OakLoan App Scam Exposed: 7 Day Loan Ke Naam Par Fraud Aur Heavy Charges, Real Reviews Padho Aur Bacho!

Aaj kal digital world mein personal loan apps bahut popular ho gaye hain, lekin sabhi apps trustworthy nahi hote. OakLoan – Personal Loan App, jo Play Store par 4.7 star rating ke saath dikhta hai, asal mein ek bada scam ho sakta hai. Yeh app 7 day loan ke naam par logon ko fasati hai, heavy interest charges lagati hai, aur bina permission ke paise account mein daal kar harassment shuru kar deti hai. Is article mein hum detail se baat karenge OakLoan app ke baare mein, uske fake promises, real user reviews (jo Play Store se liye gaye hain aur screenshots mein dikhaye gaye hain), aur kaise yeh app aapke data aur paise ko risk mein daal sakti hai. Agar aap “OakLoan app review”, “OakLoan scam”, “7 day loan app fraud India”, ya “instant personal loan app real or fake” search kar rahe ho, toh yeh article aapke liye hai. Hum yahan app ki official description par zyada bharosa nahi karenge, balki critical reviews par focus karenge jo users ne share kiye hain.

Yeh article Hinglish mein likha gaya hai taaki Indian audience easily samajh sake. Hum include karenge real reviews from Play Store, jo user ne provide kiye screenshots se liye gaye hain, aur extra tips kaise aise scams se bacha jaaye. Article ke end mein FAQs bhi hain. Chaliye shuru karte hain!

OakLoan App Kya Hai? Official Description Vs Real Picture

OakLoan – Personal Loan App ek mobile application hai jo Google Play Store par available hai, jiska package ID com.planstack.finance hai. App ki official description ke mutabik, yeh instant personal loans provide karti hai, jismein features jaise quick approval, minimal documentation, aur flexible repayment options hain. Play Store par yeh claim karta hai ki aap minutes mein loan approve karwa sakte ho, aur yeh safe aur secure hai. Developer ka naam Planstack hai, aur app ko lakhs downloads mil chuke hain. 2

Lekin yeh sab sirf marketing gimmick lagta hai. Asal mein, yeh ek typical 7 day loan app hai jo short-term loans deti hai, lekin interest rates bahut high hote hain – kabhi-kabhi 100% se bhi zyada annualised. For example, agar aap 900 rupees loan lete ho, toh repay karna padta hai 1500 rupees sirf 7 days mein. Yeh RBI guidelines ke against ho sakta hai, kyunki genuine loan apps transparent hote hain aur heavy charges nahi lagate.

Users ke reviews se pata chalta hai ki app bina final confirmation ke paise disburse kar deti hai, aur phir repayment ke liye harass karti hai. Official description mein toh “instant approval” bolte hain, lekin reality mein yeh “unauthorized disbursement” hota hai. Ek FTC alert ke mutabik, aise unexpected loans ke calls ya disbursements ignore karne chahiye, kyunki yeh scam ka part hote hain. 8 Tamil Nadu Cyber Crime wing ne bhi warn kiya hai ki fake loan apps data steal karte hain aur harassment karte hain. 10

YouTube par bhi kai reviews hain jaise “OakLoan App Real Or Fake” jismein users bata rahe hain ki yeh fraud hai. 1 Ek recent video mein discuss kiya gaya hai ki app loan repayment ke naam par extra charges mangti hai aur helpline block kar deti hai. 5

OakLoan App Ke Critical Reviews: Users Ki Real Kahaniyan

Ab aate hain asli mudde par – Play Store ke reviews. App ki rating 4.7 dikhti hai, lekin jab aap sort by lowest ratings karoge, toh hazaron negative reviews milenge. User ne provide kiye screenshots se humne kuch important reviews collect kiye hain, jo Hinglish mein translate kiye gaye hain taaki aap easily samajh sake. Yeh reviews show karte hain ki app fraud hai, data collect karti hai, aur harassment karti hai.

1. Anonymous User (Date: Unknown, 1 Star): “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 Play Store se remove karo ise ya kisi aur platform se.” (4 logon ne helpful bola.) Yeh review bata raha hai ki app loan ke naam par sirf personal info chori karti hai, jo bahut dangerous hai.
2. Mohit Singh Rajput (Date: 20/12/25, 1 Star): “Fake app, bahut zyada fake. Yeh log bahut dangerous hain, in apps ko install mat karo, woh aapke photo use karenge aur fake photos bana kar harass karenge.” (5 logon ne helpful bola.) Yahan clear hai ki app photos misuse karti hai, jo privacy violation hai.
3. Vishal Mahadik (Date: 11/10/25, 1 Star): “Maine is app se koi loan nahi liya, main application cancel karna chahta hoon, ab koi amount nahi chahiye. Ab police complaint karunga aapke against, aapne mere account mein 900 Rs credit kar diye bina permission ke. Main yeh loan nahi chahta, kyun disbursed kiya 900 Rs mere account mein bina ijazat ke? Aur repay ka option bhi nahi show ho raha. Amount personal account se aaya Subhjit Mandal ka UPI se, kyun yeh payment kiya? Main nahi chahta yeh.” (37 logon ne helpful bola.) Yeh ek common complaint hai – bina apply kiye paise daal dete hain aur phir repay mangte hain double amount.
4. Harish Aswal (Date: 24/10/25, 1 Star): “Mera experience achha nahi hai kyunki unhone bina permission ke paise mere account mein transfer kar diye, loan agreement bhi nahi share kiya, aur loan sirf 7 days ka offer kiya. Maine loan 1 din pehle repay kar diya, phir bhi woh WhatsApp par threaten karne lage.” (5 logon ne helpful bola.) Yahan 7 day loan aur harassment highlight ho raha hai.
5. Ranti Saha (Date: 16/10/25, 1 Star): “Maine aapke application se koi loan apply nahi kiya, phir kyun 900 Rupees mere bank account mein credit kiye? Ab app show kar raha hai ki mujhe 1500 Rupees pay karne hain. Aapne credit ke liye poocha bhi nahi. Helpline number bhi block kar diya. Ab kya karun? Police case file karun ya aap mere 900 Rupees wapas lo? Agar aaj batao nahi toh kal police case file karungi aapke against. Aap ek useless company ho.” (15 logon ne helpful bola.) Yeh review unauthorized credit aur no support ko dikha raha hai.
6. Jb Thakor (Date: 15/10/25, 1 Star): “OakLoan App install mat karo, sirf aapka data collect karega, bakwas app.”
7. Lalita Kumari Sahu (Date: 18/10/25, 1 Star): “Sirf time pass, koi loan nahi, data collection loan app.”
8. Riyaz Ali (Date: 09/11/25, 1 Star): “Yeh fraud hai bhaiyo, is type ka app install mat karo.”
9. Sundara Ganesan (Date: 12/10/25, 1 Star): “Fraud app. Apna time waste mat karo.”

Yeh sab reviews Play Store se liye gaye hain (link: https://play.google.com/store/apps/details?id=com.planstack.finance), aur yeh show karte hain ki app reliable nahi hai. Kai users ne bola ki app photos aur contacts access le kar misuse karti hai, fake nudes bana kar blackmail karti hai. Ek YouTube review mein bhi yeh hi bataya gaya hai ki app repayment ke time par extra demands karti hai. 5

Aur bhi kai complaints hain jaise helpline unresponsive, no repayment options, aur personal accounts se paise bhejna (jaise Subhjit Mandal ka UPI). Yeh sab red flags hain jo indicate karte hain ki yeh ek scam app hai.

OakLoan App Ke Common Problems Aur Warnings

OakLoan jaise apps ke saath kai issues hote hain:

1. Unauthorized Loan Disbursement: Kai users ne complain kiya ki bina final approval ke small amounts (jaise 900 Rs) account mein aa jaate hain, aur phir repay double karna padta hai. Yeh ek common scam tactic hai jahan fraudsters aapko trap karte hain.
2. Heavy Charges Aur Short Tenure: Sirf 7 days ka loan, interest itna high ki effective rate 200-300% ho jaati hai. Genuine apps jaise Paytm Money ya Bajaj Finserv mein aisa nahi hota.
3. Data Theft Aur Harassment: App gallery, contacts, SMS access mangti hai, aur agar repay na karo toh family ko threaten karte hain, fake photos bhejte hain. Yeh illegal hai aur Cyber Crime ke under aata hai.
4. No Customer Support: Helpline block, no email response. Agar problem ho toh koi madad nahi.

Warnings: RBI ne warn kiya hai ki unlicensed loan apps se door raho. Agar aapko aisa unauthorized loan mila, toh usse repay mat karo, seedha police ya RBI ke consumer cell mein complain karo. FTC ke according, ignore unexpected loan calls. 8 India mein, Consumer Affairs Ministry ne bhi aise apps ke against action liya hai.

Kaise Bacho? Hamesha RBI registered NBFCs se loan lo, app download karne se pehle reviews padho (lowest ratings sort kar ke), aur permissions carefully do. Agar scam ho gaya, toh cybercell.gov.in par report karo.

Conclusion: OakLoan Se Door Raho

OakLoan app ek bada fraud lagta hai, jo 7 day loan ke naam par logon ko cheat karti hai. Official description attractive hai, lekin real reviews se pata chalta hai ki yeh data thief aur harassment tool hai. Mat install karo, aur agar kiya hai toh uninstall kar do. Share this article agar helpful laga, taaki aur log bach sake. “OakLoan scam 2025”, “fake loan apps India” jaise searches mein yeh top par aaye, taaki awareness badhe.

FAQs About OakLoan App

Q1: OakLoan app real hai ya fake?
A: Reviews ke basis par, yeh fake aur scam lagti hai. Users ne unauthorized disbursements aur harassment report kiye hain.

Q2: OakLoan se loan lene par kitna interest lagta hai?
A: Sirf 7 days mein 900 Rs ke liye 1500 repay, jo bahut heavy charges hain – effective 100%+ interest.

Q3: Agar bina permission ke paise aa gaye toh kya karun?
A: Repay mat karo, police complain file karo, aur bank se transaction reverse karwao.

Q4: OakLoan app safe hai?
A: Nahi, data theft aur privacy issues hain. Better alternatives use karo.

Q5: Play Store par high rating kaise?
A: Fake reviews ho sakte hain, lowest ratings check karo for real picture.

Q6: Harassment rokne ke liye kya karun?
A: Block numbers, cyber crime portal par report, aur legal help lo.

Q7: OakLoan developer kaun hai?
A: Planstack, lekin unka no proper support.

Q8: Similar apps kaun se hain jo avoid karne chahiye?
A: Koi bhi unlicensed 7 day loan apps jaise QuickLoan, EasyCash – hamesha RBI check karo.

Yeh FAQs aapke doubts clear karenge. Safe raho!