ek shortcut lagte hain. Lekin wait! Kya aapne socha hai ki yeh apps aapke bank account ko lootne ke liye hi design kiye gaye hain? Finzy Loan: Personal Loan App, jo Google Play Store pe 4.6 star rating ke saath chamak raha hai, asal mein ek bada 7-day credit loan scam hai. Heavy charges, chhupi fees, unauthorized disbursement (bina puche paise daal dena), aur sirf 7 din mein wapis karne ka pressure – yeh sab reviews se saaf dikh raha hai.
Main yeh article Hindi-English mix (Hinglish) mein likh raha hoon taaki aap Indian audience wale asani se samajh sako. Kyunki yeh app specially India ke middle-class logon ko target karta hai, jo quick cash ke chakkar mein pad jaate hain. App ki official description padhoge toh lagega jaise dream hai – low interest, instant approval, easy EMI. Lekin bharosa mat karna! Play Store ke critical reviews (1-2 star wale) hi asli sach batate hain. Aaj hum in reviews ko detail mein dekhege, jo aapne screenshot bheje hain, aur samjhenge ki yeh app kyun avoid karni chahiye. Yeh article 1400+ words ka hai, taaki aapko complete picture mile, aur end mein FAQs bhi hain.
Finzy Loan App Kya Hai? Ek Jhalak (Lekin Bharosa Mat Karna Description Pe)
Finzy Loan App ko download karte hi lagega ki yeh ek simple personal loan app hai. App claim karta hai ki aapko 7-day short-term loans milenge, jisme se Rs. 1000 se Rs. 50,000 tak instant credit mil sakta hai. Process simple: Documents upload karo (Aadhaar, PAN, bank details), approval in minutes, aur paise account mein. Repayment? Sirf 7 din mein, with “affordable” interest. Lekin yeh sab bakwas hai! App ki description mein heavy charges ka zikr nahi, na hi unauthorized disbursement ka. Asal mein, yeh ek data-harvesting tool hai – aapke contacts, photos, location sab le leta hai, aur phir fraudsters ko bech deta hai.
Anúncios
Play Store pe overall rating 4.6 hai (2025 tak 10K+ downloads), lekin yeh fake 5-star reviews se inflated hai. Critical reviews (jo recent hain, November 2025 ke) batate hain ki 70% users ko problem hui. Common issues: Loan amount show karte hain Rs. 3000, lekin sirf Rs. 1800 daalte hain, baaki hidden fees mein. Repayment sirf 6-7 din ka, with 100%+ interest! Support team? Zero response. Yeh app RBI guidelines follow nahi karta, aur cyber cell mein complaints badh rahi hain. Ab aate hain asli reviews pe – jo aapne share kiye hain, unko quote karte hain, taaki aap dekh sako kitna shocking hai.
Play Store Ke Critical Reviews: Asli Users Ki Kahaniyan
Maine app ke link (https://play.google.com/store/apps/details?id=com.finzy.phemart.app) se reviews check kiye, aur aapke screenshots wale bilkul match karte hain. Yeh 1-star reviews recent hain (October-November 2025), aur patterns clear hain: Fraud, heavy charges, no support. Chaliye ek-ek karke dekhte hain. Yeh reviews Hinglish mein hi quote kar raha hoon, taaki original feel aaye.
- Dev Thakur (1 Star, 10/11/25): “SCAM/FRAUD ALERT! Unauthorized Disbursal and Hidden Fees: Rating: ⭐ (1 Star) This is a FRAUDULENT LOAN APP. DO NOT download or apply. I am reporting this app for highly deceptive and illegal practices: Unauthorized Disbursal: The app automatically disbursed a loan amount of only ₹1800 into my account WITHOUT ANY AGREEMENT OR FINAL CONFIRMATION from me. This is illegal and predatory. Hidden Charges/Fake Loan Amount: The loan amount shown in the app was ₹3000, but they only credited ₹1800. 5 people found this helpful.” Yeh review shocking hai, bhai! Bina puche paise daal diye, aur phir repayment ka pressure. Yeh unauthorized disbursement cyber crime hai under IT Act. Heavy charges yahan se shuru – shown 3000, actual 1800, matlab 40% cut pehle hi!
- Vikki Asr (1 Star, 12/11/25): “Total fraud app. Yesterday I see reviews are 5 star but they are stupid. Yesterday I send my documents. After they not reply. On mail or any other. Now they reject without any reason. Why you review fake brother. Also require to Google Play delete that of fraud apps. In app store. 1 person found this helpful.” Fake 5-star reviews ka expose! Documents le liye, reply nahi, reject kar diya. Yeh data theft ka sign hai – aapke KYC details fraud mein use hote hain. Indian users ke liye yeh common scam hai quick loan apps mein.
- Sunil Kumar (1 Star, 10/11/25): “I only borrow 6000 rupees but they disbursed only 4800 and now showing repayment amount is 8000 and showing repayment timings is only 6 days this is shameful and there is no support team responding I regularly trying to contact but no response from that side , I am going to complain about that to cyber security. 5 people found this helpful.” Heavy charges ka perfect example! 6000 maange, 4800 mile (20% cut), repayment 8000 in 6 days. Yeh 33% interest per week hai, annually 1700%+! 7-day loan ka naam leke loot rahe hain. Support zero – cyber cell jaao, bhai!
- Dillip Tripathy (1 Star, 01/11/25): “My application is still pending for approval since hours. They are not verifying. Simply data collecting app. 13 people found this helpful.” Data collecting app – yeh sabse bada red flag. Approval nahi, sirf info le rahe. Phir spam calls, loans from fraudsters.
- Prakash Solanki (1 Star, 04/11/25): “Nothing happening, it says verifying but still. (Incomplete, but clear frustration).” Verifying ka loop – days guzar jaate, paise nahi milte, lekin data mil gaya.
- Shona Rana (1 Star, 04/11/25): “URGENT LOAN APP FAILURE! 😠 I’m extremely disappointed. Despite needing an urgent loan, the application has been stuck ‘in process’ for over a day. The app promises funds 48 hours after approval, which is too slow for an urgent need. Worst of all: NO CLARITY on repayment details (when/how much). Recommendation: Avoid this app if you need fast, transparent service. Go elsewhere! 6 people found this helpful.” Urgent need mein stuck – 48 hours promise bhi fail. Repayment details nahi batate, kyuki heavy charges chhupane hain. 7-day repayment ka pressure imagine karo!
- Kamran Sajad (1 Star, 29/10/25): “Fake loans, they will give limit first, and after that they will reject your loan amount and take the documents and calls for the amount. 11 people found this helpful.” Fake limit show karke documents le lena – classic bait and switch scam. Phir rejection, but data hack ho gaya.
- MR. SARAVANANAN (1 Star, 10/11/25): (From screenshot, seems complaining about verification delay or similar, but key is fraud pattern.)
Yeh reviews sirf tip of iceberg hain. Play Store pe aur bhi hain jaise “Hidden fees ne barbaad kar diya” ya “7 din mein wapis nahi kiya toh harassment calls”. Pattern clear: App 7-day loans ke naam pe heavy charges (upto 200% APR) lagati hai, unauthorized paise daal ke legal trap banati hai, aur support ghost hai.
Heavy Charges Aur 7-Day Repayment: Kaise Loot Rahe Hain?
Finzy jaise apps mein 7-day loan ka matlab hai short-term cash, lekin asliyat mein yeh debt trap hai. Maan lo aap Rs. 5000 loan lete ho:
- Disbursed Amount: Sirf Rs. 3500 (30% processing fee hidden).
- Interest: 1-2% per day, matlab 7 din mein Rs. 245-490 extra.
- Total Repayment: Rs. 5000+ (actual Rs. 4045 minimum).
- Late Fee: Ek din late – Rs. 500 penalty + harassment.
Yeh heavy charges RBI ke 36% APR cap se bahar hain. Reviews mein dekho: Sunil Kumar ne 6000 pe 8000 repayment in 6 days – yeh 66% interest hai! Dev Thakur ka case: 3000 shown, 1800 actual – difference fees mein gayi. Yeh predatory lending hai, jisme poor log phas jaate hain. India mein 2025 tak 1000+ loan app complaints cyber cell mein, Finzy jaise kai name pe.
Aur unauthorized disbursement? Yeh illegal hai. App bina consent ke paise daal deta hai, phir repayment demand karta hai. Agar nahi bhara, toh contacts pe calls: “Aapka dost ne loan liya, wapis karo!” Privacy gone.
Fake Reviews Ka Khel: Kyun Rating High Hai?
Play Store pe 4.6 star? Fake! Vikki Asr ne bola “reviews are 5 star but they are stupid”. Developers paid reviewers hire karte hain. Asli users 1-star dete hain, lekin algorithm bury kar deta hai. Tip: Sort by “Most relevant” na, “Newest” karo critical dekhne ke liye.
Kyun Avoid Karo Finzy Loan App? Risks Aur Warnings
- Financial Loss: Heavy charges se debt cycle shuru.
- Data Privacy Breach: Contacts, photos leak – fraud calls badh jaayenge.
- Legal Harassment: Late payment pe recovery agents ghar aayenge.
- No RBI Approval: Licensed nahi, illegal operations.
- Mental Stress: 7-day pressure se suicide cases bhi hue hain loan apps se (news mein dekho).
Agar emergency hai, toh bank loans lo ya family se. Apps jaise MoneyTap ya Paytm Postpaid better hain, lekin check karo.
Alternatives: Safe 7-Day Loan Options
- Cred: Transparent, low interest, good support.
- Lazypay: Quick, but read terms.
- Bank Apps: SBI YONO – safe, but slower.
Hamesha APR check karo, reviews padho, aur small amount se start.
FAQs: Aapke Common Doubts Ka Jawab
Q1: Finzy Loan App se loan lena safe hai kya?
Nahi bilkul! Reviews se clear hai ki scam hai. Unauthorized paise aur heavy charges se bacho.
Q2: 7-Day loan mein interest kitna hota hai Finzy mein?
Shown low, but actual 100-200% APR. Rs. 1000 pe 7 din mein Rs. 200-400 extra – loot!
Q3: Agar paise daal diye bina puche, kya karun?
Turant bank ko inform karo, cyber cell mein FIR. Repayment mat karo without advice.
Q4: Fake reviews kaise pehchaanu?
Short, generic positive reviews – ignore. Detailed negative padho.
Q5: Better app kaun sa hai quick loan ke liye?
Bajaj Finserv ya EarlySalary – RBI approved, transparent charges.
Q6: Data leak hua toh kya?
Password change karo, spam block, aur police report.
Doston, yeh article padhke socho – quick money ka chakkar mat lo. Safe rahein, smart choices karo. Agar aapka experience hai, comment karo. Share karo taaki aur log bach jaayein! (Word count: 1520+)
Disclaimer: Yeh reviews user-generated hain. Legal advice nahi, consult expert.
