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.

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.

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! 🚨