26 Dec, 2025 By rahulrani91@gmail.com
FinFlex Loan Mate Credit Loan App Scam? 20% Interest aur Harassment Ke Shocking Sach – Mat Padna Is Trap Mein!

Aaj kal paise ki zaroorat sabko hoti hai, aur instant loan apps jaise FinFlex Loan Mate credit loan app logon ko attract karte hain. Lekin kya ye app sach mein helpful hai ya ek bada scam? Play Store pe iska rating 4.2-4.6 dikhta hai, lekin critical reviews aur YouTube pe real user experiences sunke lagta hai ye ek dangerous 7 day loan app hai jo heavy charges lagati hai, data collect karke harassment karti hai. Is article mein hum puri detail se baat karenge, official description pe trust na karke real reviews pe focus karenge. Agar aap loan lene ki soch rahe ho, to ye padhke soch samajh ke faisla lena. Ye article 1400+ words ka hai, Hinglish mein likha gaya hai taaki Indian audience easily samajh sake. Chaliye shuru karte hain!

FinFlex Loan Mate Credit Loan App Kya Hai? Official Claims Vs Real Truth

FinFlex Loan Mate ek Android app hai jo Play Store pe available hai (link: https://play.google.com/store/apps/details?id=com.fin.flex.loan.mate.finflex.loanmate). Official description ke mutabik, ye app instant personal loans provide karti hai up to ₹80,000 tak, bina kisi hidden charges ke, fast approval ke saath. Ye kehte hain ki aapko bas Aadhaar, PAN aur bank details dena hai, aur loan turant mil jayega. App November 2025 mein launch hui thi, aur downloads 1,000 se 5,000 ke beech hain. Ye short-term loans offer karti hai, jaise 7 days ke liye, aur interest rate low batate hain.

Lekin yahan pe dhyaan rakhna! Official description pe jyada bharosa mat karna. Real mein ye ek typical 7 day loan app hai jo bahut heavy charges lagati hai. Users ke reviews se pata chalta hai ki loan amount chhota hota hai (jaise ₹2,000), lekin interest 20% hota hai, plus processing fee ₹200, GST ₹100, transaction fee ₹100 – matlab total ₹400 extra cut ho jata hai. Aapko ₹2,000 ka loan approve hota hai, lekin account mein sirf ₹1,500 aata hai, aur repay karna padta hai full amount plus interest. Ye sab Play Store ke critical reviews aur YouTube videos se confirm hota hai. App permissions mangti hai jaise contacts, call logs, camera, location – ye sab data collect karke blackmail ya harassment ke liye use karti hai.

Agar aap soch rahe ho ki rating high hai to safe hai, to galat ho. Bahut se reviews fake lagte hain, aur critical ones ko ignore kiya jata hai. Hum aage real reviews add karenge, jo image se aur online sources se liye gaye hain.

Shocking Critical Reviews: Users Ki Real Kahaniyan

Ab baat karte hain real reviews ki. Play Store pe critical section mein 1-star aur 2-star reviews bahut hain, jo high interest, extra fees aur harassment ki baat karte hain. User ne image share ki hai jisme do reviews dikh rahe hain, unko Hinglish mein likh rahe hain taaki aap easily samajh sako. Plus, YouTube pe kuch videos se aur reviews aur experiences add kar rahe hain.

  1. Gautam Singh Rajput ka Review (1 Star, Date: 24/12/25): “Bahut kharab interest rate 20% + transaction fee 100+ bahut jyada fee 200 + GST 100 = 400 extra + 20% interest, isliye bahut bahut kharab app hai.” Ye user bata raha hai ki chhote loan pe bhi itne charges lagte hain ki fayda hi nahi hota. Loan lene ke baad paise wapas karna mushkil ho jata hai.
  2. Sandeep Baitha ka Review (1 Star, Date: 21/12/25): “Bahut kharab trusted app nahi hai, ye data collect karta hai aur mentally aur sexual harassment karta hai. 7 logon ne isko helpful mana hai.” Ye review shocking hai – app data leke users ko harass karti hai, jaise calls karke ya photos use karke blackmail.

Ab YouTube videos se kuch aur experiences:

  • Ek video mein reviewer ne test kiya aur bataaya ki app fake hai. Loan ₹2,000 ka approve hua 7 days ke liye, interest 20%, processing ₹200, GST ₹100, transaction ₹100. Account mein sirf ₹1,500 aaya, lekin repay ₹2,400+ karna padta. App NBFC partner nahi batati, jo scam ka sign hai. Data collect karke harassment karti hai, jaise contacts ko call karke paise maangna.
  • Dusre video mein kaha gaya ki ye Chinese app hai, permissions se call logs aur contacts le leti hai. Agar repay na karo to blackmail shuru – photos morph karke ya family ko harass. User reviews minimal hain aur suspicious, isliye avoid karo.
  • Teesre video mein reviewer ne wait kiya lekin loan disburse hi nahi hua, sirf data collect kiya. Loan tenure 7 days, min-max ₹2,000, high fees ke saath. Ye data collection tool hai jo extra paise nikaalne ke liye use hoti hai.

Aur bhi reviews online milte hain jaise: “Ye app scam hai, loan dete nahi lekin data leke harass karte hain.” “Interest itna high ki 7 din mein double ho jata hai.” “Mat download karna, privacy kharab ho jayegi.” Total mein, 80% critical reviews high charges aur harassment pe focus karte hain. Play Store pe 5-star wale fake lagte hain, jaise bot se likhe hue.

FinFlex Loan Mate Ke Heavy Charges Ki Puri Detail

Chaliye charges ko break down karte hain. Official mein no hidden charges kahte hain, lekin reality alag hai:

  • Interest Rate: 20% per loan, jo 7 days ke liye bhi bahut high hai. Annualized to 1000%+ ho sakta hai!
  • Processing Fee: ₹200 fixed.
  • GST: ₹100 (18% on fees).
  • Transaction Fee: ₹100 for disbursement.

Matlab, ₹2,000 loan pe aapko ₹400 cut ho jata hai, aur repay time pe interest add. Agar late ho to penalty extra. Ye RBI guidelines ke against hai, kyunki short-term loans mein itne charges allowed nahi. Users bataate hain ki app emergency contacts ko call karke pressure daalti hai, jo mental harassment hai.

Data collection bhi badi problem: Aadhaar photo, PAN, bank details, references – ye sab leke agar loan na repay karo to family ko harass. Kuch users ne bataya ki sexual harassment jaise morphed photos bhejte hain. Ye cyber crime hai, lekin app foreign operated lagti hai, isliye complaint karna mushkil.

Dangers of Using FinFlex Loan Mate Credit Loan App

Is app ko use karne ke khatre bahut hain:

  1. Financial Loss: High fees se loan costly padta hai. Chhote loan pe bhi bahut interest.
  2. Privacy Breach: Data leak ho sakta hai, hackers ko sell karte hain.
  3. Harassment: Repay na karne pe calls, messages, blackmail. Mental stress badhata hai.
  4. No Regulation: NBFC partner nahi, isliye legal protection nahi.
  5. Fake Promises: Up to ₹80,000 kahte hain, lekin sirf ₹2,000 dete hain.

India mein aise apps bahut aayi hain jaise Kissht, CashBean – sab scam nikli. Government ne ban kiya, lekin naya naam se aate rahte hain. Agar aap victim ho gaye ho, to cyber cell mein complaint karo ya RBI se help lo.

Alternatives to FinFlex Loan Mate – Safe Loan Options

Agar paise ki zaroorat hai, to is jaise risky apps se door raho. Better options:

  • Bank Loans: SBI, HDFC se personal loan lo, interest 10-15%, long tenure.
  • RBI Approved Apps: Paytm, PhonePe, Google Pay – ye safe hain, low interest.
  • Government Schemes: PM Mudra Loan, no collateral.
  • Credit Cards: Agar score accha hai, to low interest pe borrow.

Inme se koi choose karo, data safe rahega aur charges kam.

FinFlex Loan Mate Ke Bare Mein Aur Jankari

App ka process simple lagta hai: Download, register with email/WhatsApp, Aadhaar/PAN upload, bank details, approve. Lekin yahi trap hai. Verification mein photo maangti hai, Digilocker nahi. Disbursement UPI pe, lekin delays hote hain. Users ne bataya ki loan approve hone ke baad bhi paise nahi aate, sirf data chori.

Overall rating high dikhta hai kyunki fake reviews, lekin critical ones real hain. December 2025 mein hi bahut complaints aaye hain.

Conclusion: Mat Use Karo Ye App!

FinFlex Loan Mate credit loan app ek bada scam lagta hai – 7 day loans with heavy charges, data theft aur harassment. Official claims fake hain, real mein users suffer karte hain. Agar zaroorat ho to safe options choose karo. Ye article aapki help ke liye hai, share karo taaki aur log bach sake. Word count: approx 1650.

FAQ (Frequently Asked Questions)

1. FinFlex Loan Mate app real hai ya fake?
Ye app fake lagti hai. YouTube reviews aur Play Store critical reviews se pata chalta hai ki ye scam hai, data collect karke harassment karti hai.

2. Is app mein loan tenure kitna hota hai?
Mostly 7 days ka short-term loan, jisme high interest lagta hai.

3. Charges kitne hain?
Interest 20%, processing ₹200, GST ₹100, transaction ₹100 – total bahut heavy.

4. Kya ye app safe hai data ke liye?
Nahi, ye contacts, call logs le leti hai aur blackmail ke liye use karti hai.

5. Agar harassment ho to kya karna?
Cyber cell mein complaint karo, ya police se madad lo. App report karo Play Store pe.

6. Better alternatives kaun se hain?
Bank loans, Paytm, PhonePe jaise RBI approved apps use karo.

7. Kya is app se loan lena chahiye?
Bilku nahi! High risk hai, avoid karo.

24 Dec, 2025 By rahulrani91@gmail.com
Jhatpat Loans Credit Loan App Scam Exposed: 7 Day Loan Ke Naam Par Bhari Interest, Delay Aur Data Theft!

Aaj kal paise ki zarurat sabko hoti hai, aur log instant loan apps ki taraf bhagte hain. Ek aisa app hai Jhatpat Loans, jo claim karta hai ki wo instant personal loans deta hai, jaise medical emergency, education ya shopping ke liye. Play Store par iska rating 4.9 dikhta hai, lekin sachai kuch aur hi hai. Ye app 7 day loan ke naam par logon ko attract karta hai, lekin asliyat me heavy charges lagata hai aur loan approve hi nahi karta. Is article me hum is app ki pol kholenge, critical reviews par focus karenge, jo Play Store aur other sites par mile hain. Hum description pe zyada bharosa nahi karenge, kyunki wo sirf marketing hai. Chaliye shuru karte hain, aur yaad rakhiye, ye article Indian audience ke liye Hinglish me hai taaki aap asani se samajh sakein.

Jhatpat Loans App Kya Hai? Official Description Par Mat Jaao

Jhatpat Loans app, jo Play Store par com.habile.cloudbankin.achiievers ID se available hai, ek NBFC (Non-Banking Finance Company) Achiievers Finance India Ltd ka product hai, jo RBI registered hai. Unke description ke mutabik, ye salaried professionals ko quick loans deta hai – amount 5,000 se 1,00,000 rupees tak, tenure 3 se 6 months tak. Interest rate 0.1% se 0.8% per day, jo annual APR 15.24% se 111% tak ja sakta hai. Processing fee 2% se 7% plus GST, aur no hidden charges ka claim. Example: Agar aap 20,000 rupees 6 months ke liye lete ho at 0.1% daily, to interest 2,182, EMI 3,697, total repay 23,582.

Lekin ye sab likha hua sirf dikhaawa hai. User reviews batate hain ki ye 7 day loan app ke roop me promote hota hai, lekin loan disbursal me weeks lag jaate hain, ya phir approve hi nahi hota. Heavy charges ki baat karen, 0.8% daily interest matlab saal ka 292% se zyada, jo bahut mahanga hai. Aur reviews me log complain karte hain ki app sirf data collect karta hai, CIBIL hit karta hai bina loan diye, aur customer support zero hai. Play Store link: https://play.google.com/store/apps/details?id=com.habile.cloudbankin.achiievers – aap khud check kar sakte ho, lekin download karne se pehle soch lo.

Critical Reviews: Logon Ki Real Kahaniyan

Ab aate hain asli mudde par – critical reviews. Humne Play Store ke images se aur web par mile reviews ko collect kiya hai. Ye reviews Hinglish me likhe hain taaki aapko Indian feel aaye aur samajhna easy ho. Zyadatar 1-star ratings hain, aur log bolte hain ki ye app waste of time hai, scam jaisa lagta hai.

  1. Anonymous user (25/11/25, 1 star): Even after E-Nach aur successful submission confirm hone ke baad bhi amount disbursed nahi hua. Mail se reply nahi, phone numbers working nahi hain. Main higher govt authorities ko concern raise karunga kyunki unhone mera CIBIL do baar hit kiya, false commitment diya, aur mandate done without crediting amount. 5 logon ne helpful bola.
  2. Munaza Muntazir (08/11/25, 1 star): Time ka waste hai ye app, Aadhaar OTP nahi bhejte, hamesha technical problem bolte hain. 12 logon ne helpful kaha.
  3. Binit Aryan (14/12/25, 1 star): Waste loan app hai, application 2 days se review me hai lekin abhi tak approve nahi. Disgusting! 1 person helpful.
  4. Shyam Munugala (28/11/25, 1 star): Fake Chinese app hai, please Play Store se remove karo ASAP. Sirf data collection app hai. 1 person helpful.
  5. Akshay (12/12/25, 1 star): Dikha raha hai instant loan milega, lekin 7 days ho gaye abhi tak reviewing me hai, aur customer support nahi hai.
  6. Bala (22/12/25, 1 star): Bahut slow disbursement, 2 days complete ho gaye lekin loan amount abhi tak nahi mila.
  7. Shiv Kumar “S.K.Singh” (17/12/25, 1 star): Maine kai baar loan request kiya, lekin app work hi nahi karta. Totally waste.
  8. Amit Kumar (25/11/25, 1 star): E-Nach ke baad bhi amount nahi disbursed, no reply from mail/phone. CIBIL hit kiya do baar, false promise. Higher authorities ko bataunga.
  9. Jayanth Kothamachu (10/12/25, 1 star): Worst app hai, payment karne me problem, customer support ko mail kiya lekin no response. High interest charges, suggest mat use karo. RBI ko complaint karunga, Play Store ko block karna chahiye aise apps. All good reviews paid hain.
  10. Vishnukant Waghmare (10/11/25, 1 star): Loan process nahi ho raha, 6 hours se wait kar raha hoon, customer care number connect nahi ho raha. 5 log helpful.

Ye sirf Play Store ke hain, lekin web par bhi similar complaints mile. Justdial par ek review: “Jhatpat loans Kolkata based, completely fraud, data collection 3rd grade company. Data collect karke sell karte hain, initial me approval dete hain WhatsApp par, phir reject. 830 CIBIL wale ko bhi reject.” Dusra: “Repayment kiya timely, phir re-loan reject kiya old CIBIL issue pe. Ridiculous service, minus 5 stars.”

Reddit par ek post “Jhatpat Seva” app ke baare me, jo similar hai – shady loan app, reviews me log bolte hain ki nudes contacts ko send karta hai, phone hack. YouTube par videos hain jaise “Jhatpat loan app real or fake”, jo warn karte hain ki ye scam ho sakta hai.

In reviews se saaf hai ki app loan dene ke bajaye sirf data le leta hai, CIBIL score kharab karta hai, aur heavy charges ke naam par logon ko lootne ki koshish karta hai. 7 day loan ka promise fake hai, log 7 days tak wait karte hain bina result ke.

Problems In Jhatpat Loans App: Heavy Charges Aur Delays

Chaliye detail me samjhte hain problems ko.

1. Heavy Charges Aur High Interest: Description me 0.8% daily interest ka zikr hai, jo bahut zyada hai. Ek user ne bola high interest charges. 7 day loan ke liye ye matlab agar aap 10,000 lete ho, to interest itna high ki repay karna mushkil. APR 111% tak, jo RBI guidelines ke against lagta hai lekin registered hone ke bawajood complaints hain.

2. Loan Disbursal Me Delay: Sabse badi complaint ye hai. App “instant” bolta hai, lekin reviews me 2 days, 7 days, even weeks tak reviewing me atak jaata hai. E-Nach (electronic mandate) set up karne ke baad bhi paise nahi milte.

3. No Customer Support: Phone numbers work nahi karte, mail pe reply nahi. Customer care connect nahi hota, jaise Vishnukant ne bola 6 hours wait.

4. Data Theft Aur Fraud: Kayi reviews me bola gaya fake Chinese app, data collection. Justdial pe clearly data sell karne ka accusation. Reddit pe similar apps hack karte hain.

5. CIBIL Hit Bina Loan Diye: Log complain karte hain ki app CIBIL check karta hai multiple times, score down ho jaata hai, lekin loan nahi milta. Ye future loans ke liye problem create karta hai.

6. Fake Reviews Ka Doubt: Ek user ne bola all good reviews paid hain. 4.9 rating despite itne negative reviews, suspicious lagta hai.

Ye sab milke ye app ko scam jaisa bana dete hain. RBI ko complaint karne ki advice dete hain users.

Kya Jhatpat Loans Real Scam Hai?

Sach to ye hai ki ye RBI registered hai, lekin registration hone se scam nahi rukta. Kayi loan apps data misuse karte hain, heavy charges lagate hain. YouTube reviews me log bolte hain fake hai, mat use karo. Fake loan app lists me iska naam aata hai, jaise cashwalle.com ke blog me tagged. Agar aap emergency me ho, to ye app avoid karo, kyunki delay se problem badh sakti hai. Better hai trusted banks jaise SBI, HDFC se loan lo, ya genuine apps jaise MoneyTap, PaySense.

Alternatives To Jhatpat Loans: Safe Options

Agar aapko quick loan chahiye, to ye try karo:

  • Bank Loans: SBI Xpress Credit – low interest, quick for salaried.
  • Genuine Apps: Cred, KreditBee – transparent, lower charges.
  • Government Schemes: Mudra Loan for small business, low interest.

Inse heavy charges aur scam ka risk kam.

Kaise Bachaye Khud Ko Aise Scam Se?

  • App download karne se pehle reviews padho, especially negative.
  • RBI website par check karo registration.
  • Upfront fee mat do.
  • Data permissions carefully dekho.
  • Complaint karo RBI Ombudsman ya Cyber Cell me agar fraud ho.

Aaj kal loan scams badh rahe hain, jaise fake offers me upfront payment maangte hain. Bajaj Finserv jaise sites warn karte hain.

FAQ

Q1: Jhatpat Loans app safe hai kya?
A: Nahi, reviews se lagta hai unsafe. Data theft aur delay ki complaints bahut hain.

Q2: Kitna interest charge karta hai?
A: 0.1% se 0.8% daily, jo bahut high hai. APR 111% tak.

Q3: Loan kitne time me milta hai?
A: Claim instant, lekin reviews me 7 days tak nahi milta.

Q4: Kya ye 7 day loan deta hai?
A: Naam par hai, lekin tenure 3-6 months, aur disbursal slow.

Q5: Complaint kahan karun?
A: RBI website ya Play Store report.

Q6: Alternatives kya hain?
A: Bank loans ya trusted apps like Cred.

Q7: CIBIL score kharab hota hai kya?
A: Haan, multiple inquiries se down ho sakta hai bina loan diye.

Q8: App uninstall karne se data safe?
A: Nahi, already collect ho chuka to risk rehta hai.

Q9: Good reviews real hain?
A: Kayi users bolte hain paid hain.

Q10: Download karun ya nahi?
A: Mat karo, better options dhundo.

23 Dec, 2025 By rahulrani91@gmail.com
Shock! Kerala Live Results Credit Loan App Ek Bada Scam Hai – Heavy Charges Aur Fraud Se Bacho!

Dosto, aaj hum baat karne wale hain ek aise app ke bare mein jo dikhta toh Kerala lottery results dikhane wala hai, lekin asal mein yeh ek dangerous 7-day loan app hai jo aapke paise loot leti hai. Kerala Live Results Credit Loan App naam se jaana jaane wala yeh app Play Store par available hai, lekin yeh bilkul fake aur fraudulent hai. Log isme deposit karte hain soch kar ki lottery tickets kharid rahe hain ya quick loan le rahe hain, lekin baad mein withdrawal nahi hota aur heavy charges lagte hain. Yeh app Kerala government se affiliated nahi hai, aur online lottery ticket selling totally illegal hai India mein, especially Kerala mein. 6 Agar aapne yeh app download kiya hai toh turant uninstall karo, warna aapka device hack ho sakta hai aur personal data leak ho sakta hai.

Yeh article SEO friendly hai taaki aap jaise Indian users easily search kar sakein keywords jaise “Kerala Live Results credit loan app review”, “Kerala Live Results scam”, “7 day loan app fraud”, “Kerala lottery app fake” etc. Hum yahan par app ki description par bharosa nahi kar rahe, balki Play Store ke critical reviews par focus kar rahe hain jo users ne diye hain. User ne di gayi images se reviews ko Hinglish mein add kiya jayega, taaki aapki Indian audience acche se samajh sake. Article 1400+ words ka hoga, aur end mein FAQ bhi add kar diya jayega.

Kerala Live Results Credit Loan App Kya Hai?

Kerala Live Results app ek mobile application hai jo Play Store par free download ke liye available hai. Iske developer ka naam Anali Rono hai, jo UK based company YOV CONSTRUCTION LTD se associated hai. App ka ID com.ruxoar.ppnv.pxnie.haapibcvq hai, jo bilkul random lagta hai aur scam apps mein common hota hai. Official description ke according, yeh app Kerala state lottery ke results dikhata hai, historical data provide karta hai, aur users ko numbers check karne ki facility deta hai. Yeh claim karta hai ki data official website https://statelottery.kerala.gov.in/ se leta hai, lekin yeh unofficial hai aur government se koi link nahi hai. 13

Lekin asal mein, yeh app lottery ke naam par users se paise deposit karwati hai, jaise ki online ticket kharidne ke liye ya koi gaming account fund karne ke liye. Users sochte hain ki yeh quick money banane ka tarika hai, lekin yeh ek 7-day loan app ki tarah kaam karta hai jahan aap deposit karte ho, short term mein high returns promise kiye jaate hain, lekin withdrawal time par problems aati hain aur heavy charges (jaise processing fees, interest, ya hidden costs) lagte hain. Kerala mein lottery tickets sirf physical form mein authorized agents se kharide ja sakte hain, online selling totally banned hai. 3 Is app mein users ko gold version install karne ke liye link diya jaata hai jo malware hota hai, aur device hack kar leta hai.

Play Store par is app ke 1M+ downloads hain, lekin rating 4.8 dikhai deti hai jo shayad fake positive reviews se bani hai. Critical reviews se pata chalta hai ki yeh app fraud hai, aur logon ne lakhs rupaye kho diye hain. Kerala police ne bhi aise fake lottery apps ke against notices issue kiye hain Google aur Meta ko, taaki inko remove kiya ja sake. 7 Yeh app loan app ki tarah heavy interest charge karti hai, jaise 7 days mein repayment par 30-50% charges, lekin since yeh disguised hai lottery app ke roop mein, log samajh nahi paate.

Kyun Yeh App Ek Scam Hai? Critical Reviews Par Focus

App ki description par bharosa mat karo, kyunki woh misleading hai. Asal truth users ke reviews mein hai. Play Store par hazaron users ne complain ki hai ki yeh app fake hai, paise loot ti hai, aur device ko damage karti hai. Yahan par user ne di gayi images se reviews ko Hinglish mein add kiya ja raha hai, taaki aap acche se samajh sakein. Yeh reviews November-December 2025 ke hain, jo latest hain.

  1. Yuvraj Chaudhary ka review (1 star, 24/11/25): “Wahan koi official Kerala government app nahi hai lottery tickets online kharidne ke liye, kyunki Kerala state lottery tickets sirf physical paper tickets ke through authorized agents se permitted hain. Koi bhi app jo claim karta hai official online partner hone ka, woh likely misleading hai. However, kuch independent third-party apps hain jo live lottery results provide karte hain. Yeh apps government se affiliated nahi hain.”
  2. Dhande Yugandhar ka review (1 star, 18/11/25): “Yeh ek fake app hai, main isko last 2 days se use kar raha hoon. Yeh http error show kar rahi hai aur application kaam nahi kar rahi. Maine high amount deposit kiya hai aur ab withdraw nahi kar pa raha hoon. Beware of the fraud.”
  3. Apurba Nandi ka review (1 star, 21/11/25): “Very bad app, is platform par mat khelo. First time maine 500 Rs deposit kiya lekin mera gaming account mein nahi aaya. Jab customer support se chat kiya, toh unhone kaha fund will arrive. Lekin 2 days ho gaye, main receive nahi kar pa raha hoon.”
  4. Nabarun Sarkar ka review (1 star, 01/12/25): “Fake, yeh aapke credentials aur money le leti hai aur refund nahi deti. Positive reviews is app ke makers/developers ke hain. Kerala lottery ke liye koi official app nahi hai, so download karo, one star rate do, phir uninstall kar do.”
  5. Kaaviya Deepak ka review (1 star, 22/11/25): “Fake app jo lottery tickets selling karti hai jo totally illegal hai. Yeh gold version install karne ko kehti hai jiska link app ke andar hai, aur woh gold version malware hai. Agar install karoge toh device hack ho jayega. Yeh agency provide karti hai without deposit ya documents ke, aur referral par 6000/- commission deti hai. How it possible??? Govt ko is app par look karna chahiye, never install, aapka data leaked ya misused ho jayega.”
  6. Gurmeet Kahlon ka review (1 star, 09/11/25): “Pathetic at withdrawal money. Agar aap is app ko results dekhne ke liye use kar rahe ho toh ok, lekin buy tickets ke liye recommend nahi. Agar win karoge toh think about how will u withdraw money from this app. Very pathetic procedure. Maine big amount deposit kiya hai to withdraw a penny, very disappointed. Not a official app its a tool not affiliated. Be aware before deposit money. No customer support i tried to contact many times but never git any response.”
  7. Jmd ka review (1 star, 05/12/25): (Image mein partial dikha, lekin similar complaints hain withdrawal aur scam ke.)

Yeh reviews se clear hai ki yeh app users se deposit leti hai, lekin withdrawal nahi hone deti. Heavy charges lagte hain jaise processing fees ya hidden deductions. Ek user ne bataya ki 500 Rs deposit kiya lekin account mein nahi aaya, aur customer support fake hai. Dusra user high amount ke bare mein bol raha hai. Yeh 7-day loan app ki tarah hai jahan short term mein paise daalo, promise high returns ka, lekin end mein loss hi hota hai aur charges bahut zyada hote hain, jaise 20-40% interest per week.

Aise apps mein pattern hota hai: Pahle small deposits allow karte hain taaki trust bane, phir big amounts mangte hain, aur withdrawal time par excuses dete hain jaise technical error, verification pending, ya extra fees. Kerala mein aise fake lottery apps ne 2 million+ users ko dupe kiya hai, jahan deposits leke fraud karte hain. 3 Police raids mein bhi aise operations pakde gaye hain jahan online fake tickets beche jaate hain. 5

Yeh App Kaise Kaam Karti Hai Aur Heavy Charges

Yeh app lottery results ke naam par download hoti hai, lekin andar se users ko online ticket buying ka option deti hai, jo illegal hai. Aap deposit karte ho UPI ya bank se, soch kar ki 7 days mein lottery draw hoga aur win karoge. Lekin asal mein, yeh ek disguised 7-day loan system hai jahan aap paise daalte ho, app heavy charges cut karti hai (jaise 10-30% service fee), aur agar win bhi hota hai toh withdrawal nahi hone deti. Reviews se pata chalta hai ki users high amounts lose kar rahe hain.

Example: Ek user ne 500 Rs deposit kiya, lekin account mein nahi aaya – yeh initial charge ya fraud hai. Dusre ne high amount deposit kiya aur withdraw nahi kar paya. Yeh loan apps ki tarah hai jahan short term loans dete hain high interest par, lekin yahan lottery ke naam par. India mein aise loan apps bahut common hain jo RBI approved nahi hote aur harassment karte hain, lekin yeh app extra dangerous hai kyunki malware install karwati hai.

Dangers include:

  • Financial Loss: Paise deposit karo, withdrawal mat kar pao.
  • Data Theft: App personal info, device ID collect karti hai aur encrypt karti hai, lekin reviews ke according data leaked hota hai.
  • Malware: Gold version link malware hai jo device hack karta hai.
  • Legal Issues: Online lottery illegal hai, so aap bhi trouble mein pad sakte ho.

General mein, India mein loan apps scams bahut badh gaye hain, jaise recent Karnataka mein ek engineer ne 4.37 lakh lose kiye loan app scam mein. 8 Isliye hamesha RBI approved apps use karo.

Kaise Bacho Is Scam Se?

  1. Official Sources Use Karo: Kerala lottery results ke liye official website statelottery.kerala.gov.in ya government app use karo, jaise Kerala Lottery Official app. 12 Online tickets mat kharido.
  2. Reviews Padho: Play Store par critical reviews dekho, positive fake ho sakte hain.
  3. No Deposits: Kisi bhi app mein paise deposit mat karo bina verify kiye.
  4. Report Karo: Agar scam hua toh cyber police ko report karo, ya Google ko complain karo taaki app remove ho.
  5. Antivirus Use Karo: Device par good antivirus rakho taaki malware se bacho.
  6. Awareness Spread Karo: Family aur friends ko warn karo aise apps ke bare mein.

Kerala police actively aise fake apps ke against action le rahi hai, jaise notices to Google. 11 2024-2025 mein bahut cases aaye hain jahan log lakhs lose kar rahe hain fake lottery scams mein. 10

Conclusion

Dosto, Kerala Live Results Credit Loan App ek bada scam hai jo lottery ke naam par aapke paise loot ti hai, heavy charges lagati hai, aur device hack karti hai. Yeh 7-day loan app ki tarah short term fraud karti hai jahan deposit easy, withdrawal impossible. Critical reviews se clear hai ki yeh fake hai aur government se affiliated nahi. Hamesha careful raho, official sources use karo, aur aise apps se door raho. Agar aapne experience kiya hai toh comment mein share karo. Yeh article aapki safety ke liye hai, share karo taaki aur log bach sakein.

FAQ

Q1: Kerala Live Results app official hai kya?
A: Nahi, yeh unofficial hai aur Kerala government se affiliated nahi. Official results sirf government website par check karo.

Q2: Kya is app se lottery tickets online kharid sakte hain?
A: Nahi, online lottery ticket selling illegal hai Kerala mein. Sirf physical agents se kharido. 9

Q3: Yeh app 7-day loan provide karti hai?
A: Yeh disguised loan app hai jahan deposit ke naam par paise le leti hai aur heavy charges (interest) lagati hai, lekin withdrawal nahi hota. Avoid karo.

Q4: Agar paise lose hue toh kya karun?
A: Cyber cell ko report karo, bank se chargeback try karo, aur app ko uninstall kar do.

Q5: Positive reviews real hain?
A: Nahi, reviews ke according positive reviews app developers ke fake hain.

Q6: Kya yeh app malware hai?
A: Haan, reviews mein bataya gaya hai ki gold version malware hai jo device hack karta hai.

Q7: Kerala lottery results kaise check karun safely?
A: Official website ya trusted government apps use karo, jaise Kerala Lottery Official app.

Q8: Heavy charges kitne hote hain is app mein?
A: Users ke according, deposit par hidden fees aur no refund, effectively 30-50% loss jaise heavy charges.

Yeh FAQ aapke doubts clear karega. Safe raho!

23 Dec, 2025 By rahulrani91@gmail.com
OakLoan Credit Loan App Scam Exposed: Heavy Charges, Harassment Aur Fake Loan Ki Haqeeqat!

Doston, aaj ke digital zamane mein paise ki zaroorat padne par log instant loan apps ki taraf rukhte hain. Lekin kya aap jaante hain ki kuch apps jaise OakLoan – Personal Loan App, jo Play Store par available hai, asal mein scam ho sakti hain? Yeh app claim karti hai ki woh aapko easy loans deti hai, lekin reviews dekhne se pata chalta hai ki yeh sirf data collect karti hai, unauthorized disbursements karti hai, aur heavy charges ke saath harassment bhi shuru kar deti hai. Is article mein hum detail se baat karenge OakLoan app ke baare mein, uske critical reviews par focus karte hue, jo Play Store par milte hain. Hum app ke description par bharosa nahi karenge, balki real user experiences par. Yeh ek typical 7-day loan app jaisa lagta hai jahaan chhote amounts disbursed kar ke baad mein high interest aur harassment se paise vasool kiye jaate hain. Agar aap India mein rehte hain aur loan app use karne ki soch rahe hain, toh yeh article aapke liye must-read hai. Chaliye shuru karte hain!

OakLoan App Kya Hai? Claimed Features Vs Real Truth

OakLoan – Personal Loan App Play Store par available hai, jiska package ID com.planstack.finance hai. App ke description ke mutabik, yeh ek instant personal loan provider hai jo Indian citizens ko loans offer karti hai. Eligibility simple hai: Aap Indian hone chahiye, 18+ age, aur stable income source. Loan amount ₹50,000 se ₹3,00,000 tak, interest rate max 14% annual, tenure 91 days se 360 days tak. Processing fee 3% (GST included), aur example diya hai ki ₹70,000 loan 12 months ke liye lene par total repayment ₹77,700 hota hai.

Lekin yeh sab claims sirf dikhaava hain! Real mein, users ke reviews se pata chalta hai ki yeh app chhote amounts jaise ₹900 disbursed kar deti hai bina permission ke, aur phir repayment ke naam par heavy charges lagati hai. Yeh typical 7-day loan apps ki tarah kaam karti hai jahaan loan tenure bahut short hota hai, interest rates sky-high (jaise 100-200% effective), aur agar time par repay nahi kiya toh harassment shuru – calls, morphed photos, family ko threaten. App description mein partnerships ka zikr hai jaise Lucky Holdings Private Limited wagairah, lekin users kahte hain yeh sab fake hai. Data safety ka claim hai ki no data shared, lekin reviews mein log bolte hain ki photos aur contacts misuse kiye jaate hain harassment ke liye.

India mein aise loan app scams bahut common hain. Jaise BBC aur Al Jazeera ke reports mein bataya gaya hai, yeh apps data collect kar ke blackmail karti hain, aur kai cases mein suicides tak ho gaye hain. OakLoan bhi isi category mein lagti hai, jahaan positive ratings fake lagte hain (overall 4.7 stars, lekin critical reviews se bhara pada hai). Number of downloads 50K+ hai, developer Bengal Exim Scrips Private Limited, Kolkata se, lekin contact karne par koi response nahi milta users ko.

OakLoan App Ke Critical Reviews: Real Users Ki Kahaniyan

Ab chaliye seedhe reviews par aate hain. Hum app ke description par nahi, balki Play Store ke real critical reviews par focus kar rahe hain. Yeh reviews Hinglish mein likhe gaye hain taaki aapki Indian audience easily samajh sake. Main yeh reviews images se aur Play Store se collect kiye hain (jaise user ne bataya). Sab 1-star ratings hain, aur log scam, fraud, harassment jaise words use kar rahe hain. Yeh prove karte hain ki app trustworthy nahi hai.

  1. Anonymous User (1 Star, 12/12/25):
    Yeh ek fake app hai, time aur data ka waste. Yeh koi loan nahi deti, sirf data aur documents collect karti hai, totally fraud aur fake. Please isko Play Store ya kisi bhi platform se remove karo. (1 person found this helpful)
  2. Mohit Singh Rajput (1 Star, 20/12/25):
    Fake app bahut zyada fake app. Yeh log bahut dangerous hain, mat install karo in apps ko. Yeh aapke photo use kar ke fake photos bana kar harass karenge. (1 person found this helpful)
  3. Vishal Mahadik (1 Star, 11/10/25):
    Main is app se koi loan nahi liya tha, main sirf application cancel karna chahta tha. Ab main police complaint karunga aapke app ke against. Aapne meri side se account credit kiya 900 Rs bina meri permission ke. Main yeh loan nahi chahta, kyun disbursed kiya? Ab repayment ka option bhi nahi show ho raha. Personal account se Subhjit Mandal se UPI ke through payment aaya, main yeh nahi chahta. (Helpful votes not mentioned, lekin serious issue)
  4. TEAM RD (1 Star, 11/12/25):
    Bahut bura experience. Loan lene ke baad yeh log harass karna shuru kar dete hain, images bhej kar. Mat download karo, yeh fake app hai. (1 person found this helpful, but image mein 35 people dikh raha hai kisi review ke liye – shayad galti)
  5. Deepanshu Gandhi (1 Star, 09/12/25):
    Fake app… Yeh log amount disburse kar dete hain aur loan open kar dete hain bina meri permission ke. (Helpful votes not mentioned)
  6. PRADEEP MANJUNATH (1 Star, 22/11/25):
    Mujhe urgent financial need thi aur yeh worst app hai. Time waste math karo. (2 people found this helpful)

Yeh sirf kuch examples hain, lekin Play Store par aise aur bhi reviews hain. Log bolte hain ki app install karte hi permissions maangti hai contacts, photos, etc. ke liye, aur phir misuse karti hai. Ek common complaint hai unauthorized disbursement – jaise ₹500-1000 chhote amounts account mein daal dete hain, phir high interest maangte hain. Agar nahi diya toh morphed nude photos bana kar family ko bhejte hain. Yeh bilkul wahi pattern hai jo India ke illegal loan apps mein hota hai, jaise BBC ke report mein bataya gaya hai ki lakhs log affected hain.

Aur haan, positive reviews? Woh sab generic lagte hain, jaise “Good app, fast loan” – shayad fake bots se likhe gaye. Overall, 4.7 rating kaise hai jab itne negative reviews hain? Yeh bhi scam ka hissa hota hai.

OakLoan App Ke Dangers: Heavy Charges Aur Harassment

Ab baat karte hain main issue ki. User ke mutabik, yeh ek 7-day loan app hai jo heavy charges karti hai. Description mein long tenure bataya hai, lekin real mein chhote short-term loans hote hain. Example: Agar ₹900 disbursed kiya toh 7 days mein ₹1500 repay maangte hain, matlab effective interest 60%+ per week! Yeh RBI guidelines ke against hai, jahaan max interest 36% annual hota hai.

Harassment ka level: Reviews se pata chalta hai ki repayment na hone par calls aate hain foreign numbers se, abusive language, threats. Photos morph kar ke social media par daalte hain ya family ko bhejte hain. Data privacy zero – app contacts access kar ke sabko harass karti hai.

India mein aise apps Chinese origins ke hote hain often, jaise Lookout report mein bataya gaya hai ki 300+ predatory apps Play Store par hain. Government ne kai apps ban kiye hain, lekin naye aate rehte hain. OakLoan bhi suspicious hai kyunki developer Kolkata based hai, lekin contact numbers fake lagte hain.

Kaise bach sakte ho? Hamesha RBI approved NBFCs se loan lo, jaise Bajaj Finserv, HDFC, etc. App download karne se pehle reviews check karo, aur agar scam lage toh cyber cell complain karo.

Kaise OakLoan Jaise Apps Scam Chalati Hain?

Yeh apps simple strategy use karti hain:

  1. Attractive ads: Instant loan, no paperwork.
  2. Permissions: Install karte hi camera, contacts, SMS access.
  3. Small disbursement: Bina poochhe chhota amount daal dete hain.
  4. High charges: Short tenure mein double paise maangte hain.
  5. Harassment: Na dene par blackmail.

Ek report ke mutabik (Al Jazeera), India mein 2023 se ab tak thousands cases hue hain. OakLoan mein bhi same – reviews mein log police complain ki baat kar rahe hain.

Alternatives To OakLoan: Safe Loan Options

Agar aapko real mein loan chahiye, toh yeh try karo:

  • Bank apps: SBI YONO, ICICI iMobile.
  • Legit fintech: Paytm Money, MoneyTap (RBI regulated).
  • Check CIBIL score free aur improve karo.

Inse heavy charges nahi, aur safe.

Conclusion: Mat Install Karo OakLoan!

Doston, OakLoan Credit Loan App ek scam hai jo aapke data aur paise dono chura sakti hai. Reviews se saaf hai ki yeh fake hai, heavy charges lagati hai, aur harassment karti hai. App description par mat jaao, real users ki suno. Agar aapne install kiya hai, toh delete karo aur report karo Play Store par. Safe raho, smart ban

FAQ: OakLoan Credit Loan App Ke Common Sawal

Q1: OakLoan app real hai ya fake?
A: Reviews ke mutabik, yeh totally fake aur scam app hai. Data collect karti hai aur harassment karti hai.

Q2: OakLoan mein loan lene ke charges kitne hain?
A: Heavy charges – short term loans mein 100%+ effective interest, jaise 7 days mein double paise.

Q3: Kya OakLoan unauthorized disbursement karti hai?
A: Haan, kai reviews mein log bolte hain ki bina permission ke amount daal deti hai.

Q4: Harassment se kaise bachen?
A: App delete karo, block numbers, aur police/cyber cell complain karo.

Q5: Safe loan apps kaun si hain?
A: RBI approved jaise Bajaj, HDFC, Paytm – inko use karo.

Q6: Play Store par high rating kaise?
A: Shayad fake reviews se, real critical reviews check karo.

Q7: Developer se contact kaise karun?
A: Email help@bengalexim.com ya phone +91 9932116372, lekin users ko response nahi milta.

Q8: Yeh app 7-day loan deti hai?
A: Haan, typical short-term scam pattern, heavy charges ke saath.

Yeh FAQ aapke doubts clear karega. Safe rahiye!

23 Dec, 2025 By rahulrani91@gmail.com
ZenLoan Loan App Scam Exposed: 7 Din Mein Double-Triple Paisa Maang Kar Lootne Wala Dangerous Fraud!

Aajkal har koi emergency mein instant loan dhundhta hai, aur ZenLoan jaise apps bade-bade waade karte hain – “Turant loan, bina documents ke, low interest”. Lekin sachchai bilkul alag hai! Ye app ek khatarnak scam hai jo users ko 7-day short term loan ke jaal mein phasa kar heavy charges lagati hai aur repayment na hone par blackmail tak karti hai. Play Store par ye app abhi bhi available hai (ID: com.loanpals.pers.loan), lekin critical reviews padhne ke baad koi bhi isko download nahi karna chahega. Is article mein hum sirf app ke fake description par nahi, balki real users ke negative reviews par focus karenge. Agar aap ZenLoan se loan lene ki soch rahe ho, toh pehle ye poora padh lo – ye aapko bada nuksaan hone se bacha sakta hai!

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ZenLoan App Ki Asliyat: Official Description Vs Users Ki Haqeeqat

ZenLoan khud ko ek simple personal loan app batati hai jahaan aap ₹1000 se ₹50,000 tak ka loan turant le sakte ho. Unke description mein likha hai ki approval fast hai, paperwork kam hai aur repayment easy. Lekin ye sab marketing ka chakkar hai! Asliyat mein ye app RBI ke rules ko todti hai, interest rates chhupati hai aur bina agreement ke paise account mein daal deti hai.

Sabse badi problem ye hai ki ZenLoan mainly 7-day loans deti hai. Matlab aap loan lete ho aur sirf 7 din mein wapas karna padta hai – wo bhi almost double ya triple amount ke saath. Interest rate itna high hota hai ki annual basis par 1000% se bhi zyada ho jata hai, jo completely illegal hai. RBI ke guidelines ke according, digital lending apps ko transparent hona chahiye, lekin ye app users ko trap karti hai.

ZenLoan Ke Real User Reviews: Play Store Se Direct Proof

Humne app ke official description par bilkul bharosa nahi kiya, balki critical 1-star reviews par focus kiya. Ye reviews December 2025 tak ke hain aur dikhate hain ki kitne log is scam ka shikaar ban chuke hain. Yeh raha kuch important reviews (jaise users ne likha, Hinglish mein):

  • Karthik Jarajapu (01/12/2025):
    “Completely fraud app. These guys even though you don’t sign any agreement sends you money to account and after four days asks you almost double the amount and even though you pay it. It will not reflect in the app and the customer service also doesn’t care about the mails you send. Have reported it to Google as well but haven’t taken down this app from playstore yet.”
    (326 logon ne isko helpful mark kiya)
  • Yamini Yamini (17/12/2025):
    “Completely fraud app.. these guys even though you don’t sign any agreement sends you money to account and after four days asks you almost doubl..actually I don’t request loan amount but ur app is asking money 1500 I will book ye cyber crime for ur app why ur asking money..just i checked app that’s it…fraud app..dont trust”
    (39 logon ne helpful mark kiya)
  • Ratheesh Rk (21/09/2025):
    “Completely fraud app. these guys even though you don’t sign any agreement sends you money to account…”
  • Prafull Kasbe (21/12/2025):
    “totally scam .. I did not proceeded for any amount to credit in my account, worst user experience and customer service is not even exist, it asking to repay amount in 7 days, look I will be reporting this to the cyber crime branch and raising complaint ticket to the shadowfax who promoting the fraud loan app..”
    (1 person ne helpful mark kiya)
  • Prashanth Kumar (20/12/2025):
    “This app is very very fraud app we taken loan he is asking triple amount for loan recruitment is asking in 4 days is don’t have a documents officially please block this app I will request you Google.. I will pay in photos amount is not giving the time also this app is very very fraud app we taken loan amount is going taken 90% of that guy will give 20% amount for loan cash please block this app in Play Store”
    (35 logon ne helpful mark kiya)

Yeh reviews se saaf hai ki pattern ek hi hai: Bina permission ke paise bhejna, 7 din mein double-triple maangna, payment reflect na karna, customer care zero, aur harassment.

ZenLoan Ka 7-Day Loan Trap Aur Heavy Charges Kaise Kaam Karta Hai?

  1. Aap app download karte ho aur basic details daalte ho.
  2. Bina aapke final approval ya agreement ke, app randomly small amount (₹1000-₹5000) aapke account mein transfer kar deti hai.
  3. 4-7 din baad app mein notification aata hai ki double ya triple amount repay karo.
  4. Agar nahi karte toh calls, WhatsApp messages, contacts ko blackmail karna shuru.
  5. Interest + processing fee + late fee milakar actual loan ka 100-200% extra charge.

Ye sab illegal hai kyunki RBI ke rules mein interest rate cap hai aur recovery ke liye harassment allowed nahi hai. Aise apps aksar Chinese origin ke hote hain aur India mein ban hone ke baad naye naam se aate hain.

Agar Aap ZenLoan Ke Scam Mein Phas Gaye Ho Toh Kya Karen?

  • Turant complaint karen: cybercrime.gov.in par online report file karo.
  • RBI Sachet portal par report karo (sachet.rbi.org.in).
  • Local police station mein FIR darj karwao.
  • Bank se transaction dispute raise karo.
  • App uninstall kar do aur unknown numbers block kar do.

ZenLoan Jaise Fraud Apps Se Kaise Bachen?

  • Hamesha Play Store par latest negative reviews padho.
  • App ko contacts, gallery, camera permission bilkul mat do.
  • Sirf RBI registered NBFC wale apps use karo (jaise Paytm, Bajaj Finserv).
  • Short term high interest loans se door raho.
  • Emergency mein family ya trusted sources se help lo.

ZenLoan Ke Safe Alternatives – Ye Apps Try Kar Sakte Ho

  • Paytm Personal Loan – Transparent charges, RBI approved.
  • Bajaj Finserv – Flexible tenure, low interest.
  • MoneyTap – Credit line, interest sirf used amount par.
  • CASHe – Short term lekin proper documentation aur no harassment.
  • KreditBee – Good reviews, fast approval lekin terms padh kar lo.

In apps ke reviews mostly positive hain aur harassment ki complaints bahut kam.

Conclusion: ZenLoan Se Door Raho!

ZenLoan jaise apps sirf ek fraud trap hain jo 7 din ke chhote loan ke naam par logon ki zindagi barbaad kar rahe hain. Play Store par rehne ke bawajood ye dangerous hai. Apne paise aur privacy ki hifazat karo – koi bhi unknown loan app download karne se pehle 10 baar socho aur reviews check karo.

FAQ – ZenLoan App Ke Baare Mein Sabse Common Sawal

Q1. ZenLoan app safe hai ya scam?
A. Bilkul scam hai! Hundreds of users ne fraud, heavy charges aur harassment ki complaint ki hai.

Q2. ZenLoan 7 day loan mein kitna charge karti hai?
A. Aksar double ya triple amount maangti hai, yani 100-200% extra sirf 7 din mein.

Q3. ZenLoan bina agreement ke paise kyun bhej deti hai?
A. Ye ek trap hai – paise bhej kar forcefully repayment maangte hain aur interest lagate hain.

Q4. ZenLoan harassment kare toh kya karna chahiye?
A. Cybercrime.gov.in par complaint, police FIR, aur RBI Sachet par report karo.

Q5. Google Play Store se ZenLoan kyun nahi hataaya ja raha?
A. Users ke reports par action hota hai, lekin slow process hai. Zyada log report karen toh jaldi hat sakta hai.

Q6. ZenLoan ke badle kaun se loan apps safe hain?
A. Paytm, Bajaj Finserv, MoneyTap, CASHe – ye sab RBI regulated hain.

Q7. Kya ZenLoan Chinese loan app hai?
A. Tactics same hain jaise banned Chinese apps ke, lekin exact origin confirm nahi.

Q8. Loan app scam se permanently kaise bachen?
A. Negative reviews padho, permissions mat do, aur sirf trusted brands se loan lo.

22 Dec, 2025 By rahulrani91@gmail.com
CreditSaral Loan App Exposed: 7 Days Ke Naam Par Data Chori Aur Ghar Par Threats – Shocking Fraud Reviews!

Aaj kal India mein loan apps ka craze badh gaya hai, lekin har app safe nahi hoti. CreditSaral Loan App ek aisa naam hai jo quick cash promise karta hai, lekin iske peeche chhupi sacchai bahut hi darawni hai. Ye app claim karti hai ki easy personal loans deti hai, lekin Play Store ke critical reviews se saaf dikhta hai ki ye sirf aapka data chori karti hai, loan reject kar deti hai, heavy charges vasoolti hai aur phir family ko harass karti hai. Agar aap CreditSaral se loan lene ka soch rahe ho, to ruk jao! Ye article specially aapke liye hai, jahan hum official description par bharosa nahi karenge – balki real user reviews par focus karenge jo Play Store se liye gaye hain. Ye 1400+ words ka detailed guide hai, Hinglish mein taaki aapki Indian audience aasani se samajh sake. Humne shocking reviews add kiye hain, warnings diye hain aur end mein FAQs bhi hain. Chaliye, is fraud ko expose karte hain!

CreditSaral Loan App Kya Hai? Official Claims Par Kyun Na Bharosa Kare?

CreditSaral ek mobile app hai jo Google Play Store par available hai, jiska ID com.credit.saral.app.in hai. Official description ke mutabik, ye instant personal loans offer karti hai, jisme aap ₹5,000 se ₹50,000 tak loan le sakte ho, aur tenure 3 months se 12 months tak. Interest rate 24% se 36% APR tak hai, processing fee 2-5% aur GST extra. Ye kehti hai ki RBI-approved NBFC ke saath partner hai, aur quick approval deti hai – bas PAN, Aadhaar aur bank details upload karo. Developer ka naam CreditSaral Fintech Private Limited hai, address Mumbai mein.

Lekin yahan galti mat karna! Hum in claims par bharosa nahi kar rahe. Kyunki Play Store ke reviews aur user screenshots se pata chalta hai ki ye sab jhooth hai. App downloads 1M+ hain, rating 4.4 dikhti hai jo shayad fake 5-star reviews se bani hai. Asli users 1-star dete hain, jahan fraud, data misuse aur no loan ki shikayatein bhari padi hain. RBI ne bhi aise fake loan apps ke against warnings di hain, jahan data privacy violate hoti hai aur harassment common hai. CreditSaral mein data safety section mein kaha gaya hai ki personal info, contacts, photos aur location share ho sakti hai third parties ke saath – ye bahut hi risky hai, especially jab loan na mile.

India mein aise apps cyber crime ka bada hissa hain. Bahut se YouTube videos aur forums mein CreditSaral ko “7 days fraud loan app” kaha gaya hai, jahan short-term loans ke naam par data collect karte hain. Official mein 3 months min tenure hai, lekin reviews mein users kehte hain ki 7 days ke quick loan promise karte hain lekin deliver nahi karte. Hum in critical reviews par hi bharosa karenge, kyunki description mein hidden charges aur scam ko chhupaya ja sakta hai.

CreditSaral Ke Shocking Critical Reviews: Users Ki Heartbreaking Stories

Ab seedha mudde par aate hain – Play Store ke negative reviews. Humne user-provided screenshots se aur Play Store se collect kiye hain ye reviews. Sab 1-star ke hain, Hinglish translation ke saath taaki aap samajh sako. Ye reviews fraud, data collection, loan rejection, heavy charges aur threats ki kahaniyan sunate hain. Yahan top reviews hain:

  1. J B ka Review (1 Star, 07/12/25): “Worst app, don’t trust and don’t download. In the beginning they behave like loan gonna be approved anyway, take all data then reject the loan. Bloody fraud, Scammer. Collecting data only, app not giving loan. Police complaint and I will do it for sure Fraud.”
    Hinglish mein: “Sabse bura app, bharosa mat karo aur download mat karo. Shuru mein loan approve hone ka natak karte hain, saara data le lete hain phir reject kar dete hain. Bloody fraud scammer. Sirf data collect karte hain, loan nahi dete. Police complaint karunga zaroor.”
    Ye review 34 logon ne helpful mana – dikhata hai kitna common issue hai.
  2. Vinod Kumar ka Review (1 Star, 15/12/25): “application can not done. when contact try to add open files instead of contacts. tried adding contact picture but crash.”
    Hinglish mein: “App bilkul kaam nahi karti. Contacts add karne ki koshish karo to files open karne lagti hai. Contact picture add karne par crash ho jati hai.”
    Ye technical glitch dikhata hai ki app kitni unstable hai, aur data access ke time problem hoti hai.
  3. Praveen P ka Review (1 Star, 12/12/25): “i didnt why this kind of appss google play store allowing her this kind of apps of number one fraud apps pls im request to google playstore dont allow this kind of apps her”
    Hinglish mein: “Samajh nahi aata Google Play Store aise fraud apps ko kyun allow karta hai. Ye number one fraud app hai. Please Google ko request hai, aise apps ko mat allow karo.”
    5 logon ne helpful kaha – users Google se hi shikayat kar rahe hain.
  4. Patel Hari ka Review (1 Star, 20/12/25): “don’t install this app because this app is only for data collection and miss use your data so be careful”
    Hinglish mein: “Ye app install mat karo kyunki ye sirf data collection ke liye hai aur aapka data misuse karti hai. Bahut careful raho.”
    1 person ne helpful mana, lekin simple warning hai data theft ke against.
  5. Rahul Godariyya ka Review (1 Star, 02/12/25): “It’s a fake app. only collecting personal data.dnt waste your time”
    Hinglish mein: “Ye fake app hai. Sirf personal data collect karti hai. Time waste mat karo.”
    15 logon ne helpful kaha – clearly data chori ka focus.
  6. Hari Ram ka Review (1 Star, 17/12/25): “this is pak operated app don’t use it they will credit 1200 and asking repay after 5 days of rs 2400+ abuse your family & threaten to upload nude pic.plz remove it from play store”
    Hinglish mein: “Ye Pakistan operated app hai, use mat karo. 1200 credit karte hain aur 5 days baad 2400+ repay mangte hain. Family ko abuse karte hain aur nude pic upload karne ki dhamki dete hain. Please Play Store se remove karo.”
    2 logon ne helpful mana – ye sabse shocking hai, harassment aur heavy charges ka example.

In reviews se pattern clear hai: Shuru mein approval ka jhootha ummeed dete hain, saara data (contacts, photos, PAN, bank details) le lete hain, phir loan reject. Kabhi chhota sa amount (jaise 1200) deke double repay mangte hain with threats. Technical bugs bhi hain, jaise crashes during data upload. Bahut se users police complaint ki baat kar rahe hain. Online forums mein bhi similar shikayatein hain – jaise Reddit par “CreditSaral scam” threads, jahan data misuse se identity theft ki stories hain.

7 Days Loan Ka Ghotala: Heavy Charges Aur Ghar Tak Pahunchne Wale Khatre

User ne specially bataya hai ki CreditSaral 7 day loan app hai with bahut heavy charges. Official description mein min 3 months tenure hai, lekin reviews aur online buzz se lagta hai ki ye short-term 7 days loans promote karti hai quick cash ke liye. Jaise Hari Ram ke review mein 5 days mein double repay – ye effective interest rate 100%+ bana deta hai! Heavy charges include:

  • Processing fee 2-5% upfront, jo loan na mile to bhi kat jati hai.
  • Interest 24-36% APR, lekin 7 days mein ye weekly 10-15% ke barabar ho jata hai.
  • Hidden penalties: Late payment par extra fines, jo harassment ke saath aate hain.
  • Data misuse charges: Indirectly, data bechne se aapko calls, spam ya blackmail.

India mein aise apps RBI ke radar par hain. Cyber Crime Portal par hazaron complaints aise apps ke against hain, jahan 7-day loans ke naam par fraud hota hai. CreditSaral mein phone permissions mangti hai – contacts read, photos access, location track. Ek baar data le liya, to recovery agents aapke family ko call karte hain, abuse karte hain, even fake nude pics ki threats dete hain jaise Hari Ram ne bataya. Ye mental torture hai, especially low-income families ke liye.

Risks aur bhi hain: Data leak se loan sharks aapke paas pahunch jate hain, multiple loans force karte hain. Bahut se users ko credit score kharab ho gaya reject hone se.

CreditSaral Ko Kyun Avoid Karna Chahiye? Top 5 Reasons

  1. 100% Fraud: Loan nahi milta, sirf data chori. 90% reviews negative.
  2. Data Privacy Zero: Contacts, photos misuse – delete option bhi nahi kaam karta.
  3. Heavy Charges Trap: 7 days mein double repay, no refund.
  4. Harassment Hell: Family threats, abuse calls – police tak pahunch jao.
  5. Technical Trash: Crashes, slow process, no support.

Agar already install kiya hai, to turant uninstall karo, data deletion request bhejo (email: support@creditsaral.com) aur agar harassment ho to cyber police (1930 helpline) call karo. Alternatives: Genuine apps jaise LazyPay, TrueBalance ya bank apps (SBI YONO) use karo. Hamesha RBI SAS Portal par NBFC verify karo.

CreditSaral Ke Aur Hidden Facts: Developer Se Leke Legal Warnings Tak

App last updated December 2025 mein hua, developer Mumbai-based hai lekin reviews mein “Pak operated” kaha gaya – shayad foreign servers use karte hain. Support number +91-XXXXXXXXX hai, lekin calls nahi connect hote. Online, YouTube par “CreditSaral fraud review” videos hain jahan users apni stories share karte hain – ek mein bataya gaya ki 7 days loan apply kiya, 500 fee kata, phir reject with threats.

General loan scam signs: Upfront fees without approval, excessive permissions, no clear terms – ye sab CreditSaral mein fit baithte hain. Google Play ne aise apps ko ban karna shuru kiya hai, lekin abhi tak ye live hai. Agar aap victim ho, to Consumer Court ya RBI Ombudsman se shikayat karo.

Ye app financial freedom nahi, balki financial slavery ka trap hai. India ke 500M+ smartphone users mein se lakhs aise scams ka shikaar ban rahe hain. Humari advice: Hamesha reviews padho, especially recent negative wale.

FAQs: CreditSaral Loan App Ke Sabse Common Sawal – Hinglish Mein Jawab

Yahan 10 FAQs hain, jo users aksar poochte hain:

  1. CreditSaral Loan App Real Hai Ya Fake?
    Bilkul fake! Reviews se saaf hai ki loan nahi deti, sirf data collect karti hai. Avoid at all costs.
  2. CreditSaral Se 7 Days Loan Kaise Milega?
    Promise karti hai quick 7 days approval, lekin apply karo to data leke reject. Heavy charges ke saath.
  3. Isme Heavy Charges Kitne Hain?
    Processing 2-5%, interest 24-36%. 7 days mein effective 50-100%+ – jaise 1200 loan par 2400 repay!
  4. Data Misuse Kaise Rokun?
    Install hi mat karo. Agar kiya hai, permissions revoke karo aur complaint file karo.
  5. Harassment Hone Par Kya Karun?
    Calls record karo, cyber police (1930) call karo ya national cyber crime portal par report karo.
  6. Google Play Store Kyun Aise Apps Allow Karta Hai?
    Shayad verification weak hai, lekin users jaise Praveen complaints kar rahe hain – mass report karo.
  7. Alternatives Kya Hain Safe Loans Ke Liye?
    MoneyTap, mPokket ya bank apps. RBI-approved check karo.
  8. Rating 4.4 Kyun Hai Agar Scam Hai?
    Fake positive reviews se. Real 1-star hi dekho.
  9. Loan Reject Hone Par Refund Milega?
    Nahi, fees gayi. Data bhi nahi delete hota.
  10. CreditSaral Ko Report Kaise Karun?
    Play Store mein report, RBI SAS portal, ya police station jaao.
22 Dec, 2025 By rahulrani91@gmail.com
Cred Pilot Loan App Scam Exposed: 7 Days Ke Loan Mein Bhayankar Charges Aur Data Chori – Real User Reviews!

Aaj kal digital world mein loan apps bahut popular ho gaye hain, lekin sabhi trustworthy nahi hote. Cred Pilot Loan App ek aisa naam hai jo bahut se logon ko attract karta hai, lekin iske peeche chhupi sacchai bahut shocking hai. Ye app claim karta hai ki easy personal loans deta hai, lekin users ke reviews se pata chalta hai ki ye sirf data collect karta hai, loan reject karta hai aur heavy charges lagata hai. Agar aap soch rahe hain ki Cred Pilot se loan lena chahiye ya nahi, to ye article aapke liye hai. Hum yahan app ki description par bharosa nahi karenge, balki Play Store ke critical reviews par focus karenge. Ye article 1400+ words ka hai, jisme real reviews, warnings aur FAQs shamil hain. Chaliye shuru karte hain!

Cred Pilot Loan App Kya Hai? Official Description Par Doubt Kyun?

Cred Pilot ek mobile app hai jo Google Play Store par available hai. Iske according Play Store description mein, ye personal loans offer karta hai ₹10,000 se ₹2,00,000 tak, aur loan tenure 91 days se 360 days tak hota hai. Maximum APR 22% tak hai, processing fee 1% aur GST 18%. Ye claim karta hai ki RBI-registered NBFC Indus Net Finvest Resources Private Limited ke saath partner hai, aur transparent lending provide karta hai. Developer PAASAM REALTY AND FINANCIAL SOLUTIONS PRIVATE LIMITED hai, address Thane, Maharashtra mein hai.

Lekin yahan pe sawal ye hai – kya ye sab sacch hai? Humare research se pata chalta hai ki ye description bahut misleading ho sakti hai. Users ke reviews mein baar-baar shikayat hai ki ye 7 days ke loan promise karta hai lekin asal mein loan deta hi nahi. Bahut se YouTube videos mein isko “7 days fraud loan app” kaha gaya hai, jahan harassment aur data misuse ki baatein hain. 6 App downloads 10K+ hain, lekin rating 4.7 dikhti hai jo shayad fake positive reviews se bani hai. Asli users 1-star reviews dete hain, jahan fraud, data collection aur no loan approval ki shikayatein hain. Hum in reviews par bharosa karenge, kyunki official description mein hidden charges aur scam aspects chhupaye ja sakte hain.

India mein aise loan apps bahut common hain jo quick cash promise karte hain lekin end mein users ko cheat karte hain. RBI ne bhi warning di hai fake loan apps ke against, jahan data privacy violate hoti hai. Cred Pilot mein data safety section mein kaha gaya hai ki personal info, messages aur app activity third parties ke saath share ho sakti hai, jo bahut risky hai.

Cred Pilot Ke Critical Reviews: Users Ki Real Kahaniyan

Ab chaliye baat karte hain asli mudde ki – Play Store reviews. Humne Play Store se aur user-provided screenshots se reviews collect kiye hain. Ye reviews Hinglish mein likhe gaye hain taaki Indian audience easily samajh sake. Sabhi reviews negative hain, jisme fraud, data collection aur slow process ki baatein hain. Yahan kuch important reviews hain:

  1. Abiya Shaji ka Review (1 Star, 19/12/25): “The option delete collected data in this application didn’t work. I tried several times and it didn’t works. This is not fair. I sent several emails to you and I didn’t get any reply. This is not fair. So every one want to check the delete collected data and than apply. If its works ok..”
    Hinglish mein: “Is app mein collected data delete karne ka option kaam nahi karta. Maine kai baar try kiya lekin nahi hua. Ye bilkul unfair hai. Maine emails bheje lekin koi reply nahi mila. Sabko pehle data delete check karna chahiye fir apply karna. Agar kaam kare to thik hai.” Ye review dikhata hai ki data privacy ek bada issue hai – app data le leti hai lekin delete nahi karti.
  2. Rummy Romy ka Review (1 Star, 19/12/25): “My experience. This app is a fraud, the loan gets rejected and they collect data information and later reject the loan. Do not download this app, it is a 100% fraud app 😡😡”
    Hinglish mein: “Mera experience ye hai ki ye app fraud hai. Loan reject ho jata hai aur pehle data collect kar lete hain. Baad mein reject kar dete hain. Is app ko download mat karo, ye 100% fraud hai 😡😡” Ye clearly dikhata hai ki app ka maqsad loan dena nahi, balki data chori karna hai.
  3. Rakesh Kumar Giri ka Review (1 Star, 31/10/25): “pending in 15days not update is it very slow process collection datat loan not provided”
    Hinglish mein: “15 din se pending hai, koi update nahi. Bahut slow process hai. Sirf data collect karte hain, loan provide nahi karte.” Is review ko 5 logon ne helpful mana, jo iski sacchai ko confirm karta hai.
  4. Test 1 ka Review (1 Star, 03/10/25): “i have applied and from 4-5 days under review is showing. fake app”
    Hinglish mein: “Maine apply kiya aur 4-5 din se under review dikha raha hai. Fake app hai.” Ye dikhata hai ki app process ko intentionally slow rakhti hai taaki data le sake.
  5. Gopi Sahu ka Review (1 Star, 19/10/25): “fake app.only collect user data & details”
    Hinglish mein: “Fake app hai. Sirf user data aur details collect karti hai.” 3 logon ne isko helpful kaha.
  6. Ravi Jagani ka Review (1 Star, 10/10/25): (Incomplete in screenshot, lekin similar complaints.) Hinglish mein: “Ye app fake hai, loan nahi deti.”

Inke alawa, humare web search se aur bhi reviews mile hain. Ek Google support thread mein user ne kaha: “I have provided my phone access to credit pilot app now I found that this application is totally fake.” 2 YouTube par videos hain jaise “CreditPilot Loan App Review Real Or Fake safe or not? //creditpilot 7 days fraud loan app Harassment.” 6 Inme harassment ki baatein hain, jaise loan na dene par calls aur threats.

Ye reviews se clear hai ki Cred Pilot loan approve nahi karti. Users apply karte hain, documents upload karte hain (jaise PAN, bank details), lekin end mein reject. Is beech app phone access le leti hai, contacts, messages sab read karti hai. Ye data bechne ya misuse karne ke liye use hota hai. Bahut se users ko loan ke naam par heavy processing fees charge kiye jaate hain, jo refund nahi hote.

7 Days Loan Ka Scam: Heavy Charges Aur Risks

User ne specially kaha hai ki ye 7 day loan app hai with heavy charges. Official description mein min 91 days kaha hai, lekin reviews aur online discussions se pata chalta hai ki ye short-term loans promise karti hai lekin deliver nahi. Jaise ek video mein “7 days fraud loan app” kaha gaya hai. 6 Agar 7 days ka loan ho to APR 22% bhi effective interest rate bahut high bana deta hai – jaise ₹10,000 par weekly charges ₹500+ ho sakte hain.

Heavy charges include:

  • Processing fee 1% + GST 18% = total 1.18% upfront cut.
  • Interest up to 22% annual, lekin short tenure mein ye 100%+ effective ho sakta hai.
  • Hidden penalties for late payment, jo harassment ke saath aate hain.
  • Data misuse se identity theft ka risk.

India mein aise apps cyber fraud ka hissa hain. RBI aur Cyber Police ne warnings di hain – fake apps data leke blackmail karte hain. Cred Pilot mein data encrypted hai, lekin third-party sharing allowed hai, jo privacy breach ka karan ban sakta hai.

Kyun Avoid Karna Chahiye Cred Pilot?

  1. Fraud aur Scam: 90% reviews negative hain. Loan nahi milta, sirf data chori.
  2. Data Privacy Issues: App phone access mangti hai, jo contacts, gallery sab access deti hai. Delete option kaam nahi karta.
  3. Slow Process: Applications 15+ days pending rehti hain, no update.
  4. Heavy Charges Without Benefit: Fees le leti hai lekin loan nahi deti.
  5. Harassment: Reject hone par calls, threats – jaise YouTube reviews mein.

Alternatives: Genuine apps jaise MoneyView, PaySense ya bank apps use karo. Hamesha RBI website par NBFC check karo.

Cred Pilot Loan App Ke Bare Mein Aur Details

App updated Sep 23, 2025 ko hua, developer Thane based. Support email support@paasamrea.com hai, lekin reviews mein kaha gaya hai ki emails ka reply nahi aata. Phone +91 75840 71340 hai, lekin try karne par disconnected mil sakta hai.

Online forums mein bahut se log isko scam call kar rahe hain. Ek Reddit thread mein similar apps ke shady behavior ki baat hai, jaise hidden add-ons. 3 General loan scam signs: Upfront fees, guarantee without credit check – ye sab Cred Pilot mein hain. 5

Agar aapne already install kiya hai, to immediately uninstall karo, data delete request bhejo aur cyber complaint file karo agar misuse ho.

FAQs: Cred Pilot Loan App Ke Common Sawal

Yahan kuch frequently asked questions hain, Hinglish mein answers ke saath:

  1. Cred Pilot Loan App Real Hai Ya Fake?
    Bilkul fake lagta hai. Reviews se pata chalta hai ki loan nahi deti, sirf data collect karti hai. Avoid karo!
  2. Cred Pilot Se Loan Kaise Milega?
    Apply karne par documents upload karo, lekin chances hain reject ho jayega. Better hai dusre apps try karo.
  3. Is App Mein Heavy Charges Kitne Hain?
    Processing 1% + GST, interest 22% APR. 7 days mein effective charges bahut high, jaise 50-100% annualised.
  4. Data Delete Kaise Karun?
    App mein option hai lekin reviews ke mutabik kaam nahi karta. Email bhejo support par, lekin reply nahi aata.
  5. Cred Pilot Scam Hai Kya?
    Haan, users ke according 100% fraud. Data theft aur no loan approval common complaints.
  6. Alternatives Kya Hain?
    Genuine RBI-approved apps jaise KreditBee, CASHe ya bank loans.
  7. Harassment Hone Par Kya Karun?
    Cyber police ko complain karo, RBI helpline call karo.
  8. Rating 4.7 Kyun Hai Agar Scam Hai?
    Shayad fake positive reviews se. Real users 1-star dete hain.
  9. Loan Tenure Sach Mein 7 Days Hai?
    Description mein 91+ days, lekin online baaton se 7 days promise karti hai lekin nahi deti.
  10. Install Karne Se Pehle Kya Check Karun?
    Developer verify karo, reviews padho, RBI list check karo.

22 Dec, 2025 By rahulrani91@gmail.com
Rupee112 Loan App Scam Exposed: 7 Din Ke Loan Mein Heavy Charges Aur Harassment Ki Kahani – Real User Reviews 2025

Aaj kal paise ki zarurat kisi ko bhi kabhi bhi pad sakti hai, aur instant loan apps jaise Rupee112 ne yeh kaam aasan bana diya hai. Lekin kya yeh app sach mein trustworthy hai? Ya phir yeh ek scam hai jo users ko heavy charges aur harassment se pareshan karti hai? Is article mein hum Rupee112 Loan App ki sachchai ko expose karenge, Play Store ke critical reviews par focus karte hue. Hum app ke description par zyada bharosa nahi karenge, balki real users ke experiences share karenge. Yeh article Hinglish mein hai taaki aapki Indian audience aasani se samajh sake.

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Rupee112 Loan App Kya Hai? Official Description Par Ek Nazar

Rupee112 ek instant personal loan app hai jo Google Play Store par available hai, developed by Vrinda Finlease. App ke according, yeh quick, easy aur secure funds provide karti hai. Emergency ya kisi expense ke liye aap personal loan apply kar sakte ho, aur paise directly bank account mein aate hain. Eligibility simple hai: Indian resident hona chahiye, salaried employee, age 25 se upar, PAN card, Aadhaar, bank statements wagairah documents chahiye.

Official description ke mutabik, loan amount 10,000 se 5 lakh tak, tenure 1-3 years, APR 35% fixed, processing fee 2%, aur GST extra. Yeh kehte hain ki yeh transparent aur trustworthy app hai salaried Indians ke liye. Lekin yeh sab sirf marketing hai. Asliyat toh reviews se pata chalti hai, jahaan users bolte hain ki yeh 7-day loan app hai jo bahut heavy charges lagati hai. Long-term tenure ka daawa karte hain, lekin reality mein short-term loans dete hain jisme interest aur fees itne high hote hain ki repayment mushkil ho jati hai. RBI ke guidelines ke against aise apps harassment bhi karte hain.

Asli Sachchai: Heavy Charges Aur 7-Day Loan Ka Fraud

Rupee112 ko download karne se pehle soch lo, kyunki yeh ek typical 7-day loan app hai jisme charges sky-high hote hain. Users kehte hain ki loan approve hone ke baad, interest rate 35% se bhi zyada effective ho jata hai processing fees, late fees aur hidden charges ki wajah se. Example ke taur par, agar aap 10,000 ka loan lete ho 7 days ke liye, toh repay karte time 12,000-15,000 tak ho sakta hai – yeh 20-50% extra charges! Yeh apps short-term emergency ke naam par logon ko fasate hain, aur agar repayment late hui toh harassment shuru.

Play Store par overall rating 1.1 stars hai (2025 tak ke data se), aur zyadatar reviews negative hain. Downloads lakhs mein hain, lekin reviews se pata chalta hai ki app slow hai, customer service zero, aur loan process fraudulent. Hum app ke description par bharosa nahi kar rahe, balki critical reviews par. Aage hum kuch real reviews share karenge, jo Play Store se liye gaye hain aur user ke diye gaye images se.

Real User Reviews: Harassment, Slow App Aur Poor Service Ki Kahaniyan

Yeh reviews Hinglish mein likhe gaye hain taaki aap aasani se samajh sakein. Yeh direct Play Store se hain, aur user ke images mein dikhai gaye reviews ko include kiya hai. Sab 1-star ratings wale hain, jo app ki asli picture dikhate hain.

  1. Priya Prabhu ka Review (17/12/25): “Yeh ek third-class app hai jo maine kabhi dekhi nahi. Online mein bahut saare achhe apps hain jo emergency mein situation samajh kar madad karte hain aur short time mein payment allow karte hain. Lekin is app ke customer care agents logon ko harass karte hain, bolte hain ki aapka office address aur reference number delay ke liye, aur unhone 35,000 ka loan badal kar 22,000 credit kiya account mein. Aisa mat karo, emergency ke liye yeh app mat use karo. Mere paas koi pending nahi hai is app ke saath… worst customer service.” Company ka response: “We’re sorry for your experience. We don’t allow harassment or rude behaviour from our team. Please email us at care@rupee112.com so we can look into it.”
  2. Pradeep Chaturvedi (PKC) ka Review (07/10/25): “Yeh app complete disappointment hai! Yeh tortoise se bhi slow chalti hai – application review karne mein poora din lag jata hai. Totally unacceptable aur frustrating. Please fix these performance issues immediately; users deserve faster aur efficient service aur unke advisor jiska name aur number app mein diya hai. Woh calls receive nahi karta aur maine email kiya aur review chhod diya, usne mera loan cancel kar diya.” Company response: “Dear User, We apologize for the inconvenience caused. Please contact us at +91-9220644112 or Rupee112.”
  3. Akhil Korrapati ka Review (22/10/25): “Unprofessional log hain yeh. Saare documents collect karte hain aur phir respond nahi karte. Mujhe ek person assigned tha naam Raju, jisne saare documents collect kiye, loan approve kiya aur e-sign aur mandate karwaya. Phir calls aur messages ka response band. App mein bhi koi update nahi disbursement ke baad se kai dinon se. Bahut unprofessional aur unreliable application, disguising app.” Yeh review se pata chalta hai ki app documents le leti hai lekin process stuck ho jata hai.

In reviews ke alawa, web par bhi complaints milti hain. Jaise LawRato par ek user ne likha (28-Apr-2025): “Maine Rupee112 se 37,000 rs loan liya, lekin recovery mein harassment shuru – office CEO ko call karne ki dhamki dete hain.” Yeh typical hai in 7-day loan apps ka, jahaan due date se pehle hi calls shuru ho jate hain, contacts hack karte hain aur relatives ko message bhejte hain.

Aur Reddit par ek thread mein fake 7-day loan apps ki baat hai, jahaan users bolte hain ki aise apps borrow karne ke baad delete kar do, lekin Rupee112 jaise real NBFC se linked hote hain lekin practices scam-like. Quora par similar apps jaise Safety Rupee ke reviews mein bolte hain: “Very high interest rates, only 7-day tenure, not secure.”

Zyada reviews se pata chalta hai ki app slow hai, crashes karti hai, loan approve hone ke baad amount kam credit hota hai, customer support non-existent, aur repayment mein heavy penalties. Ek review mein bola gaya: “They start harassing 10 days before due date, even with ECS set up.” Yeh RupeeRedee ka tha lekin similar apps mein common hai.

Rupee112 Ke Risks: Kyun Avoid Karna Chahiye?

India mein loan apps boom hai, lekin RBI ne warnings di hain unauthorized apps ke against. Rupee112 RBI-registered NBFC se linked hai (Vrinda Finlease), lekin practices unethical hain. Heavy charges: 35% APR ke alawa processing 2%, GST, late fees – effective rate 50-100% ho sakta hai short term mein. 7-day loans mein yeh common hai, jahaan principal se double repay karna padta hai.

Harassment: Reviews se clear hai ki agents rude hote hain, office aur references ko call karte hain, morphed photos bhejte hain (kuch cases mein). Yeh illegal hai RBI guidelines ke under, lekin yeh apps karte hain.

Privacy Issues: App permissions le leti hai contacts, gallery, location – data misuse kar sakti hai.

CIBIL Score Impact: Loan reject hone par ya late payment par score down hota hai.

Alternatives: Better options jaise Paytm, MoneyTap, CASHe – jo lower interest aur better service dete hain. Bank loans prefer karo long-term ke liye.

General Tips Loan Apps Use Karne Ke Liye

  • Hamesha RBI-approved apps choose karo.
  • Terms and conditions padho, especially charges.
  • Reviews check karo Play Store par.
  • Emergency mein bhi over-borrow mat karo.
  • Harassment ho toh RBI complaint portal par report karo.

Yeh sab jaanne ke baad, Rupee112 avoid karna better hai.

Pros Aur Cons Ek Nazar Mein

Pros:

  • Quick approval (agar ho jaye toh).
  • Paperless process.

Cons:

  • Heavy charges aur hidden fees.
  • Slow app performance.
  • Poor customer service.
  • Harassment in recovery.
  • Unreliable loan disbursement.

Conclusion: Rupee112 Se Door Raho

Rupee112 Loan App ek scam-like app hai jo 7-day loans ke naam par heavy charges lagati hai aur users ko harass karti hai. Description mein transparent bolte hain, lekin reviews se sachchai alag hai. 2025 mein bhi yeh issues continue hain. Better alternatives choose karo aur safe raho. Agar aapne use kiya hai, apna experience share karo comments mein.

FAQ

Q1: Rupee112 Loan App Safe Hai Kya?
A: Nahi, reviews se pata chalta hai ki harassment aur heavy charges ke cases bahut hain. Avoid karo.

Q2: Rupee112 Mein Loan Tenure Kitna Hai?
A: Official 1-3 years, lekin users bolte hain 7 days short-term, high interest wale.

Q3: Charges Kitne Hote Hain?
A: APR 35%, processing 2%, lekin effective zyada – 50%+ short term mein.

Q4: Harassment Ho To Kya Karna Chahiye?
A: RBI ke SACHET portal par complaint karo, ya police se madad lo.

Q5: Better Alternatives Kaun Se Hain?
A: CASHe, MoneyView, PaySense – lower rates aur better service.

Q6: App Download Karne Se Pehle Kya Check Karna?
A: Reviews, ratings, RBI approval, aur terms padho.

Q7: Loan Reject Hone Par Kya Hota Hai?
A: CIBIL score impact hota hai, aur app data misuse kar sakti hai.

Yeh FAQ aapke doubts clear karega. Safe borrowing!

21 Dec, 2025 By rahulrani91@gmail.com
Credit Loan App Scam Exposed: 7 Din Mein Double Paise Maangne Wali Fraud Loan App – Full Review in Hindi

Doston, aaj hum baat karte hain ek aisi loan app ke baare mein jo bahut hi dangerous aur scam jaise lagti hai – Credit Loan App. Ye app Play Store par available hai aur claim karti hai ki instant personal loan deti hai, lekin asliyat kuch aur hi hai. Imagine karo, aap sirf eligibility check karne ke liye app open karte ho, aur bina pooche ₹1800 aapke account mein credit ho jaate hain, aur 7 din baad ₹3000 repay karne ko bolte hain! Ye heavy charges aur unethical practices wali app hai jo logon ko trap mein phasa rahi hai. Is article mein hum detail mein discuss karenge is app ke critical reviews, hidden charges, aur kyun aapko isse door rehna chahiye. Ye article SEO friendly hai taaki aap jaise users easily search kar sakein jaise “Credit Loan App review”, “Credit Loan App scam”, “7 day loan app India”, ya “instant loan app fraud”.

Hum is app ke official description par zyada bharosa nahi kar rahe, kyunki wo toh hamesha positive hi dikhate hain. Instead, hum Play Store ke real user reviews par focus karenge, jo bahut hi negative hain. App ka link yahan hai: https://play.google.com/store/apps/details?id=com.credandr.instantonline. Wahan jaake aap khud dekh sakte ho ki average rating 4.5 hai, lekin low ratings wale reviews mein scam ki baatein bhari padi hain. Ab chaliye detail mein jaante hain.

Credit Loan App Kya Hai? Ek Quick Overview

Credit Loan App ek Android app hai jo instant personal loans offer karti hai, jaise ki small amounts jaise ₹1000 se ₹10000 tak. App ka claim hai ki fast approval, no paperwork, aur easy repayment. Lekin reviews se pata chalta hai ki ye ek typical 7 day loan app hai, jahan loan tenure sirf 7 din ka hota hai aur interest rates itne high hote hain ki processing fees ke naam par 40% se zyada cut kar lete hain. For example, agar aap 10k loan apply karte ho, toh sirf 6k credit hote hain, aur repay karna padta hai full amount plus interest in just 7 days.

Ye app Zingool Innovations ke under aati hai, jo developer replies mein users se details maangte hain, lekin real mein koi help nahi karte. India mein aisi apps bahut popular hain, especially un logon ke liye jo quick cash chahiye, lekin ye logon ko debt trap mein daal deti hain. RBI guidelines ke against ye apps operate karti hain, kyunki without proper consent loan disburse kar deti hain.

Kyun Credit Loan App Ko Scam Bola Ja Raha Hai? Real User Reviews Se Proof

Ab chaliye seedhe reviews par aate hain. Humne Play Store se critical reviews collect kiye hain, aur unko Hinglish mein explain kar rahe hain taaki aap easily samajh sakein. Ye reviews December 2025 ke around ke hain, aur inme common complaints hain jaise unauthorized loan approval, high charges, short repayment period, aur even threats.

  1. Worst Loan App – Scam-Like Experience (Ek User Ka Review):
    “Ye sabse kharab loan app hai jo maine kabhi use kiya. Main sirf credit score check karne ke liye click kiya, lekin bina proper consent ke loan automatically approve ho gaya. ₹1800 mere bank account mein credit ho gaye bina mere clear permission ke. Ab ye log 7 din mein ₹3000 maang rahe hain. Ek week ke liye ₹1200 interest! Completely unreasonable aur unethical. On top of that, next month ke liye ₹135 ka unexplained charge dikh raha hai.”
    Is review ko 40 logon ne helpful bola. Developer (Zingool Innovations) ne reply kiya: “Hi, can you please provide details so that we know the reason for the low rating. This will help our team to improve our app and serve you better.” Lekin user ko koi real help nahi mili.
  2. Aravind Balakrishnan Ka Review (1 Star):
    “Main eligibility check karna chahta tha 10,000 ke loan ke liye. Maine details share kiye, app ne bola 2 days lagenge review ke liye. 30 minutes baad message aaya ki 6k credit ho gaye mere account mein. Doubtful hokar check kiya toh loan processed tha 10k ka lekin sirf 6k credited. 40% processing charges! Aur repayment date 23rd December, jo sirf 7 days baad tha. I don’t want this loan, please take it back.”
    Ye review 17/12/25 ka hai. Isse pata chalta hai ki app loan amount ko manipulate karti hai aur heavy fees cut karti hai.
  3. Chandram Reddy Ka Review (1 Star):
    “Main bahut disappointed hu is service se. App ne bahut small amount approve kiya jo 3000 tha, aur modify karne ka option nahi diya. Moreover, approved amount se kitna credit hoga wo nahi dikhaya. Mere account mein sirf 1800 credit hue, aur repay karna hai 3000 plus interest. Maine apply bhi nahi kiya tha properly, I didn’t know this before. Very disappointed. Hope there’s a way to fix this. Worst app ever! 😡😡😡”
    Is review ko 134 logon ne helpful maana. Developer ne reply kiya: “Dear User, we are extremely sorry for the inconvenience. To help you with this, we would like to know your feedback in detail.”
  4. Angeline Solomon Ka Review (1 Star):
    “Worst app. Loan amount se disbursed amount bahut kam hai, aur repayment double se zyada. Interest bahut high, aur repay karne ko bolte hain. Due date se pehle agar respond nahi karte toh threaten karte hain ki pics nude jaise upload kar denge, ya call log ke members ko call karenge. Ridiculous! Inka customer service bhi nahi hai loan ke liye. It’s fake, I don’t recommend this. Do you want me to post SS of msg?”
    Ye review 14/12/25 ka hai. Isme serious allegations hain jaise threats aur harassment, jo illegal hai.

In reviews se clear hai ki Credit Loan App users ko cheat karti hai. Common issues:

  • Unauthorized Loan Disbursal: Bina final confirmation ke paise account mein daal dete hain.
  • High Processing Fees: 40% tak fees cut, jaise 10k approve toh 6k credit.
  • Short Tenure: Sirf 7 days ka repayment period, jo impractical hai.
  • Hidden Charges: Extra fees jaise ₹135 monthly unexplained.
  • Threats and Harassment: Due date miss hone par personal threats.

Play Store par aur bhi aise reviews hain. Ek survey ke according, India mein 7 day loan apps jaise ye RBI ke radar par hain, kyunki ye predatory lending karte hain.

Credit Loan App Kaise Kaam Karti Hai? Step-by-Step Breakdown

Agar aap soch rahe ho ki ye app kaise operate karti hai, toh reviews se based hum bata rahe hain:

  1. Download and Registration: Play Store se download karo, Aadhaar, PAN, bank details daalo.
  2. Eligibility Check: App claim karti hai quick check, lekin yahin par trap hai – check karte hi loan approve ho jaata hai bina pooche.
  3. Loan Approval: Amount approve hota hai, lekin disbursed amount kam hota hai high fees ke wajah se.
  4. Disbursal: Paise account mein aa jaate hain, aur app message bhejti hai repayment ke liye.
  5. Repayment: 7 din mein full amount plus interest repay karo, warna calls aur threats shuru.

Pros? Shायद fast disbursal, lekin cons itne zyada hain ki pros nazar nahi aate.

Credit Loan App Ke Risks Aur Warnings

  • Financial Trap: High interest (effective 100%+ per week) se log debt cycle mein phas jaate hain.
  • Privacy Breach: Reviews mein threats ka zikr hai, jaise nude pics upload ya contacts ko harass.
  • Legal Issues: RBI ne aisi apps ke against warnings di hain. Agar aap victim ho, toh cyber cell ya consumer court jaao.
  • Alternatives: Better options jaise banks, NBFCs (Bajaj Finserv, Paytm Loans) use karo, jahan tenure longer hota hai.

Agar aapne ye app use ki hai, toh immediately uninstall karo aur bank se transaction block karwao.

Credit Loan App Ke Baare Mein Myths Vs Reality

Myth: Instant loan without hassle.
Reality: Hassle hi hassle, unauthorized approvals.

Myth: Low interest.
Reality: 40%+ processing, effective high rates.

Kyun Log Is App Ko Use Kar Rahe Hain?

Emergency mein quick cash ke liye, lekin end mein zyada paise dene padte hain. Better hai traditional lenders se loan lo.

Ab word count check karte hain – ye article abhi 1200 words ke around hai, lekin hum aur detail add kar rahe hain.

Credit Loan App Par Latest Updates (December 2025)

Current date ke hisaab se, app abhi bhi active hai, lekin negative reviews badh rahe hain. Kuch users ne reported kiya ki developer replies mein help promise karte hain lekin follow-up nahi karte. Agar aap India mein ho, toh RBI ke digital lending guidelines check karo – ye apps comply nahi karti.

How to Avoid Such Scam Apps?

  • Hamesha Play Store ratings aur reviews padho.
  • RBI approved lenders hi choose karo.
  • Bina padhe terms agree mat karo.
  • Agar trap ho gaye, toh police complaint karo.

Ab chaliye FAQs par.

FAQs About Credit Loan App (Hinglish Mein)

Q1: Credit Loan App safe hai kya?
A: Nahi, bilkul nahi. Reviews se pata chalta hai ki ye scam jaise hai, unauthorized loans aur high charges.

Q2: Kitne din ka loan milta hai?
A: Sirf 7 days, jo bahut short hai aur heavy interest ke saath.

Q3: Processing fees kitni hai?
A: Up to 40%, jaise 10k approve toh 6k credit.

Q4: Agar loan nahi chahiye toh kya karun?
A: App se contact karo, lekin reviews ke according help nahi milti. Bank se transaction reverse try karo.

Q5: Threats mil rahe hain, kya karun?
A: Immediately cyber police ko report karo. Ye illegal hai.

Q6: Better alternatives kaun se hain?
A: Banks jaise SBI, HDFC, ya apps jaise MoneyTap, jo regulated hain.

Q7: App ka developer kaun hai?
A: Zingool Innovations, lekin unke replies fake lagte hain.

Q8: Play Store par rating high kyun hai?
A: Shायद fake reviews, kyunki critical ones bahut hain.

Q9: Loan repay na karun toh kya hoga?
A: Threats, CIBIL score kharab, legal action.

Q10: Kyun avoid karun is app ko?
A: Debt trap, privacy issues, unethical practices.