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

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

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

CreditVue – Loan Guard Kya Hai? (App Overview)

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

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

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

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

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

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

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

Play Store Critical Reviews – Real Users Ki Stories

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

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

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

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

Risks Aur Problems Jo Users Face Karte Hain

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

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

Alternatives to CreditVue – Loan Guard

Safe options:

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

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

FAQ – CreditVue Loan Guard Ke Baare Mein Common Questions

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

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

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

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

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

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

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

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

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