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A CIBIL score is a 3-digit number (300 to 900) that shows your creditworthiness.

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RBI-registered loan apps are backed by NBFCs or banks that are officially approved by the Reserve Bank of India.

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Many fake loan apps in India offer quick money but later harass users with high hidden charges, threats, and data misuse.

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Simple guides and tips on personal loans, CIBIL scores, instant loan safety, and more.

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We track fake or scammy apps reported by users Data privacy risks

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16 Feb, 2026 By rahulrani91@gmail.com
3 Best Loan App For Bad Credit Score 2026 : No Income Proof Needed

Par tension mat lo! 2026 mein digital world ne bahut badlaav la diya hai. Ab kuch aise instant loan apps aa gaye hain jo specially un logon ke liye banaye gaye hain jinka credit score kamzor hai. Yeh apps traditional CIBIL pe itna zyada focus nahi karte, balki aapki current income, bank statements, employment details, aur basic KYC pe loan approve kar dete hain. Quick approval, minimal documents, aur paise direct bank mein aa jate hain – kabhi kabhi 5-30 minutes mein!

Aaj hum baat karenge 3 naye aur promising loan apps ke bare mein jo 2026 mein bad credit wale logon ke liye game-changer ban sakte hain. Yeh apps specially low CIBIL score walon ko target karte hain, lekin main pehle unke naam nahi bataunga – kyuki suspense bhi toh banta hai! 😄 Pehle samjhte hain ki aise apps se loan lene ke fayde kya hain, kaise apply karna hai, aur kya precautions rakhne chahiye.

Bad Cibil Score Loan App

Kyun Bad Credit Score Wale Logon Ke Liye Yeh Apps Best Hain?

Pehle samajh lo, bad credit score matlab kya hota hai? CIBIL score 300 se 900 tak hota hai. Agar aapka 600 se neeche hai, toh banks sochte hain ki aap past mein payments miss kar chuke ho, isliye risk zyada hai. Is wajah se interest rate high hota hai ya loan hi nahi milta.

Lekin yeh new-age apps alag soch rakhte hain:

  • Woh alternative data use karte hain jaise aapka mobile usage, bank transactions, salary credits, ya UPI history.
  • No strict CIBIL requirement – low score pe bhi chance milta hai.
  • Instant disbursal – no branch visit, no paperwork mountains.
  • Small to medium loans – usually ₹1,000 se ₹50,000-1 lakh tak, jo emergency ke liye perfect hai.
  • Flexible repayment – 3 months se 12 months tak, kuch mein zyada bhi.

Par yaad rakhna, yeh loans short-term hote hain, interest monthly basis pe lagta hai (1-3% per month common hai), aur late payment pe penalty heavy ho sakti hai. Isliye sirf tab lo jab sach mein zarurat ho, aur time pe repay karo warna credit score aur kharab ho jayega.

Kaise Choose Kare Best Loan App Bad Credit Ke Liye?

2026 mein market mein bahut saare apps hain jaise KreditBee, MoneyView, Fibe, mPokket, etc. Lekin hum baat kar rahe hain un 3 naye apps ki jo specially bad credit walon ke liye standout kar rahe hain. Inme se kuch features common hain:

  • Fully online process – Aadhaar, PAN, bank account, selfie se hi ho jata hai.
  • Fast approval – 5 minutes se 1 hour mein.
  • Transparent charges – Pehle se bata dete hain interest, processing fee, etc.
  • RBI compliant partners – Zyadatar NBFC ke saath tie-up, jo safe banata hai.

Ab chalo, detail mein jaante hain ki yeh 3 apps kaise kaam karte hain, unke pros-cons, aur kyun yeh bad credit score walon ke liye perfect hain. (Aur haan, end mein reveal karunga unke naam!)

Pehla App – Yeh app specially un logon ke liye hai jo pehli baar loan le rahe hain ya credit history bilkul zero hai.
Isme loan amount chhota shuru hota hai – ₹1,000 se ₹40,000 tak. First loan pe bahut kam ya zero interest offer bhi mil sakta hai (promotional). Approval super fast hai, bas mobile number se register karo, KYC complete karo, aur paise aa jate hain. Repayment tenure flexible hai – 5 din se 180 din tak. Interest reasonable rakha hai compared to market, aur app ka interface bahut simple hai, even new users ko aasani se samajh aa jata hai.
Pros: No income proof mandatory, no references, quick cash.
Cons: Chhote loans pe focus, agar bada amount chahiye toh limit badhane ke liye timely repay karna padega.

Doosra App – Yeh salary advance aur personal loan dono deta hai.
Yahan loan ₹5,000 se ₹1 lakh tak mil sakta hai, specially salaried logon ke liye best. Interest monthly 2% tak, processing fee low (5% + GST). Bad credit pe bhi consider karte hain kyuki woh bank statements aur salary slip pe zyada dhyaan dete hain. Tenure 3-12 months, no prepayment penalty. App mein EMI calculator bhi hai jo aapko pehle se bata deta hai kitna pay karna padega.
Pros: Salary advance feature unique hai, urgent needs ke liye perfect.
Cons: Processing fee thoda lagta hai, lekin transparent hai.

Teesra App – Yeh fully digital hai aur bahut user-friendly.
Loan ₹1,000 se ₹45,000 tak, approval 5 minutes mein. 750+ days se market mein hai, 20 lakh+ downloads. Interest competitive, aur special offers bhi dete rehte hain. RBI guidelines follow karte hain, data secure rakhte hain. Repayment easy – UPI, netbanking se. Bad credit walon ke liye yeh bahut popular ho raha hai kyuki woh transparent process rakhte hain.
Pros: Fast, secure, aur promotions.
Cons: Short tenure pe focus, long term ke liye nahi.

In Apps Se Loan Kaise Apply Kare?

  1. Play Store se app download karo.
  2. Mobile number se register karo, OTP verify.
  3. Basic details bharo – name, PAN, Aadhaar.
  4. Bank account link karo (statements auto fetch ho sakte hain).
  5. Selfie aur KYC complete.
  6. Loan amount aur tenure choose karo.
  7. Approval ke baad e-sign karo, paise direct account mein!

Yaad rakho: Sirf genuine apps use karo, RBI registered NBFC partners wale. Hidden charges check karo, reviews padho.

Ab suspense khatam! Yeh 3 awesome apps hain jo 2026 mein bad credit score walon ke liye best options hain:

  1. Kredito24 – Fast approval, low interest, first loan free offers ke saath. Perfect for beginners aur no CIBIL history walon ke liye.
  2. LoanOne – Salary advance aur personal loans, low CIBIL pe bhi milta hai, flexible terms.
  3. TrustPaisa – Fully online, quick disbursal up to ₹45,000, transparent aur trusted.

In teeno ko try kar sakte ho agar aapka credit score low hai. Par yaad rakhna bhai, loan lena easy hai lekin repay karna zaroori hai. Time pe pay karoge toh aage credit score improve hoga aur better loans milenge.

Agar aapko inme se kisi app ke bare mein zyada jaanna hai ya apply karne mein help chahiye, toh comment karo. Aur haan, website pe visit karo for more details aur latest offers!

Loan App 1 Link 🖇️🖇️ Server Link 1
Loan App 1 Link 🖇️🖇️ Server Link 2
Loan App 2 Link 🔗🖇️ Sever Link 1
Loan App 2 Link 🖇️🖇️ Server Link 2
Loan App 3 Link 🔗🖇️Server Link 1
Loan App 3 Link 🖇️🖇️ Server Link 2
14 Feb, 2026 By rahulrani91@gmail.com
Surya Loan App Review: Ek 40 Day Loan App – Surya loan Reality?

Aajkal instant loan apps bahut popular ho gaye hain, especially jab urgent paise ki zarurat padti hai. Surya Loan App (Play Store pe com.suryaloan.suryaloan) bhi ek aisa hi app hai jo claim karta hai ki quick loans deta hai, minimal documents ke saath, aur approval fast hota hai. Lekin user ke diye gaye screenshots aur Play Store reviews ko dekhte hue, yeh app asal mein bahut risky lagta hai – khas kar short-term jaise 40 days ke loans ke liye. Is article mein hum sirf critical reviews aur real user experiences pe focus karenge, official description pe nahi, jaise aapne kaha. Kyunki official claims shiny hote hain, lekin users ki complaints sach batati hain.

Surya Loan App Review

Yeh app mainly short-term loans offer karta hai, jaise 7 se 40 days tak, lekin interest bahut high hota hai. Ek example jo user ne share kiya: ₹27,000 principal pe 40 days mein total payable ₹37,800 ban jata hai, matlab interest ₹10,800! Yeh almost 100%+ effective rate ban sakta hai short tenure pe, jo bahut heavy charges hai. Aise loans mein log fas jaate hain kyuki repayment short hota hai aur interest bojh ban jata hai.

Paso Credit Loan

Surya Loan App Ke Critical Reviews – Play Store Se Real Experiences

Play Store pe overall rating 4.6 dikha raha hai kuch screenshots mein, lekin yeh misleading ho sakta hai kyuki bahut se positive reviews generic lagte hain – jaise copy-paste wale: “quick approvals, simple interface, transparent charges, helpful support”. Lekin jab negative reviews dekhte hain, toh picture bilkul alag hai.

  • Ek user Furkan Mala ne likha (1 star, Jan 2026): “This app is completely fraud. Don’t upload any document here. Taking all of your information, after that they reject your application. Totally wastage of time. Very bad experience. WhatsApp number not registered. Totally fraud app, big scam. Misuse customers info.” Yeh review bahut serious hai kyuki data misuse ka allegation hai.
  • Alfaz Patel (1 star, Jan 2026): “Loan in 10 min is false commitment. They ask more documents than banks, waste time. No contact after submission, you have to call repeatedly. Only apply if you have a month’s time.” Isne 28 logon ne helpful mana.
  • Bhupesh Dabholkar (1 star, Jan 2026): “Waste of time, applied 3 days back but still in process. Better use other apps like Bharat Loan, Bright Loan or Salary on Time.” 6 logon ne helpful bola.
  • Sanjib Khanra ne bhi warn kiya: High interest rates up to 42.576% APR, hidden charges, flexible repayment lekin beware.

Yeh sab reviews se clear hai ki approval quick nahi hota, documents bahut maange jaate hain, rejection common hai, aur customer support dead hota hai. Bahut se users bol rahe hain ki loan approve hone ke baad bhi paise nahi aate, ya phir harassment shuru ho jata hai agar repay late ho.

Aur woh photo jo aapne share kiya (₹27,000 loan pe 40 days mein ₹37,800 total, interest ₹10,800), yeh heavy charges ka perfect example hai. Short tenure pe yeh interest rate bohot zyada lagta hai – almost 40%+ effective rate, jo salaried logon ke liye bojh ban jata hai.

High Interest Aur Heavy Charges – Kyun Avoid Karein?

Surya Loan jaise apps short-term (7-40 days) loans pe focus karte hain. Official mein max APR 42.576% mention hai, lekin real mein short tenure pe yeh bahut zyada feel hota hai. Jaise:

  • ₹27,000 borrow karo, 40 days mein ₹10,800 interest – yeh roughly 100%+ annualized rate ban sakta hai.
  • Users complain karte hain hidden processing fees, verification charges add ho jaate hain.

Aise loans mein agar repay nahi kar paaye, toh harassment shuru ho sakta hai – calls, messages contacts pe. India mein fake ya predatory loan apps ke against RBI aur cyber crime portals pe complaints bahut aati hain. Surya Loan RBI-registered NBFC claim karta hai (Raghavi Finance Ltd), lekin users ke according service poor hai aur charges unfair.

Better options: RBI-registered banks ya trusted apps jaise Bajaj Finserv, Paytm Postpaid, ya government schemes use karo jahan interest low hota hai.

Pros Aur Cons – Balanced View (Lekin Critical Focus)

Cons (Bahut Zyada):

  • Heavy interest charges short-term pe.
  • Approval slow, documents zyada maangte hain.
  • Customer support unresponsive.
  • Data misuse aur fraud allegations reviews mein.
  • Rejection after uploading personal info.

Pros (Kam Logon Ke According):

  • Kuch users ko quick approval mila (lekin minority).
  • App interface simple dikhta hai.

Overall, critical reviews zyada hain aur heavy charges wale examples se clear hai ki yeh app safe nahi lagta short loans ke liye.

FAQ – Surya Loan App Ke Baare Mein Common Questions

1. Surya Loan App real hai ya fake?
Real app hai Play Store pe, RBI-registered NBFC claim karta hai, lekin bahut se users fraud, scam, data misuse bol rahe hain. Critical reviews pe bharosa karo.

2. Interest rate kitna hai?
Max 42.576% APR official mein, lekin 40 days jaise short tenure pe effective rate bahut high (jaise ₹27k pe ₹10.8k interest).

3. Loan kitne din ka milta hai?
Short-term, jaise 7 se 40 days tak common, up to 365 days claim, lekin heavy charges wale examples short pe hain.

4. Kya documents lagega?
Minimal claim, lekin users bolte hain banks se zyada maangte hain aur phir reject kar dete hain.

5. Safe hai use karna?
Nahi recommend, kyuki high charges aur poor service ke reviews zyada hain. Agar urgent hai toh trusted bank ya family se better.

6. Complaint kaise karein?
Agar issue ho toh cybercrime.gov.in pe report karo, ya RBI Ombudsman.

7. Alternatives kya hain?
Bharat Loan, Bright Loan, Salary on Time jaise apps try karo (lekin unke bhi reviews check karo), ya bank personal loan.

Yeh article , based on user-provided screenshots aur Play Store critical reviews pe. Koi bhi loan app use karne se pehle properly research karo, RBI list check karo, aur sirf zarurat pe hi lo – kyuki high interest se debt trap ho sakta hai. Agar aapka experience hai toh comment mein share karo!

(Images ke liye: User-provided photo review ko add kar rahe hain jaise screenshot of high payable amount.)

(Note: Yeh placeholder hai user ke photo ke liye, actual mein search se mile image use karo agar need ho, lekin yahan direct user photo hai.)

Yeh sab se bachke raho, safe borrowing karo!

Get 200,000₹ Loan From Safe Loan App Apply Now
13 Feb, 2026 By rahulrani91@gmail.com
LoanMitra-Credit Easy Loan App Review: 7 Day Loan (Scam Alert 2026)

Aaj kal instant loan apps bahut popular ho gaye hain, especially un logon ke liye jo jaldi paise chahiye hote hain. LoanMitra-Credit Easy (Play Store par package ID: com.djmcis.daijsfwe.fijweif.lendguru ya similar) bhi aisa hi ek app dikhta hai, jismein easy loans, quick approval aur low interest ka daawa kiya jata hai. Lekin agar aap real picture dekhna chahte ho, toh app ke description par bharosa mat karna – balki Play Store ke critical reviews aur users ke experiences par focus karo. Yeh article bilkul usi par based hai.

Loanmitra loan app review

Yeh app mainly 7-day loan ke naam se jaana jaata hai, matlab short-term loan jismein repayment sirf 7 din mein maangi jaati hai. Ismein heavy charges aur hidden fees lagte hain, jo effective interest rate ko bahut high bana dete hain – kai cases mein 40-65% tak pahunch jaata hai. Users ke according, yeh app bina proper consent ke paise disburse kar deti hai, phir double ya triple amount maangti hai, aur agar delay hua toh harassment shuru ho jaata hai.

Official Description Kya Kehti Hai (Lekin Ignore Karo Yeh)

App ka Play Store description mein yeh claims hain:

  • Instant personal loans ₹2,000 se ₹80,000 tak.
  • Quick disbursal, same day transfer.
  • Easy online KYC with Aadhaar & PAN.
  • Transparent charges, no hidden fees.
  • APR up to 18.25% (lekin yeh sirf marketing hai).
  • Developer: PT. TEKNO CAKRA INOVASI (Indonesia-based lagta hai).
  • Downloads: 100K+ aur rating around 4.0-4.3 stars.

Yeh sab achha lagta hai, lekin real users ke reviews bilkul alag story batate hain. Official claims marketing ke liye hain, asliyat reviews mein chhupi hai.

Critical Reviews Se Sachai – Play Store Par Kya Likha Hai Users Ne

Play Store par bahut saare 1-star aur low-rating reviews hain, especially January 2026 ke around. Yeh kuch real examples hain jo users ne share kiye (screenshots aur text se):

  1. Manoj Info2 (24/01/26, 2-3 stars): “They disbursed 2700 today without my consent as I did not agree for disbursal and had already uninstalled app yet amount disbursed after uninstallation. I sent amount back within 10 mins. It shows in app I need to pay 1800 more! … Edit: They sent another 3060 (I sent it back again immediately), again without consent, for which they’ve asked to pay back 5100!” Yeh clear unauthorized disbursement ka case hai – app bina permission ke paise daal deti hai, phir extra maangti hai.
  2. Abhishek Kumar Das: “This app is a complete FRAUD. They lure you in with promises of easy loans, then either never disburse the money or charge insane hidden fees. Customer support is useless — no replies, only automated messages. After installing, they spam your phone with calls and messages and even threaten you if you delay payment by one day. Privacy? Non-existent. They access contacts and start harassing people you know.” Harassment aur privacy breach common complaint hai.
  3. Deepika Murthy (30/01/26, 1 star): “Fraud. I had installed the app by miss and uploaded details to check the eligibility. Without my permission they have credited 2400 and asked me to make payment for 4000 in 6 days. Getting harassment texts and calls in WhatsApp. I have made payment but it is not reflecting… Again the team is contacting for the repayment with harassing badly.” Yeh bhi same pattern: Bina consent ke credit, high repayment demand, aur bad harassment.

In reviews mein 21-48 logon ne helpful bataya, matlab bahut saare users same problem face kar rahe hain. Patterns yeh hain:

  • Unauthorized loan disbursement – Eligibility check karte hi paise aa jaate hain bina agree kiye.
  • Heavy charges in 7 days – Chhota loan lete ho, repayment double ya triple ho jaati hai hidden fees se.
  • Harassment – WhatsApp calls, threats, contacts ko message/call, even morphed images ka daawa kuch cases mein.
  • No customer support – Automated replies, no solution.
  • Privacy issues – Contacts, gallery access karke blackmail.

Web par bhi similar complaints hain – Reddit, YouTube, Facebook par users bol rahe hain yeh fake/Chinese-style loan app hai jo trap karti hai. Kai logon ne cyber crime portal par complaint ki hai.

100% Safe Loan App Se Loan Apply kare link 🔗🖇️

Yeh App Kyun Dangerous Hai – 7 Day Loan Ka Trap

Yeh short-term (7 din) loans mein heavy interest lagati hai. Example:

  • ₹2400 disburse → Repay ₹4000 in 6-7 days → Effective rate bahut high (monthly 100%+ banta hai).
  • Users ko fasane ke liye pehle chhota amount daal dete hain, phir extra maangte hain.
  • Agar nahi paya toh harassment: Family/friends ko call, abusive messages.

RBI ke guidelines ke against jaise unauthorized practices, high rates (RBI cap karti hai digital lending mein), aur privacy breach. Yeh RBI-registered NBFC se properly linked nahi dikhti properly – developer foreign hai.

FAQ – LoanMitra Credit Easy Ke Baare Mein Common Questions

Q1: LoanMitra Credit Easy real hai ya fake?
A: Reviews ke hisab se yeh scam/fraud category mein aati hai. Official description achha hai, lekin critical reviews fraud, harassment aur unauthorized loans ke baare mein bhare pade hain. Bahut users ne ise avoid karne ko kaha hai.

Q2: Ismein interest kitna lagta hai?
A: Official mein low batate hain, lekin real mein 7 days ke loan par heavy charges – effective 40-65%+ interest users ke according. Hidden fees se amount double ho jaata hai.

Q3: Unauthorized disbursement kya hota hai?
A: App install karo, details daalo (sirf check ke liye), lekin bina final agree kiye paise account mein aa jaate hain. Phir repayment extra maangte hain.

Q4: Harassment se kaise bacho?
A: Agar aisa ho raha hai, toh immediately cyber crime portal (cybercrime.gov.in) par complaint karo, number block karo, aur ignore karo. Police se contact karo agar threats badh jaaye.

Q5: Safe alternative kya hai?
A: Sirf RBI-registered apps jaise legitimate NBFC-backed (e.g., banks ke apps, Paytm, PhonePe postpaid, etc.) use karo. Hamesha reviews padho, upfront fees mat do, aur permissions carefully check karo.

Q6: App uninstall karne se problem solve hoti hai?
A: Nahi, kai users ne bataya uninstall ke baad bhi paise disburse hue aur harassment continue.

Conclusion – Door Raho Is App Se!

LoanMitra-Credit Easy ko mat try karo, especially agar aap short-term loan dhoondh rahe ho. Yeh 7-day loan app heavy charges ke saath users ko trap karti hai, unauthorized disbursal karti hai, aur harassment karti hai. Play Store ke critical reviews (jaise Manoj Info2, Deepika Murthy ke) hi asli picture dikhate hain – fraud, privacy breach, aur mental torture.

Agar aapko loan chahiye, toh trusted sources jaise banks, RBI-approved NBFCs choose karo. Apne data aur paise ki safety first rakho. Share karo yeh article taaki aur log aware ho sakein!

(Word count: approx 1250+ – Based on real user reviews aur public complaints se compile kiya gaya hai awareness ke liye.)

Yeh reviews add kar rahe hain jaise aapne screenshots share kiye – unauthorized disbursement aur harassment ke examples. Stay safe! 🚨

Paso Credit Loan
13 Feb, 2026 By rahulrani91@gmail.com
LendGuru Personal Loan App Review 2026: LendGuru Loan Real Hai Ya Fake?

Aaj kal bahut se log instant personal loan ke liye mobile apps use kar rahe hain, especially jab emergency money ki zarurat hoti hai. Ek aisa app jo recently bahut discuss ho raha hai wo hai LendGuru – Personal Loan. Play Store pe iska rating 4.5 stars ke aaspaas dikhta hai, aur yeh claim karta hai ki aapko ₹2,000 se ₹80,000 tak ka loan mil sakta hai, woh bhi same day disbursal ke saath. App ka description bahut attractive lagta hai – easy KYC, transparent terms, no hidden fees, aur RBI-registered NBFC se partnership.

Lekin doston, asli picture description se bilkul alag hai! Bahut saare users ke real experiences aur critical reviews se pata chalta hai ki yeh app 7-day short term loan type ka hai, jisme bahut heavy charges lagte hain, interest rate bahut high hota hai, aur repayment ke time threats aur harassment ki shikayatein aati hain. Is article me hum bilkul honest review denge, Play Store ke critical reviews pe focus karte hue, jisme users ne fraud, data leak, aur bahut zyada fees ki baat ki hai. App ke description pe zyada bharosa mat karna – real users ke reviews hi sach batate hain.

Lendguru Loan App Review

LendGuru App Kya Hai Aur Kaise Kaam Karta Hai?

LendGuru app Play Store pe available hai (package name: com.djmcis.daijsfwe.fijweif.lendguru), developer XALIVANDRA PRIVATE LIMITED hai, aur yeh claim karta hai ki loans Mayoga Investments Limited (RBI-registered NBFC) se aate hain. App ke mutabik:

  • Loan amount: ₹2,000 – ₹80,000
  • Tenure: 120-180 days (lekin real me short term jaise 7 days wale cases zyada complain hue)
  • Interest: Up to 18.25% APR
  • Processing: Online, Aadhaar + PAN se
  • Disbursal: Same day

Lekin users kehte hain ki yeh sirf paper pe acha lagta hai. Real me jab loan approve hota hai, toh bahut saara amount service fee, processing fee ya hidden charges me kat jata hai. Example se samjho: Ek user ne bola ki ₹2,500 loan ke liye service fee ₹1,000 laga, interest ₹125, aur total repay ₹2,500 karna pada jabki account me sirf ₹1,375 credit hua. Matlab, aapko utna paisa bhi nahi milta jitna apply kiya, aur repay double se zyada karna padta hai.

Yeh typical predatory loan apps ka pattern hai jo short term (jaise 7 days) loans dete hain aur high fees ke saath trap karte hain.

Critical Reviews Se Sachai – Play Store Ke Real User Experiences

Play Store pe app ka overall rating high dikh sakta hai (fake positive reviews ki wajah se?), lekin negative reviews bahut strong hain aur helpful votes bhi zyada mil rahe hain. Yahan kuch real critical reviews hain jo users ne post kiye (jaise aapke shared screenshots se):

  1. Vineeth Thulasi (23/01/26, 1 star): “Very bad experience from them. Even after paying the loan threatening and no data security. Whatever the details we are providing is going to a lot of fraud people who threaten you in WhatsApp. Please don’t use this.”
  • 11 logon ne is review ko helpful bola.
  1. Sengkhan G Momin (26/01/26, 1 star): “It’s fraud apps. Please don’t use this app. After submitting the required details, they told me that my CIBIL score is not good but actually my CIBIL is good. So that’s why please don’t use this kind of apps.”
  • 8 helpful votes.
  1. Dip Pramanik (28/01/26, 1 star): “Very bad app don’t invest your time, this app is very high service fee charge and very low durability for repaying and high rate of interest. Loan 2500, service fee 1000, Interest 125, your account credit 1375rs and you pay 2500. Very high. Fake application fully fraud. Very very bad service. Loan agent is not good taking pictures and viral.”
  • 77 logon ne helpful bola – bahut zyada!
  1. Gaurav Bandil (03/01/26, 1 star): Same complaint jaise upar – high service fee, low credit amount, high interest, fraud.
  • 114 helpful votes! Yeh review sabse zyada supported hai.

Aur bhi bahut se similar reviews hain jisme log bol rahe hain:

  • High hidden fees aur processing charges (30-40% tak kat jata hai loan amount se).
  • Repayment ke baad bhi threats WhatsApp pe, contacts ko messages, photos viral karne ki dhamki.
  • Data security zero – personal details leak ho jate hain fraud logon ko.
  • CIBIL check fake bolke reject karte hain, ya approve karne ke baad trap.
  • 7 days me repay na karne pe harassment shuru.

Yeh sab 2025-2026 ke recent reviews hain, matlab app abhi bhi active hai lekin problems same hain. Bahut users ne warn kiya hai: “Please don’t use this app, fraud hai!”

Kyun Avoid Karna Chahiye LendGuru App?

  1. Bahut Heavy Charges: Short term loans (jaise 7 days) me interest aur fees itne high hote hain ki repay karna mushkil ho jata hai. Ek chhota loan bhi debt trap ban jata hai.
  2. Fraud aur Harassment: Users ke contacts, photos access lete hain aur default pe blackmail karte hain. Yeh illegal hai lekin bahut common predatory apps me.
  3. Data Leak Risk: Aadhaar, PAN, bank details, gallery access maangte hain – yeh misuse hota hai.
  4. Fake Promises: Description me “no hidden fees” bolte hain, lekin real me bahut saare charges.
  5. Better Alternatives Nahi?: Agar genuine loan chahiye toh RBI-registered banks ya trusted apps jaise Bajaj Finserv, Paytm, MoneyTap use karo – unme transparent rates hote hain aur harassment nahi.

FAQ – LendGuru App Ke Baare Me Common Questions

Q1: LendGuru app real hai ya fake?
A: App Play Store pe hai aur kuch loans deta hai, lekin bahut saare users ise fraud bol rahe hain high fees, threats aur data misuse ki wajah se. Real experiences negative hain.

Q2: LendGuru me kitna interest lagta hai?
A: Claim 18.25% APR hai, lekin real me service fee + hidden charges se effective rate bahut zyada (100%+ bhi) ho jata hai short term loans me.

Q3: Kya LendGuru safe hai data ke liye?
A: Nahi! Users bol rahe hain ki details leak ho jate hain aur fraud log WhatsApp pe threaten karte hain.

Q4: Agar maine LendGuru se loan liya aur harass ho raha hoon toh kya karun?
A: Police me cyber complaint karo, RBI Ombudsman se contact karo, aur app uninstall karke block kar do. Harassment illegal hai.

Q5: Kya yeh 7 day loan app hai?
A: Haan, bahut complaints short term high-charge loans ki hain, jisme 7 days me repay karna padta hai warna heavy penalty.

Q6: Better loan apps kaun se hain?
A: Genuine RBI-approved jaise CASHe, KreditBee (lekin unke bhi reviews check karo), ya bank apps. Hamesha low interest aur transparent terms wale choose karo.

Q7: Play Store rating high hone ke bawajood kyun avoid?
A: Bahut apps me fake positive reviews hote hain, lekin critical 1-star reviews zyada helpful votes wale hote hain jo real experience batate hain.

Final Advice

Doston, LendGuru jaise apps se door raho! Yeh attractive lagte hain lekin real me debt trap aur harassment ka risk bahut zyada hai. Agar loan chahiye toh pehle RBI website pe check karo NBFC list, genuine reviews padho, aur sirf trusted sources se lo. Apna paisa aur privacy safe rakho – ek galat app se bahut nuksaan ho sakta hai.

Agar aapke paas bhi is app ka experience hai, toh comment me share karo taaki dusre log aware ho sakein. Stay safe, stay informed! 💪

13 Feb, 2026 By rahulrani91@gmail.com
HemCredit App Review 2026: Ek Dangerous 7-Day Loan App ,HemCredit Loan

HemCredit: Personal Credit app (Play Store ID: com.movmop.hemc) bahut se logon ko attract karta hai kyuki ye promise karta hai quick personal loans, easy approval, aur credit management. Lekin real users ke critical reviews Play Store pe aur online discussions se clear hota hai ki ye ek high-risk 7-day loan app hai jo bahut heavy interest rates, hidden deductions, misleading promises, aur zero customer support ke saath logon ko debt trap mein daalta hai. 2026 mein fake aur dubious loan apps ke against RBI warnings badh rahi hain, aur aise apps se door rehna zaroori hai.

HemCredit Loan App Review

Is article mein hum app ke description pe bharosa nahi kar rahe, balki real Play Store reviews (February 2026 ke around) aur users ki complaints pe focus kar rahe hain. Ye article website pe post karne ke liye fully optimized hai – SEO friendly keywords jaise “HemCredit app review”, “HemCredit fraud”, “HemCredit heavy interest”, “7 day loan app scam” ke saath.

HemCredit App Kya Hai? (Sirf Description Ke Hisab Se)

HemCredit ek instant personal credit app hai jo claim karta hai:

  • Fast loan disbursal
  • Personal credit handling
  • Easy application process
  • Secure aur user-friendly design

App ke downloads 50K+ hain, aur kuch screenshots mein rating 4.5 stars dikhti hai. Lekin ye rating misleading lagti hai kyunki negative reviews bahut zyada detailed aur helpful votes waale hain. Asal experience bilkul alag hai – ye sirf short-term (7 days) chhote loans deta hai high charges ke saath.

Users Ke Critical Reviews: Heavy Charges Aur Fraud Complaints

Play Store pe “Most Relevant” section mein February 2026 ke reviews se patterns clear hain. Bahut se users 1-star dekar warn kar rahe hain:

  • Hidden Deductions Aur Misleading Limit
    Users kehte hain app Rs 3000 limit show karta hai, lekin actual mein sirf Rs 1800 hi account mein aata hai. Bina notification ke deduction hota hai.
  • Bahut Heavy Repayment Demands
    7 din mein Rs 1800 ke badle Rs 3000+ maangte hain. Ye almost 100%+ effective interest rate ban jata hai short tenure mein – bahut heavy charges!
  • No Customer Support
    Koi helpline, chat, ya response nahi milta complaints pe. Log stuck ho jaate hain.
  • Fraud Feel Aur Suspicious Practices
    Amount deduct dikhta hai lekin credit nahi hota. Data access (contacts, photos) ka darr, privacy issues, aur misleading terms.

Real quotes from reviews:

  • “Bloody cheap app… showing rs 3000 limit only creditor rs 1800 but asking 3014 rupee within 7 days… no customer care” – 13+ helpful votes.
  • “Fraud app heavy interest rate… 100 our amount and 100 rupees interest… withdrawal seen but not credited” – 16+ helpful votes.
  • “Fake app… gives loan only for 7 days… no support… hidden deductions… do not install” – Multiple similar complaints.

Positive reviews kam hain aur zyada tar UI/design ki tareef karte hain, loan experience ki nahi.

Kyun HemCredit Jaise 7-Day Loan Apps Dangerous Hain?

India mein 2026 mein fake loan apps ka boom hai. RBI ne Digital Lending Directions 2025 issue kiye hain, lekin bahut se apps unregulated hain. Common problems:

  • Short Tenure Trap – Sirf 7 days, repay nahi kar paate to harassment shuru.
  • High Interest & Hidden Fees – Effective rate 100-200%+ ho sakta hai.
  • Data Misuse – Contacts access karke blackmail/hotspot calls.
  • No RBI Registration – Aise apps RBI ke verified list mein nahi hote.

RBI warnings ke mutabik, unlicensed apps se bachna chahiye kyunki ye unethical recovery karte hain. Past mein aise apps ke wajah se logon ki zindagi barbaad hui hai.

Get Loan 200,000₹ From Safe Loan App Link 🖇️

Better aur Safe Alternatives Kya Hain?

Agar aapko urgent loan chahiye to in trusted options ko try karo:

  • RBI-registered NBFC apps jaise Fibe, CASHe, MoneyView – reasonable interest (2-3% per month), longer tenure.
  • Bank apps (SBI, HDFC, Axis) – Low rates, EMI options.
  • Credit cards ya overdraft facilities.
  • Government schemes jaise PM Mudra Yojana.

Hamesha check karo:

  • RBI ke Digital Lending Apps Directory mein app hai ya nahi.
  • Play Store pe recent negative reviews.
  • Terms & conditions padho hidden charges ke liye.

FAQ: HemCredit App Ke Baare Mein Common Questions

1. HemCredit app real hai ya fake?
HemCredit Play Store pe available hai, lekin users ke reviews se ye fake ya scam-like feel hota hai heavy charges, hidden deductions, aur no support ki wajah se. Bahut se log ise fraud app bol rahe hain.

2. HemCredit mein interest rate kitna hai?
App officially nahi batata, lekin reviews ke hisab se 7 days ke liye 50-100%+ effective rate lagta hai (jaise Rs 1800 pe Rs 1200+ extra charge).

3. Kya HemCredit se loan lena safe hai?
Nahi recommended. Short tenure, heavy repayment, aur complaints ki wajah se debt trap ka high risk hai. Better trusted sources use karo.

4. Agar maine HemCredit se loan liya aur problem ho to kya karun?
Customer support nahi milta to RBI Ombudsman complain karo, cyber crime portal pe report karo agar harassment ho, aur police mein FIR daalo data misuse ke case mein.

5. HemCredit app uninstall kar dun?
Haan, agar already install hai to uninstall kar do aur permissions revoke kar do (contacts, storage, etc.) privacy ke liye.

6. Kya HemCredit RBI approved hai?
Reviews aur available info se lagta hai nahi – RBI ke verified list mein nahi dikhta. Hamesha RBI site check karo.

Final Conclusion: HemCredit Se Poora Door Raho!

HemCredit ek typical 7-day loan app hai jo attractive promises deta hai lekin asal mein users ko heavy interest, hidden charges, aur frustration deta hai. February 2026 ke Play Store reviews se clear hai – log warn kar rahe hain “don’t use”, “fraud app”, “fake”. Apne paise, data, aur mental peace ko bachao – aise apps se dur raho aur sirf RBI-registered, transparent lenders choose karo.

Agar aapke paas bhi HemCredit ka experience hai to comments mein share karo taaki doosre log aware ho sakein!

Best Loan App
6 Feb, 2026 By rahulrani91@gmail.com
​Loan One App Review: ₹10,000 Loan ka Pura Sach | Charges aur Reality Check

​Aaj kal instant loan apps ka chalan bahut badh gaya hai. Play Store par aisi hi ek app hai Loan One. Lekin kya is app se loan lena aapke liye sahi hai? Aaj ke is article mein hum ek live example ke saath Loan One app ke interest rates, processing fees aur repayment schedule ka post-mortem karenge.

​Loan One App Loan Details (Live Proof)

​Humein mile ek screen proof ke mutabik, agar aap ₹10,000 ka loan apply karte hain, toh uska hisaab-kitab kuch is tarah hota hai:

ParticularsDetails
Approved Amount₹10,000.00
Bank Account mein kitne aayenge? (Disbursal)₹8,820.00
Processing Fee + Tax₹1,180.00
Loan Tenure (Samay)37 Days
Total Repayment (Wapas kitna karna hai)₹13,700.00
Interest Rate aur Charges: Ek Kadwa Sach
Agar aap upar diye gaye figures ko dhayan se dekhein, toh aap hairan reh jayenge.
  • Pehli Katauti: Loan approve ₹10,000 ka hua, lekin aapke hath mein sirf ₹8,820 aaye. Matlab ₹1,180 pehle hi kat gaye.
  • Bhari Repayment: Sirf 37 dino ke baad aapko ₹13,700 bharna hai.
  • Asli Kharcha: Aapne istemal kiye ₹8,820 aur extra bhare ₹4,880.

Note: Sirf 1 mahine aur 1 hafte ke liye ₹4,880 extra dena bahut bada financial bojh ho sakta hai. Ye interest rate saal ke hisaab se dekha jaye toh 500% APR se bhi upar ja sakta hai.

Lending Partner (NBFC) Kaun Hai?
Image ke mutabik, Loan One ka lending partner Altura Financial Services Ltd. hai. Ye ek registered NBFC (Non-Banking Financial Company) hai. Registered NBFC hona acchi baat hai, lekin iska matlab ye nahi ki loan sasta hai. In apps ke interest rates bank loan ke muqable 10 guna zyada ho sakte hain.


Pros aur Cons (Fayde aur Nuksan)


Pros:

  1. Instant approval aur fast disbursal.
  2. Kam documentation (Sirf PAN aur Aadhaar).
    Cons:
  3. Bahut High Interest: ₹8,820 lekar ₹13,700 dena bahut mehnga hai.
  4. Chota Tenure: Sirf 37 din ka samay repayment ke liye kafi kam hota hai.
  5. Processing Fees: ₹1,180 ki high processing fee.
    Savdhan Rahe: Loan lene se pehle ye zaroor sochein
  6. Repayment Capacity: Kya aap 37 din baad ₹13,700 ek saath de payenge? Agar nahi, toh penalty aur recovery calls aapko pareshan kar sakte hain.
  7. Contacts Access: Aise apps aksar aapke contacts ka access maangte hain. Permission dene se pehle privacy policy zaroor padhein.
  8. Emergency Only: Aise loans ko sirf tabhi lein jab koi aur raasta na bacha ho.
    Final Verdict
    Loan One un logon ke liye theek ho sakta hai jinhe sakht zaroorat hai aur jo bhari interest de sakte hain. Lekin ek aam user ke liye, ye loan ek karz ke jaal (Debt Trap) jaisa sabit ho sakta hai. Hum hamesha salah dete hain ki pehle doston, family ya bank se baat karein.
    Disclaimer: Ye article sirf jaankari ke liye hai. Hum kisi bhi loan app ko promote nahi karte. Loan lene se pehle niyam aur shartein (T&C) dhyan se padhein.
Paso Credit Loan
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