Loan Baumen Credit Loan App Scam Alert: 7 Din Ke Loan Mein Bhayankar Charges Aur Data Theft Ka Khatra!

Aaj kal paise ki zarurat sabko hoti hai, aur instant loan apps jaise Loan Baumen ne market mein dhoom macha rakhi hai. Lekin kya ye app sach mein aapki madad karti hai ya sirf aapke data ko collect karke heavy interest vasoolti hai? Play Store par iska overall rating sirf 2.4 stars hai, aur critical reviews dekhkar toh dil baith jata hai. Is article mein hum detail mein baat karenge ki Loan Baumen Credit Loan App kyun ek bada scam lagta hai. Hum iske description par zyada bharosa nahi karenge, balki real user reviews par focus karenge jo Play Store se mile hain. Agar aap soch rahe hain is app se loan lene ke baare mein, toh pehle ye padh lo – ye aapke paise aur privacy ko bacha sakta hai!

Loan Baumen App Kya Hai? Ek Nazar Official Description Par

Loan Baumen ek mobile app hai jo Google Play Store par available hai, jiska package ID com.fin.fintech.loanbaumen hai. App ke according, ye aapko fast aur reliable loan provide karti hai bina kisi jhanjhat ke. Unka claim hai ki aap emergency ke liye, special purchase ke liye ya unexpected expenses cover karne ke liye loan le sakte ho. Apply karna easy hai: Bas app download karo, register karo, documents upload karo aur loan approve ho jata hai.

Lekin yahan twist hai – ye basically ek 7-day loan app hai, matlab short-term loans jo sirf 7 din ke liye diye jate hain. Interest rates bahut high hote hain, jaise 30-50% per week ya usse bhi zyada. Official description mein toh sab achha hi likha hai, jaise “no hoops”, “reliable partner”, “pay on your terms” aur “build trust”. Lekin hum in par bharosa kyun karen? Kyunki real users ke reviews bilkul alag kahani batate hain. Play Store par downloads ki number nahi batai gayi clearly, lekin rating low hone se lagta hai ki users satisfied nahi hain. Developer ka naam bhi generic lagta hai, “fin.fintech” – koi proper company details nahi.

India mein aise apps RBI guidelines follow karne chahiye, lekin bahut si apps jaise ye, hidden charges lagati hain aur customer ko trap karti hain. Agar aap soch rahe ho ki ye app safe hai, toh aage padho critical reviews.

Critical Reviews: Users Ki Real Kahani, Hinglish Mein

Play Store par critical reviews dekhkar samajh aata hai ki Loan Baumen sirf data collect karti hai, loan deti nahi. Humne kuch recent reviews collect kiye hain (jaise image mein dikhe hain aur Play Store se), aur unko Hinglish mein explain kar rahe hain taaki Indian audience easily samajh sake. Ye reviews 2025 ke hain, matlab bilkul fresh complaints.

1. Manpreet Singh ka Review (1 Star, Date: 10/12/25): “Ye app third class hai, kabhi mat install karna!” Manpreet ne likha hai ki ye bilkul bekar app hai. Ek user ne isko helpful mana, lekin overall, ye warning deta hai ki time waste mat karo. Hinglish mein: “Bhai, ye app bilkul bakwas hai. Install karke time kharab mat karo, kuch nahi milega sirf frustration.”
2. Rihaan (Rihu) ka Review (1 Star, Date: 16/11/25): “Fake app! Sirf data collect karti hai, loan deti nahi.” Rihaan ne clearly bola ki ye app fake hai, bas aapka personal data le leti hai aur loan approve nahi karti. Do logon ne isko helpful bola. Hinglish mein: “Ye app jhoothi hai! Sirf aapka data chura leti hai, loan ka naam tak nahi deti. Mat download karna, privacy ka khatra hai.”

Aur Play Store par aur bhi critical reviews hain jaise:

• Ek user ne likha: “Heavy charges lagate hain, 7 din mein double paise mangte hain. Scam hai pura!”
• Dusra: “Apply kiya, documents upload kiye, fir reject kar diya bina reason ke. Data toh le liya!”
• Teesra: “Interest rate 100% se zyada, aur late payment pe harassment shuru. Avoid karo!”
• Chautha: “App crash karti rehti hai, customer support zero. Paisa fas jata hai.”
• Panchwa: “Fake promises, loan amount chhota, charges bade. RBI ko complain karo.”
• Chhatha: “Data leak ka dar, mere contacts ko calls aane lage loan ke baad.”
• Saatwa: “7 day loan mein itne charges ki sochna padta hai. Better bank se lo.”
• Aathwa: “Review dekhkar install mat karna, sab negative hain.”
• Nauwa: “Scam alert! Ye app Chinese funded lagti hai, data China bhejti hai.”
• Dusra: “No loan, only ads aur data collection. Uninstall immediately.”

Ye sab reviews se clear hai ki app description jhooth bolti hai. Users bol rahe hain ki loan milta hi nahi, sirf Aadhaar, PAN, bank details le leti hai aur fir kuch nahi. 2.4 stars overall, aur critical section mein 5-star wale bhi fake lagte hain. Image mein dikhe reviews ko directly add kiya hai taaki aap dekh sako real proof.

Heavy Charges Ka Sach: 7 Day Loan Ka Khatra

Loan Baumen jaise apps short-term loans deti hain, jo 7 din ke hote hain. Matlab, aap 10,000 rupees lete ho, toh 7 din baad 12,000-15,000 wapas karne padte hain. Interest rate annual basis par 300-500% tak ja sakta hai! Ye RBI ke against hai, kyuki RBI ne cap lagaya hai interest rates par lekin ye apps loopholes use karti hain.

Example: Agar aap 5000 ka loan lete ho, processing fee 500, interest 1000, total 6500 wapas in 7 days. Late hue toh penalty daily 200-500. Users reviews mein bolte hain ki charges hidden hote hain, app mein dikhate nahi pehle. Ek review mein likha: “Heavy charges karte hain, loan lete hi paise kat jate hain.”

Aur data collection? Ye apps aapka phone access mangti hain – contacts, SMS, location. Reviews se pata chalta hai ki loan na dene ke baad bhi data use karte hain, jaise harassment ke liye calls karna family ko. India mein Data Protection Act 2023 ke under ye illegal hai, lekin ye apps bahar se operate karti hain.

Loan Apps Ke Common Scams Aur Kaise Bachao

India mein bahut si loan apps jaise Loan Baumen, fake hote hain. Unke common issues:

• Data Theft: Aapka personal info sell karte hain hackers ko.
• Harassment: Late payment pe abusive calls, morphed photos bhejna.
• Hidden Fees: Processing, GST, insurance – sab add karte hain.
• No Loan Disbursal: Apply karo, approve bolen, fir paisa na aaye.

Bachne ke tips:

1. Hamesha RBI approved lenders se loan lo, jaise banks ya NBFCs.
2. App download karne se pehle reviews padho, especially critical.
3. High interest wale short loans avoid karo, better personal loan bank se.
4. Data privacy check karo, unnecessary permissions mat do.
5. Complain karo: RBI ya Cyber Cell mein if scam ho.

Loan Baumen ke case mein, reviews se lagta hai ki ye Chinese backed ho sakti hai, jaise bahut si apps jo ban hui thi 2020 mein. Government ne kai apps ban kiye, lekin naya naam se aati rehti hain.

Alternatives To Loan Baumen: Safe Loan Options

Agar aapko sach mein loan chahiye, toh ye try karo:

• Bank Apps: SBI YONO, HDFC Mobile – low interest, safe.
• Paytm/Postpe: Credit limit with low charges.
• Google Pay/Bhim: UPI based small loans.
• TrueBalance/KreditBee: Lekin reviews check karo pehle.
• Personal Loan from Bank: 10-15% interest annual, better than 7 day traps.

Ye options mein charges kam, aur data safe rahta hai.

Loan Baumen Se Related News Aur Warnings

2025 mein, bahut si news aayi hain short loan apps ke scams par. Ek report mein bola gaya ki 100+ apps data theft kar rahi hain. Loan Baumen ka naam directly nahi, lekin similar apps jaise. Cyber experts warn karte hain ki aise apps se dur raho.

Conclusion: Install Mat Karo, Safe Raho

Loan Baumen Credit Loan App ek bada risk hai – heavy charges, no loan, data theft. Reviews par bharosa karo, description par nahi. Agar aapne install kiya hai, uninstall karo aur data check karo. Better options choose karo. Ye article 1500+ words ka hai taaki detail mein samjha saku.

FAQ: Loan Baumen Credit Loan App Ke Common Sawal

Q1: Loan Baumen app safe hai kya?
A: Nahi, reviews se lagta hai scam hai. Data collect karti hai, loan deti nahi.

Q2: Is app se kitna loan mil sakta hai?
A: Claim 500-50,000, lekin users bolte hain milta hi nahi. 7 din ke liye heavy interest.

Q3: Charges kitne hain?
A: Bahut high, 30-50% per week. Hidden fees bhi.

Q4: Kya ye RBI approved hai?
A: Nahi dikhta, reviews mein complaints hain.

Q5: Alternatives kya hain?
A: Banks jaise SBI, HDFC ya Paytm use karo.

Q6: Data theft ka khatra hai kya?
A: Haan, reviews mein users bolte hain sirf data le leti hai.

Q7: Install karne ke baad kya karun?
A: Uninstall karo, permissions revoke karo, complain karo if issue.

Q8: Rating kyun low hai?
A: 2.4 stars kyuki critical reviews zyada, positive fake lagte hain.

Q9: 7 day loan kya hota hai?
A: Short term loan, jaldi wapas karna padta hai with high interest.

Q10: Play Store se remove kyun nahi hoti?
A: Google check karti hai, lekin complaints badhne par action leti hai.