CrediLoan App Scam Exposed: High Interest, Threats Aur Blackmail Ke Sachche Reviews!

Namaste doston! Aaj hum baat kar rahe hain ek aise loan app ke baare mein jo bahut se logon ko attract karta hai apne “instant loan” ke promise se, lekin asliyat mein ye ek bada trap hai. Ye app hai CrediLoan: Personal Loan App, jo Play Store par available hai (link: https://play.google.com/store/apps/details?id=com.credandr.instantonline). Ye app claim karta hai ki wo simple, fast aur safe loans provide karta hai, short-term personal loans ke liye. Lekin sacchai ye hai ki ye ek 7-day loan app hai jo bahut heavy charges lagata hai, aur users ko harass karta hai. Hum is article mein app ke description par zyada bharosa nahi karenge, balki Play Store ke critical reviews par focus karenge, jo dikhaate hain ki ye app scam jaise kaam karti hai.

India mein instant loan apps ka craze badh raha hai, especially un logon ke liye jo quick cash chahte hain. Lekin jaise BBC aur Al Jazeera jaise sources ne report kiya hai, kai saare loan apps users ko trap karte hain high interest, data theft aur threats se. CrediLoan bhi isi category mein lagta hai, jahan users complain kar rahe hain ki disbursed amount kam hota hai, repayment double, aur agar time par nahi repay kiya to blackmailing shuru. Hum yahan par unhi real reviews ko highlight karenge jo users ne diye hain, aur unko Hinglish mein explain karenge taaki aap asani se samajh sakein. Ye article 1400+ words ka hoga, aur end mein FAQs bhi add kiye jaayenge.

CrediLoan App Ka Basic Overview

Pehle thoda app ke baare mein jaan lein. Play Store par ye app Zingool Innovations ke naam se developed hai. Wo claim karte hain ki ye secure mobile app hai jo fast short-term loans deta hai, smart technology se powered. Loans 7 days ke liye hote hain, aur approval quick hota hai. Lekin yahan par red flag ye hai ki app users ke personal data, jaise contacts, photos aur call logs access maangta hai. Description mein to sab achha lagta hai – no paperwork, instant disbursal, lekin reviews bataate hain ki ye sab jhooth hai.

India mein RBI ke rules ke according, loan apps ko transparent hona chahiye, interest rates capped hone chahiye (usually 36% per annum se kam), lekin ye apps illegal tareeke se operate karte hain. CrediLoan jaise apps Chinese connections ke saath linked hote hain kai cases mein, jahan data misuse hota hai. Ab chaliye seedha reviews par, jo asli picture dikhaate hain.

Critical Reviews From Play Store: Users Ki Real Kahaniyan

Humne Play Store se critical reviews collect kiye hain, aur specially wo jo negative hain. Ye reviews December 2025 ke hain, aur users ne bahut gusse mein likhe hain. Main inko Hinglish mein rewrite kar raha hoon taaki Indian audience ko achhe se samajh aaye. Ye reviews dikhaate hain ki app kaise users ko cheat karti hai.

1. Review by Anonymous User (14/12/25, 1 Star):
   “Worst app hai ye! Loan amount approve karte hain zyada, lekin disbursed amount bahut kam hota hai. Repayment to double maangte hain. Interest itna high hai ki samajh nahi aata. Aur agar due date se pehle repay nahi kiya to threaten karte hain – pics ko nude bana kar upload kar denge, call log se sab contacts ko call karenge. Ridiculous hai ye log! Customer service bhi nahi hai, fake app hai. Mat recommend karo kisi ko. Kya tum chahte ho main SMS post karoon jo mujhe mila?” Ye review se clear hai ki app threats use karti hai, jo illegal hai India mein.
2. Review by Pallavi Koda (26/12/25, 1 Star):
   “Ye app ne promised amount se bahut kam credit kiya, aur baad mein higher repayment maanga. Partial repayment ke baad bhi payable amount badh gaya. Recovery WhatsApp se hoti hai, threatening language mein. Proper legal communication nahi, fees aur terms unclear hain. Bahut careful raho, sab risks padho install karne se pehle.” Yahan par lack of transparency highlight hai, jo ek bada issue hai loan apps mein.
3. Review by Naveen Raj (26/12/25, 1 Star):
   “Maine ₹6000 ke loan ke liye apply kiya, lekin sirf ₹2400 credit hue bank account mein. App mein koi clear repayment breakdown nahi dikha, interest details ya deductions nahi bataaye. Direct deposit kar diya without confirmation. Repayment date 01/01/2026 show kar raha hai, lekin app ke andar koi schedule ya calculation visible nahi. Interest extremely high aur hidden. Ye users ko exploit karne ka trap lagta hai, genuine nahi.” Ye dikhaata hai ki app non-transparent hai, jo RBI guidelines violate karti hai.
4. Review by Angeline Solomon (14/12/25, 1 Star):
   “Worst app ever! Loan amount disbursed bahut lesser than applied, lekin repayment double. Interest too high, aur agar respond nahi kiya to threaten karte hain – pics nude upload karenge, call log se sabko call. Ridiculous, customer service bhi nahi. Fake app hai, mat use karo. Kya chahte ho main SMS post karoon?” Similar to first one, threats ka pattern clear hai.
5. Review by Maha Lakshmi (25/12/25, 1 Star):
   “Worst app. Loan amount less disbursed, repayment double. Interest high, due date se pehle repay maangte hain with threats – nude pics upload, call log contacts call. Customer service nahi, fake hai. Mat recommend.” Repeat pattern.
6. Another Review (19/12/25, 1 Star):
   “Totally cheating app! Install kiya, details daale, credit eligibility check kiya. Limit 5000 approve, lekin automatically 3000 credit hue UPI se. Approved 5000, repay next 6 days mein 5000, with 2000 Rs interest in 6 days. No proper updates. Bahut disappointing.” Yahan interest calculate karo: 2000 interest for 3000 loan in 6 days – ye almost 400% annualised se zyada hai, jo illegal hai!

In sab reviews mein common cheezein hain:

• Kam Disbursal: Apply ₹6000, get ₹2400.
• High Repayment: Repay double or more in 6-7 days.
• Threats aur Harassment: Nude pics, contacts call – ye cybercrime hai.
• No Transparency: No interest breakdown, no schedule.
• Developer Response: Zingool Innovations har review par same reply dete hain – “Hi, please provide details for low rating, we will improve.” Lekin koi action nahi.

Ye reviews se lagta hai ki app 7-day cycle par kaam karti hai, jahan interest rates 100-200% per week jaise hote hain, jo RBI ke against hai. India mein legal loan apps RBI registered NBFC se tied hote hain, lekin ye apps often unregulated hote hain.

Kyun Hai Ye App Dangerous? General Loan App Scams Ki Baat

Jaise web sources se pata chala (jaise BBC report on instant loan scams), India mein hazaron log suicide kar chuke hain aise apps ke harassment se. Ye apps phone hack karte hain, contacts access lete hain, aur morphed photos bhejte hain family ko. CrediLoan mein bhi same complaints hain.

• Heavy Charges: Ek review mein 6 days mein 2000 interest on 3000 – ye 66% interest per transaction hai!
• Data Misuse: App permissions se gallery, contacts access, phir blackmail.
• No Customer Support: Calls nahi, only WhatsApp threats.
• Fake Promises: Description mein “safe” bolte hain, lekin reality opposite.

Government ne kai apps ban kiye hain, jaise Loan Ripple, CredNiti, etc. CrediLoan abhi tak available hai, lekin reviews se avoid karna chahiye.

Kaise Bach Sakte Ho Aise Scams Se?

• Check RBI Registration: App NBFC ke saath registered ho?
• Read Reviews: 1-star filter karo Play Store par.
• Avoid Upfront Fees: Koi processing fee pehle mat do.
• Report Karo: Cybercrime portal par complain karo if harassed.
• Alternatives: Banks jaise SBI, HDFC se loans lo, ya legit apps jaise MoneyTap.

Ye app install mat karo, especially agar emergency mein ho. Better options hain.

CrediLoan App Ke Pros Aur Cons

Pros: Quick approval (lekin fake).
Cons: High interest, threats, low disbursal, no transparency.

Overall rating Play Store par 4.4 hai, lekin ye fake reviews se ho sakta hai, kyunki critical ones bahut hain.

Ab chaliye FAQs par.

FAQs About CrediLoan App

Q1: CrediLoan App kya hai?
A: Ye ek instant personal loan app hai jo short-term loans deta hai, lekin reviews se lagta hai scam hai with high charges.

Q2: Kyun log complain kar rahe hain?
A: Kam disbursal, double repayment, threats jaise nude pics upload.

Q3: Interest rate kitna hai?
A: Reviews se 100-200% per week jaise, jo illegal hai.

Q4: Safe hai use karna?
A: Nahi, data misuse aur harassment ka risk.

Q5: Developer kaun hai?
A: Zingool Innovations, lekin unke responses generic hain.

Q6: Kaise report karoon if scammed?
A: National Cybercrime Portal (cybercrime.gov.in) par complain.

Q7: Better alternatives kaun se hain?
A: Legit NBFC jaise Bajaj Finserv, PaySense.

Q8: App download karna chahiye?
A: Bilkul nahi, reviews padho pehle.