Apollo Finvest App Reviews, Customer Care Number & Details

Apollo Finvest's own NBFC loan app: ₹1,000 to ₹50,000 for 3 to 9 months, APR up to 200%

This Apollo Finvest app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Apollo Finvest customer care number and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 30 October 2026

Apollo Cash is the Android loan app of Apollo Finvest (India) Limited, a Mumbai NBFC that says it has been around since 1985, and Apollo Finvest lends the money itself. It's on RBI's list of registered NBFCs, so you're dealing with a regulated lender, but cost is the thing to watch: the Play listing allows an APR of up to 200% and a processing fee of up to 21% plus GST, taken before the money reaches you. As of October 2026, loans run from ₹1,000 to ₹50,000 over 3 to 9 months. Apollo also lends through partner apps, and its partner page names Nira and Airpay Capital as service providers and Fatakpay and WeRize as co-lending partners. This review covers Apollo Cash only: its cost, its data permissions and what borrowers say.

Quick Facts

4.0★ · 3.5K

Play Store

₹50,000

Max Loan

Not published

Interest Rate

Company says under 2 minutes for most borrowers, by IMPS after AutoPay and eSign (not independently verified)

Disbursal

3 months to 9 months

Tenure

Up to 21% + GST

Processing Fee

Play Store rating sourced from Google Play, as of 30 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.5/5

Apollo says most borrowers get money in under 2 minutes and many reviews praise the speed, though some applications sit in processing for days.

Interest & cost 1.5/5

An APR range of 15% to 200% plus a fee of up to 21% and GST, taken upfront, puts Apollo Cash at the costly end of small loans.

App experience 2.5/5

KYC with PAN, Aadhaar and a selfie is simple, but reviewers report login errors, payments not showing and repeat loans refused.

Customer support 2.0/5

There's in-app chat, one phone number and a named grievance officer, yet many reviewers say their calls go unanswered while reminder calls start days early.

Safety & transparency 3.0/5

The lender is an RBI-registered NBFC lending in its own name, but contact sharing in Data safety and a run of hollow five-star reviews pull the score down.

Loan Details & Charges

Loan Amount ₹1,000 to ₹50,000

Interest Rate Not published

Tenure 3 months to 9 months

Processing Fee Up to 21% + GST

Late Payment Late fee and penal charges 'as notified from time to time'; amount not published (shown in the KFS / loan agreement)

Foreclosure Prepayment and foreclosure allowed in the app; charges as stated in the KFS, amount not published (reviewers report small extra charges for paying early)

Bounce Charges Not published; the Fair Practice Code says the bounce penalty is stated in the sanction letter

Eligibility Criteria

Age 21-58 years

Employment Salaried, self-employed, small business owners

Documents PAN, Aadhaar via DigiLocker eKYC (Aadhaar-linked mobile), selfie for face match, bank account in your name with AutoPay; bank statements may be fetched through an Account Aggregator

What It Actually Costs

Loan amount ₹40,000

Tenure 9 months

Monthly EMI ₹5,137

Total interest ₹6,236

Processing fee ₹9,912 (21% = ₹8,400 + 18% GST ₹1,512), deducted upfront

Total repayment ₹46,236

Built on Apollo's own Play example, whose 9 EMIs of ₹5,137 work out to 36% a year, with the listing's maximum 21% fee: you'd receive about ₹30,088, roughly 115% APR by our maths. The example's own 63.83% APR implies about ₹36,000 reaching you, so the figure in your KFS decides the real cost.

Try the Apollo Finvest EMI calculator

Pros

The lender is Apollo Finvest itself, an NBFC on RBI's register, not an unnamed partner
KYC needs only PAN, Aadhaar through DigiLocker and a selfie
Small loans from ₹1,000, and every tenure is at least 3 months
The Play listing gives a full worked example with APR, EMI and total repayment
A published grievance ladder with a named officer and an RBI escalation route

Cons

APR can reach 200% and the processing fee up to 21% plus GST, deducted upfront
No interest rate is published for the app, only the APR and a broad policy band
Its own pages disagree on tenure, age limit and the Google Play rating
Many borrowers say they were refused a repeat loan after repaying on time
Heavy reminder calls days before the due date are a common complaint

Our Verdict

Apollo Cash clears the first hurdle that many small loan apps trip on. The lender is named, and it's Apollo Finvest itself. The company sits on RBI's register of NBFCs as on 30 September 2026. It publishes a grievance ladder, a recovery code and a fair practice code, and the Play listing carries a worked example: ₹40,000 over 9 months at 63.83% APR, repaid in 9 EMIs of ₹5,137. The weak spots are cost and data. An APR ceiling of 200% and a fee of up to 21% plus GST make this an expensive way to borrow, and recent reviewers describe big cuts from small loans. The Play Data safety section says the app may share contacts with third parties, and the privacy policy describes regular reading of SMS and installed apps. That sits badly with Apollo's own policy, which says lending apps shouldn't touch contact lists. Its website and the Play listing also disagree on tenure, age limit and even the app's rating. Use it only for a small, short need you can repay on time, after reading the Key Fact Statement and checking how much will actually land in your account. If a bank or a larger NBFC will lend to you, compare that offer first.

Who Apollo Finvest suits

You need a small sum, between ₹1,000 and ₹50,000, and can repay it within 3 to 9 months.

You'd rather borrow straight from an RBI-registered NBFC than through a loan marketplace.

You're self-employed or run a small business and don't have salary slips to upload.

You'll read the Key Fact Statement and check the amount you actually receive before you accept.

Look elsewhere if

You can get a loan from a bank or a larger NBFC, which is likely to cost less.

You don't want an app reading your SMS messages and list of installed apps.

You need more than ₹50,000 or longer than 9 months to repay.

Not sure the app is genuine? Is Apollo Finvest real or fake? How to check it yourself

Things to Watch

Play's Data safety section says the app may share contacts with third parties, while Apollo's own recovery policy says lending apps must not access contact lists.
The privacy policy says the app regularly collects SMS messages and the list of installed apps, and sends SMS data to third parties.
A run of one-word five-star reviews in mid-September 2026 props up the Play rating, and the website claims 4.4 stars when the listing shows 4.0.
Borrowers describe large upfront deductions on small loans, such as ₹886 cut from ₹5,000 and ₹6,300 cut from ₹15,000.
We couldn't check the app's entry in RBI's Digital Lending Apps directory because the directory wouldn't load for us, so look it up yourself before applying.

How to Apply for Apollo Finvest

1

Install the right app

Search Google Play for Apollo Cash and check that the developer is Apollo Finvest (India) Limited and the package is com.ApolloApp. Apollo's website links to the same listing.
2

Think before granting permissions

The app asks for permissions to build your offer, and its privacy policy says it reads SMS and installed apps on an ongoing basis. Grant only what you're comfortable with.
3

Complete KYC

Verify your PAN and Aadhaar through DigiLocker and take a selfie for the face match. You need a mobile number linked to Aadhaar.
4

Read the offer and the KFS

Check the amount, tenure, EMI, APR, processing fee and, most of all, the sum that will reach your bank after the fee. Walk away if it doesn't make sense.
5

Set up AutoPay and eSign

Link a bank account in your own name for AutoPay, eSign the agreement and the money is sent by IMPS. Save a copy of the KFS and agreement.

Documents Required

PAN card, verified in the app

Aadhaar through DigiLocker eKYC, with an Aadhaar-linked mobile number

A selfie for the face match

A bank account in your own name for AutoPay

Bank statements through an Account Aggregator, if the app asks

What Real Users Say

Treat the 4.0 with caution. In mid-September 2026 the newest-first feed fills with one-word five-star reviews such as 'Qualified', 'Certified' and 'Passionate', which look inorganic. Apollo's website also claims 4.4 stars on Google Play, higher than the listing shows.

As of 30 October 2026 the Play listing shows 4.0 stars from 3.52K reviews and 5L+ downloads, but the review feed mixes detailed complaints with long runs of one- or two-word praise.

What users love

Happy borrowers mostly talk about speed: money arriving within minutes, a short KYC with PAN and Aadhaar, and a clean app. A few older reviews say Apollo didn't pester them with calls the way other apps did.

Common complaints

The critical reviews are specific. Borrowers say they were marked 'not eligible' for a new loan after repaying early or on time, that fees ate a big share of small loans, and that reminder calls started days before the due date. Others report payments not showing, applications stuck in processing, small charges for paying early and talk of FIRs or legal notices. The developer's replies are a templated request to email or call.

How Apollo Finvest Compares

vs mPokket — mPokket also serves very small first loans through an RBI-registered NBFC, so compare both Key Fact Statements line by line before choosing.

vs KreditBee — KreditBee lends from small sums up to far larger amounts, so it suits you better if you may later need more than Apollo Cash's ₹50,000 ceiling.

vs True Balance — True Balance targets a similar small-ticket borrower through a regulated lender; weigh its APR and fee against Apollo's before you sign.

How we tested

On 30 October 2026 we read the Apollo Cash Play listing, its Data safety page and dated Play reviews going back to August 2026. We read Apollo Finvest's website, partner page, terms, privacy policy, consent declaration and its grievance, interest rate, recovery and fair practice policies. We checked RBI's NBFC register as on 30 September 2026 through an Internet Archive copy, because RBI's document server didn't respond. We couldn't open RBI's Digital Lending Apps directory or its cancelled-registration list, didn't take a loan and haven't seen a live KFS.

Apollo Finvest Customer Support Details

Apollo Finvest is an RBI-registered NBFC that lends through its own Apollo Cash app, so the lender is the company you deal with. No support hours are published, and support is also reachable inside the app. If the first reply does not help, write to Grievance Redressal Officer Ms. Pooja Gohel at compliance@apollofinvest.com. The contact page lists grievanceredressal@apollofinvest.com for her, so copy both. All complaints should close within 30 days. Apollo publishes no WhatsApp number, so do not trust one that claims to be Apollo.

Apollo Finvest customer care number	+91 77009 86861
Apollo Finvest WhatsApp number	NA
Apollo Finvest customer support email ID	grievanceredressal@apollofinvest.com
Registered lending entity	Apollo Finvest (India) Limited (RBI-registered NBFC), which runs the Apollo Cash app itself
Apollo Finvest grievance officer email	compliance@apollofinvest.com

Verified from Apollo Finvest's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full Apollo Finvest customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Apollo Cash safe and RBI registered?

Apollo Cash is run by Apollo Finvest (India) Limited, which lends in its own name. The company appears on RBI's list of registered NBFCs as on 30 September 2026, under the Mumbai regional office, and gives its RBI registration number as N-13.00722. So it's a regulated lender. Be careful with permissions, though: the Play listing says the app may share contacts with third parties, and the privacy policy describes regular SMS reading.

What does an Apollo Cash loan really cost?

As of October 2026 the Play listing gives an APR of 15% to 200%, covering interest and fees, and a processing fee of up to 21% plus GST. Apollo's own example is ₹40,000 for 9 months at 63.83% APR, repaid in 9 EMIs of ₹5,137, or ₹46,236 in total. The fee is collected upfront, so check in the KFS how much will actually reach your bank.

How much can I borrow from Apollo Cash and for how long?

The Play listing offers ₹1,000 to ₹50,000, repaid in monthly EMIs over 3 to 9 months. Apollo's website still says 3 or 6 months, so go by the tenure on your offer screen. Several reviewers say their first offer was small. Apollo says your limit grows as you repay on time, but it doesn't publish how much or how fast, so don't count on a bigger loan next time.

Who can get an Apollo Cash loan and what documents do I need?

You need to be an Indian resident with an Aadhaar-linked mobile number. The website gives an age range of 21 to 58, while the Play listing says 21 to 60. Salaried people, the self-employed and small business owners can apply. KYC needs your PAN, Aadhaar through DigiLocker and a selfie, plus a bank account in your name for AutoPay. Apollo publishes no minimum income or credit score cut-off.

How do I contact Apollo Cash customer care or file a complaint?

Start with the in-app chat, email grievanceredressal@apollofinvest.com or call 7700986861, the number Apollo gives on Google Play and in its grievance flowchart. If that doesn't work, write to the grievance redressal officer, Ms Pooja Gohel, at compliance@apollofinvest.com. If your complaint isn't settled within 30 days, take it to RBI's Complaint Management System.

Why does Apollo Cash say I'm not eligible after I repaid my loan?

It's one of the most frequent complaints in recent Play reviews: people repay on time or early, then see a 'not eligible' or rejection screen. Apollo says limits grow with on-time repayment but doesn't publish its rules for repeat loans, so a new loan is never assured. Ask through the in-app chat for the reason in writing, and remember that closing early may carry a charge listed in your KFS.

How do I stop harassment calls from Apollo Finvest recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (compliance@apollofinvest.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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82	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
83	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
84	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
85	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
86	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
87	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
88	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
89	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
90	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
91	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
92	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review