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.
- 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. - 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. - 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.” - 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:
- Download and Registration: Play Store se download karo, Aadhaar, PAN, bank details daalo.
- Eligibility Check: App claim karti hai quick check, lekin yahin par trap hai – check karte hi loan approve ho jaata hai bina pooche.
- Loan Approval: Amount approve hota hai, lekin disbursed amount kam hota hai high fees ke wajah se.
- Disbursal: Paise account mein aa jaate hain, aur app message bhejti hai repayment ke liye.
- 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.