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20 Feb, 2026 By rahulrani91@gmail.com

MandalCard Loan App Review 2026: MandalCard Loan Scam Hai Ya Real?

Aaj kal bahut saare log quick loan ki talash mein Play Store par apps download karte hain, khas kar jab emergency ho aur bank se loan milna mushkil ho. Ek aisa hi app hai MandalCard – Simple & Secure (com.mandal.card.app), jo bahut attractive description ke saath aata hai. Ye claim karta hai ki ye simple aur secure hai, quick credit provide karta hai, lekin asliyat bilkul alag hai. Ye ek typical 7 Day Loan App hai jo bahut heavy charges lagata hai aur users ko serious problems mein daal deta hai.

Is article mein hum official description par zyada focus nahi karenge, balki Play Store ke critical reviews par bharosa karenge jo real users ne likhe hain. Aapke diye gaye photo reviews bhi include kar rahe hain, jo bahut shocking hain. Ye app heavy interest, short repayment time, harassment, blackmail, aur privacy breach ke complaints se bhara pada hai. Agar aap is app ke baare mein soch rahe ho, to ye pura padh lo – ye aapka time aur paise bachayega!

MandalCard App Kya Hai? Official Claim Vs Real Truth

Official Play Store page par MandalCard ko “Simple & Secure” bataya gaya hai. Ye credit card manage karne aur spending track karne ka tool dikhta hai, lekin users ke experiences se ye ek instant personal loan app ban gaya hai jo short-term (mostly 7 days) loans deta hai. Developer hai SHIVANI COMPUTER AND MULTISERVICES (Maharashtra se), aur downloads 100K+ hain. Rating dikhti hai around 4.7 stars, lekin ye inflated hai fake positive reviews se.

Lekin critical 1-star reviews dekho to picture bilkul change ho jati hai. Log bol rahe hain:

Promised limit ₹3000 dikhaata hai, lekin sirf ₹1200 hi milta hai.
7 days ka tenure promise karta hai, lekin 5 days mein hi repayment maangta hai.
Heavy charges lagate hain – jaise ₹2000 apply karo to sirf ₹800 milta hai, baaki processing fees mein kat jaata hai.
Repayment miss hone par threats, blackmail, family aur contact list ko calls, aur kuch cases mein nude videos banane ki dhamki.

Ye sab Play Store reviews se directly aaya hai, jo aapne screenshots mein share kiye hain aur bahut saare similar complaints online hain.

Critical Reviews Jo Aapko Warning Dete Hain

Yahan kuch real reviews hain jo users ne Play Store par post kiye (aapke photos se aur similar ones):

Rahul Khan (05/02/26, 1 Star): “It’s very bad. It shows a 3000 credit limit, but you only receive ₹1200, and they call for repayment after just 5 days instead of the promised 7 days, and they threaten you.”
(40 logon ne helpful bola – ye bahut common complaint hai!)
Iepsita Chakroborty (14/02/26, 1 Star): “Very very worst app. They are using your photo to make nude videos. They call before the due date to your contact list. Third class app. Don’t install.”
(14 logon ne helpful bola – privacy breach aur blackmail ki serious baat!)
Mallikkarjun Macharla (14/02/26, 1 Star): “Do not take any loan from this app if you have any emergency also. If you borrow 2000 from the loan app the app will give you only 800 for 7 days and, they will blackmail you very badly if you don’t pay, even if you have due time also. Very bad app.”
(Bahut log agree kar rahe hain!)
Baskar Baskar (17/01/26, 1 Star): “It is very worst loan app they cannot give any loan… they are showing the transfer the loan but they not transfer loan in my account… don’t call me for repayment otherwise we complaint the police then you are app is go to ban.”
(74 logon ne helpful bola – data collect karte hain lekin loan nahi dete!)
Shaik Afrin (10/01/26, 1 Star): “It is very worst loan app they cannot give any loan.”

Ye reviews sirf shuruaat hain. Bahut saare users bol rahe hain ki app data leak karta hai, family ko harass karta hai, aur high interest (kabhi 30-40% tak effective) lagata hai. 7 days ke loan mein double paise wapas maangte hain, warna threats shuru!

Heavy Charges Aur Trap Kaise Kaam Karta Hai?

Aap apply karte ho ₹3000 ke liye → Approval milta hai, lekin disbursement sirf ₹1000-1500 hota hai (baaki hidden fees).
Tenure 7 days promise, lekin calls 4-5 din mein shuru.
Interest + fees itna high ki repayment mushkil ho jaati hai.
Miss repayment → 100+ calls/day, OTP spam, contact list ko messages/calls (family, friends ko embarrass karne ke liye).
Kuch extreme cases mein photos misuse karke deepfake nude videos banane ki dhamki.

Ye typical unregulated loan app scam pattern hai jo India mein bahut common ho gaya hai. RBI registered nahi lagta, isliye koi protection nahi.

Kyun Avoid Karna Chahiye MandalCard?

Privacy Risk: Aapki photos, contacts, location sab collect karta hai.
Financial Trap: Short tenure + high charges se debt cycle shuru.
Harassment: Mental stress bahut zyada.
Fake Rating: Positive reviews fake lagte hain, critical real aur helpful votes zyada.

Agar emergency hai to RBI approved apps jaise Cred, Paytm Postpaid, ya bank se personal loan try karo. Ya friends/family se help lo.

FAQ: MandalCard Loan App Ke Baare Mein Common Sawal

Q1: MandalCard App Safe Hai Kya?
A: Nahi bilkul safe nahi. Critical reviews se pata chalta hai ki ye scam-like behavior karta hai – heavy charges, harassment, blackmail. Avoid karo!

Q2: MandalCard Mein Kitna Loan Milta Hai Aur Interest Kitna?
A: Official claim attractive, lekin real mein promised se bahut kam milta hai (jaise ₹3000 show → ₹1200 actual). Interest bahut high (effective 30%+ per week), plus hidden fees.

Q3: Repayment Miss Hone Par Kya Hota Hai?
A: Bahut harassment – calls, threats, contact list par messages, family ko disturb. Kuch users ne nude video blackmail ki baat boli hai.

Q4: Reviews Fake Hain Kya?
A: Positive reviews fake lagte hain (rating boost ke liye), lekin 1-star critical reviews real hain – bahut logon ne helpful vote kiya hai.

Q5: MandalCard Se Loan Lene Ke Alternatives Kya Hain?
A: Better hai RBI-regulated apps use karo jaise MoneyTap, CASHe (agar eligible), ya traditional banks. Kabhi bhi unknown app se data mat do.

Q6: Agar Already Loan Liya Hai To Kya Karna Chahiye?
A: Jaldi se repay karo agar possible, warna cyber crime cell ya police mein complaint karo harassment ke against. Data breach report karo.

Q7: Ye App RBI Approved Hai?
A: Koi clear sign nahi – developer small company hai, RBI list mein nahi dikhta. Hamesha RBI registered check karo.

Final Words: MandalCard ko “Simple & Secure” kehna bilkul galat hai. Ye ek 7 Day Loan App hai jo heavy charges ke saath users ko trap karta hai. Play Store ke critical reviews padho, jaise aapke share kiye – ye sab real pain stories hain. Please is app ko install mat karo, apne friends ko bhi warn karo. Emergency mein sahi rasta chuno, fraud se bacho!

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20 Feb, 2026 By rahulrani91@gmail.com

CreditVue – Loan Guard App Review: CreditVue Loan Real or Fake ?

Aaj kal India mein bahut saare instant loan apps aa rahe hain jo promise karte hain ki aapko turant paise mil jayenge, bina kisi paperwork ke. Ek aisa hi app hai CreditVue – Loan Guard, jo Play Store pe available hai (link: https://play.google.com/store/apps/details?id=com.creditvue.loanguard.creditguard). Ye app claim karta hai ki ye aapke credit profile ko improve karne mein help karta hai, lekin asal mein ye ek typical 7-day short-term loan app lagta hai jismein bahut high charges aur unfair practices hain.

Bohot log is app ko download karte hain emergency ke liye, lekin reviews padhne ke baad samajh aata hai ki ye safe nahi hai. Is article mein hum detail se baat karenge is app ke baare mein, specially uske critical reviews pe focus karte hue jo Play Store pe users ne likhe hain. Hum app ke official description pe zyada bharosa nahi kar rahe, balki real user experiences aur complaints pe based hai ye review.

CreditVue – Loan Guard Kya Hai? (App Overview)

Ye app ek digital lending platform ke roop mein dikhta hai, jahan users small amounts ke loans le sakte hain. Official taraf se ye “Loan Guard” bolta hai, matlab credit protection ya improvement tool, lekin users ke according ye sirf loan disbursement karta hai with very short tenure – mostly 7 days. Loan amount small hota hai jaise ₹1200-2000, lekin repayment mein double ya zyada charge kar deta hai.

Average rating Play Store pe around 4.0 stars dikhta hai, lekin ye misleading ho sakta hai kyunki kuch positive reviews shayad fake ya old hain. Real picture negative reviews se milta hai, jahan log fraud, harassment, hidden charges ki shikayat kar rahe hain.

Kyun Ye App Bahut Heavy Charges Lagati Hai? (High Interest aur Hidden Fees)

Is app ki sabse badi problem ye hai ki ye 7-day loan deta hai, matlab sirf ek hafta mein pura amount + heavy interest wapas karna padta hai. Users ke reviews se pata chalta hai:

Loan show karta hai ₹2000, lekin actual disbursement hota hai sirf ₹1200 (baaki hidden processing fees, service charges cut kar lete hain).
Repayment amount jump kar jata hai ₹2000 ya usse zyada within 7 days.
Koi proper loan agreement nahi dikhaate, no Key Fact Statement (KFS), no clear interest rate disclosure.
Ye sab RBI ke digital lending guidelines ke against hai, jahan transparency compulsory hai.

Ek user ne likha: “Illegally loan app. Shows loan of ₹2000 but disburses only ₹1200 after cutting hidden charges. No loan agreement, no KFS, no NBFC or RBI registration details. Very short tenure and unfair repayment demand.”

Ye high charges basically interest nahi, balki predatory lending jaisa hai jismein borrower trap ho jata hai aur agar time pe nahi pay kiya to harassment shuru.

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Play Store Critical Reviews – Real Users Ki Stories

App ke description mein sab achha dikhta hai, lekin reviews section mein alag hi picture hai. Humne kuch real critical reviews ko include kiya hai (jaise aapne photos share kiye), jo 2026 ke hain aur bahut helpful found hue hain users ke liye:

Jaydeep Gautam (04/02/26) – 3 stars: “Fraud loan app get 1200 and repayment 1 week 2000 this is totally fake don’t install this app.” (17 logon ne helpful bola)
Aman Panchal (13/02/26) – 1-2 stars: “App experience was stressful. Immediate payment pressure and blackmail-type behavior is unacceptable. Sudden payment demands and harassment calls create fear instead of proper customer support. Very poor service. Aggressive recovery and no proper repayment window.”
Appana Nagaraju (12/01/26) – 1 star: “Fake loan I don’t apply the automatic lee sent to my bank acc report the app and remove.”
Vishal Kumar ji (22/01/26) – 1 star: “Illegal loan app. Shows loan of ₹2000 but disburses only ₹1200 after cutting hidden charges. No loan agreement, no KFS, no NBFC or RBI registration details provided. Very short tenure and unfair repayment demand. This is against RBI digital lending guidelines. Do not install.” (27 logon ne helpful bola – ye bahut high helpful count hai!)
P. Satya sai kiran (12/02/26) – Mixed but negative: “App is very good but repayment date 7 days very bad emergency situation how to pay.”
Senthhamizh SS (08/01/26) – 1 star: “Don’t take loan very danger … 1200 disbursement amount … repayment amount is 2000 .. 7 days.”

In reviews se clear hai ki log paise lete hain emergency mein, lekin 7 days mein double pay karne ka pressure itna hota hai ki harassment calls, blackmail-type messages aate hain. Bahut se log bol rahe hain ki ye app fake ya illegal hai, kyunki RBI-registered NBFC se linked nahi dikhta.

Overall sentiment bahut negative hai – heavy charges, short tenure, harassment, hidden deductions sab common complaints hain.

Risks Aur Problems Jo Users Face Karte Hain

Harassment aur Blackmail: Time miss hone pe calls, messages, contacts ko share karne ki dhamki.
No Transparency: Koi proper docs nahi, interest rate clear nahi.
RBI Guidelines Violation: Digital lending mein KFS, fair practices compulsory hain, lekin ye follow nahi karte.
Data Privacy Risk: App permissions bahut maangta hai, personal data misuse ka khatra.
Trap Cycle: Ek baar le liya to next loan lene pe majboor ho jaate ho kyunki repayment mushkil.

Agar aap emergency mein ho to behtar hai banks, trusted apps jaise Bajaj Finserv, MoneyTap, ya RBI-registered NBFCs se loan lo.

Alternatives to CreditVue – Loan Guard

Safe options:

RBI-approved apps jaise Paytm Postpaid, CASHe, KreditBee (lekin inke bhi terms check karo).
Bank personal loans ya credit cards.
Government schemes jaise Mudra Loan agar eligible ho.

Hamesha check karo: App RBI list mein hai ya nahi (RBI website pe white-listed apps dekho).

FAQ – CreditVue Loan Guard Ke Baare Mein Common Questions

Q1: CreditVue – Loan Guard app safe hai kya?
A: Nahi, bahut se users isko scam ya illegal bol rahe hain. High charges, harassment complaints zyada hain. Avoid karo.

Q2: Isme kitna loan milta hai aur kitne din mein wapas karna padta hai?
A: Usually ₹1200-2000 disbursement, lekin 7 days mein ₹2000+ wapas. Heavy interest hidden fees ke through.

Q3: RBI registered hai ye app?
A: Reviews mein log bol rahe hain no RBI/NBFC details, no registration proof. Likely illegal category mein aata hai.

Q4: Agar loan liya aur harass kar rahe hain to kya karna chahiye?
A: Police cyber cell mein complaint karo (cybercrime.gov.in), RBI ombudsman, Google Play pe report karo app ko.

Q5: Kya ye app uninstall karne se problem solve ho jayegi?
A: Nahi, agar loan liya hai to recovery continue ho sakta hai. Pehle pay karo ya legal help lo, phir uninstall.

Q6: Positive reviews kyun hain agar itna bura hai?
A: Kuch fake ho sakte hain ya old users ke. Recent critical reviews zyada genuine lagte hain.

Q7: Better 7-day loan apps kaun se hain?
A: Koi bhi 7-day app risky hota hai high charges ke wajah se. Long-term trusted lenders choose karo.

Ye app dekhne mein attractive lagta hai lekin real user reviews se clear hai ki ye bahut heavy charges wala 7-day loan app hai jo borrowers ko trap karta hai. Agar aapne already install kiya hai to careful raho, aur agar loan lene ka soch rahe ho to bilkul mat lo. Apne paiso aur privacy ki safety pehle!

Agar aapke paas bhi is app se related experience hai, to comment mein share karo taaki dusre log aware ho sakein. Stay safe, borrow wisely!

19 Feb, 2026 By rahulrani91@gmail.com

VaniCredit – Credit Easy Loan App Review: VaniCredit Loan Real Ya Fake?

Aaj kal instant loan apps bahut popular ho gaye hain India mein, especially jab emergency cash ki zarurat padti hai. Ek aisa hi app hai VaniCredit – Credit Easy, jo Play Store pe available hai (package id: com.polyfilatex.vani). Ye app claim karta hai ki ye aapke credit ko manage karne mein help karega, budget track karega, aur smart financial decisions lene mein madad dega. Lekin asli picture bahut alag hai! Bahut se users isko fraud app bol rahe hain, high interest charges, unauthorized loan disbursement, aur harassment ki shikayatein aa rahi hain.

Is article mein hum detail se baat karenge VaniCredit app ke bare mein, uske claims vs reality, Play Store ke critical reviews pe focus karte hue, kyunki app description pe bharosa nahi karna chahiye. Ye ek typical 7-day short term loan app jaisa behave kar raha hai, jisme heavy charges lagte hain aur repayment double ya zyada maangte hain. Hum FAQ bhi add kar rahe hain aur last mein bataenge ki agar aapke saath fraud hua to kaise complaint karen. Ye article 1200+ words ka hai taaki aapko complete information mile aur aap safe rahein.

VaniCredit App Kya Hai? Official Claims

Play Store pe app ka description dekhen to ye ek credit management tool lagta hai. Ye kehta hai:

Credit status monitor karo
Budget track karo (income-expense)
User-friendly interface
Data security with encryption
Loan preparation ya credit history improve karne mein help

Lekin interest rates, loan amount, tenure jaise details nahi diye gaye hain clearly. Downloads 50K+ hain, updated Jan 2026 mein hua. Developer Polyfilatex, PT hai. Overall rating shayad high dikhta hai kuch fake positive reviews se, lekin critical reviews bilkul opposite hain.

Real mein ye app instant personal loan deta hai small amounts (jaise 1800-3000 rupees) short tenure (7-10 days) ke liye, lekin hidden heavy charges ke saath. Ye typical 7-day loan apps ki category mein aata hai jo bahut high interest (sometimes 200-300% effective) charge karte hain.

Critical Reviews from Play Store: Users Ki Real Kahani

App description pe bharosa mat karo – Play Store ke real user reviews dekho, especially negative ones jo bahut helpful votes pa rahe hain. February 2026 ke reviews se clear pattern dikhta hai fraud ka:

Sonu Kumar (1 star, 13/02/26): “I was looking for 5000 rupees loan, but without consent 3000 rupees deposit via different UPI IDs. Now demanding double amount. This is fake and fraud app. Small amount for 7-10 days, double maangte hain. Beware, don’t download!”
44 logon ne helpful bola.
Sadhna Singh (1 star, 13/02/26): “Fraud app… Applied for loan, shows 3000 credit but not happen, sent 1800 in wallet not to account. They take your info and start torching you. Don’t install!”
22 helpful votes.
Praveen Naidu (1 star, 12/02/26): “Worst experience, didn’t take loan but app shows previous loan pending. No loan tha phir bhi pay karna bol raha.”
19 helpful.
Kiran Kumar (1 star, 13/02/26): “Don’t apply! Took 3000, then showing interest 2000. Fraud app, too much interest.”
13 helpful.
Manoj Kumar Bendi (1 star, 15/02/26): “Complaint to RBI, Central Home Ministry, Finance Ministry for misusing privacy data. Without info deposit hota hai high interest ke saath.”
Fajis Ubaid (1 star, 14/02/26): “Totally fraud. Received 1800, want to pay 3000 more in 7 days. Don’t take money.”
Prasad Rekapalli (1 star, 12/02/26): “Fraud app, don’t install, data fraud. Completely don’t trust!” (Bahut saare angry emojis ke saath).

Positive review bhi hai jaise Parth Rathod (5 star): “Good app, fast approval and transfer.” Lekin ye sirf 9 helpful votes, aur negative reviews 10-40+ helpful pa rahe hain. Clear hai ki majority users fraud bol rahe hain.

Ye pattern common hai fake loan apps mein: Small amount disburse karo (sometimes partial ya wallet mein), phir repayment double maango with threats, contacts harass karo.

VaniCredit Loan App : Apk link 🖇️

Kyun Ye App Heavy Charges Karta Hai? 7-Day Loan Trap

VaniCredit jaise apps short-term loans dete hain 7 days ke liye. Example:

Apply 5000 ke liye → Sirf 1800-3000 disburse
Repayment: Principal + high interest (sometimes 100-200% in week)
Total: 3000 liye 5000-6000+ maangte

Ye predatory lending hai, jisme borrowers trap ho jaate hain. RBI guidelines ke according registered NBFC hona chahiye, fair interest, no harassment. Lekin in apps mein privacy data misuse, unauthorized transfers, aur recovery mein threats common hain.

2026 mein bhi bahut fake loan apps chal rahe hain despite RBI actions. VaniCredit specifically Play Store reviews mein fraud flag ho raha hai.

VaniCredit App Ke Risks Aur Red Flags

Unauthorized disbursements without full consent
High hidden charges aur double repayment demands
Data misuse – Contacts access karke harass
Fake positive ratings possible (kuch reviews suspicious)
No clear RBI registration mention in description
Harassment – Calls, messages torching

Agar aap short term loan le rahe ho to genuine apps choose karo jaise Bajaj Finserv, MoneyTap, ya RBI-registered NBFCs.

FAQ: VaniCredit App Ke Bare Mein Common Questions

Q1: VaniCredit app real hai ya fake?
A: App Play Store pe hai, lekin users ke according fraud hai. Small loan dekar double maangte hain, harassment karte hain. Critical reviews pe trust karo.

Q2: Ye kitna interest charge karta hai?
A: Official nahi batate, lekin users bol rahe 2000+ interest 3000 loan pe 7 days mein. Bahut heavy!

Q3: Kya ye 7-day loan app hai?
A: Haan, short tenure (7-10 days) ke loans, high charges ke saath.

Q4: Safe hai download karna?
A: Nahi! Bahut se users warn kar rahe hain don’t install, data fraud aur harassment.

Q5: Positive reviews kyun hain?
A: Kuch genuine ho sakte, lekin zyadatar negative critical hain. Fake positives bhi possible.

Q6: Loan approve hone ke baad kya hota hai?
A: Partial amount disburse, phir full repayment + extra maangte, threats dete.

Q7: Data privacy ka kya?
A: Users bol rahe contacts access karke harass, privacy misuse.

Agar Aapke Saath Fraud Hua To Kaise Complaint Karen?

Agar VaniCredit ya similar app ne fraud kiya (unauthorized deposit, harassment, data misuse), turant ye steps lo:

App uninstall karo, all permissions revoke (Settings > Apps > Permissions).
Payments stop karo – Agar possible, bank se block karo UPI/transactions.
Cyber Crime Report karo: National Cyber Crime Reporting Portal pe jaao – https://cybercrime.gov.in/ ya call 1930. Details do app ka, screenshots, messages.
RBI Complaint: RBI ke CMS portal pe – https://cms.rbi.org.in/ ya Sachet portal https://sachet.rbi.org.in/complaints/add. Digital lending fraud select karo.
Police Complaint: Local police station ya cyber cell mein FIR file karo, especially agar threats aa rahe.
Ministry complaints: Home Ministry ya Finance Ministry ke portals pe bhi report kar sakte.
Google Play Report: App page pe report karo as inappropriate/fraud.
Evidence save karo: Screenshots of app, transactions, messages, calls.

Jaldi action lo, kyuki ye apps disappear ho sakte hain. RBI aur government active hain fake apps pe, lekin aapko report karna padta hai.

Final Advice

VaniCredit – Credit Easy ko avoid karo! Ye ek 7-day loan trap app lagta hai heavy charges aur fraud ke saath. Play Store ke critical reviews (jaise Sonu, Sadhna, Kiran etc.) padho – ye real experiences hain. Description pe mat jao, users ki warnings pe trust karo.

Agar emergency cash chahiye to RBI-registered apps ya banks se lo, high interest wale trap se bacho. Financially safe raho, aware raho!

Agar aapke paas is app se related personal experience hai to comment mein share karo taaki dusre aware ho sakein. Stay safe! 🚫💸

19 Feb, 2026 By rahulrani91@gmail.com

Credibloan App Review 2026: CredibLoan Real Hai Ya Fake? 7 Day Loan App

Aaj kal India mein instant loan apps bahut popular ho gaye hain, especially jab urgent paise ki zarurat padti hai. Ek aisa app jo Play Store pe milta hai wo hai Credibloan (developer: Shashwat Infosystem Private Limited). Ye app claim karta hai ki ye instant personal loan deta hai up to ₹200,000 tak, with quick approval aur easy process. Lekin users ke reviews aur complaints dekh kar lagta hai ki ye ek typical 7 day loan app hai jo bahut heavy charges lagata hai aur bahut se logon ke liye problem ban jata hai.

Is article mein hum Credibloan app ka honest review denge, specially 2026 ke latest Play Store reviews ke basis pe. Hum app ke official description pe zyada bharosa nahi kar rahe, balki real users ke critical reviews pe focus kar rahe hain jo Play Store pe dikhte hain. Bahut se users isko fraud, fake, aur unsafe bol rahe hain. Chaliye detail mein samajhte hain.

Credibloan App Kya Hai? Official Claims vs Reality

Official taur pe Credibloan ek credit line app hai jo urgent needs ke liye instant financial help deta hai. Ye keh raha hai ki advanced technology se aapka profile check karke credit limit decide karta hai, aur loans NBFC partner (jaise Kalkut Vinimay Pvt Ltd) ke through milte hain. Developer Shashwat Infosystem Private Limited hai, jo Maharashtra se hai.

App ka description attractive lagta hai – no paperwork, quick disbursement, personalized advice, good customer support. Lekin reality alag hai. Bahut se users report kar rahe hain ki ye short-term loans (mostly 7 days ya 1 week) deta hai, jisme heavy service charges, hidden fees, aur high interest lagta hai. Example:

Ek user ne bataya: 3000 loan ke liye sirf 1800 mile, 1400 service charge laga, aur full 3000 repay karna padta hai 6-7 days mein.
Dusra: 6000 loan dikha, lekin actual paise account mein nahi aaye, phir bhi repayment demand kar rahe hain.
Teesra: Loan approve hua, lekin sirf partial amount mila (jaise 2400 out of 3000), phir bhi full + interest repay karna padta hai.

Ye typical 7 day loan app pattern hai jisme upfront deduction hota hai, effective interest bahut high ho jata hai (kabhi 100%+ bhi), aur repayment short period mein maanga jata hai.

Play Store Reviews Se Critical Points – Users Ki Real Kahani

Play Store pe Credibloan ke reviews dekhiye to overall rating 4.6 dikhta hai, lekin recent reviews (February 2026 ke around) mein bahut negative feedback hai. Hum yahan kuch real user reviews ke basis pe points bata rahe hain (jaise aapne share kiye photos mein):

High Charges aur Deductions

Eshwar Reddy ne likha: “For 3000 loan I get 1800 and 1400 service charge… pay 3000 in 6 days… irritating contacts… fake app, don’t download.” (13 logon ne helpful bola)
Jala Jagadish: “Loan 3000, got only 2400, repay 4000 in a week… full fraud pls don’t install.”

Fake Disbursement aur No Money Received

Simar Bajwal: “Only shows disbursed, but money never comes… starts asking repayment… not received any money at all.”
Kunal Pachori: “Completed formalities, app gave 6000 (two loans of 3000), demanding 10000 in a week… fraud app… I hadn’t asked for loan, they give funds without asking.”

Harassment aur Increasing Amount

Asif Al Qure: “Making repayments but new UPI every time… loan amount keeps increasing… no customer support.”
Bahut se users bol rahe hain ki agar late ho to contacts ko details bhejte hain, irritating calls karte hain.

Positive Reviews Suspicious

Kuch reviews bahut positive hain jaise Sukanya Das ka: “Personalized advice, good support…” lekin ye generic lagte hain aur negative ke against balanced nahi. Developer responses bhi standard hote hain: “Sorry for inconvenience, please share details” – lekin real solution nahi.

In reviews se clear hai ki app short tenure (7 days jaise) pe heavy charges lagata hai, partial disbursement karta hai, aur agar repay na ho to harassment shuru ho jata hai. Ye India mein common illegal/fraud loan apps ka sign hai.

Kyun Credibloan Ko Avoid Karna Chahiye?

Heavy Charges: 7 day loans mein service fee 30-50% tak lag sakta hai, jo effective interest ko bahut badha deta hai.
Harassment Risk: Contacts ko threaten messages, privacy breach.
Fraud Possibility: Money nahi aata lekin repayment show hota hai, ya unwanted loan approve.
No Transparency: Official description mein long tenure (150 days) example hai, lekin users short term face kar rahe hain.
RBI Angle: Bahut se loan apps RBI guidelines follow nahi karte, especially agar unregistered hain. Credibloan ke partner NBFC hai, lekin users ke complaints se lagta hai misuse ho raha hai.

Agar aapko urgent loan chahiye to RBI-approved apps ya banks jaise MoneyTap, PaySense (genuine ones), ya official NBFC apps choose karein. Fake loan apps se bachne ke liye hamesha Play Store reviews deeply check karein, especially 1-2 star wale.

FAQ – Credibloan App Ke Bare Mein Common Sawal

1. Credibloan app real hai ya fake?
Bahut se users ise fake bol rahe hain kyunki money nahi milta lekin repayment demand hoti hai, heavy charges lagte hain. Official claim genuine lagta hai lekin critical reviews fraud indicate karte hain.

2. Credibloan mein kitna interest lagta hai?
Official example mein low interest dikhaaya hai, lekin real users 7 day loans pe 30-50%+ effective charges report kar rahe hain (service fee + interest).

3. Credibloan se loan lene ke baad harassment hota hai?
Haan, bahut complaints hain – irritating calls, contacts ko details bhejna, amount increase karna.

4. Credibloan safe hai download karne ke liye?
Nahi recommend. Play Store pe negative reviews zyada hain, fraud aur unsafe bola ja raha hai.

5. Agar Credibloan se loan liya hai to kya karein?
Agar possible ho to jaldi repay karein, lekin agar fraud lag raha hai to cyber crime portal pe complain karein (cybercrime.gov.in) ya consumer forum mein.

6. Better alternatives kaun se hain?
Genuine apps jaise – Bajaj Finserv, IDFC First, Muthoot Finance apps, ya bank apps (SBI, HDFC). Hamesha RBI registered check karein.

7. Credibloan developer kaun hai?
Shashwat Infosystem Private Limited, Maharashtra based.

Conclusion: Credibloan jaise 7 day loan apps se door rahein. Ye attractive lagte hain lekin users ke reviews se pata chalta hai ki ye heavy charges, partial payments, aur harassment ke saath aate hain. Apne paise aur privacy ki safety first rakhein. Agar aapne experience kiya hai to comment mein share karein taaki dusre log aware ho sakein.

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19 Feb, 2026 By rahulrani91@gmail.com

Kubiz Loan App Review : Kubiz Loan Real or Fake ?

Introduction: Kubiz App Kya Hai?
Aajkal instant loan apps bahut popular ho gaye hain, especially emergency cash chahiye ho to. Ek aisa hi app hai Kubiz: Loan App, Instant Cash, jo Play Store pe available hai. Ye app salaried Indians ke liye banaya gaya hai, jisme aap jaldi se personal loan le sakte ho bank account mein direct credit ke saath. Developer hai Kubiz Capital Private Limited, jo RBI registered NBFC (Non-Banking Financial Company) hai (CIN: U65999MH2010PTC204859). App ka tagline hai quick, easy aur safe loan, lekin reality mein iske charges bahut heavy hote hain, jo bahut se users ko pareshan kar dete hain.

Play Store pe iska rating around 3.2 stars hai (jaise aapne screenshot mein dikhaya), aur downloads 5K+ hain. Ye short-term loan deta hai, mostly 3-4 months ke tenure pe, jisme interest aur fees milakar total repayment amount bahut zyada ho jata hai. Aapne bhi is app se loan liya hai, jisme ₹10,000 sanction hua, lekin disbursed amount ₹9,056 tha (fees deduct karke), aur repayment heavy tha. Is article mein hum is app ki full details, aapke experience, reviews, charges, aur FAQ cover karenge.

Kubiz App Kaise Kaam Karta Hai?

Kubiz app 100% digital process follow karta hai – no paperwork, no branch visit. Process yeh hai:

App install karo aur mobile number se register karo.
Basic details bhro (name, income, etc.).
KYC verify karo Aadhaar OTP se, selfie lo, PAN aur bank account details do.
Loan apply karo – approval mostly minutes mein hota hai agar eligible ho.
Charges accept karo, e-sign loan agreement karo.
Loan direct bank account mein credit ho jata hai (minutes ya hours mein).

Eligibility criteria simple hai:

Indian citizen ho, age 18+ years.
Valid PAN aur Aadhaar card.
Minimum monthly income ₹15,000 (salaried preferred).
Loan amount ₹10,000 se ₹1,00,000 tak, tenure 3-4 months.

Loan Amounts, Interest aur Heavy Charges
Yahan sabse important part hai – charges bahut high hain! Play Store description ke according:

Loan Amount: ₹10,000 to ₹1,00,000
Tenure: 3 to 4 months
Interest Rate: 1.5% to 3% per month (APR up to 36%)
Processing Fee: Starting 7.5% of loan amount (exclusive GST)
Service Fee: Starting 6% (exclusive GST)
GST: 18% on fees
Other Fees: Kuch cases mein tech platform fee, documentation fee bhi add ho jate hain.

Aapke case mein jo screenshot hai, wahan clear dikhta hai:

Sanctioned: ₹10,000 (eligible up to ₹11,000)
Disbursed: ₹9,056 (fees deduct karke)
Total to return: ₹14,729.89 (3 months mein)
Interest per day: 0.2% (jo monthly ~6% ban jata hai, lekin overall high)
Processing Fee + GST: ₹1,037
Tech Platform Fee + GST: ₹1,199.97
Documentation Fee + GST: ₹1,199.97

Total fees aur interest milakar loan amount se almost 47% zyada repay karna pad raha hai! Representative example Play Store pe: ₹10,000 loan pe disbursed ₹8,997, total repay ₹14,081 (3 months). Ye bahut costly hai, especially jab banks se personal loan 10-15% annual interest pe mil jata hai.

Aapka Personal Experience (User se Shared)
Aapne bataya ki 17 February 2026 ko ₹10,000 sanctioned hua, 3 months tenure pe. 5 minutes mein approval, e-sign ke baad 2 minutes mein ₹9,056 credit ho gaya. Aap surprised the ki genuine app nikla, lekin charges dekhkar heavy feel hua hoga. Ye typical instant loan apps ki tarah fast hai, lekin cost high hone se long-term mein burden ban jata hai. Agar repayment miss ho jaye, to harassment ya recovery calls aa sakte hain (jaise kai loan apps mein hota hai).

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User Reviews: Mixed Feedback
Play Store reviews se kuch examples (jaise aapne share kiye screenshots):

Positive: Ek user (Vaishakh Udayakumar) ne 5 stars diye – 17/02/26 ko ₹10,000 loan mila, 5 min approval, 2 min credit, surprised genuine app se.
Neutral/Positive: “Mast h” (Ha Meri Jaan) – mast experience.
Negative: “Totally fake 😂” (Bill Save) – 1 star.
“Fake loan app, please don’t install” (Vikas Mahor) – 1 star.
“Very bad yet I faces no emandate” (Vishal Jaiswal) – low rating, but no mandate issue.
“My age is 20 but loan nahi mil raha” (Shubham Kumar) – eligibility issue.

Overall, kuch log fast disbursement se khush hain, lekin bahut se fake ya high charges ki shikayat karte hain. Kuch reviews mein harassment ya hidden fees ki baat nahi dikhi, lekin charges heavy hone se log warn karte hain.

Pros aur Cons
Pros:

Instant approval aur disbursement (minutes mein).
No paperwork, fully digital.
RBI registered NBFC partner, to kuch extent legitimate.
Salaried logon ke liye easy access.

Cons:

Bahut high interest aur fees (total repayment 40-50% zyada).
Short tenure, EMI heavy.
Mixed reviews – kuch fake bolte hain.
Low rating (3.2 stars), complaints about charges.

FAQ: Common Questions About Kubiz Loan App

Kubiz app real hai ya fake?
Real hai, RBI registered NBFC Kubiz Capital Pvt Ltd operate karta hai, lekin charges bahut high hain. Fake nahi, lekin costly hai.
Loan kitne time mein milta hai?
Approval 5-10 minutes, disbursement 2 minutes se hours tak.
Interest rate kya hai?
1.5% to 3% per month, plus heavy processing/service fees (total effective rate bahut zyada).
Eligibility kya chahiye?
18+ age, ₹15,000+ monthly income, PAN, Aadhaar, bank account.
Fees kitne lagte hain?
Processing 7.5%+, service 6%+, GST 18%, total disbursed amount se 10-20% deduct ho jata hai.
Repayment kaise karna hai?
3-4 EMIs mein bank se auto deduct.
Safe hai kya?
RBI compliant hai, data encrypted, lekin high charges ki wajah se carefully use karo. Better options jaise banks ya low-interest apps try karo.
Agar repayment miss ho to?
Late fees aur recovery calls aa sakte hain – timely pay karo.

Conclusion
Kubiz app fast cash ke liye acha option hai agar emergency ho, lekin heavy charges (jaise aapke case mein ₹10,000 pe ₹14,700+ return) ki wajah se soch samajh kar use karo. Better hai pehle banks se compare karo ya low-interest apps dekho. Agar aapne loan liya hai, to time pe repay karo taaki credit score kharab na ho. Hamesha Play Store se official app download karo aur terms padho.

16 Feb, 2026 By rahulrani91@gmail.com

3 Best Loan App+ Cashvia 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.

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?

Play Store se app download karo.
Mobile number se register karo, OTP verify.
Basic details bharo – name, PAN, Aadhaar.
Bank account link karo (statements auto fetch ho sakte hain).
Selfie aur KYC complete.
Loan amount aur tenure choose karo.
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:

Kredito24 – Fast approval, low interest, first loan free offers ke saath. Perfect for beginners aur no CIBIL history walon ke liye.
LoanOne – Salary advance aur personal loans, low CIBIL pe bhi milta hai, flexible terms.
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!

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