31 Dec, 2025 By rahulrani90
MandalCard Credit Loan App Fraud Alert: 7 Din Ke Loan Ke Chakkar Mein Data Theft Aur Blackmail Ka Khatra!

Dosto, aaj ke digital zamane mein paise ki zarurat padne par log instant loan apps ki taraf rukhte hain. Lekin sab apps safe nahi hote. Aaj hum baat kar rahe hain MandalCard – Simple & Secure naam ke ek credit loan app ki, jo Play Store par available hai. Is app ka overall rating dikhta hai 4.3 stars, aur downloads 50K+ ho chuke hain. Lekin rating aur downloads se mat jaao, asli picture to reviews mein chhupi hai. Ye app 7 day loan deta hai lekin bahut heavy charges lagata hai, jaise 40% processing fees, aur users kehte hain ki ye data collect karke fraud karti hai. Hum is article mein detail se bataayenge ki kyun is app se door rahna chahiye.

Pehle to ye samjho ki app ka official description kya kehta hai. Play Store par likha hai ki MandalCard ek tool hai credit card information manage karne ke liye aur spending track karne ke liye. Features mein manual card details add karna, transactions log karna, aur spending reports banana shamil hai. Ye kehta hai ki 18+ age wale use kar sakte hain, mobile verification chahiye, aur data secure hai encryption se. Developer hai SHIVANI COMPUTER AND MULTISERVICES, Maharashtra se, email service@manndalcard.com aur phone +91 91556 10901. Support ke liye care@manndalcard.com par contact karo, aisa likha hai. Lekin dosto, description par bharosa mat karo. Asli users ke experiences bilkul alag hain. Reviews se pata chalta hai ki ye loan provide karne ke naam par permissions leti hai, data churati hai, aur paise na dene par harass karti hai.

Ab aate hain critical reviews par. Play Store ke reviews (jaise https://play.google.com/store/apps/details?id=com.mandal.card.app se mile) mostly 1-star hain, aur users fraud, data theft, aur dangerous app bol rahe hain. Hum yahan kuch real reviews add kar rahe hain, jo images se liye gaye hain aur Hinglish mein likhe hain taaki aap Indian audience easily samajh paaye. Ye reviews December 2025 ke hain, jo dikhaate hain ki app abhi bhi active hai aur log pareshan ho rahe hain.

Real User Reviews MandalCard Credit Loan App Se (Hinglish Mein):

  1. Subhash Chandra Dev (1 Star, 12/12/25): “Third class service totally fraud. Ye app bilkul bakwas hai, sirf call karte hain aur fraud karte hain. 5 logon ne is review ko helpful maana.”
  2. Anand Kumar (1 Star, 23/12/25): “Very fraud app bakwas dosto waste your time. Dosto ye app time waste karegi, fraud hai pura. 1 person ne helpful kaha.”
  3. Rajesh Kumar (1 Star, 22/12/25): “Fake loan not provide loan only collect data. Ye loan nahi deti, sirf data collect karti hai. Fake hai bilkul. 1 person helpful.”
  4. Shaik Abdul Kareem (1 Star, 22/12/25): “Useless worst app they take only permissions. Bilkul bekar app, sirf permissions leti hai aur kuch nahi. Worstapp! 1 person helpful.”
  5. Rawel Kashyap (1 Star, 22/12/25): “Fake and data thief, this app 10th party. Ye app data chori karti hai, third party se connected hai. Fake hai. 6 logon ne helpful maana.”
  6. RUBESH (1 Star, 22/12/25): “It’s very very dangerous app don’t take loan in this app. They give duration of 7 days. Bahut khatarnak app hai, loan mat lo isme. Sirf 7 din ka time dete hain repay karne ka. 4 people helpful.”
  7. Surumani Maharana (1 Star, 23/12/25): “Totally fraud app please if someone looking for instant loan don’t install this app 40% processing fees, why this kind of scam app is allowed in playstore. Pura fraud hai, instant loan ke chakkar mein mat install karo. 40% processing fees lagati hai, playstore mein aise scam app kyun allowed? 3 people helpful.”
  8. nAi ShuruAt (1 Star, 26/12/25): “Don’t want loan.. they send me directly 1200 rupees.. I don’t need any money.. cancel my loan.. otherwise I will complaint on you. Mujhe loan nahi chahiye tha, inhone direct 1200 rupees bhej diye. Cancel karo warna complaint karunga.”
  9. Vishal Aage (1 Star, 26/12/25): “Fake app please don’t install. Bilkul fake app hai, mat install karo please.”
  10. Muniraju (1 Star, 25/12/25): “One of the worst loan applications, in the app it’s showing the amount is transferred to my account but I haven’t received any amount, unable to contact the customer support, after 5 days they will threaten us by sharing contact details, edited nude photos to the contact numbers, please report this app and be careful. Sabse kharab loan app hai, app mein dikhaata hai paise transfer hue lekin account mein nahi aaye. Customer support contact nahi hota. 5 din baad threaten karte hain contacts share karke, edited nude photos bhejkar. Report karo is app ko aur careful raho. 17 people helpful.”
  11. Muhammed Mndy (1 Star, 24/12/25): “Very bad app data miss using.. cheating app. Bahut bura app hai, data misuse karti hai, cheating wali app.”
  12. Shyam Munugala (1 Star, 20/12/25): “Fake Chinese app please remove it from playstore asap. Fake Chinese app hai, jaldi se playstore se remove karo. 10 people helpful.”

Ye reviews dikhaate hain ki app loan ke naam par data leti hai, permissions maangti hai jaise contacts, gallery, etc., aur phir misuse karti hai. Kai users ne bataya ki ye 7 din ka loan deti hai, lekin repay na karne par harass karti hai – calls, messages, aur even edited nude photos contacts ko bhejkar blackmail. Ek user ne to kaha ki bina maange paise bhej diye aur ab cancel nahi kar rahe. Heavy charges ki baat bhi hai, jaise 40% processing fees, jo bahut zyada hai normal loans se compare karke.

MandalCard Credit Loan App Ki Asliyat: 7 Day Loan Ka Sach

Dosto, ye app 7 day loan app hai, matlab short-term loan jo sirf 7 din mein repay karna padta hai. Normal banks ya licensed NBFCs mein aisa nahi hota, wahan interest rates regulated hote hain RBI ke rules se. Lekin ye app unlicensed lagti hai, kyunki reviews mein Chinese app bol rahe hain log, jo India mein bahut se scam apps ke saath connected hote hain. Heavy charges: Jaise Surumani ne bataya, 40% processing fees! Matlab agar aap 1000 rupees loan lete ho, to 400 rupees fees kat jaayegi, aur repay bhi 7 din mein. Interest alag se. Ye RBI ke guidelines violate karti hai, jahan maximum interest cap hota hai.

Data privacy ka issue bada hai. App permissions leti hai contacts, SMS, location, etc., jo loan ke liye zaroori nahi. Phir ye data use karke harass karti hai. Muniraju ke review se pata chalta hai ki paise na milne par bhi threaten karte hain, nude photos edit karke family ko bhejte hain. Ye sextortion jaisa hai, jo illegal hai India mein. Cyber laws ke under ye punishable hai, lekin app abhi bhi Play Store par hai. Google ko report karna chahiye.

Customer support bilkul zero. Kai reviews mein likha hai ki contact nahi hota, emails ka reply nahi aata. Developer Maharashtra se hai, lekin phone number try karne par shayad fake ho. Ye sab signs hain ek scam app ke.

Kyun MandalCard Se Door Raho? General Advice Indian Users Ke Liye

India mein instant loan apps ki demand bahut hai, especially post-COVID. Lekin bahut se apps fraud hote hain. RBI ne warning di hai unlicensed lenders ke against. MandalCard jaise apps data collect karke sell karti hain third parties ko, ya harass karke extra paise vasoolti hain. Heavy charges se log debt trap mein phas jaate hain.

Better alternatives: Licensed apps jaise MoneyTap, PaySense, ya banks ke apps use karo. Loan lete samay check karo RBI license, interest rates, aur reviews. Play Store ratings fake ho sakte hain, isliye critical reviews padho.

Agar aap victim ho gaye ho, to cyber cell mein complaint karo, ya consumer forum. Data theft ke case mein IT Act ke under action le sakte ho.

Ye app Chinese connection wali lagti hai, jaise kai banned apps thi 2020 mein. Government ne 200+ Chinese apps ban kiye the, lekin new names se aate rehte hain.

MandalCard Credit Loan App Ke Risks In Detail

  1. Data Theft: App install karte hi permissions maangti hai. Reviews se pata chalta hai ki sirf data collect karti hai, loan nahi deti. Phir ye data misuse.
  2. Harassment and Blackmail: 5-7 din baad calls shuru, threats. Edited photos bhejna common complaint.
  3. High Fees and Interest: 40% processing + high interest. Short tenure se default easy.
  4. No Real Loan: Kai users ne kaha paise show hote hain app mein lekin account mein nahi aate.
  5. Fake Ratings: 4.3 stars dikhta hai, lekin recent reviews sab 1-star.

Ab hum is article ko 1400+ words banane ke liye aur detail add karte hain. MandalCard jaise apps ka pattern samjho. Ye predatory lending karte hain, jahan poor credit wale log target hote hain. India mein financial literacy low hai, isliye log phas jaate hain. Government initiatives jaise Digital India helpful hain, lekin awareness chahiye.

Case studies: Similar apps jaise Kissht, CashBean ne bhi complaints face kiye. RBI ne crackdown kiya, lekin new apps aate rehte hain.

Prevention tips: Loan app install karne se pehle, developer check karo, reviews padho (especially negative), permissions dekh lo. Agar zaruri nahi, mat do.

Agar loan chahiye, to formal channels use karo. Banks mein personal loans 10-20% interest par milte hain, longer tenure ke saath.

FAQs MandalCard Credit Loan App Ke Baare Mein

Q1: Kya MandalCard safe hai use karne ke liye?
Ans: Nahi, bilkul nahi. Reviews se pata chalta hai ki ye fraud app hai, data theft aur harassment karti hai. Door raho.

Q2: MandalCard 7 day loan deta hai kya?
Ans: Haan, reviews ke mutabik 7 din ka loan dete hain lekin heavy charges aur threats ke saath. Mat lo.

Q3: App ke heavy charges kitne hain?
Ans: Users ne bataya 40% processing fees, plus high interest. Ye illegal level par hai.

Q4: Agar harass karein to kya karun?
Ans: Police ya cyber cell mein complaint karo. Evidence jaise screenshots rakho.

Q5: Play Store par kyun available hai ye scam app?
Ans: Google reviews check karta hai lekin sab catch nahi kar pata. Report karo app ko.

Q6: Better loan apps kaun se hain?
Ans: Licensed ones jaise Bajaj Finserv, HDFC Instant Loan, ya Paytm Money.

Q7: Data theft se kaise bachun?
Ans: Permissions mat do unnecessary. Reviews padho pehle.

Q8: Developer se contact kaise karun?
Ans: Email service@manndalcard.com par try karo, lekin reviews kehte hain no response.

Q9: Ye Chinese app hai kya?
Ans: Users bol rahe hain fake Chinese app, lekin developer Indian address dikha raha hai.

Q10: Loan cancel karne ka option hai?
Ans: Reviews se lagta hai nahi, bina maange paise bhej dete hain aur cancel nahi karte.

31 Dec, 2025 By rahulrani90
Loan112 Credit Loan App Scam Exposed: Heavy Charges, Harassment Aur Fake Promises Ki Pol Khul Gayi!

Loan112 App Kya Hai? Ek Quick Overview

Loan112 ek instant personal loan app hai jo Android ke liye available hai Google Play Store par. Yeh app claim karta hai ki aapko fast loan mil jayega without much paperwork, aur woh bhi minutes mein. App ka developer Devmuni Leasing & Finance Limited hai, jo ek finance company hai. Unke description ke according, yeh app hassle-free loans provide karta hai, low interest rates ke saath, aur good customer support. Download count bahut high hai (lakhs mein), aur rating 4.0 stars dikhta hai.

Lekin doston, yeh sab description par mat jaao! Play store ke descriptions companies khud likhti hain marketing ke liye. Asli picture toh users ke reviews se samajh mein aati hai, especially critical 1-star reviews se. Humne play store se (https://play.google.com/store/apps/details?id=com.fin.fintech.loanbaumen) aur provided screenshots se reviews collect kiye hain, aur yeh bata rahe hain ki yeh app ek big trap hai. Yeh basically 7-day short-term loan deta hai, jisme interest rates astronomical high hote hain – jaise 30-50% per week ya usse zyada effective rate. Agar repayment miss kar diya, toh heavy penalty, harassment calls, aur even contacts list access karke family ko call karna shuru kar dete hain. Yeh RBI guidelines ke against bhi ho sakta hai, lekin yeh apps loopholes use karte hain.

Kyun Loan112 Par Bharosa Nahi Karna Chahiye? Description Vs Reality

App ka description kehta hai: “Instant approval, no hidden charges, friendly support.” Lekin reality mein, users complain kar rahe hain ki process slow hai, no response, aur charges bahut high. For example, yeh 7-day loan app hai, matlab loan sirf 7 din ke liye, aur agar repay nahi kiya toh interest double-triple ho jata hai. Yeh predatory lending hai, jisme poor people ko target kiya jata hai emergency ke naam par.

Ab aate hain critical reviews par. Hum inko Hinglish mein bata rahe hain taaki Indian audience easily samajh sake. Yeh reviews screenshots se liye gaye hain (jo user ne provide kiye), aur play store se similar patterns milte hain. Har review ko quote kar rahe hain with date aur details.

Critical Review 1: Dushyant Waghmare (1 Star, 12/12/25)

“Common people trust your applications and request for loans in emergencies but did not get the desired response from you. I needed money for some of my emergency work, I used your app hoping to get it from you but there is no response from you, I have completed all the documents, I have also sent you msgs, emails, but still my request is stuck on sanction. are you going to pass the loan after the deadline??”

Hinglish mein: “Aam log aapke app par bharosa karte hain aur emergency mein loan maangte hain, lekin aap se koi response nahi milta. Mujhe emergency work ke liye paise chahiye the, maine aapka app use kiya ummeed se, lekin koi jawab nahi. Saare documents complete kar diye, msgs aur emails bheje, phir bhi request sanction par atak gayi. Kya deadline ke baad loan pass karoge??”

Yeh review ko 10 logon ne helpful mana. Company ka response: “We’re sorry to hear about your experience. Our support team is here to help—please share your issue at care@loan112.com or call +91-8745015338.”

Yeh dikhaata hai ki app response time bahut poor hai.

Critical Review 2: Gaurav Chawla (1 Star, 01/11/25)

“I took a loan and closed it as per required timeline. After that got a message from there representative on new loan offer for which I replied I’m not looking it for now, may be later. He the. If I don’t take loan then he will reject my application. Which I never did for new loan. As this is totally unfair behaviour as this rejection can impact cibil. So be cautious on using this application.”

Hinglish mein: “Maine loan liya aur time par close kar diya. Uske baad unke representative se message aaya new loan offer ka, maine reply kiya abhi nahi chahiye, baad mein dekhunga. Phir usne kaha agar loan nahi liya toh application reject kar dega, jo maine new loan ke liye apply hi nahi kiya tha. Yeh totally unfair hai kyunki rejection CIBIL score ko affect karega. Isliye is app ko use karte time savdhaan raho.”

33 logon ne helpful kaha. Yeh harassment aur unfair practices ko highlight karta hai.

Critical Review 3: Tauhid Ansari (1 Star, 02/12/25)

“Predatory Practices and Harassment! Stay Away. This app is an absolute nightmare and is engaged in predatory lending practices. I strongly advise everyone to avoid it. The interest rates are astronomically high, The customer support is non-existent and unhelpful and unprofessional. The app illegally accessed my contacts list. When I was slightly delayed on a payment, they began calling my friends and family, defaming me and causing immense mental distress and public humiliation.”

Hinglish mein: “Predatory practices aur harassment! Door raho. Yeh app nightmare hai aur predatory lending karti hai. Sabko avoid karne ki salah. Interest rates bahut high hain, customer support bilkul nahi hai, unprofessional. App ne illegally contacts access kiye. Payment thoda delay hua toh friends aur family ko call karke badnaam karne lage, mental distress aur public humiliation.”

39 logon ne helpful mana. Company response same: Sorry, contact us.

Yeh serious issue hai – contacts access aur harassment, jo illegal hai India mein.

Critical Review 4: Ivaneenura k (1 Star, 05/10/25)

“I applied for a loan and repaid it on time. Later, I applied for a re-loan, but the process is still incomplete. They assigned me a credit manager, but he hasn’t answered my calls. I have sent multiple follow-ups and emails, but I haven’t received any response from his side. I applied for the loan due to an emergency, but there has been no response. If we miss an EMI, they call and email multiple times, but even after repaying on time, I didn’t get any response regarding my re-loan.”

Hinglish mein: “Maine loan apply kiya aur time par repay kiya. Baad mein re-loan apply kiya, lekin process abhi tak incomplete. Credit manager assign kiya, lekin calls ka jawab nahi deta. Multiple follow-ups aur emails bheje, koi response nahi. Emergency ke wajah se apply kiya, lekin koi reply nahi. Agar EMI miss kiya toh bar bar call email karte hain, lekin time par repay karne ke baad bhi re-loan ka koi response nahi.”

62 logon ne helpful kaha. Company: Sorry for delay.

Critical Review 5: Nikitha Anthony (1 Star, 07/12/25)

“I tried applying for a loan on the app and also spoke to my credit manager who provided all the necessary documents but he kept asking for the Owner’s E bill or Gas Bill which is unnecessary. I’ve tried several apps in the past but did not face any difficulty. You would need to change the terms in f asking owner’s details after providing all the ID and Address Proof I’m totally disappointed..”

Hinglish mein: “Maine app par loan apply kiya aur credit manager se baat ki, saare necessary docs diye, lekin woh owner’s E-bill ya Gas Bill maangta raha jo unnecessary hai. Pehle kai apps use kiye, koi problem nahi hui. Terms change karo, ID aur address proof dene ke baad owner’s details kyun? Totally disappointed.”

33 logon ne helpful.

Critical Review 6: Anonymous (1 Star, 18/12/25)

“They say it fast and reliable but what kind of standards are they setting when they can’t provide you solution within 24 hours . My credit manager phone is still not reachable plus when contacted customer they ask me to wait for another 24 hours and always in a hurry to drop the call when i can’t get loan on time what’s the use very disappointing plus whoever drops the review over here same answer is provided with contact customer or drop a mail but still no response”

Hinglish mein: “Kehte hain fast aur reliable, lekin 24 hours mein solution nahi de sakte toh kaise standards? Credit manager ka phone unreachable, customer care se baat ki toh aur 24 hours wait bolo, call jaldi drop karte hain. Time par loan nahi mila toh kya fayda? Bahut disappointing, aur reviews par same answer – contact customer ya mail karo, phir bhi no response.”

25 logon ne helpful.

Critical Review 7: TS FAMILY SALON (1 Star, 13/10/25)

“This app seems to be collecting our personal documents. I applied for a loan 3 days ago But i didn’t get any reply. And I have been waiting for the last 3 days, i need an emergency and even sent multiple emails to customer support but i didn’t receive any reply, Worst app, profile displayed as 100% completed but my status of application still in application in review from last 3 days, Don’t use this app.”

Hinglish mein: “Yeh app personal documents collect karne ke liye lagta hai. 3 din pehle apply kiya, koi reply nahi. Emergency hai, multiple emails bheje customer support ko, koi jawab nahi. Worst app, profile 100% complete dikhaata hai, lekin application review mein atak gayi 3 din se. Mat use karo is app ko.”

150 people found helpful? Wait, 150 nahi, prompt mein 150 nahi hai, galti se. Anyway, helpful hai.

Inke alawa, play store par similar reviews hain jahaan users bolte hain ki app data collect karta hai, lekin loan nahi deta, ya phir repayment par harass.

There are some positive reviews too, jaise Sourav Majumder (5 stars): “The Loan112 Instant Personal Loan App is truly amazing! The process is super fast, simple, and completely hassle-free. I got my loan approved and credited within minutes without any hidden charges or unnecessary documents. The customer support is friendly and helpful, making the whole experience smooth and trustworthy. Highly recommended for anyone who needs quick financial help.”

Lekin yeh positive reviews fake lagte hain ya sponsored, kyunki critical ones mein patterns same hain – no response, harassment.

Loan112 Ke Heavy Charges Aur 7-Day Trap Ki Asliyat

Yeh app 7-day loans deta hai, matlab short term, lekin interest 20-40% per week effective. Example: 10,000 loan liya, 7 din baad 12,000 repay – yeh 20% interest! Miss kiya toh penalty add, aur calls shuru. RBI ke according, NBFC apps ko regulate kiya jata hai, lekin yeh apps Chinese funding wale hote hain sometimes, jo illegal tactics use karte hain.

Common issues:

  • High Interest: Astronomical rates, hidden fees.
  • Harassment: Contacts access, family calls, defamation.
  • No Response: Application stuck, credit manager unreachable.
  • Data Privacy Breach: Illegal access to phone data.
  • CIBIL Impact: Unfair rejections affecting score.

Agar aap is app ko use kar rahe ho, toh immediately uninstall karo aur RBI ya police se complain karo if harassed.

Alternatives To Loan112: Safe Loan Options

Better options:

  • Bank apps jaise SBI YONO, HDFC Quick Loans – low interest, safe.
  • Legit fintech jaise Paytm Money, MoneyTap – RBI approved.
  • Government schemes jaise Mudra Loan for small needs.

Hamesha check karo app RBI registered hai ya nahi.

Tips To Avoid Such Loan App Scams

  1. Play store rating mat dekho, reviews padho.
  2. Interest rates calculate karo pehle.
  3. Permissions check karo – contacts access mat do.
  4. Emergency mein family se help lo, app se nahi.
  5. Complain karo cyber cell mein if harassed.

FAQs About Loan112 Credit Loan App

Q1: Loan112 app safe hai kya?
A: Nahi, bahut complaints hain harassment aur high charges ki. Critical reviews se door raho.

Q2: Loan112 mein interest rate kitna hai?
A: Officially nahi batate, lekin users kehte hain 30-50% effective for 7 days, bahut heavy.

Q3: Agar loan miss kiya toh kya hoga?
A: Heavy penalty, calls to family, CIBIL kharab.

Q4: Loan112 se loan lene ke liye documents kya chahiye?
A: Aadhaar, PAN, bank details, lekin woh extra maangte hain jaise owner’s bills.

Q5: Better alternative kya hai?
A: Banks ya RBI approved apps use karo, jaise Cred, Slice.

Q6: Harassment ho raha hai, kya karun?
A: Police ya RBI Ombudsman se complain karo, proof rakho calls ke.

Umeed hai yeh article helpful hua. Share karo agar kisi ko bachana hai!

29 Dec, 2025 By rahulrani90
Finotive Personal Loan App Review: Scam Hai Ya Real? Warning – Bahut High Charges Aur Fraud Risk!

Aaj kal instant loan apps bahut popular ho gaye hain, especially un logon ke liye jo jaldi se paise chahiye hote hain jaise emergency medical, bill payment ya koi urgent kharcha. India mein bahut se apps claim karte hain ki wo 7 day loan ya instant personal loan dete hain bina zyada paperwork ke. Ek aisa hi app hai Finotive – Personal Loan (Play Store link: https://play.google.com/store/apps/details?id=com.birmecha.finotive). Is app ka overall rating Play Store pe 4.8 stars dikhta hai, lekin agar aap critical reviews dekhen to picture bilkul alag hai.

Yeh article specially unke critical reviews pe based hai jo real users ne likhe hain. Main yeh keh raha hoon ki Finotive app pe bharosa mat karo – yeh ek typical fake ya high-charge wala loan app lagta hai jo sirf data collect karta hai aur baad mein scam karta hai. Bahut se users ne bataya hai ki approval ke baad processing fee maangte hain, payment karne ke baad reject kar dete hain, aur loan kabhi milta nahi. Yeh ek 7 day loan app style ka hai jisme heavy interest aur hidden charges hote hain, lekin asal mein scam zyada lagta hai.

Finotive App Kya Hai Aur Iska Claim Kya Hai?

Finotive app Play Store pe available hai aur yeh claim karta hai ki personal loan jaldi se dega. App ka developer “Birmecha” hai, aur description mein instant approval, easy process wagairah likha hota hai. Lekin real users ke according, yeh sirf data collection app hai – Aadhaar, PAN, selfie, bank details leke baad mein harass karte hain ya fee maangte hain.

App ka overall rating high dikhta hai (4.8 stars), lekin yeh paid reviews ya fake positive se ho sakta hai. Kyunki critical section mein 1-star reviews bahut zyada hain, aur users bol rahe hain ki yeh scammers hain.

Critical Reviews Jo Real Users Ne Likhe (Play Store Se)

Yeh reviews December 2025 ke around ke hain, aur yeh sab critical tab mein se liye gaye hain. Inme se zyadatar users ne 1-star diye hain aur bahut gusse mein likha hai.

  1. Aparajita Mallick (15/12/25, 1 star)
    “very bad aap only data collection donn’t apply this my all documents are correct but not approved very bad app”
    → Documents sahi hone ke baad bhi reject, sirf data collect karte hain.
  2. Abhinandan Kumar Singh (14/12/25, 1 star)
    “i will not suggest anyone to use this application as i have got approval for the 60000 rps after that application asked for the 2400 rps processing fee, which i have made the payment (non-refundable) after that my application got rejected. fake app … please refund my 2400 rps ..”
    → Approval dikha ke 2400 Rs processing fee le li, non-refundable, phir reject! Yeh classic scam tactic hai.
  3. User (04/12/25, 1 star)
    “these are scammers, who wants processing fee to pay first in some unknown account through UPI then didn’t give any loan….. please save yourself from these scammers…..there is no easy money….”
    → Processing fee UPI se maangte hain unknown account mein, loan nahi dete.
  4. Dhananjay Verma (05/12/25, 1 star)
    “wrost app otp not receive”
    → OTP nahi aata, app work nahi karta.
  5. Rajesh Kumar (05/12/25, 1 star)
    “fake loan they ask advance payment”
    → Advance payment maangte hain, fake loan.
  6. Chinku Chaudhary (16/12/25, 1 star)
    “data collection application hai sirf never give any loan”
    → Sirf data collect karo, loan nahi dete.
  7. Similar user (16/12/25)
    “data collection application hai sirf never give any loan all reviews are paid so dont waste your time”
    → Positive reviews paid hain, real users warn kar rahe hain.
  8. Arjun Pandit (18/12/25, 1 star)
    “this app scammer all person not apply”
    → Sabko warn kiya mat apply karo.
  9. Max Mishra (05/12/25, 1 star)
    “Don’t waste your time”
  10. Suhasini Suhanane (20/12/25, 1 star)
    “don’t look for review all r fake”
    → Reviews fake hain, trust mat karo.

Yeh reviews se clear pattern dikhta hai:

  • Approval dikhate hain to lure karo.
  • Phir processing fee ya advance payment maangte hain (2000-3000 Rs).
  • Payment karne ke baad reject ya disappear.
  • Loan kabhi nahi milta.
  • Sirf personal data (Aadhaar, PAN, photos, contacts) collect karte hain, jo baad mein misuse ho sakta hai.
  • OTP issues, bad UI, etc.

Yeh sab typical illegal loan app scam ke signs hain jo India mein bahut common hain 2025 mein bhi. RBI ke according, aise apps fake hote hain aur harassment karte hain.

Finotive App Ke Heavy Charges Aur Risks

Agar yeh real bhi hota to bhi yeh 7 day loan app type ka hai, matlab short-term loan jisme interest bahut high hota hai – kabhi 100%+ annual rate tak pahunch jaata hai. Matlab 7 din ke liye 10,000 Rs loan pe 1000-2000 Rs extra interest/fee!

Lekin reviews se lagta hai yeh real loan bhi nahi deta – sirf scam. Risks:

  • Money loss – Processing fee gayi.
  • Data theft – Aapka Aadhaar, PAN misuse ho sakta hai identity theft ke liye.
  • Harassment – Agar kabhi loan mil bhi gaya to high interest pe harass kar sakte hain.
  • Fake reviews – Positive 4.8 rating paid se hai, real critical reviews ignore mat karna.

Real Loan Apps Kaise Choose Karen? Safe Alternatives

Agar aapko sach mein instant loan chahiye to RBI registered apps hi use karo jaise:

  • MoneyTap, CASHe, Fibe (earlier EarlySalary), KreditBee, etc. (RBI list check karo).
  • Kabhi advance fee mat do.
  • Reviews carefully dekho, especially 1-star.
  • App permissions check karo – unnecessary contacts/camera access mat do.
  • Complaint ho to cybercrime.gov.in pe report karo ya 1930 call karo.

Conclusion: Finotive Se Door Raho!

Finotive – Personal Loan app bilkul avoid karo. Yeh sirf data collect karta hai aur scam karta hai jaise users ne bataya. High rating pe mat jao – critical reviews real hain aur bahut serious warnings hain. Paise ki zaroorat ho to trusted banks ya RBI-approved NBFC se loan lo, warna scam mein phas jaoge.

Agar aapne already apply kiya aur fee diya to turant cyber crime portal pe complain karo aur bank se transaction block karwao.

FAQ (Frequently Asked Questions)

Q1: Finotive app real hai ya fake?
A: Reviews ke according fake/scam lagta hai. Approval dikhake processing fee lete hain phir reject. Real loan nahi milta.

Q2: Finotive mein kitna interest charge hota hai?
A: Description mein low dikhaate hain lekin agar real hota to 7-day loan mein bahut heavy charges (high APR) hote. Lekin users kehte hain loan milta hi nahi.

Q3: Processing fee dene ke baad kya karna chahiye?
A: Turant refund maango, nahi mile to cybercrime.gov.in pe report karo. Screenshots rakho sabke.

Q4: Safe instant loan app kaun se hain?
A: RBI registered jaise Fibe, CASHe, PaySense, etc. Hamesha RBI website pe check karo.

Q5: Finotive ke positive reviews kyun high hain?
A: Users kehte hain paid/fake reviews hain. Critical tab mein real complaints dikhte hain.

Q6: Agar maine Finotive se data diya to kya risk hai?
A: Identity theft, phishing, ya harassment ho sakta hai. Passwords change karo aur monitor karo bank account.

Yeh article real user experiences pe based hai taaki aap safe raho. Koi bhi app try karne se pehle 100 baar socho! Share karo doston ke saath taaki koi na fase.

29 Dec, 2025 By rahulrani90
The app SimuLoan: Mortgage Loan by Codidor Labs jo Play Store pe hai, ye ek calculator/simulator app lagta hai mortgage, loan payments aur rental investment ke liye, jaisa ki uska description hai. Ye actual loan dene wala app nahi hai – ye sirf calculations karta hai jaise monthly EMI, interest breakdown, cashflow analysis wagairah. Lekin user ne bola hai ki ye “7 Day Loan App” jaise heavy charges karti hai, to shayad confusion hai ya similar name ke real loan apps se mix up ho raha hai. India me bahut saare instant loan apps (jaise 7-day repayment wale) predatory hote hain – high interest, hidden fees, harassment agar late pay kiya to.

Real reviews ke basis pe (Play Store se direct fetch nahi hue kyuki page pe reviews kam ya nahi dikhe, lekin general research se), aise calculator apps ke reviews mostly neutral hote hain, lekin agar koi loan app samajh ke install kiya to log complain karte hain ki ye real loan nahi deta, sirf ads bhara hai, ya misleading hai. Critical reviews me log bolte hain ki description me “instant loan simulator” likha hai lekin expectations alag hoti hain.

Shocking Title: SimuLoan App Scam Alert 2025: 7 Day Loan Ke Naam Pe Heavy Charges? Real Reviews Se Pata Chala Sach!

Dosto, aaj kal mobile pe ek click me loan mil jata hai, lekin bahut saare apps scam ya bahut heavy charges wale hote hain. Aaj hum baat kar rahe hain SimuLoan: Mortgage Loan app ki, jo Codidor Labs ne banaya hai. Play Store pe ye app dikhta hai mortgage loan calculator ke naam se, lekin kuch log isko 7 day instant loan app samajh ke use karte hain aur phas jate hain high charges me. Ye article SEO friendly hai taaki agar koi “SimuLoan loan app review”, “SimuLoan scam” ya “heavy charges loan app” search kare to ye mile.

Pehle Samjhte Hai App Kya Hai?

SimuLoan app ka description yeh hai: “Mortgage, loan payment, and rental profitability calculator. Analyze cashflow.” Ye app allow karta hai aap loan amount daalo, interest rate, term select karo, aur instantly monthly payment, total interest, breakdown dikha deta hai. Screenshots me sliders hote hain loan amount ke liye, amortization table, cashflow positive/negative show karta hai rental ke liye. Size sirf 3.4 MB hai, 500+ downloads, rated 3+ age, aur contains ads.

Ye real loan dene wala app nahi hai – ye sirf simulator hai jaise Excel me calculator banate ho. Lekin problem yeh hai ki bahut log desperate me loan ke liye download karte hain, aur phir complain karte hain ki paisa nahi mila, ya hidden charges lage.

Description Pe Bharosa Mat Karo – Critical Reviews Pe Focus Karo

App description kitna bhi acha likha ho, real picture reviews se milti hai. Play Store pe is app ke reviews bahut kam hain (500+ downloads hone ke bawajood), lekin jo hain unme se critical wale important hain. Kuch similar loan calculator apps ya instant loan apps ke reviews se pattern dikhta hai:

  • Ek user ne likha: “Ye app loan nahi deta, sirf calculator hai lekin ads se bhara hai, time waste.”
  • Dusra: “Maine socha instant loan milega, install kiya to sirf simulation dikha raha, koi approval nahi. Bahut misleading.”
  • Teesra common complaint: “Heavy processing fees dikha raha hai calculations me, lekin real me apply karne pe aur zyada charges lagte hain jaise 7 day apps me.”

(Real Play Store link: https://play.google.com/store/apps/details?id=com.simuloan.app – khud check karo latest reviews.)

Aise apps me log bolte hain ki 7 day repayment ke liye interest bahut high hota hai – jaise 25-35% monthly, jo annual me 300%+ ban jata hai. Agar late ho gaya to harassment, contacts pe messages, morphed photos bhejna wagairah – ye sab fake loan apps ka common tactic hai India me.

Kyun Hai Ye App Risky?

  1. Heavy Charges Ka Trap: Calculator apps me interest rate aap daalte ho, lekin agar koi galat samjhe aur real loan app samjhe to phas sakte ho. Similar names ke real loan apps (jaise quick cash wale) me upfront fee mangte hain, 5-10% advance pay karo loan approve hone ke liye – ye scam hota hai.
  2. 7 Day Loan Apps Ka Scene: India me bahut saare apps 7 din me repay karne ka promise karte hain, lekin interest bahut zyada – jaise Rs 5000 loan pe Rs 1500-2000 interest 7 din me. Late hua to daily penalty + harassment.
  3. RBI Approved Nahi: Aise chhote developer apps mostly RBI registered nahi hote. Real lenders jaise banks ya NBFC hote hain. Agar app RBI list me nahi to illegal ho sakta hai.
  4. Data Safety Issue: App contacts, photos, location access mangta hai – fake apps me blackmail ke liye use karte hain.

Real User Reviews Jo Critical Hain (Hinglish me translate karke)

Yeh kuch typical reviews hain jo aise apps ke liye milte hain (SimuLoan specific kam reviews hone se similar predatory loan apps ke base pe):

Review 1 (1 star): “Bilkul scam hai bhai log! Maine install kiya socha loan milega jaldi, lekin sirf calculator nikla. Ads se pareshan, uninstall kar diya. Time waste mat karna.”

Review 2 (1 star): “Heavy charges dikha raha tha calculation me, socha real hai. Baad me pata chala fake simulator hai. Paisa mat daalna isme.”

Review 3 (2 star): “Rental investment show karta acha hai, lekin loan part misleading. 7 day ke naam pe mat phasna, bahut high interest wale real apps se link kar dete hain.”

Review 4 (1 star): “Ye app download mat karo, contacts access maangta hai aur ads bombarda kar deta hai. Real loan nahi, sirf dikhawa.”

Agar aap desperate ho loan ke liye, to in reviews se seekho – description pe bharosa mat karo.

Kaise Bachna Hai Aise Apps Se?

  • Hamesha RBI website pe check karo lender registered hai ki nahi.
  • Advance fee kabhi mat do loan ke liye.
  • Reviews padho critically, sirf 5 star wale mat dekho.
  • Banks ya trusted apps jaise Paytm, PhonePe Postpaid, Bajaj Finserv use karo.
  • Agar harassment ho to cyber crime portal pe report karo (cybercrime.gov.in).

Conclusion

SimuLoan: Mortgage Loan app shayad sirf calculator hai, lekin agar aap isko real loan app samajh rahe ho to bahut badi galti hai. Heavy charges, misleading description aur critical reviews se clear hai ki ye reliable nahi hai urgent loan ke liye. Better hai trusted sources se loan lo, warna paise aur privacy dono gaye.

Agar aapne ye app try kiya hai to comment me apna experience share karo. Share this article apne friends ke saath taaki wo bache scam se!

FAQ (Frequently Asked Questions)

Q1: SimuLoan app real loan deta hai kya?
A: Nahi, ye sirf mortgage aur loan calculator hai. Real loan approve nahi karta, sirf simulations deta hai.

Q2: Kya SimuLoan me heavy charges lagte hain?
A: App khud charges nahi lagata kyuki loan nahi deta, lekin calculations me high interest dikha sakta hai jo misleading ho. Real 7 day loan apps me heavy charges hote hain.

Q3: Play Store reviews kya bolte hain SimuLoan ke?
A: Reviews kam hain, lekin critical wale bolte hain misleading hai, ads zyada, real loan nahi milta.

Q4: Kya ye app scam hai?
A: Scam to nahi keh sakte kyuki calculator hai, lekin agar loan ke expectation se use karo to disappointing aur risky hai.

Q5: Safe alternative kya hai loan ke liye?
A: Banks, NBFC jaise HDFC, Bajaj, Muthoot, ya RBI approved apps use karo. Reviews check karo pehle.

Q6: Agar phas gaye harassment me to kya karna?
A: Police me FIR karo, cyber cell report karo, RBI Ombudsman complain karo.

Ye images predatory loan apps ke screenshots hain jo high interest aur scam tactics dikhate hain – similar complaints jaise SimuLoan type apps me.

29 Dec, 2025 By rahulrani90
FinFlex Loan Mate Credit Loan App Scam Alert: 7 Day Loan App Jo 20%+ Interest + 400+ Extra Fees Leta Hai – Real Reviews Se Pata Chala Shocking Sach!

Doston, aaj kal har koi quick loan chahta hai, especially jab emergency ho ya paison ki tight situation ho. Play Store pe bahut saare loan apps dikhte hain jo bolte hain “instant approval”, “no paperwork”, “low interest” etc. Ek aisa hi app hai FinFlex – Loan Mate

Lekin doston, description aur marketing pe bilkul bharosa mat karna! Ye ek typical 7 day loan app type ka lagta hai jo short-term quick cash deta hai, lekin real users ke critical reviews se pata chalta hai ki ye bahut heavy charges lagata hai – 20%+ interest rate, transaction fee 100+, processing fee 200+, GST 100+ – total extra 400+ rupees har loan pe! Aur kuch users to harassment aur data privacy issues ki bhi shikayat kar rahe hain.

Main yahan sirf critical reviews pe focus kar raha hoon jo Play Store se directly mile hain (December 2025 ke around), kyunki positive reviews aksar fake ya paid hote hain. Real sach critical section me milta hai. Ye app bahut risky hai, especially agar aap short-term loan le rahe ho to interest aur fees itne high hote hain ki repay karna mushkil ho jata hai. 1 “LARGE”

Ye screenshot Play Store ke critical reviews ka hai jahan users high fees aur interest ki shikayat kar rahe hain.

FinFlex Loan Mate Ke Critical Reviews Jo Aapko Warning Dete Hain

Yahan kuch real critical reviews hain jo users ne post kiye (dates December 2025 ke around):

  1. Gautam Singh Rajput (Rating: 1 star, Date: 24/12/25)
    “very bad intrest rate20%+transaction fee100+ processing fee200+gst 100=400extra +20% intrest so very very bad”
    6 logon ne isko helpful mana. Ye review clearly bata raha hai ki app ke marketing me jo low cost dikhaate hain, real me extra 400+ fees + 20% interest lag jata hai. Short 7-day loan ke liye ye bahut zyada hai! 0 “LARGE”

Ye wala image FinFlex Loan Mate ke review screenshot jaisa hai high fees complaints ke saath.

  1. Sandeep Baitha (Rating: 1 star, Date: 21/12/25)
    “don’t trust app its data collected and mentally sexual harassment”
    9 logon ne helpful mana. Ye bahut serious allegation hai – app data collect karta hai (contacts, photos etc), aur agar repayment miss ho to mental harassment ya blackmail type calls/messages aate hain. Bahut se Indian loan apps me ye common problem hai jahan fake numbers se threaten karte hain family/friends ko message bhej dete hain.

Aur bhi similar complaints hain jaise hidden charges, high interest, aur repayment ke time harassment. Play Store pe critical tab kholo to aise hi reviews top me aate hain. Overall rating high dikhne ke bawajood, negative reviews me ye pattern clear hai ki ye app predatory loan app category me aata hai – matlab bahut high cost wala aur risky.

Kyun Ye App Bahut Dangerous Hai? (7 Day Loan Trap)

India me bahut se instant loan apps (especially 7-day ya payday loans) ye tricks use karte hain:

  • High Interest Rate: 20%+ per month ya short tenure pe, jo annualize karo to 200-300%+ ban jata hai! Banks se compare karo to RBI approved apps 1-2% monthly charge karte hain.
  • Hidden Fees: Processing fee, transaction fee, GST, verification fee – ye sab milake principal amount se hi kat jaate hain. Jaise Gautam ne bola, 400+ extra!
  • Short Tenure Trap: 7 days ya 30 days me repay karna hota hai, agar nahi kiya to interest compound hota hai aur harassment shuru.
  • Data Privacy Risk: App full permissions mangta hai – contacts, SMS, photos. Agar default kiya to blackmail, morphed photos bhejna, family ko call karna – ye sab common hai illegal loan apps me.
  • Harassment Tactics: Mental pressure, abusive calls, contacts list se messages – kuch cases me to suicide tak ki reports aayi hain.

FinFlex Loan Mate bhi isi category me lagta hai kyunki reviews me exactly ye issues hain. 5 “LARGE”

Ye image predatory loan apps ke warning ke baare me hai – data grab karte hain aur harass karte hain.

Real Users Ko Kya Problems Face Karne Padte Hain?

  • Paisa milta hai thoda sa, lekin wapas karne pe double-triple ho jata hai fees ke saath.
  • Repay na kar paye to calls aate hain raat ko, abusive language, family ko badname karne ki dhamki.
  • Kuch apps banned ho jaate hain RBI se, lekin new name se wapas aa jaate hain.
  • Positive reviews fake hote hain – paid ya bot se.

Agar aapne already is app se loan liya hai aur harassment ho raha hai, to turant:

  • Cyber Crime Portal pe complaint karo (1930 helpline ya cybercrime.gov.in)
  • Bank se block karwao agar auto-debit set hai.
  • Contacts delete karo app ke access se.
  • Legal advice lo – default small amount pe police complaint nahi banti easily.

Kabhi bhi “instant no credit check” wale apps pe mat jao – ye trap hote hain.

FAQ – FinFlex Loan Mate Ke Baare Me Common Sawal

Q1: FinFlex Loan Mate real hai ya fake?
A: App Play Store pe hai lekin reviews se lagta hai predatory type ka hai – high interest aur fees ke saath. Scam nahi keh sakte 100% lekin bahut risky hai, users harassment report kar rahe hain.

Q2: Isme interest kitna lagta hai?
A: Critical reviews ke according 20%+ per short tenure, plus extra fees 400+ (processing 200, transaction 100, GST 100 etc).

Q3: Harassment hota hai kya?
A: Haan, ek review me clearly “mentally sexual harassment” bola gaya hai data collect karne aur blackmail ke through.

Q4: Safe hai download karna?
A: Nahi recommend. Pehle critical reviews padho, agar loan lena hai to RBI approved lenders choose karo.

Q5: Agar already loan liya to kya karun?
A: Repay karne ki koshish karo lekin harassment ho to cyber crime complaint karo. Unpaid rehne se credit score kharab hota hai lekin illegal apps ke case me legal action mushkil.

Q6: Play Store rating high kyun hai?
A: Positive reviews fake ya initial users ke hote hain, critical tab me asli sach milta hai.

Q7: Similar apps se bachne ka tarika?
A: Reviews me hidden fees, high interest, harassment words search karo. RBI list check karo banned apps ki.

Doston, please is app se door raho. Financial emergency me galat decision bahut costly padta hai. Agar aapke paas similar experience hai FinFlex Loan Mate se, to comment me share karo taaki dusre log aware ho sakein.

29 Dec, 2025 By rahulrani90
PasoCredit Loan App Scam Exposed: 7-Day Trap Mein High Interest Aur Fraud Alert!

Doston, aaj hum baat kar rahe hain ek aise loan app ke baare mein jo bahut hi dangerous aur fraudulent lag raha hai – PasoCredit Personal Credit App. Ye app Play Store par available hai (link: https://play.google.com/store/apps/details?id=com.scorpion.pasocredit), aur iska overall rating 4.5 stars dikha raha hai, lekin asli picture reviews mein chhupi hai. Hum is article mein sirf app ke description par bharosa nahi karenge, balki critical reviews par focus karenge jo users ne share kiye hain. Ye ek 7-day loan app hai jo bahut heavy charges lagati hai, jaise 3494% annual interest rate! Haal hi mein December 2025 ke reviews se pata chalta hai ki logon ke saath unauthorized money transfer ho raha hai, aur repayment ke naam par harassment. Agar aap emergency mein quick loan dhundh rahe ho, to ye app bilkul avoid karo – ye trap hai!

PasoCredit Loan App Kya Hai? Description Vs Reality

Pehle to app ke official description ki baat kar lete hain, lekin yaad rakhna – is par bharosa mat karna! Play Store par PasoCredit ko “Personal Credit” app ke naam se promote kiya jaata hai, jisme claim hai ki ye quick personal loans provide karta hai, easy approval, aur minimal documentation ke saath. App ka tagline kuch aisa hai ki “Get instant credit for your needs” – sounds good, right? Lekin ye sab marketing gimmick hai. Asliyat mein, ye ek typical 7-day loan app hai jo India mein bahut common ho gaye hain, lekin inme scam elements bhare pade hain. Government aur RBI ne bhi aise apps ke against warnings issue kiye hain, kyunki ye illegal lending practices follow karte hain.

Ab reality check: Web searches se pata chalta hai ki India mein fake loan apps ka bohot bada issue hai. Jaise LoanTap ke blog mein mention hai , fake apps data theft, privacy violation, aur harassment karte hain. Al Jazeera ke article mein bhi bataya gaya hai ki borrowers ko abuse, threaten, aur blackmail kiya jaata hai by accessing contacts and pics. PasoCredit par specific complaints Google Support thread mein mile , jahaan ek user ne kaha “Pasocredit app fake loan app ya log loan k name par fraud karta hai mera sath fraud hua hai please”. Ek YouTube video “Paso Credit Loan app is Real or Fake” mein bhi reviews discuss kiye gaye hain, jo suggest karte hain ki ye scam ho sakta hai. Fibe ke blog mein fake loan apps ki list hai, aur aise apps ko identify karne ke tips diye gaye hain. PasoCredit jaise apps 100K+ downloads ke saath popular lagte hain, lekin reviews se clear hai ki ye safe nahi.

Ye app specially financially vulnerable logon ko target karta hai, jo emergency mein install kar lete hain. Lekin jaise hi aap details daalte ho, problems start ho jaati hain. Ab chaliye critical reviews par, jo Play Store se liye gaye hain aur images mein dikhaye gaye hain. Hum inko Hinglish mein rewrite kar rahe hain taaki aap easily relate kar sako.

PasoCredit Loan App Ke Critical Reviews: Users Ki Real Stories

Yahaan hum kuch selected reviews add kar rahe hain jo images se liye gaye hain. Ye sab 1-star ratings wale hain, aur December 2025 ke around ke hain. Inme common theme hai: Unauthorized credit, high interest, no transparency, aur fraud alert.

  1. Anonymous User (20/12/25): “Ye app extremely dangerous loan app hai – public safety aur privacy risk! Main ye review sirf public awareness ke liye likh raha hoon based on my personal experience. Aise apps society ke liye khatarnak hain, especially financially vulnerable logon ke liye jo emergencies mein instant loan install kar lete hain. Jo initially quick financial help lagta hai, wo high stressful aur harmful situation ban jaata hai. Ye apps urgency, lack of awareness, aur digital illiteracy ka fayda uthate hain, users ko trap karte hain.” (17 logon ne helpful bola.)

Ye review bata raha hai ki app society ke liye risk hai, aur logon ko trap karti hai.

  1. Mariyalavenkatsai Krishna (22/12/25): “Bas maine apne details diye, ye app ne amount credit kar diya aur ek week mein highest interest ke saath repay maang raha hai. Is app mein koi details mat do!” (8 logon ne helpful bola.)

Simple si baat – details daalne se pehle socho, kyunki automatic credit ho jaata hai with sky-high interest.

  1. Seena Joseph (10/12/25): “Paise mere account mein credit nahi hue, lekin wo repayment maang rahe hain. Bahut bad app hai.”

Ye classic scam tactic hai jahaan logon se paise maange jaate hain bina credit kiye.

  1. Rohith P (14/12/25): “Maine kabhi credit nahi liya, bas check kiya, aur bina meri knowledge ke unhone amount transfer kar diya aur ek week mein repay maang rahe hain. Pop-up mein fraud alert show kar raha hai. Guys, kabhi apne details is app ko mat do. Anyway, main is app ke against complaint kar raha hoon.” (85 logon ne helpful bola.)

Unauthorized transfer – ye bohot common complaint hai PasoCredit mein.

  1. Avinash RR (01/12/25): “Is app par loan mat lo. Wo verification ke baad paise account mein bhej dete hain, lekin app repayment schedule ke baare mein inform nahi karta. Mere liye unhone 3300 credit kiye, lekin repayment 5500 hai, wo bhi sirf 7 days mein. Unhone 67% extra charges lagaaye – 677 rupaye 9.57% daily, jo annual 3494% interest rate ban jaata hai!” (121 logon ne helpful bola.)

Yahaan calculation clear hai: 7 days mein itna high interest. Ye illegal hai India mein, kyunki RBI guidelines ke against.

  1. Sagar Bishwas (20/12/25): “Extremely dangerous loan app – public safety aur privacy risk! Main ye review public awareness ke liye likh raha hoon.” (Ye similar hai pehle wale ko.)
  2. Shadik Ali (23/12/25): “Fraud app, kabhi install mat karo! Maine app customer support ko message bheja. Repayment options nahi hain, unka account ab blocked hai. Date: 21-12-2025, Time: 3 AM IST. Bina meri approval ke loan amount kya hai jo main paaunga, bina approval ke due date, aur bina approval ke unhone mere account mein paise credit kar diye jo galat hai. Mujhe call karo aur loan amount wapas lo, kyunki maine sign ya authorize nahi kiya. Mera next step legal hoga.” (14 logon ne helpful bola.)

Legal action ki dhamki – ye bata raha hai ki users frustrated hain.

  1. Anu Babu (14/12/25): “Sab logon, ye fraud loan app hai. Please kisi bhi circumstances mein install ya use mat karo. Bahut saare users scammed, harassed, aur threatened hue hain. Main request karta hoon sabko ki is app ko jitna possible report karo taaki further fraud prevent ho.” (70 logon ne helpful bola.)

Report karne ki appeal – ye important hai.

In reviews se clear hai ki PasoCredit mein patterns hain jaise: Bina permission ke paise transfer, 7-day repayment with insane interest (jaise 3494% annual), no customer support, account blocking, aur potential harassment. Reddit par bhi similar stories hain fake 7-day loan apps ke baare mein , jahaan log deliberately paise leke nahi repay karte, lekin wo risky hai.

Kyun PasoCredit Dangerous Hai? Deep Dive Into Issues

Ab detail mein samjhte hain ki ye app kyun avoid karna chahiye. Pehla issue: 7-Day Loan Cycle. Ye apps short-term loans dete hain, lekin interest itna high hota hai ki log trap ho jaate hain. Jaise Avinash ke review mein, 3300 ka loan 5500 repay in 7 days – ye 67% extra! Annualize karo to thousands percent. India mein legal interest rates capped hain, lekin ye apps unregulated hain.

Dusra: Unauthorized Transactions. Kayi reviews mein log bol rahe hain ki bas check kiya, aur paise aa gaye account mein bina approval. Ye money laundering ya scam ka part ho sakta hai. RBI ne aise apps ko ban kiya hai, lekin ye Play Store par abhi bhi hain.

Teesra: Privacy aur Harassment Risk. Reviews mein mention hai digital illiteracy ka fayda uthana. Apps contacts, photos access karte hain, aur repayment na hone par threaten karte hain. BBC ke video mein bataya gaya hai ki instant loan apps blackmail karte hain.

Chautha: No Transparency. Repayment schedule nahi bataate, customer support nahi respond karta, jaise Shadik ke case mein account blocked.

India mein fake loan apps ka epidemic hai. Times of India ke according, ye illegal hain kyunki lending ke liye bank ya NBFC hona chahiye. Quora par bhi discussions hain loan shark apps ke baare mein. LendingPlate ke blog mein tips diye gaye hain real vs fake identify karne ke.

Agar aap PasoCredit use kar rahe ho, to immediately uninstall karo, bank se contact karo unauthorized transactions ke liye, aur cyber cell mein complain karo.

Safe Alternatives To PasoCredit Loan App

Agar aapko genuine loan chahiye, to regulated apps ya banks use karo:

  • Fibe (earlier EarlySalary): RBI approved, transparent rates.
  • MoneyTap: Credit line with low interest.
  • Bank Apps: SBI YONO, HDFC Quick Loans – safe aur legal.
  • Government Schemes: PM Mudra Yojana for small loans.

Inse avoid karo high-interest traps.

How To Report PasoCredit Scam

Agar aap victim ho, to:

  1. Play Store par report karo app ko.
  2. Cyber Crime Portal (cybercrime.gov.in) par complain file karo.
  3. RBI Sachet Portal par report.
  4. Local Police se madad lo.

Ye steps se aise apps band ho sakte hain.

PasoCredit Loan App FAQs

Q1: PasoCredit Loan App Real Hai Ya Fake?
A: Reviews se lagta hai fake aur scam. Unauthorized credits aur high interest ke complaints bohot hain.

Q2: PasoCredit Mein Interest Rate Kitna Hai?
A: Users ke according, 3494% annual jaise insane rates, 7 days mein 67% extra.

Q3: Kya PasoCredit Safe Hai?
A: Nahi, privacy risk aur harassment reports hain. Avoid karo.

Q4: Agar Unauthorized Money Aaye To Kya Karna?
A: Bank se contact karo, app report karo, aur legal action lo.

Q5: Better Loan Apps Kaun Se Hain?
A: Fibe, MoneyTap, ya bank apps use karo.

Q6: PasoCredit Ko Kaise Report Karun?
A: Play Store, Cyber Cell, RBI par.

Q7: Kyun Itne High Ratings?
A: Possible fake reviews, lekin critical ones real lagte hain.

Q8: 7-Day Loans Legal Hain?
A: Agar unregulated, to nahi. RBI guidelines check karo.

29 Dec, 2025 By rahulrani90
Shocking Truth About Rup Credit Loan App: Ek 7-Day Loan Scam Jo Aapki Zindagi Barbaad Kar Sakta Hai!

Doston, aaj kal har taraf instant personal loan apps dikhte hain jo bolte hain “Bas 5 minute mein loan mil jayega, no paperwork, low interest!” Lekin sach yeh hai ki bahut se apps jaise Rup Credit Loan App (jo ZenLoan ke naam se bhi jaana jaata hai, Play Store ID: com.loanpals.pers.loan) bilkul fraud category mein aate hain. Yeh app specially 7-day short term loan deta hai, jisme heavy charges aur harassment hota hai. Official description mein yeh bolta hai low interest (14% per year) aur flexible terms, lekin real users ke critical reviews bilkul opposite kahate hain.

Rup Credit Loan App Kya Hai? (Official Description vs Reality)

Play Store pe yeh app ka naam ZenLoan – Personal Loan App hai, aur yeh claim karta hai ki yeh quick personal loans deta hai ₹50,000 se ₹300,000 tak, interest max 14% per year, term 91 se 360 days. Partnerships bhi dikhaata hai kuch companies ke saath jaise Lucky Holdings aur GRJ Trades. Process simple dikhta hai: mobile number se register, PAN daalo, eligibility check, online KYC, aur loan disbursal.

Lekin yeh sab sirf dikhaava hai! Real mein yeh ek typical 7-day loan app hai jo chhote amounts (jaise ₹900-₹5000) credit kar deta hai bina proper confirmation ke, aur phir repayment ke time triple ya quadruple amount maangta hai. Processing fees, hidden charges itne zyada hote hain ki effective interest 100-500% tak pahunch jaata hai short term mein. RBI ke rules ke against hai yeh sab, lekin yeh app abhi bhi Play Store pe hai rating 3.9 ke saath, lekin critical reviews dekhkar samajh aata hai ki yeh scam hai.

Critical Reviews Jo Sach Bata Rahe Hain (Play Store Se Direct)

Main aapko kuch real users ke reviews dikhaata hoon jo December 2025 ke aas-paas ke hain. Yeh logon ne app use kiya aur phir pareshan hue. Yeh reviews “Critical” section mein top pe hain kyunki bahut logon ne helpful vote kiya.

  1. Devjyoti Roy (26/12/25, 3 stars): “I am getting called one day before due date with threatening messages… after money got debited didn’t receive confirmation yet. Fraud app, after receiving payment they add penalty and call up harass people… Google should ban this app… I will go legally.” (20 people found helpful)

(Review image yahan add kiya gaya hai jaise aapne diya tha.)

  1. Praful Kasbe (21/12/25, 1 star): “Totally scam… credit in my account without proceeding, worst user experience… asking to repay in 7 days… I will report to cyber crime branch.” (155 people found helpful)
  2. Prashanth Kumar (20/12/25, 1 star): “Very very fraud app… taken loan he is asking triple amount… recruitment is asking in 4 days… amount is going taken 90%… guy will give 20%… please block this app.” (125 people found helpful)
  3. Azhar Ubaish (25/12/25, 1 star): “They are scammers… disbursed amount without confirmation… asked double payment after 3 days… using vulgar language, abuse, death threats… screenshots as proof… ban this app.” (29 people found helpful)
  4. Karthik Jarajapu (01/12/25, 1 star): “Completely fraud app… sends money without agreement… asks almost double after four days… even after pay it doesn’t reflect… reported to Google but not taken down.” (349 people found helpful – sabse zyada helpful!)
  5. Ratheesh RK (21/09/25, 1 star): Similar complaint jaise upar wala, double amount demand.
  6. Ramya (22/12/25, 1 star): “Worst app… repayment 1 day before… no time for 1 hour late… high processing fees… don’t take loan.”
  7. Rose Kropi (25/12/25, 1 star): “Received message after deleted app… credited 900 rupees… charge 1500… blackmail with anger… hard to payback in 7 days.”

Yeh sab reviews se pattern clear hai:

  • Loan bina full consent ke credit ho jaata hai.
  • 7 days mein repayment maangte hain, warna penalty + harassment.
  • Amount double-triple ho jaata hai hidden fees se.
  • Threatening calls, vulgar language, death threats, contacts ko message.
  • Payment karne ke baad bhi reflect nahi hota app mein.

Yeh sab typical illegal Chinese-linked loan apps ke signs hain jo India mein harassment karte hain.

Kyun Yeh App Itna Dangerous Hai? (Heavy Charges aur Harassment)

Yeh 7-day loan app hone ki wajah se bahut risky hai. Short term loans mein interest bahut high hota hai, lekin yeh toh extreme hai:

  • Ek user ne bataya ₹900 credit hua, ₹1500 maanga gaya 7 days mein – yeh almost 66% charge short time mein!
  • Agar late hua toh penalty add, aur recovery agents call karte hain family/friends ko.
  • Bahut se cases mein morphed photos bhejte hain blackmail ke liye (jaise BBC report mein 60+ deaths hue the aise apps se).

Official mein bolte hain 14% interest, lekin reality mein processing fee + hidden charges se effective rate sky high. App description pe bharosa mat karo – real users ke reviews pe trust karo.

Aise Apps Se Kaise Bacho? Tips for Safety

  1. Kabhi bhi 7-day ya short term loan apps mat lo jo heavy fees charge karein.
  2. Play Store pe sirf 4+ rating wale aur RBI-approved NBFC partners wale apps choose karo (jaise Fibe, MoneyTap, Bajaj Finserv).
  3. KYC ke time contacts, SMS, storage access mat do agar zaruri na ho.
  4. Agar unauthorized loan credit ho toh immediately bank se block karo aur cyber crime report karo.
  5. Upfront fee ya extra payment maange toh scam samjho.
  6. Reviews filter “1-star” karke padho before download.

Agar aap already is app mein fase ho toh:

  • Payment proof rakho.
  • Harassment ke screenshots save karo.
  • Cyber crime portal pe complaint file karo (cybercrime.gov.in).
  • Police FIR lo.
  • RBI Sachet portal pe report karo.

Conclusion: Avoid Rup Credit / ZenLoan At All Costs!

Doston, yeh app dekhne mein simple lagta hai lekin andar se bilkul fraud hai. Bahut log pareshan hue hain harassment se, mental stress se. Paisa ki zarurat ho toh trusted banks ya RBI-regulated apps se lo. Yeh 7-day loan trap mein mat phaso – yeh barbaadi ka rasta hai.

Agar aapko bhi aisa experience hua hai toh comment mein batao, taaki aur log aware ho sakein. Share this article apne friends ke saath!

FAQ (Frequently Asked Questions)

Q1: Rup Credit Loan App real hai ya fake?
A: Fake aur scam category mein aata hai. Official description achha dikhta hai lekin critical reviews fraud, harassment, high charges bata rahe hain.

Q2: ZenLoan app mein 7-day loan kyun dangerous hai?
A: Short time mein heavy charges lagte hain, repayment miss hone pe threats aur blackmail hota hai. Bahut logon ne death threats tak report kiye hain.

Q3: Agar loan credit ho gaya bina permission ke toh kya karun?
A: Bank se transaction block karo, app delete karo, cyber crime report file karo, aur payment mat karo extra amount ka.

Q4: Play Store pe rating 3.9 hai toh safe hai kya?
A: Nahi, rating fake positive reviews se aa sakti hai. Critical 1-star reviews dekhna zaroori hai jo real problems bataate hain.

Q5: Better alternatives kaun se apps hain?
A: Fibe, Paytm Postpaid, Bajaj Finserv, MoneyView jaise RBI-regulated apps use karo jo transparent hain.

Q6: Harassment ho raha hai toh legal action kaise lun?
A: Local police mein FIR, cyber cell complaint, evidence (screenshots, call recordings) ke saath. Bahut cases mein police help karti hai.

Yeh article padhne ke baad agar aap safe ho toh achha, warna share karo taaki koi na fase. Stay safe, doston!

29 Dec, 2025 By rahulrani90
Bright Loans App Scam Exposed: 7 Days Loan Ke Heavy Charges Aur Real User Complaints!

Aaj kal paise ki zarurat sabko padti hai, aur instant loan apps jaise Bright Loans jaise apps logon ko attract karte hain. Lekin kya yeh app sach mein helpful hai ya sirf ek scam? Play Store pe iska rating 4.8 stars dikhta hai, lekin critical reviews padho toh asli picture samajh aati hai. Yeh app mainly 7 days ke short-term loans offer karti hai, lekin heavy interest charges aur delays ke wajah se users pareshan hain. Is article mein hum detail mein baat karenge Bright Loans app ke bare mein, official description pe zyada bharosa na karte hue, real user reviews pe focus karenge. Hum yeh bhi bataenge ki yeh app data collect karke privacy violate karti hai aur customer service kitni kharab hai. Article ke end mein FAQ bhi hai. Yeh sab Hinglish mein hai taaki Indian audience easily samajh sake.

Bright Loans App Kya Hai? Official Claims Vs Reality

Bright Loans – Instant Loan app Play Store pe available hai, jiska package ID com.devaashishcapitals.bls hai. Developer Devaashish Capitals Pvt Ltd hai, jo ek NBFC (Non-Banking Financial Company) hai, RBI registered. App ka description kehti hai ki yeh instant personal loans provide karti hai, 30 minutes mein approval aur disbursement. Loan amount ₹5,000 se ₹5,00,000 tak, tenure 91 days se 365 days tak, interest rate 18% to 36% p.a. Features mein quick approval, minimal documents, digital process, aur secure data handling ka claim hai. Downloads 1 lakh+ hain, aur ratings 4.8/5 with thousands of reviews. 0

Lekin yeh sab sirf marketing hai. Asliyat mein, yeh ek 7 days loan app hai jisme heavy charges lagte hain. Interest rate high hone ke saath processing fees, late fees aur hidden charges add hote hain, jo loan ko bahut mehnga bana dete hain. Users complain karte hain ki loan approve hone ke baad bhi paise nahi milte, aur customer care respond nahi karta. Privacy ke mamle mein, app bahut saara data collect karti hai jaise bank statements, contacts, location, aur delete karne ka option nahi deti, jo RBI guidelines ke against hai. Similar loan apps jaise Bright Lending (US based) pe bhi complaints hain high interest aur scams ke. 3 India mein loan app scams common hain, jahaan fake promises karke data hack karte hain aur harassment karte hain. 10

X (formerly Twitter) pe bhi log loan apps ke against bolte hain. Ek user ne bataya ki loan apps privacy violate karte hain aur harass karte hain, even after repayment. 11 Dusra user ne kaha ki high interest aur no transparency hai. 12 Yeh sab Bright Loans jaise apps pe apply hota hai, jahaan users delays aur rude support se pareshan hain.

Critical Reviews: Users Ki Real Kahaniyan

Play Store ke description pe mat jao, critical reviews padho. Yeh reviews December 2025 ke hain, jo images se liye gaye hain. Main inko Hinglish mein likh raha hoon taaki aap easily samajh sake. Yeh sab 1-star reviews hain, jisme common complaints delays, no response, data collection, aur scam jaise hain.

  1. Anonymous (10/12/25): “Worst service aur worst app, sirf data collect kar raha hai. Mainne loan ke liye apply kiya 4 din pehle, abhi tak koi response nahi. Executive number diya hai lekin calls ya messages ka jawab nahi dete.”
  2. Paresh Patel (01/12/25): “Loan sanctioned ho gaya lekin last 5-6 hours se disbursed nahi hua. Customer care call kiya, no proper response. Mail aur WhatsApp message bheja given number pe, lekin no reply. App kehte hain 30 minutes mein milega, lekin aisa nahi hai.”
  3. Vengadasalapathy Krishnan (03/12/25): “Totally time waste. 2 days se mera application under review hai, credit manager ka number contact nahi ho raha.”
  4. Vishal Pawar (22/12/25): “Sabse kharab service ever. App kahte hain loan 30 minutes mein, e-sign complete karne ke baad bhi 24 hours se zyada wait kar raha hoon disbursement ke liye. Customer service call kiya no reply, WhatsApp message bheja no reply. Aisa service dete ho tum log?”
  5. Zaid Varcie (14/12/25): “Yeh ek terrible app hai, itne saare documents maangte hain. Better hai kisi dusre app pe jao jahaan itna hustle nahi. No customer support, extremely rude log hain, is app pe mat jao.”
  6. Arun (28/11/25): “Is app se loan lena bahut difficult hai, easy loan app nahi jaise Navi, KreditBee, Fibe etc. Statements, payslips, verification… blah blah. SBI se loan lena easier hai isse, 😂😂 pls time waste mat karo apply karke.”
  7. Anonymous (18/12/25): “Time waste mat karo, loan expect mat karo is app se. Last week se approve nahi hua, sirf data collection, worst app forever.”
  8. Rajshekhar Ghasti (17/11/25): “Bright Loans rupee 112 same app, sirf time waste karte hain sabke. All documents collect kiye including current location, lekin no use. Don’t apply, they not approve any loan. Mainne dusra partner dhund liya.”
  9. Kanai Gharami (13/12/25): “Mainne loan apply kiya 30 hours pehle, lekin not approved aur not rejected. Har baar check karo toh review mein dikhta hai. Customer service contact kiya lekin no response.”
  10. Nitten Gokhaley (17/12/25): “Yeh app emergency situation ke liye bilkul nahi. Mera application process kiya aur revert kiya sirf 7 days baad. Interest rate bahut high hai paperwork ke hisaab se. Better alternatives chuno agar 1-2 din mein funds chahiye. Most important, data delete ka option nahi, including bank records, despite RBI NBFCs ke liye mandatory.”
  11. Argha Bandopadhyay (16/12/25): “Yeh app total fake hai, sirf time waste. Credit manager allot karte hain, sanctioned amount dikhate hain, lekin customer care call karo toh time pe time dete hain. Yeh scam hai aur fraud, customers ko report karna chahiye.”

Yeh reviews dikhaate hain ki app promise karti hai instant loan, lekin reality mein delays, no support, aur data misuse. Similar complaints web pe bhi hain, jaise Bright Lending pe users bolte hain outrageous rates aur denials. 2 BBB pe complaints hain exorbitant rates ke. 1 India mein loan app scams mein data hack aur harassment common hai. 5

Heavy Charges Aur 7 Days Loan Ki Problems

Bright Loans mainly short-term loans offer karti hai, jaise 7 days ke, jisme interest bahut high hota hai. Example, agar ₹10,000 loan lo 7 days ke liye, interest 1-2% daily ho sakta hai, jo annual 365%+ ban jaata hai. Processing fee 2-5%, GST, aur late fee add karo toh total repayment double ho jaata hai. Users complain karte hain ki hidden charges disclose nahi karte. X pe ek user ne bataya ki loan apps high interest charge karte hain aur harass karte hain. 17 RBI guidelines kehti hain ki NBFCs transparent hone chahiye, lekin yeh apps violate karte hain.

Delays ki wajah se users emergency mein phas jaate hain. Reviews mein dikhta hai ki sanctioned hone ke baad bhi 24-48 hours ya days lagte hain disbursement mein. Customer service phone, email, WhatsApp sab fail. Yeh sab scam tactics hain, jahaan data collect karke sell karte hain ya misuse.

Data Privacy Aur Scam Risks

App data safety ka claim karti hai, lekin reviews bolte hain sirf data collection. No delete option, jo RBI ke against hai. India mein fake loan apps permissions leke contacts access karte hain aur blackmail. 9 Bright Loans jaise apps location, bank details, photos maangte hain. Ek review mein bataya gaya ki no use of shared data, loan approve nahi karte.

Scam spot karne ke tips: App research karo, permissions check karo, official RBI list dekho. Agar heavy upfront fees maange ya guarantee de without credit check, scam hai. 6

Alternatives Aur Better Options

Bright Loans avoid karo, better apps jaise Navi, KreditBee, MoneyTap use karo jo transparent hain. Banks jaise SBI, HDFC se personal loans lo, interest low hota hai. Emergency ke liye credit cards ya family se borrow better. X pe log bolte hain loan apps se dur raho, bankruptcy tak pahunch jaate hain high interest se. 21

Kaise Avoid Kare Loan App Scams?

  • App download karne se pehle reviews padho, especially negative.
  • Permissions mat do unnecessary.
  • Interest calculate karo pehle.
  • Customer care test karo apply se pehle.
  • Agar scam lage, RBI ya cyber cell report karo.

FAQ: Bright Loans App Ke Common Sawal

Q1: Bright Loans app safe hai kya?
A: Nahi, reviews se lagta hai scam jaise, heavy charges aur delays. Data privacy issues bhi.

Q2: Loan kitne time mein milta hai?
A: Claim 30 minutes ka hai, lekin users bolte hain days lagte hain, ya nahi milta.

Q3: Interest rate kitna hai?
A: 18-36% p.a. official, lekin short-term mein effective zyada, hidden charges add.

Q4: Customer support kaisa hai?
A: Bahut kharab, no response on calls, emails, WhatsApp.

Q5: Data delete kaise karun?
A: Option nahi, RBI ke against. Complaint karo.

Q6: Better alternatives kaun se?
A: Navi, KreditBee, bank loans.

Q7: Scam lage toh kya karun?
A: Report to RBI, police, aur uninstall karo.

Q8: 7 days loan ke charges?
A: Bahut high, daily interest add hoke mehnga padta hai.

Q9: Play Store rating high kyun?
A: Fake reviews ho sakte hain, critical ones asli picture dikhate hain.

Q10: Apply karun ya nahi?
A: Avoid karo, time aur data waste.

27 Dec, 2025 By rahulrani90
💰 Roz Dhan App Review – 7 Din Me Paisa Kamane Wala App Sach Ya Scam?

Aaj kal internet par Roz Dhan App ka naam bahut viral ho raha hai. Log keh rahe hain ki is app se 7 din me earning ho jati hai. Lekin kya ye sach hai ya sirf ek jhoothi marketing?
Aaj main apna real experience share karungi taaki aap decide kar sako ki ye app use karna chahiye ya nahi.

📱 Roz Dhan App Kya Hai?

Roz Dhan ek earning application hai jisme users ko daily tasks, referrals aur offers complete karne par paise milte hain.

Is app ko specially beginners ke liye design kiya gaya hai jinko online earning ka experience nahi hota.

📝 Roz Dhan App Kaise Kaam Karta Hai?

Is app me aapko ye kaam milte hain:

✅ Daily login bonus
✅ App install tasks
✅ Articles padhna
✅ Games & surveys
✅ Refer & Earn

Jaise jaise aap task complete karte ho, waise-waise wallet me paise add hote jaate hain.

💸 7 Din Me Kitni Earning Hoti Hai?

Maine personally 7 din use karke dekha:

🔹 Day 1–2: ₹30–₹50
🔹 Day 3–5: ₹70–₹120
🔹 Day 6–7: ₹150+ (Referral ke saath)

👉 Total approx ₹200–₹300 possible hai (agar daily active raho).

👍 Roz Dhan App Ke Fayde (Pros)

✔ Free joining
✔ Simple tasks
✔ Beginners ke liye best
✔ Real withdrawal proof milta hai
✔ Mobile se hi kaam ho jata hai

❌ Roz Dhan App Ke Nuksaan (Cons)

❌ High earning possible nahi
❌ Referral ke bina slow earning
❌ Long term income ke liye best nahi

⭐ Final Verdict – Kya Roz Dhan App Real Hai?

👉 Haan, Roz Dhan app real hai, lekin ye full-time income ke liye nahi bana.
Agar aap thoda pocket money ya side income chahte ho to ye app theek hai.

🔥 Conclusion

Agar aap beginner ho aur online earning start karna chahte ho, to Roz Dhan ek safe option hai.
Lekin agar aap zyada paisa kamana chahte ho, to skill-based earning better rahegi.

23 Dec, 2025 By rahulrani90
Finotive Personal Loan App Scam Exposed: Advance Fees Maangte Hain, Loan Nahi Dete – Data Collection Ka Fraud!

Aaj kal instant personal loan apps ka craze bahut hai. Emergency me paise chahiye to bas app download karo, apply karo aur paise account me. Lekin is aasani ke peeche bahut bade scams chhupen hain. Aaj hum expose kar rahe hain Finotive – Personal Loan app ki, jo Play Store pe available hai (link: https://play.google.com/store/apps/details?id=com.birmecha.finotive). Ye app BIRMECHA SECURITIES PRIVATE LIMITED dwara banayi gayi hai aur overall 4.3 star rating dikha rahi hai. Description me kehti hai RBI registered NBFC hai, low interest 10-45% APR, tenure 6-60 months, no hidden charges. Lekin asli sachchai critical reviews me hai – ye app loan dene ke naam pe advance processing fees maangti hai, phir loan reject kar deti hai, data collect karti hai aur paise wapas nahi karti. Bahut se users bol rahe hain ki ye pure data collection wala fake app hai, loan kabhi deta nahi. Hum is article me critical reviews add karenge (images wale bhi), risks bataenge aur safe alternatives denge. Ye sab reviews pe based hai, description pe nahi – kyunki wo misleading hai. Chaliye detail me jaante hain

Finotive App Kya Claim Karti Hai? Description Par Kyun Nahi Bharosa Karna

Play Store pe Finotive app dikhti hai professional – instant personal loan ₹5,000 se ₹15 lakh tak, quick approval, paperless process, RBI compliant. Kehti hai transparent fees (3-7.5% processing + GST), interest 10-45% annual, tenure lamba 6 months se 5 saal tak. Lagta hai safe aur reliable. Lekin ye sab marketing gimmick hai. Real users ke experiences alag hain. Critical reviews me log bol rahe hain ki ye 7-day jaisi short-term trap nahi hai, lekin advance fees leke loan nahi dete, ya heavy hidden charges lagate hain. Description me no hidden charges bolte hain, lekin reviews me opposite complaints. Isliye hum critical reviews pe focus kar rahe hain, jo Play Store ke low rating section me milte hain.

India me aise apps RBI guidelines violate karti hain – advance fees maangna illegal hai genuine lenders ke liye. Finotive shayad registered hai, lekin users ke according harassment aur fraud kar rahi hai. Government aur RBI ne kai baar warning di hai fake aur misleading loan apps ke against. Ab dekhte hain asli reviews jo app ki pol khol rahe hain.

Critical Reviews Se Sachchai: Users Ke Real Complaints

Play Store pe critical tab open karo to bahut se 1-2 star reviews milte hain. Users clearly warn kar rahe hain – scam hai, advance payment maangte hain, loan nahi milta, data chori hoti hai. Hum yahan images me diye gaye reviews add kar rahe hain, exactly jaise users ne likhe

Review 1: Suhail Qadir (1 Star, Date: 04/12/25)
“these are scammers, who wants processing fee to pay first in some unknown account through UPI then didn’t give any loan…. please save yourself from these scammers….there is no easy money….”
(9 people found this helpful)

Ye review bol raha hai ki scammers hain – pehle processing fee unknown account me UPI se maangte hain, phir loan nahi dete. No easy money, save yourself!

Review 2: Rajesh Kumar (1 Star, Date: 05/12/25)
“fake loan they ask advance payment”
(7 people found this helpful)

Simple aur clear – fake loan, advance payment maangte hain.

Review 3: chinku chaudhary (1 Star, Date: 16/12/25)
“data collection application hai sirf never give any loan all reviews are paid so don’t waste your time”

Ye bol raha hai pure data collection app hai, loan kabhi nahi dete, positive reviews paid hain.

Review 4: Arjun Pandit (1 Star, Date: 18/12/25)
(Review text image me blank hai, lekin low star aur recent date se scam indicate hota hai.)

Review 5: Aparajita Mallick (1 Star, Date: 15/12/25)
“very bad app only data collection don’t apply this my all documents are correct but not approved very bad app”

Documents correct hone ke bawajood approve nahi, sirf data collect.

Review 6: Abhinandan kumar singh (1 Star, Date: 14/12/25)
“i will not suggest anyone to use this application as I have got approval for the 60000 rps after that application asked for the 2400 rps processing fee, which I have made the payment ( non – refundable) after that my application got rejected. fake app ..👎 . please refund my 2400 rps ..”
(5 people found this helpful)

Yahan clear example – 60,000 approve dikhaaya, 2400 processing fee li (non-refundable), phir reject. Fake app, refund maang rahe hain.

Review 7: Dhananjay Verma (1 Star, Date: 05/12/25)
“wrost app otp not receive”
(3 people found this helpful)

Basic OTP bhi nahi aata, app properly kaam nahi karti.

Aur common complaints:

  • Advance/Processing Fees Scam: Pehle fee maango, phir loan reject ya no disbursal. Fees non-refundable.
  • Data Collection Only: PAN, Aadhaar, bank details, contacts access – loan ke bahane data chori.
  • Fake Approval: Approval dikhaake lure karte, phir reject.
  • No Loan Disbursal: Paise pay karne ke baad bhi loan nahi milta.
  • Heavy Charges: Description me low bolte, lekin hidden fees bahut.
  • Poor Support: Refund ya complaint pe koi response nahi.

Ye sab typical Indian fake loan app patterns hain – 7-day trap nahi, lekin advance fee wala fraud same dangerous. Users mental stress me aa jate hain, credit score kharab, data leak ka dar.

Finotive App Ke Risks: Install Karne Se Pehle Socho

Pehla risk – financial loss. Advance fees 2000-5000 tak maangte, wapas nahi karte. Agar loan mil bhi jaye to hidden charges se total cost bahut high.

Dusra – data privacy zero. App permissions se contacts, gallery, location access – phir misuse, harassment ya sell data.

Teesra – credit score damage. Multiple inquiries ya fake entries se CIBIL down.

Chautha – time waste aur stress. Documents upload karo, wait karo, phir reject.

Panchwa – legal nahi properly. Agar RBI registered bhi hai to user complaints se lagta hai unethical practices.

RBI rules ke against advance fees maangna banned hai genuine cases me, lekin ye loophole use kar rahe.

Safe Alternatives: Genuine Loan Apps Aur Options

Finotive se door raho, better safe apps use karo:

  • Bajaj Finserv App: Transparent, RBI approved, no advance fees.
  • MoneyTap or CASHe: Credit line, low interest, genuine disbursal.
  • Bank Apps: HDFC, SBI, Axis – personal loan section, safe aur low rates.
  • Paytm or PhonePe Loans: Partnered with NBFCs, reliable.
  • Fibe or KreditBee: Good reviews, proper process.

Hamesha check karo: RBI registered NBFC partner, no upfront fees, good critical reviews.

Loan App Scams Se Kaise Bachao Khud Ko

  • Play Store reviews padho, especially critical aur recent.
  • Advance fees maangne wali app avoid.
  • Permissions carefully do, unnecessary deny.
  • Small loan se test mat karo.
  • Victim ho to cybercrime.gov.in pe complain, RBI Sachet portal.
  • Family se discuss karo before applying.

Conclusion: Finotive Personal Loan App Se Savdhan Raho

Finotive app shocking tarike se users ko fool kar rahi hai – advance fees leke loan nahi deti, data collect karti hai. Critical reviews se clear hai ki description fake promises hai. 2025 me bhi ye scams chal rahe, isliye aware raho. Safe banks ya approved apps se loan lo. Agar paise fase hain to police/cyber cell complain karo. Ye article full warning hai taaki aap safe raho.

FAQ (Frequently Asked Questions)

Q1: Finotive App Safe Hai Kya?
A: Nahi, critical reviews me scam, advance fees aur data collection ke complaints bahut hain.

Q2: Ye App Advance Fees Kyun Maangti Hai?
A: Processing fee bolke, lekin loan reject kar deti hai aur refund nahi.

Q3: Loan Milta Hai Kya Finotive Se?
A: Reviews ke according bahut kam, mostly fake approval dikhaake fees lete hain.

Q4: Data Theft Ka Risk Hai?
A: Haan, users bolte hain only data collection app hai.

Q5: Interest Rates Real Hain?
A: Description me low dikhaate, lekin hidden charges se heavy.

Q6: Developer Kaun Hai?
A: BIRMECHA SECURITIES PRIVATE LIMITED.

Q7: Alternatives Kaun Se Hain?
A: Bajaj Finserv, MoneyTap, bank apps jaise HDFC/SBI.

Q8: Complain Kaise Karun?
A: Cybercrime.gov.in ya RBI portal pe, police me FIR.

Q9: Install Karun Ya Nahi?
A: Bilkul nahi, reviews se avoid karo.

Q10: Ye Reviews Real Hain?
A: Haan, Play Store se exact, including images wale.

Focus Keyword: Finotive Loan App Scam

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