21 Apr, 2025 By Loan Review
2025 ka Sabse Zabardast Personal Loan App: Bina Income Proof aur Cibil Score ke Milega Instant Loan!

Aaj ke time mein paisa har kisi ke sapno ka ek bada hissa ban chuka hai. Chahe baat ho ek nayi dukaan kholne ki, medical emergency ka kharcha uthane ki, ya phir apne dream vacation ke liye saving karne ki, paise ke bina har plan adhura sa lagta hai. Lekin kya karein jab bank aur traditional lenders aapko loan dene se mana kar dein, kyunki aapke paas income proof nahi hai ya Cibil score kam hai? Yahan tak ki agar aapka Cibil score bilkul zero ya “Not Available” hai, toh banks toh aapko dekhte hi darwaza band kar dete hain! Par tension lene ki zarurat nahi, kyunki 2025 ek aisa loan app leke aaya hai jo aapki life ko ekdum badal sakta hai—wo bhi bina kisi income proof ya Cibil score ke! Is article mein hum aapko ek aise magical app ke baare mein batayenge jo aapki financial problems ko chhutki mein solve kar sakta hai. Lekin iska naam? Woh toh hum bilkul last mein reveal karenge, thodi si curiosity toh banta hai!

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Bina Cibil aur Income Proof ke Loan: Sach ya Jhooth?

Agar aap soch rahe hain ki bina Cibil score aur income proof ke loan milna impossible hai, toh aap ekdum galat hain! 2025 mein technology ne financial world ko ek nayi disha di hai. Ab woh purane zamane ke tareeke nahin chalein jab aapko bank mein line lagani padti thi, dher saare documents dikhane padte the, aur phir bhi loan reject ho jata tha. Aaj ke digital loan apps ne rules hi badal diye hain. Ye apps Cibil score ko bypass karte hain aur aapki creditworthiness ko naye tareeke se check karte hain.

Toh yeh apps aapko loan ke liye eligible kaise maante hain? Iske peeche hai alternative data ka kamaal! Ye apps aapke bank account ke transactions, online shopping history, mobile bill payments, aur kabhi-kabhi toh aapke social media activity ko bhi dekhte hain. Agar aap apne utility bills ya phone recharge time pe karte hain, ya aapke bank account mein regular transactions dikhte hain, toh yeh apps aapko loan dene ke liye taiyaar ho jate hain. Aur sabse badi baat? Yeh process itna fast hai ki aap apni coffee pee rahe ho aur uske khatam hone se pehle aapka loan approve ho sakta hai!

2025 mein Is App ke Kya Hain Features?

Yeh naya loan app 2025 mein apne unique features ke wajah se sabka dil jeet raha hai. Aaiye dekhte hain iski kuch khas baatein:

  1. Instant Approval: Bas 5-10 minute mein aapka loan approve! Na koi lambi paperwork, na hi ghanto ka intezar.
  2. Minimum Documents: Sirf Aadhaar card, PAN card, aur ek selfie—bas yahi chahiye. Na koi salary slip, na ITR.
  3. Flexible Loan Amount: Aap 5,000 se lekar 1.25 lakh tak ka loan le sakte hain, aur repayment tenure 3 se 12 mahine tak choose kar sakte hain.
  4. No Cibil Check: Chahe aapka Cibil score 300 ho, -1 ho, ya bilkul na ho, is app ko koi farak nahi padta. Yeh aapki current financial habits pe focus karta hai.
  5. 24/7 Access: Subah 6 baje ya raat ke 3 baje, jab bhi aapko paiso ki zarurat ho, yeh app hamesha ready hai.
  6. Transparent Terms: Koi chhupa hua charge nahi. Interest rates 2.4% per month se shuru hote hain, aur saari conditions pehle hi clear kar di jati hain.
  7. User-Friendly Interface: App itna simple hai ki ekdum naye smartphone user bhi ise aasani se use kar sakte hain.

Kaise Kaam Karta Hai Yeh App?

Yeh app ek high-tech algorithm ka use karta hai jo aapki financial stability ko judge karta hai. Traditional banks Cibil score aur income proof pe depend karte hain, lekin yeh app alag hai. Iske liye aapke daily transactions, bill payments, aur banking habits kaafi hain. For example, agar aap apne phone ka bill ya electricity bill time pe pay karte hain, toh yeh app samajh jata hai ki aap responsible ho aur loan repay kar sakte ho.

Iske alawa, yeh app RBI-registered NBFCs ke saath partnership mein kaam karta hai, jo iski credibility ko aur badhata hai. Yani aapka data safe hai aur aap kisi fraud ka shikar nahi honge. Aur toh aur, is app ka approval rate bhi kaafi high hai, kyunki yeh chhote aur medium loans pe focus karta hai, jo aam aadmi ke liye perfect hain.

Kya Hain Iske Fayde?

Is app ke itne saare benefits hain ki aap hairan reh jayenge:

  • Newbies ke liye Perfect: Agar aapne kabhi loan nahi liya ya aapka Cibil score nahi hai, toh yeh app aapke liye ek golden opportunity hai.
  • Emergency ke liye Best: Medical bills, urgent repairs, ya last-minute travel—yeh app har situation mein kaam aata hai.
  • Credit Score Build Karo: Agar aap apne EMIs time pe pay karte ho, toh yeh app aapka credit score improve karne mein bhi madad karta hai.
  • No Middleman: Direct app se loan milta hai, toh koi agent ya broker ke chakkar mein nahi padna.
  • Small Businesses ke liye Vardan: Agar aap ek chhota sa business shuru karna chahte ho, toh yeh app aapko initial funding de sakta hai.

Lekin Thodi Si Savdhani Bhi Zaruri Hai!

Har cheez ke saath thodi si responsibility bhi aati hai, aur yeh loan app bhi isse alag nahi. Bina Cibil aur income proof ke loan milna ek badi suvidha hai, lekin iske kuch risks bhi hain:

  • High Interest Rates: Banks ke comparison mein in apps ke interest rates thode high hote hain—18% se 54% per year tak. Isliye hamesha apni repayment capacity check karein.
  • Penalty Charges: Agar aap EMI time pe nahi chukate, toh late fees aur penalties lag sakti hain, jo aapke budget ko bigaad sakti hain.
  • Data Privacy: Hamesha check karein ki app RBI-approved NBFC ke saath kaam karta ho, warna aapka personal data misuse ho sakta hai.
  • Over-Borrowing: Zyada loan lene ka lobh na karein. Sirf utna hi loan lein jitna aap asani se repay kar sakte ho.

Kaun Use Kar Sakta Hai Yeh App?

Yeh app almost har kisi ke liye hai, lekin kuch basic requirements hain:

  • Aapki age 21 se 59 saal ke beech honi chahiye.
  • Aapke paas valid Aadhaar aur PAN card hona chahiye.
  • Ek active bank account aur mobile number zaroori hai.
  • Indian citizen hona chahiye.

Is app ka sabse bada plus point yeh hai ki yeh students, freelancers, small business owners, aur even housewives ke liye bhi perfect hai. Chahe aapka koi fixed income source na ho, yeh app aapko financially empower karta hai.

Kaise Apply Kare? Step-by-Step Guide

Ab aaiye jante hain ki is app se loan lene ka process kya hai. Yeh itna simple hai ki aap ghar baithe, apne phone se sab kuch kar sakte hain:

  1. App Download Karein: Google Play Store ya App Store se app download karein.
  2. Sign Up Karein: Apne mobile number aur email ID se register karein. Ek OTP ke through verify karna hoga.
  3. KYC Complete Karein: Aadhaar card, PAN card, aur ek selfie upload karein. Aadhaar-linked OTP se verification ho jayega.
  4. Loan Offer Dekhein: App aapke bank details aur alternative data ke basis pe aapko loan offers dikhayega. Aap apni zarurat ke hisaab se amount aur tenure select karein.
  5. Paisa Prapt Karein: Loan approve hone ke baad paisa direct aapke bank account mein transfer ho jayega—kabhi kabhi toh 15-30 minute ke andar!

Real-Life Examples

Chaliye, kuch real-life scenarios dekhte hain jahan yeh app kaam aa sakta hai:

  • Rohan, ek Freelancer: Rohan ek graphic designer hai jisko ek naye laptop ki zarurat thi. Lekin uska Cibil score nahi tha aur banks ne uska loan reject kar diya. Is app ke through usne 50,000 ka loan liya aur apna business grow kiya.
  • Priya, ek Student: Priya ko apne college fees ke liye 20,000 ki zarurat thi. Uske paas koi job nahi thi, lekin is app ne uske regular phone bill payments ke basis pe loan diya.
  • Amit, ek Shopkeeper: Amit ko apni dukaan ke liye extra stock kharidna tha. Is app se usne 80,000 ka loan liya aur apna business double kar liya.

Yeh App Kyun Hai Sabse Alag?

Yeh app na sirf loan deta hai, balki aapki financial journey ko empower karta hai. Iska focus hai un logon pe jo traditional banking system se bahar reh jate hain. Students, new entrepreneurs, ya woh log jo abhi credit world mein naye hain, sabke liye yeh ek game-changer hai. Plus, iska user-friendly design aur quick response time ise har age group ke liye perfect banata hai.

Iske alawa, yeh app aapko financial discipline sikhata hai. Agar aap apne EMIs time pe pay karte hain, toh aapka credit score bhi improve hota hai, jo future mein bade loans ke liye kaam aata hai. Yani yeh app na sirf aaj ke liye hai, balki aapke kal ko bhi better banata hai.

Toh Kya Hai Is App ka Naam?

Ab suspense khatam karne ka time aa gaya hai! Yeh revolutionary loan app hai—True Balance! Ji haan, True Balance ek aisa digital lending platform hai jo RBI-registered NBFCs ke saath kaam karta hai aur bina Cibil score ya income proof ke loans deta hai. Iska simple interface, fast processing, aur transparent policies ne ise 2025 mein India ka favorite loan app bana diya hai.

Last Mein Ek Advice

True Balance jaise apps aapki life ko asaan bana sakte hain, lekin hamesha smartly borrow karein. Loan lene se pehle app ki terms and conditions dhyan se padhein. Interest rates, processing fees, aur repayment schedule ko samajh lein. Aur sabse badi baat, sirf utna hi loan lein jitna aap asani se repay kar sakte ho. Financial freedom pane ka yeh ek shandaar tareeka hai, bas thodi si planning ke saath!

Toh ab wait kis baat ka? True Balance abhi download karein aur apne sapno ko hakikat mein badle. Lekin yaad rakhein—loan lena ek badi zimmedari hai. Apne budget ka dhyan rakhein aur hamesha RBI-approved platforms ka hi use karein.

Disclaimer: Loan lene se pehle True Balance ki official website ya app pe saari details check karein. Interest rates aur charges aapke loan amount aur profile ke hisaab se alag-alag ho sakte hain. Hamesha safe aur verified platforms ka use karein.

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18 Apr, 2025 By Loan Review
BetterPlace Money Loan App Review 2025: Sach Kya Hai?

Intro: Ek Nayi Duniya of Digital Lending
Aaj ke fast-paced zamane mein, jab paise ki zarurat ek dam se pad jati hai, apps like BetterPlace Money frontline workers ke liye ek nayi ummeed ban kar ubhre hain. Yeh app chhote, instant loans ka wada karta hai, wo bhi bina kisi bade jhanjhat ya paperwork ke. Par kya yeh sach mein itna simple aur reliable hai? Aao, 2025 ke is review mein BetterPlace Money ke features, faayde, nuksaan, aur asli user reviews ke saath iski gehrai mein utarte hain, ek unique style mein, taaki yeh bilkul fresh lage!

BetterPlace Money Kya Hai?
BetterPlace Money, jo BetterPlace Safety Solutions Pvt Ltd ne banaya hai, ek aisa platform hai jo India ke frontline workers—like delivery boys, gig workers—ke liye financial help deta hai. Yeh NBFCs jaise Liquiloans (NDX P2P Pvt Ltd) ke saath milke ₹25,000 tak ke personal loans deta hai, wo bhi bina kisi guarantee ke. Google Play Store pe iske 1.6 million+ downloads hain aur 2025 tak 2 lakh se zyada loans sanction ho chuke hain. Yeh app simplicity aur financial inclusion pe focus karta hai, par isme kitna dum hai, yeh dekhte hain.

Features: Kya Kya Milta Hai?

  1. Loan Amount aur Tenure
    • ₹25,000 tak ka loan mil sakta hai.
    • Repayment 3 se 6 mahine ka hota hai, jo short-term needs ke liye perfect hai.
    • Misal ke taur pe: ₹10,000 ka loan agar 1.5% monthly interest pe 3 mahine ke liye liya, toh ₹450 interest + ₹300 processing fee, matlab total ₹10,450 repay karna hoga (APR: 30.4%).
  2. Interest aur Fees
    • Interest rate 1% se 3% monthly (20% se 50% APR), jo kaafi high hai.
    • Processing fee ₹200 se ₹600 tak (GST alag se).
    • App ka dawa hai ki koi chhupi fees nahi, jo transparency dikhaata hai.
  3. Eligibility aur Documents
    • Indian citizen hona chahiye, umar 20+ honi chahiye, aur Aadhar/PAN jaise basic ID proofs chahiye.
    • Sab kuch digital hai—no need to visit any office!
  4. App ka Interface
    • 2 minute mein loan apply kar sakte ho, itna simple hai.
    • Loan status track karo, direct app se payment karo, aur agar time pe repay karo toh bada loan mil sakta hai.
  5. Employer Connection
    • Yeh app companies ke saath tie-up karta hai taaki unke workers ko loans mile.
    • Swiggy jaise platforms ke delivery boys ke liye yeh kaafi popular hai, with features like WageBetter for early salary access.

Faayde: Kyun Pasand Karna Chahiye?

  • Jaldi Paise: Loan approve hote hi paise bank account mein, sometimes in hours!
  • Aasani: Low credit history walon ke liye bhi chance, jo financial inclusion ko badhawa deta hai.
  • No Collateral: Koi cheez girvi rakhne ki zarurat nahi.
  • Digital Vibes: Paperless process aur 24/7 access, perfect for busy life.
  • Clear Terms: Interest, fees sab clear bataye jaate hain, no hidden shocks.

Nuksaan: Kahan Hai Problem?

  • Zyada Interest: 20-50% APR bank loans (jaise SBI ka 10.99%) se kaafi costly hai. Low-income workers ke liye yeh bojh ban sakta hai.
  • CIBIL ka Jhol: Kai users bolte hain ki time pe payment ke bawajood app late payment mark karta hai, jisse CIBIL score gir jata hai (jaise 750 se 701).
  • Customer Support ka Rona: Email ya WhatsApp pe reply nahi milta, aur call support toh hai hi nahi.
  • Tech Issues: OTP ya verification ke time glitches, jo process rok deta hai.
  • Chhota Loan: ₹25,000 ki limit badi zaruraton ke liye kaafi nahi.

Asli Users Ka Feedback: Suno Dil Se
Yeh app kisi ke liye game-changer hai, toh kisi ke liye headache. Niche kuch real reviews hain jo users ne Google Play Store pe chhode, taaki tumhe sachchai ka andaza ho:

  • Venky Naralasetty (20 Feb 2025): “Maine due amount time se pehle pay kiya, phir bhi unhone dobara paise kaat liye aur abhi bhi dikhata hai ki payment pending hai. Sabse badi problem—no customer care, no call support! Soch lo do baar loan lene se pehle.” 46 logon ne isse helpful bola.
    Company Reply (22 Feb): “Sorry for the trouble, email loansupport@betterplace.co.in pe likho, jaldi solve karenge.”
  • Oli Rumi (7 Apr 2025): “Bohot kharab app, yeh Swiggy delivery boys ko target karta hai. Interest itna zyada—₹2000 ke loan pe 4 hafte mein ₹4000-5000 maangte hain. Delivery boys ko interest ka pata nahi hota, aur weekly salary se paise kaat lete hain.” 7 logon ne support kiya.
  • Dilli Babu (10 Apr 2025): “Is baar Avanti Finance ke tie-up ne bohot bura experience diya. Maine payments time pe kiye, par unhone 4 hafte late mark kiya, jisse mera CIBIL score gir gaya. Waste of taking loan!” 3 log agree kiye.
  • Shekhar Suman (29 Oct 2024): “Socha tha yeh app sach mein help karega, par yeh toh scam hai. Verification ke naam pe personal info le liya, par na loan mila, na paise. Bas time waste!” 115 logon ne isse helpful kaha.
    Company Reply (30 Oct): “Sorry for the issue, loansupport@betterplace.co.in pe contact karo, hum help karenge.”
  • Hemanth Siragowni Shiva Kumar (9 Feb 2025): “Fraud app hai! Repay karne ke baad bhi late payment mark kiya, mera CIBIL score kharab ho gaya. Customer support kabhi jawab nahi deta—na email, na WhatsApp, na call. Please isse door raho!” 39 logon ne support kiya.
    Company Reply (19 Feb): “We’re sorry, detailed feedback do taaki hum help kar sakein.”
  • Shaik Shashavali (8 Feb 2025): “Is app pe bharosa mat karo, yeh CIBIL kharab karta hai. Mera score 750 tha, time pe repay kiya par last 2 EMI update nahi kiye. Ab score 701 hai, aur ab mujhe loan nahi mil raha.”

Competitors Se Takkar
Agar compare karo apps like MoneyTap ya Kreditbee se, toh BetterPlace ka frontline workers pe focus unique hai. Par Moneyview jaise apps 10% se shuru hone wale interest rates aur ₹10 lakh tak ke loans dete hain, jo bada advantage hai. Plus, unka customer support aur CIBIL handling BetterPlace se behtar hai.

Safe Hai Ya Nahi?
BetterPlace Money RBI-approved NBFC Liquiloans ke saath kaam karta hai, jo isse legit banata hai. Data encryption bhi strong hai, aur 1.2 million active users ispe bharosa dikhate hain. Par customer support aur CIBIL ke issues iski reliability pe sawaal uthate hain.

Smart Borrowing Ke Tips

  • Terms Samjho: Interest aur fees ka total hisaab laga lo. App ke sample loan example dekho.
  • Time Pe Repay: Isse bade loans milenge aur CIBIL safe rahega.
  • Limit Mein Raho: Baar-baar loan lene se bachho, warna dependency ban sakti hai.
  • Options Dekho: Moneyview ya Bajaj Finserv jaise apps check karo, shayad better rates milein.

Final Verdict: Lene Ke Laayak Hai?
BetterPlace Money frontline workers ke liye ek tezi se paise dene wala tool hai, jo bina jhanjhat ke loan deta hai. Delivery boys aur gig workers ke liye iska Swiggy integration aur paperless process bada plus hai. Par high interest, CIBIL ke jhol, aur bekar customer support isse risky bhi banate hain. Agar tumhe urgent chhota loan chahiye aur terms clear hain, toh yeh kaam kar sakta hai. Par soch samajh ke kadam uthao, aur ho sake toh doosre apps bhi check karo.

Know About 3 New Defaulter Loan App
13 Apr, 2025 By Loan Review
CreditSea Connect Loan App Review: Kya Yeh Sach Mein Best Hai?

Aajkal loan apps ka craze badh raha hai, aur har koi ek aisa app dhoondh raha hai jo quick loan de aur bharosemand ho. CreditSea Connect Loan App ek naya naam hai jo Play Store pe dikh raha hai. Iska description aur user reviews ke basis pe hum iski ranking aur asliyat ko samajhenge. Kya yeh app top loan apps mein jagah bana sakta hai? Chalo, dekhte hain iska Hinglish review!

CreditSea Connect Kya Hai?

CreditSea Connect ek personal loan app hai jo 2 March 2025 ko launch hua. Yeh Android 5.0 ya usse upar ke devices pe chalta hai aur 1,000+ downloads ke saath kaafi dhyan kheench raha hai. App ka size sirf 27 MB hai aur yeh version 1.0.1 mein hai, jo 29 March 2025 ko update hua. Iska content rating 3+ hai, matlab yeh har age group ke liye safe hai. Developer CreditSea ke dwara offered, yeh app loan ke saath-saath side income ka bhi option deta hai, jaisa ki reviews mein dikhta hai.

Lekin kya yeh app sach mein itna acha hai jitna dikhta hai? Aaiye iske pros, cons, aur user feedback ke saath ranking dekhein.

Features of CreditSea Connect

Description ke hisaab se, CreditSea Connect ka focus simple aur fast loan process pe hai. Yeh app personal loans ke liye banaya gaya hai, aur isme kuchh alag features bhi hain jo reviews se pata chalte hain:

  • Quick Loan Approval: Users kehte hain ki loan jaldi approve hota hai.
  • Side Income Opportunity: App refer-and-earn model deta hai, jisme aap doosron ke loan applications bhar ke reward kama sakte hain.
  • Lightweight App: 27 MB ka size chhote phones pe bhi easily chalta hai.
  • Wide Compatibility: Android 5.0 ya usse upar ke devices pe kaam karta hai.

Lekin, iska description mein details kam hain, jaise interest rates, loan amount, ya repayment tenure. Yeh ek bada sawal hai jo ranking pe asar daalta hai.

User Reviews: Sach Kya Hai?

CreditSea Connect ke reviews mixed hain, jo iski ranking ko samajhne mein madad karte hain. Yahan 5-star aur 1-star reviews ka quick overview hai:

5-Star Reviews: Log Kyun Pasand Kar Rahe Hain?

  • Geeta Singh (3 April 2025): “Good app for loan and easy fast approved.” Geeta ko loan approval ka fast process pasand aaya.
  • TARUSH GUPTA (5 April 2025): “CreditSea Connect help me to have some side income on daily basis.” Tarush ne side income ke option ki tareef ki.
  • Anonymous User (3 April 2025): Ek user ne bataya ki unhone app ko side income ke liye try kiya aur 2 din mein earning shuru ho gayi. Unhe refer-and-earn system pasand aaya, jisme doosron ke loan applications bharne pe reward milta hai.
  • DIGITAL RJ (3 April 2025): Bas “good” kaha, jo positive feedback dikhata hai.

In reviews se lagta hai ki app ka loan process fast hai aur side income ka option kaafi logon ko attract kar raha hai. Yeh app ko top loan apps ke liye ek acha candidate banata hai.

1-Star Reviews: Kya Problem Hai?

  • Jk Rakesh Jakkena (5 April 2025): “Bad experience services…” Rakesh ne service ke saath kharab experience share kiya, lekin details nahi diye.
  • Doli Ahmed (5 April 2025): “Bakwas app subhe se aavi tak review me hi hai,,,, faltu app..” Doli ko app waste of time laga aur unhone review process mein issue bataya.

Yeh negative reviews dikhate hain ki kuchh users ko app ke services mein dikkat aayi, jaise slow processing ya customer support ki kami. Yeh app ki ranking ko thoda neeche la sakta hai.

Pros of CreditSea Connect

  • Fast Approval: Kai users ne loan approval ke speed ki tareef ki.
  • Side Income Ka Mauka: Refer-and-earn system se daily earning ka option.
  • User-Friendly: Chhota size aur simple interface, low-end phones ke liye acha.
  • New aur Growing: 1,000+ downloads ke saath app ka craze badh raha hai.

Cons of CreditSea Connect

  • Limited Info: Description mein interest rates, loan limits, ya terms clear nahi hain.
  • Mixed Reviews: 1-star reviews se service issues ka pata chalta hai.
  • Naya App: Sirf 1 mahine purana, to long-term reliability pe doubt hai.
  • Customer Support: Negative reviews mein support ke baare mein shikayat.

Ranking: Kahan Khada Hai CreditSea Connect?

Ab sawal yeh hai ki CreditSea Connect ko top loan apps mein kitna rank dena chahiye? Yahan ek fair ranking ka analysis hai:

  1. Ease of Use (4/5): App ka size chhota hai aur interface simple lagta hai. Android 5.0 ke phones pe bhi chalta hai, jo bada plus hai.
  2. Loan Approval Speed (4/5): 5-star reviews ke hisaab se loans jaldi approve hote hain, lekin 1-star reviews ke slow processing ke claims isse thoda kamzor karte hain.
  3. Side Income Feature (4.5/5): Refer-and-earn model kaafi unique hai aur users ko pasand aa raha hai. Yeh app ko alag banata hai.
  4. Transparency (2.5/5): Interest rates, loan amounts, ya repayment terms ke baare mein description mein kuchh nahi hai, jo bada minus hai.
  5. Reliability (3/5): Naya app hone ke wajah se thodi uncertainty hai. Mixed reviews bhi trust pe asar daalte hain.

Total Score: 18/25 (3.6/5)
CreditSea Connect ek promising app hai, lekin abhi kaafi improvements ki zarurat hai. Yeh top 10 loan apps mein shayad 7th ya 8th rank pe aaye, kyunki iske fast approval aur side income ke features acha impact daalte hain, par transparency aur service issues usse upar nahi jaane dete.

Top Loan Apps Ke Saath Comparison

Agar hum CreditSea Connect ko doosre popular apps jaise KreditBee ya MoneyView se compare karen, to yeh baatein samne aati hain:

  • KreditBee: Zyaada transparent hai, loan amounts aur rates clear hain, lekin side income ka option nahi.
  • MoneyView: Low credit score wale users ke liye acha, par CreditSea jaisa refer-and-earn nahi deta.
    CreditSea Connect ka unique selling point uska side income model hai, jo isse alag banata hai, lekin details ki kami isse peeche rakhti hai.

Kya Aapko CreditSea Connect Try Karna Chahiye?

Agar aap ek aisa app dhoondh rahe hain jo fast loan de aur saath mein side income ka mauka, to CreditSea Connect ek try ke layak hai. Lekin, in baaton ka dhyan rakhein:

  • Details Check Karo: Loan lene se pehle interest rates aur terms confirm karen.
  • Reviews Padhein: Doosre users ke experiences se idea milega.
  • Chhoti Shuruaat: Pehle chhota loan ya referral try karke app test karen.

Final Verdict

CreditSea Connect Loan App ek naya aur interesting option hai jo fast loans aur side income ka vaada karta hai. Iska lightweight design aur refer-and-earn feature isse kaafi attractive banate hain, lekin transparency ki kami aur mixed reviews isse top rank se thoda door rakhte hain. Abhi ke liye, yeh top 10 loan apps mein 7th ya 8th rank pe fit baithta hai. Agar aap emergency loan ya extra income ka source dhoondh rahe hain, to isse try kar sakte hain, par thodi savdhani ke saath…..

13 Apr, 2025 By Loan Review
ATD Money Personal Loan App Review: Salaried Logon Ke Liye Ek Bharosemand App

Aaj ke tezi se chalne wale zamane mein kabhi bhi financial emergency aa sakti hai, aur ek bharosemand loan app dhoondhna zaroori hai. ATD Money Personal Loan App, jo ATD Financial Services Pvt Ltd ke dwara chalayi jati hai, ek RBI-registered NBFC hai, aur salaried logon ke liye ek shandaar option hai. Yeh review batata hai ki ATD Money kyun ek quick aur safe loan app hai, iske features, user feedback, aur transparent tareeke ke saath.

ATD Money Kya Hai?

ATD Money ek digital lending platform hai jo salaried logon, khas kar low-salary earners ke liye banaya gaya hai, aur ₹50,000 tak ke personal aur payday loans deta hai. Medical emergency ho, roz ka kharcha, ya sudden paison ki kami, ATD Money 100% digital process ke saath loan deta hai. Yeh app Android (version 6.0 ya upar) pe available hai, aur March 17, 2025 ko launch hone ke baad 1,000 se zyada downloads ho chuke hain.

RBI ke saath registered NBFC (License No. B-12-00315) hone ke naate, ATD Money RBI 2022 Digital Lending Guidelines ko follow karta hai, jo isse transparent aur secure banata hai. Iske headquarters Noida, UP mein hain (C 316, B and C, Sector 10), aur contact ke liye email (info@atdmoney.com) aur helpline (9999589201) hai.

ATD Money Ke Top Features

ATD Money ke features salaried borrowers ke liye kaafi attractive hain:

  • Loan Amount: ₹50,000 tak, chhote ya medium needs ke liye perfect.
  • Flexible Tenure: Minimum 90 din se maximum 365 din tak, repayment ke liye kaafi time.
  • Interest Rates: Roz ka 0.067% ROI, yaani maximum 45.85% APR.
  • Fast Disbursal: Purane customers ko 10 minute mein paisa, naye users ko 30 minute mein.
  • No Hidden Charges: Documentation aur processing fees 3.5% se 7.5% (18% GST ke alawa), bilkul clear.
  • Zero Prepayment Charges: Jaldi repayment pe koi penalty nahi.
  • 100% Digital: Koi paperwork nahi, sab online.
  • Data Security: 496-bit SSL encryption se user data safe.

Loan ke liye bas chhote se documents chahiye: recent photo, PAN Card, Aadhaar Card, address proof, 6-mahine ka bank statement, aur 3-mahine ki salary slip.

Kaun Apply Kar Sakta Hai?

ATD Money ka loan lene ke liye yeh conditions puri karni hain:

  • Indian citizen
  • Salaried employee
  • Minimum ₹20,000 monthly salary
  • Umar 18 saal ya usse zyada
  • Valid PAN aur Aadhaar

Yeh rules ensure karte hain ki app stable income wale logon ko loan de.

Loan Ka Example: Saaf Calculation

ATD Money charges ko clearly batata hai. Ek ₹5,000 ke loan ke liye 91 din ke tenure mein:

  • Interest: ₹304.85
  • Processing + Documentation Fees (3.5% + 3.5%): ₹413 (₹63 GST ke saath)
  • Disbursed Amount: ₹4,587
  • Total Repayable Amount: ₹5,413

Agar repayment late hui, to penalty lagegi, jo email agreement mein clearly batayi jati hai.

Users Kya Bolte Hain?

ATD Money ko users se kaafi tareef mil rahi hai, jo iski reliability dikhati hai:

  • Anuj Mishra (10 April 2025): “ATD Money ne meri mushkil mein madad ki. Process itna fast tha—apply kiya aur usi din paisa mila! Bharosemand app.”
  • Divya Singh (10 April 2025): “Achanak paise ki zarurat padi, aur ATD Money ne bacha liya. Jaldi approval aur same day credit!”
  • Sangeet Kumar (10 April 2025): “Salaried logon ke liye fast aur clear app. Emergency ke liye perfect.”
  • Ishpuneet Singh (11 April 2025): “Kaafi helpful, Aman aur Shreya ne badi patience se madad ki.”
  • Subhranil Banerjee (10 April 2025): “ATD kaafi saalon se shandaar hai. Kishan Sahoo extra effort karta hai. Yeh paid review nahi!”
  • Atish Birwadkar (10 April 2025): “Best loan app! Instant loan mila, aur Shreya madam ne sab clear kiya. Thank you, ATD Money.”

Users ko fast disbursal, helpful staff, aur transparent process pasand hai. Koi negative review nahi mila, jo iski credibility dikhata hai.

ATD Money Kyun Chunein?

ATD Money kai wajah se alag hai:

  • RBI Compliant: Strict rules follow karta hai, bharosa deta hai.
  • Speed: Emergency ke liye jaldi approval aur paisa.
  • Transparency: Saaf terms, koi chhupa charge nahi.
  • Support: Aman, Shreya, aur Kishan jaise staff jaldi help karte hain.
  • Security: Data ko encryption se protect karta hai.
  • No Collateral: Sirf e-mandate chahiye, koi cheque nahi.

30,000 se zyada mini-loans de chuka hai, yeh app salaried logon ke liye solid hai.

Kaise Apply Karein?

Loan lena aasaan hai:

  1. Play Store se ATD Money App download karo.
  2. Sign up aur profile banao.
  3. Documents upload karo.
  4. Application submit karo, 3 minute mein approval status milega.
  5. E-sign agreement karo.
  6. 10–30 minute mein paisa bank account mein.

Kya Behtar Ho Sakta Hai?

ATD Money kaafi achha hai, par yeh cheezein improve ho sakti hain:

  • Aage jaake non-salaried logon ke liye loans.
  • Low-risk customers ke liye fees kam karna.
  • Zyaada languages mein support.

Final Baat: Ek Safe Aur Fast App

ATD Money Personal Loan App salaried Indians ke liye ek bharosemand, RBI-compliant app hai. Iska transparent pricing, jaldi disbursal, aur secure platform isse emergencies ya roz ke kharchon ke liye perfect banata hai. User reviews iski efficiency aur supportive team ki tareef karte hain. Agar aapka monthly salary ₹20,000 ya usse zyada hai, to ATD Money aapke liye ek solid option hai.

2 Apr, 2025 By Loan Review
10 Best Instant Personal Loan Apps Without Income Proofs in 2025: Your Ultimate Guide

In today’s fast-paced world, financial emergencies don’t wait for anyone. Whether it’s a sudden medical bill, an urgent car repair, or an unexpected expense, you might need cash fast—but what if you don’t have salary slips or tax returns to prove your income? Don’t worry! In 2025, instant personal loan apps have revolutionized the lending landscape, offering quick, hassle-free solutions without the need for traditional income proofs. These apps cater to freelancers, gig workers, self-employed individuals, and anyone with non-traditional income, making financial relief just a few taps away.

What sets these apps apart? They use cutting-edge technology like AI and alternative credit scoring to evaluate your eligibility, skipping the paperwork and delivering funds in record time. In this SEO-friendly, engaging article, we’ll dive into the 10 best instant personal loan apps without income proofs in 2025, explore why they’re a game-changer, and share tips to help you borrow smartly. Let’s get started!

Why Choose Instant Personal Loan Apps Without Income Proofs?

Before we jump into the list, let’s break down why these apps are worth your attention:

  • Lightning-Fast Convenience: Apply anytime, anywhere—no bank visits or endless forms required.
  • Speedy Approvals: Get approved in minutes and funds in your account within hours (sometimes even faster!).
  • Minimal Documentation: Say goodbye to salary slips. Most apps only need basic KYC details like your PAN card and address proof.
  • Flexible Repayment Options: Choose a repayment plan that fits your budget, from a few months to several years.
  • Inclusive Access: Perfect for freelancers, entrepreneurs, and gig workers who don’t have traditional income documentation.

Sounds great, right? But here’s a heads-up: while these apps offer quick cash, they often come with higher interest rates than traditional loans. Always read the fine print to avoid surprises. Now, let’s explore the top 10 apps that are making waves in 2025!

Top 10 Instant Personal Loan Apps Without Income Proofs in 2025

Here’s our curated list of the best apps delivering fast, reliable loans without the income proof hassle:

1. Moneyview

  • Loan Amount: Up to Rs. 10 Lakh
  • Interest Rate: Starts at 10.00% per annum
  • Why It’s Great: Moneyview shines with its quick disbursal and minimal documentation—just your PAN card and address proof. With flexible repayment options from 3 months to 5 years, it’s a top pick for both emergencies and planned expenses.

2. LazyPay

  • Loan Amount: Up to Rs. 5 Lakh
  • Interest Rate: Varies, with flexible EMIs
  • Why It’s Great: Powered by PayU, LazyPay offers instant approvals and zero paperwork. It uses alternative credit scoring, making it ideal for those without salary slips. Plus, its pocket-friendly EMI plans keep repayments manageable.

3. CASHe

  • Loan Amount: Rs. 1,000 to Rs. 4 Lakh
  • Interest Rate: Competitive, varies by profile
  • Why It’s Great: CASHe’s user-friendly interface and ability to approve multiple loans at once make it a standout. With minimal documentation and instant disbursal, it’s perfect for urgent cash needs.

4. IndiaLends

  • Loan Amount: Varies, up to Rs. 10 Lakh
  • Interest Rate: Starts at 10.25% per annum
  • Why It’s Great: IndiaLends connects you with over 70 RBI-approved lenders, offering transparency and fast disbursals (within 24 hours). Minimal paperwork and no hidden fees make it a trustworthy choice.

5. KreditBee

  • Loan Amount: Rs. 1,000 to Rs. 5 Lakh
  • Interest Rate: 1.02% to 2.49% per month
  • Why It’s Great: KreditBee targets young professionals with its 100% online, collateral-free process. Loans can be disbursed in as little as 10 minutes, and alternative data assessment opens doors for those without income proofs.

6. Hero FinCorp

  • Loan Amount: Up to Rs. 20 Lakh
  • Interest Rate: Low, varies by profile
  • Why It’s Great: Hero FinCorp’s fully digital app delivers loans in minutes with minimal documentation. Whether it’s an emergency or a big purchase, its high loan limits and fast processing have you covered.

7. StashFin

  • Loan Amount: Up to Rs. 5 Lakh
  • Interest Rate: Competitive, with flexible terms
  • Why It’s Great: StashFin offers instant loans with transparent terms and no hidden fees. Its advanced credit evaluation skips traditional income proofs, and flexible repayment plans suit any budget.

8. PaySense

  • Loan Amount: Rs. 5,000 to Rs. 5 Lakh
  • Interest Rate: Affordable, varies by profile
  • Why It’s Great: Now merged with LazyPay, PaySense provides paperless loans with quick approvals. It’s beginner-friendly, welcoming those new to credit, and offers tailored EMI options.

9. NIRA

  • Loan Amount: Up to Rs. 1 Lakh
  • Interest Rate: Varies, with quick processing
  • Why It’s Great: NIRA’s automatic credit evaluation uses online documents, skipping income proofs entirely. It’s ideal for short-term needs, with a simple sign-up and fast disbursal.

10. TrueBalance

  • Loan Amount: Rs. 5,000 to Rs. 1 Lakh
  • Interest Rate: Low processing fees, varies
  • Why It’s Great: TrueBalance combines loans with bill payment services, offering a one-stop financial solution. With minimal documentation and repayment tenures up to 6 months, it’s both convenient and affordable.

How to Pick the Perfect Loan App for You

With so many fantastic options, how do you choose? Here are key factors to consider:

  • Loan Amount: Need a small sum or a big boost? Pick an app that matches your requirement—some cap at Rs. 1 Lakh, others go up to Rs. 20 Lakh.
  • Interest Rates: Lower rates save you money. Compare apps to find the best deal.
  • Repayment Tenure: Look for flexibility—some offer months, others years. Choose what fits your cash flow.
  • Fees: Watch out for processing charges or penalties. Opt for apps with clear, upfront terms.
  • Eligibility: Check age, credit score, or other criteria. Some apps are more lenient than others.
  • Legitimacy: Stick to RBI-approved apps for safety and reliability.

Smart Borrowing Tips for 2025

These apps are a lifeline, but borrowing wisely is key. Here’s how to stay on top:

  • Borrow Only What You Need: Don’t overstretch—take just enough to cover your situation.
  • Read the Terms: Understand interest rates, fees, and repayment schedules before signing up.
  • Assess Your Budget: Ensure you can repay comfortably without financial strain.
  • Avoid Loan Stacking: Taking multiple loans can spiral out of control. One at a time is safer.

The Future of Instant Loans in 2025

In 2025, these apps are more advanced than ever, leveraging AI for smarter credit decisions and blockchain for secure transactions. They’re not just about convenience—they’re about inclusion, giving everyone a shot at financial support, no matter their income source. But with great power comes responsibility: higher interest rates and shorter terms can catch you off guard if you’re not careful.

Conclusion: Your Financial Lifeline Awaits

Whether it’s an unexpected emergency or a planned expense, the 10 best instant personal loan apps without income proofs in 2025 offer fast, accessible solutions at your fingertips. From Moneyview’s high limits to TrueBalance’s all-in-one convenience, there’s an app for every need. Just compare your options, read the fine print, and borrow responsibly to keep your finances in check.

Have you tried any of these apps? Drop your thoughts or questions in the comments—we’d love to hear from you! Let’s make 2025 the year you take control of your financial future.

27 Mar, 2025 By Loan Review
SalaryOnTime Loan App Review: Instant Loans Made Easy

Financial emergencies can strike at any moment, and having quick access to funds can make all the difference. The SalaryOnTime mobile application, developed by Kasar Credit and Capital Pvt Ltd, promises a hassle-free solution for instant personal loans. Whether you need a small sum or a larger amount, this app offers loans ranging from ₹5,000 to ₹1,00,000 with repayment tenures of up to 365 days. With competitive interest rates and a transparent Annual Percentage Rate (APR) calculation, SalaryOnTime aims to simplify borrowing for its users.

In this article, we’ll dive into how the app works, its repayment features, a detailed APR calculation example, and real customer reviews—both from satisfied and unsatisfied users—to give you a complete picture of what to expect.

What is SalaryOnTime?

SalaryOnTime is a digital loan platform designed to provide instant financial assistance without the complexities of traditional banking. Available for free on the App Store and Google Play Store, the app caters to individuals needing quick cash for emergencies or planned expenses. Its key selling points include flexible loan amounts, a repayment period of up to one year, and clear cost breakdowns, ensuring users know exactly what they’re signing up for.

How Does SalaryOnTime Work?

The app’s process is straightforward and user-friendly. Here’s how you can get a loan in just a few steps:

  1. Download the App:
  • Available on both the App Store and Google Play Store.
  • Free to download and use.
  1. Register:
  • Sign up with your phone number.
  • Fill in basic personal and financial details to complete your profile.
  1. Apply for a Loan:
  • Select a loan amount between ₹5,000 and ₹1,00,000.
  • Choose a repayment term of up to 365 days.
  • Upload required documents and submit your application.
  1. Get Approved:
  • Receive instant approval and a loan offer.
  • Review the terms and accept the offer.
  1. Receive Funds:
  • The loan amount is credited to your bank account within minutes.
  1. Repay on Time:
  • Follow the repayment schedule outlined in the app.
  • Use the secure payment gateway to make payments directly.

This digital-first approach eliminates paperwork and long waiting times, making SalaryOnTime an appealing choice for urgent financial needs.

salary on time loan

Repayment Schedule and APR Calculation

SalaryOnTime offers a flexible repayment tenure of up to 365 days, allowing borrowers to tailor the schedule to their budget. The app enhances convenience with automated reminders before due dates and provides a transparent breakdown of the principal, interest, and remaining balance.

To illustrate how the APR works, here’s a detailed example:

  • Loan Amount: ₹10,000
  • Monthly Interest Rate: 3%
  • Repayment Period: 12 months
  • Monthly Payment (EMI): ₹1,004.68
  • Total Repayment Amount: ₹12,056.16
  • Total Interest Paid: ₹2,056.16
  • Maximum APR: 42.576%
  • Minimum Repayment Period: 90 days
  • Maximum Repayment Period: 365 days

This example shows how a 3% monthly interest rate translates into an APR of 42.576% over a year, including the total cost of borrowing. The APR may vary depending on the loan amount and tenure, but SalaryOnTime ensures all details are clearly presented upfront.

TOP 10 LOAN APP IN INDIA AT 0 CIBIL SCORE

Customer Reviews: The Hits and Misses

Customer feedback provides valuable insight into the app’s performance. Here’s what some users have experienced:

Satisfied Customer Review:
“SalaryOnTime saved me during a tough spot! I needed ₹20,000 for a family emergency, and the approval came in minutes. The app is so easy to use, and I loved the repayment reminders—it kept me on track. The interest rates were reasonable, and everything was explained clearly. I’d definitely use it again!”

Unsatisfied Customer Review:
“I had a terrible experience with this app. After applying and getting approved for a ₹15,000 loan, the funds never arrived. Customer support was unhelpful and kept giving vague excuses. It felt like a waste of time, and I’m worried about the safety of my personal data. Look elsewhere if you need reliable service.”

These reviews reflect a mixed bag—while some users praise the app’s speed and transparency, others report issues with fund disbursement and support. It’s a reminder to approach with caution and review terms carefully.

Conclusion

The SalaryOnTime loan app offers a convenient solution for those seeking quick and flexible loans. With an easy application process, transparent APR calculations, and a repayment tenure of up to 365 days, it’s designed to meet diverse financial needs. However, customer experiences suggest that while it works well for many, there’s room for improvement in reliability and support.

If you’re considering a fast loan option, SalaryOnTime could be worth exploring. Download it today from the App Store or Google Play Store and see if it fits your needs. For more details or assistance, reach out to Kasar Credit and Capital Pvt Ltd at info@salaryontime.com or call +91 88000 02890.

Take control of your finances with SalaryOnTime—because sometimes, timing is everything!

23 Feb, 2025 By Loan Review
Kashti Loan App Review 2025: Is It the Best Instant Loan Option?

In 2025, the demand for instant personal loans continues to rise in India, with apps like Kashti Loan App gaining attention. Promising quick loans with minimal hassle, Kashti aims to cater to individuals needing urgent funds for personal or business purposes. But is it worth your trust? This Kashti Loan App Review 2025 dives into its features, pros, cons, and legitimacy to help you decide if it’s the right choice for your financial needs. With keywords like Kashti Loan App real or fake trending, let’s uncover the truth.

What is Kashti Loan App?

Kashti Loan App is a digital lending platform offering instant personal loans, business loans, and other financial products. It connects users with RBI-registered NBFCs, ensuring a degree of regulatory oversight. Marketed as a 100% paperless loan app, Kashti boasts fast approvals and disbursals, making it appealing for emergencies. But how does it stack up in practice? Let’s explore its offerings in this detailed Kashti Loan App review

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Key Features of Kashti Loan App in 2025

Here’s what Kashti Loan App brings to the table:

  • Loan Amount: Ranges from ₹1,000 to ₹10,00,000, catering to small and large needs.
  • Quick Disbursal: Funds credited within minutes to hours after approval.
  • Minimal Documentation: Requires basic KYC (Aadhaar, PAN, address proof).
  • Competitive Interest Rates: Starts at 13% per annum, varying by loan type and tenure.
  • Flexible Tenure: Options from 3 months to 60 months.
  • Digital Process: Fully online, no physical paperwork needed. Credit
  • Score Check: Helps users assess eligibility before applying.
Reason Why Kashti Is Best ?

These features position Kashti as a strong contender among instant loan apps in India 2025

How Does Kashti Loan App Work?

Getting started with Kashti is simple:

  • Download the App: Available on Google Play Store or App Store.
  • Register: Sign up using your mobile number and email.
  • KYC Verification: Upload Aadhaar, PAN, and a selfie for instant verification.
  • Loan Application: Choose your loan amount and tenure.
  • Approval & Disbursal: Receive funds in your bank account post-approval.

Kashti Loan App Charges: What You Need to Know

While Kashti promotes affordability, there are costs to consider:

  • Interest Rates: 13%–28% per annum, depending on your credit profile.
  • Processing Fees: 2%–4% of the loan amount, deducted upfront.
  • GST: 18% on processing fees, per Indian law.
  • Late Payment Penalty: Additional charges apply for delayed repayments

Kashti Loan App: Real or Fake?

A burning question in 2025 is, “Is Kashti Loan App legit?” Here’s the breakdown:

  • RBI Compliance: Kashti partners with RBI-registered NBFCs, lending credibility.
  • Data Security: Claims to use encryption to protect user data.
  • User Reviews: Mixed feedback—praise for quick disbursals, criticism for high fees and customer support delays.
  • Red Flags: No major scam reports, but some users complain of unexpected deductions.

Compared to notorious fake loan apps, Kashti appears safer, but caution is advised. Always verify terms before proceeding.

Pros of Kashti Loan App

  • Fast Processing: Ideal for urgent cash needs.
  • User-Friendly Interface: Easy navigation for all users.
  • No Collateral: Unsecured loans with no asset pledging.
  • Wide Loan Range: Suits diverse financial requirements.
  • Regulatory Backing: Ties with NBFCs add trust.

Cons of Kashti Loan App

  • High Charges: Processing fees and interest can pile up.
  • Short Tenure Pressure: Short-term loans may strain repayment.
  • Customer Support: Some users report slow responses. Limited
  • Transparency: Full terms not always clear upfront.
KNOW ABOUT: 10 Best Personal Loan in India

Eligibility Criteria for Kashti Loan App

To qualify in 2025,

  • you need: Indian citizenship
  • Age: 21+
  • Steady monthly income (minimum ₹15,000)
  • Valid KYC documents

Kashti Loan App User Reviews 2025User feedback offers real insights:

  • Positive: “Got ₹20,000 in 10 minutes—lifesaver for medical bills!”
  • Negative: “Hidden fees ate into my loan amount—disappointing.”
  • Neutral: “Fast, but customer care needs improvement.”

Conclusion: Should You Use Kashti Loan App in 2025?

This Kashti Loan App Review 2025 reveals a platform with strong potential—fast, digital, and accessible. Its NBFC partnerships and paperless process are big wins, but high charges and mixed reviews suggest it’s not flawless. If you need an instant personal loan and can handle the fees, Kashti is worth a shot. However, for lower costs or better support, explore alternatives.

Have you tried Kashti Loan App? Share your experience below!

101% Approval Loan Apply Without Income Proof
28 Aug, 2024 By ravita pal
Small Business Loan : TRADOFINA Loan App Review 2024

TRADOFINA provides instant credit and small business loans from RBI – registered NBFC. TRADOFINA offers an instant credit loan of 5000 to 60,000 and APR ranges from 14% to 28% for a tenure of 3 months to 24 months

EXAMPLE : small business owners/ self employed can avail instant credit loan of 10,000 the total processing fees is 8%. The interest rate is 18% p.a for a tenure of 3 months amount payable is 10,450 and APR of the loan will be 27.54%.

Small Business Loan TRADOFINA Loan App Review 2024
small Business Loan TRADOFINA Loan App

Introduction

TRADOFINA delivers the fastest personal loan experience with 100% paperless digital KYC process the app analyzes your financial SMS transaction to monitor the income track and analyse financial expenses also to accurately assess your credit worthiness protect your from potential fraud and provide you with convenient and secure access to credit in just 5 minutes.

TRADOFINA Instant Credit Loan App Products

Quick Cash – Instant Credit Loan

TRADOFINA offers an instant personal loan to salaried customers and self employed store owners the amount of loan ranges from 5000 to 60,000 only with PAN, Aadhar Card for a tenure of 24 months

Collateral Free Small Business Loan

TRADOFINA offers business capital loan up to 1,00,000 to small business and store owners to meet to run their day to day business activities

Loans To Different Type Of Priority Sectors

TRADOFINA also offers Loans up to 60,000 to priority sectors, based on RBI definitions a priority sector loan is provided to women artisans small vendors village and cottage industries etc.

Top Catagory & Business who have benefited and availed instant credit loan from TRADOFINA

  • Instant credit for kirana shop, general store, grocery store, medical store
  • Instant loan for mobile recharge and electronic shops
  • Quick cash for bakery, snacks and juice shops
  • Instant cash for street vendors, fruits and vegetables shops

Examples of EMI Fees Interest Rate For Instant Credit Products Offered By TRADOFINA App

  • Loan Amount : 30,000
  • Tenure : 12 months
  • Interest rate : 18% per annum
  • processing fee (incl. GST) : 750 (2.5%)
  • Total interest : 3,005
  • EMI : 2,750
  • APR : 22.91%
  • Loan amount is 30,000 disbursed amount is 29,250
  • Total loan repayment amount is 33,000
  • Total cost of the loan = interest amount + processing fees = 3005 + 750 = 3755

Eligibility criteria

  • minimum age – 21 years
  • minimum income 12,000 for salaried & 15000 for small business/vendors

Documentation

TRADOFINA app is a 100% digital loan app therefore we don’t require any physical documents all you have to do is enter your Pan card number upload a digital photocopy of your Aadhar card and click a selfie to avail your instant credit and business loan

Why TRADOFINA To Avail Instant Credit And Small Business Loan

  • Instant verification and speedy credit disbursement
  • Fair & low rate of interest and processing fees
  • Easy and Convenient repayment options (UPI, debit card, Net banking, Bank Transfer, etc)
  • Online personal loan approval in just 5 minutes
  • No collateral & credit card required
  • 100% secure VIA 256 – bit SSL encryption
  • RBI registered NBFC with 100% digital approval The NBFC Is Arnold holdings Ltd

CONTACTS US :

customer care number : 022-48913684

EMAIL : care@TRADOFINA.com

Address : B 208, ramji house, 30 JAMBULWADI JSS road , Mumbai, Maharashtra 400002

26 Aug, 2024 By ravita pal
LiquiLoans Personal Loan App Review 2024

Liqui loans is a peer to peer lending platform founded by anchal mittal and Gautam Adukia who have previously co-founded a successful rental platform ‘Rentomojo’ the company uses technology to match borrowers and lenders and in the process eliminates the margin which is charged by traditional Banks and NBFCs thus, making borrowing cheaper and investing a more lucrative opportunity as compared to traditional investment avenues.

LiquiLoans personal loan app review 2024
LiquiLoans personal loan app

The company is funded by matrix partners which have invested in some of the marquee companies like Olacabs, procto, Quikr and cloud

Personal Loans Starting From 11% Interest Rate

  • Low interest rate
  • Flexible tenure
  • Personal loan
  • Mobile number
  • Loan amount
  • Purposes of your loan

LiquiLoans loan type

  • Free credit score
  • Deposit Financing
  • Wedding loan
  • Vacation loan
  • Credit card payment
  • Debt consolidation
  • Vehicle loan
  • Education loan
  • Invest in loans

We have fast & easy Application process

  • Register
  • Quick verification
  • Recieve funds

LiquiLoans is the right choice for you if :

  • You are 18 or older
  • You have a valid address
  • You have a bank account
  • You have a regular income

Trending Products

  • Deposit Financing
  • Quick personal loan
  • Free credit report
  • Invest in loans
26 Aug, 2024 By ravita pal
Quid : Personal Loan App Review 2024

Quid is a lending and financial services platform (Loan aggregator) where you can apply for a personal loan with RBI registered banks and NBFCS in a few minutes get an instant personal loan with 100% digital experience a high approval rate Quick sanction and hidden charges quid makes it easy for salaried students self employed and business owners to access instant credit with a seamless loan application process

Quid Personal Loan App Review 2024
Quid personal loan app

What Makes Quid Better Than Others ?

  • Best loan offers : find the best instant loan offers through our lending partners
  • Personal loan matchmaker : find the best lending partners
  • Trusted platform : Quid works with RBI approved banks and NBFCS only
  • Credit card : apply for credit card with exclusive offers and benefits
  • user friendly : Explore loan offers easily through a user friendly interface
  • 100% Digital : digital process with minimal documentation
  • Loan tenure : 3 – 60 months tenure
  • Quick approval : get approvals in minutes’ note months
  • Low interest rates : Get the best instant rates
  • Easy EMI : flexible and convenient EMI option

More Reason To Quid

  • collateral – free
  • safe and secure
  • Quick sanction
  • Best interest rates
  • Flexible tenure
  • High loan approval rate

Repayment time linse APR and transparent processing fees & GST :

  • Interest rates start from 1% to 3% per month corresponding to a maximum APR of 12% to 36%
  • The repayment tenure ranges from 3 – 60 months
  • processing fees will be charged separately as applicable by the lending partner

Eligibility Criteria

  • The minimum age for application is 18 – 55 years
  • You must receive income in your bank account
  • personal loan for salaried student and self employed

Based on our integrated lenders for example :

  • Loan amount = 1,50,000
  • Interest rate = 13% minimum
  • Repayment tenure = 1 year
  • processing fees of 2% = 3000 + GST = 3,540
  • Loan EMI = 13,398
  • The total interest = 10,771
  • Loan repayment amount ofter 1 year = 1,60,771
  • The maximum annual percentage Rate can go up to 36%

Our trusted RBI approved registered NBFC parteners :

  • Bhanix finance and investment limited https : bhanixfinance.com/our parteners.html – (CIN NO. U65910MH1996PLC300645)
  • mPockket financial services private limited (CIN no. U65999WB2019PTC233120)

Contact us

for any queries reach us at support@quid.money

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