Buddy Loan App Reviews, Customer Care Number & Details

Loan marketplace app by BValue Services; partner banks and NBFCs do the lending

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

FINTECHRBI RegulatedSelf-Employed OK
Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

Buddy Loan is a loan marketplace app run by BValue Services Private Limited of Bengaluru. It doesn't lend money itself: it passes your application to partner banks and NBFCs, and lenders such as InCred Financial Services, mPokket Financial Services and Poonawalla Fincorp name it as a partner on their own websites. The one thing to know is the fee. Buddy Loan's own replies on Google Play say a ₹199 fee is charged for a "value-added service" and processing, and that paying it doesn't guarantee a loan. We read Buddy Loan's website, terms and privacy policy, its Play and App Store listings, BValue's latest annual return and its lenders' partner pages, then checked those lenders in RBI's NBFC list. Here's what we found, as of November 2026.

Quick Facts

4.5★ · 60.7L

Play Store

₹35L

Max Loan

11.99% to 57% a year

Interest Rate

Buddy Loan claims approval in as little as 3 minutes and sanction within 48 hours; the lender disburses. Recent reviewers report applications left pending and e-sign stuck for days.

Disbursal

6 months to 60 months

Tenure

0.5% to 4% + GST

Processing Fee

₹15,000 per month

Min Income

Play Store rating sourced from Google Play, as of 4 Nov 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 2.5/5

Buddy Loan claims approval in minutes, but the lender pays out, and recent reviewers describe pending applications and e-sign steps stuck for days.

Interest & cost 2.0/5

Partner interest rates on its own page run from 9.99% to 57%, and a ₹199 service fee can come before you see any offer.

App experience 2.0/5

The app rates 4.5 overall, yet most of the newest reviews we read were one-star complaints about rejections after paying a fee.

Customer support 2.0/5

The website says help is mainly by email and a phone number shows up only on the app listings, though a grievance officer is named.

Safety & transparency 2.5/5

Large regulated lenders confirm the tie-up, but the upfront fee, a mixed partner list and marketing consent that overrides DND hold it back.

Loan Details & Charges

Loan Amount ₹10,000 to ₹35,00,000
Interest Rate 11.99% to 57% a year
Tenure 6 months to 60 months
Processing Fee 0.5% to 4% + GST
Late Payment Not published by Buddy Loan; set by the lender in its KFS and loan agreement.
Foreclosure Website says no prepayment penalties, but Buddy Loan's own Play reply says foreclosure charges vary by lender and loan agreement; check the lender's KFS.
Bounce Charges Not published by Buddy Loan; set by the lender.

Eligibility Criteria

Age 21-60 years
Min Income ₹15,000 per month
CIBIL Score 650+
Employment salaried, self-employed; business loans need 2+ years business vintage (per lender)
Documents PAN, Aadhaar, income proof (salary slips or bank statements), address proof, selfie for KYC; more as each lender asks

What It Actually Costs

Loan amount ₹1,00,000
Tenure 12 months
Monthly EMI ₹8,932
Total interest ₹7,181
Processing fee ₹2,000 + 18% GST = ₹2,360, deducted upfront
Total repayment ₹1,07,181

This is Buddy Loan's own Play example. It also deducts a ₹499 + GST line setup fee (₹588), so about ₹97,052 reaches you, and the separate ₹199 service fee, where charged, comes on top.

Try the Buddy Loan EMI calculator

Pros

  • Run by BValue Services, a Bengaluru company that publishes its annual return and names its directors
  • InCred, mPokket, Poonawalla Fincorp and Respo name Buddy Loan or BValue as a partner on their own sites
  • One application can reach many lenders, from large banks and NBFCs to smaller app-based lenders
  • Personal loan offers from ₹10,000 to ₹35 lakh with tenures of 6 months to 5 years, as listed
  • A named grievance officer, Piyush Kumar, with a published email address and phone number

Cons

  • Buddy Loan doesn't lend, so the rate, fees and recovery rules depend on whichever lender you pick
  • Its Play replies confirm a ₹199 service fee, while its website claims there are no hidden charges
  • One partner on its own page lists 32% to 57% interest, above the 36% APR cap quoted on Play
  • Loan limits, eligibility and lender counts differ across its website, Play and App Store pages
  • Signing up allows promotional SMS and lets it pass your details to banks, even if you're on DND

Our Verdict

Buddy Loan is a real business, not a fake app. BValue Services was incorporated in 2019, publishes its annual return, and several RBI-registered lenders, including InCred, mPokket, Poonawalla Fincorp, Respo Financial Capital and Protium Finance, list it as a sourcing partner. Because Buddy Loan only matches you with a lender, that lender sets the rate, the fees and the repayment rules, and it's the lender you repay. The weak spots are cost clarity and conduct. The website promises no hidden charges, yet Buddy Loan's Play replies confirm a ₹199 service fee, and many users say they paid and were then rejected. RBI's digital lending rules say a lender pays its loan service provider and the borrower shouldn't be charged separately. Prices also run wide. Play quotes a maximum APR of 36%, while Buddy Loan's own personal loan page lists one partner at an interest rate of 32% to 57%. Its partner list mixes big banks with small apps, and its own disclaimer says a logo doesn't mean a partnership. Use Buddy Loan only to compare offers. Don't pay anything before you see a named lender's Key Fact Statement, and if you already know which lender you want, apply with it directly.

Who Buddy Loan suits

Borrowers who want to compare several lenders' offers from one application
People with a credit score of 650 or more and steady income, who are likelier to get a bank or large-NBFC offer
Readers who check the lender's name and KFS before signing and refuse any upfront fee

Look elsewhere if

You already know the bank or NBFC you want, so applying directly skips the middleman
You can't afford to lose ₹199 on an application that may still be rejected
You don't want promotional calls and SMS from Buddy Loan and partner banks after you sign up

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

Things to Watch

  • Buddy Loan's Play replies confirm a ₹199 fee before approval; RBI's rules say lenders pay their loan service providers, not borrowers
  • Users report paying ₹99 to ₹201 and then being rejected, with no refund
  • Its disclaimer says a lender's logo doesn't imply a partnership, yet the same page calls them verified lenders
  • HDFC Bank's own LSP list, which Buddy Loan links to, doesn't name BValue Services or Buddy Loan
  • Play's Data safety form lists SMS, installed apps and even sexual orientation among the data collected

How to Apply for Buddy Loan

  1. 1

    Install the real app

    Get Buddy Loan from Google Play (developer Bvalue Services PVT LTD) or the App Store, never from a link in a message, and sign up with your mobile number.

  2. 2

    Add your details

    Enter your personal details, your PAN so the app can pull your credit report, and your job and income details.

  3. 3

    Read the lender's name

    Look at each offer and note which bank or NBFC makes it. Ask for its Key Fact Statement before going further.

  4. 4

    Stop before any fee

    If the app asks for a service fee before showing a named lender's offer, don't pay until you know what it covers and whether it comes back.

  5. 5

    Finish with the lender

    Documents, KYC, approval and payout happen on the lender's own platform. Read the KFS and the APR before you e-sign.

Documents Required

PAN card
Aadhaar for KYC
Income proof such as salary slips or bank statements
Address proof
A selfie for KYC if the lender asks

What Real Users Say

Read on Google Play on 4 November 2026, covering the 320 newest reviews from 3 July to 3 November 2026. Most five-star posts were four words or fewer, and some developer replies asked users to raise their rating to five stars. The App Store shows 4.8 from 169k ratings.

Google Play shows 4.5 stars from about 60.7 lakh reviews and 1 crore plus downloads, but the newest written reviews are mostly one-star.

What users love

Happy users mention quick approval and money arriving fast, and one thanks Kissht for a paperless loan, though most five-star posts are only a word or two.

Common complaints

Paying a fee and then being rejected, no loan after sharing documents, spam calls and SMS, very high partner interest, e-sign stuck for days, and a partner repayment debited twice.

How Buddy Loan Compares

vs Poonawalla Fincorp — Poonawalla Fincorp confirms Buddy Loan as a partner, so applying with it directly cuts out the platform and any platform fee.

vs Tata Capital — Tata Capital is on Buddy Loan's lender list; going to it directly lets you read its own rates and KFS with no platform in between.

vs Moneyview — Moneyview also appears on Buddy Loan's list and runs its own loan app, a useful second quote before you accept a marketplace offer.

How we tested

Checked in November 2026. On 4 November 2026 we read Buddy Loan's website, terms, privacy and grievance pages, its Google Play listing with the Data safety page and the 320 newest reviews, its App Store listing and BValue's latest published annual return. We matched named lenders against RBI's NBFC list as on 30 September 2026 and read those lenders' own partner pages. RBI's Digital Lending Apps directory didn't load, and we didn't pay the fee or take a loan.

Buddy Loan (BValue Services) Customer Support Details

Buddy Loan's support runs mainly by email: write to info@buddyloan.com with your registered mobile number and a short note on the problem. A phone line, 080-47097512, appears only on its app listings, not on the website. Loan, EMI and recovery questions go to the lender that funded you. If email gets nowhere, escalate to grievance officer Piyush Kumar at nodal.officer@buddyloan.com or +91-9632016942.

Buddy Loan (BValue Services) customer care number 080-47097512
Buddy Loan (BValue Services) WhatsApp number NA
Buddy Loan (BValue Services) customer support email ID info@buddyloan.com
Registered lending entity InCred Financial Services, mPokket Financial Services, Poonawalla Fincorp, Respo Financial Capital and Protium Finance, among others (RBI-registered NBFCs that name Buddy Loan); BValue Services Private Limited runs Buddy Loan as a loan platform and does not lend
Buddy Loan (BValue Services) grievance officer email nodal.officer@buddyloan.com

Verified from Buddy Loan (BValue Services)'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 Buddy Loan customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Buddy Loan safe and RBI registered?
Buddy Loan isn't a lender, so it has no NBFC licence of its own. BValue Services Private Limited runs the app as a loan service provider, and lenders on RBI's NBFC list, such as InCred Financial Services, mPokket Financial Services and Poonawalla Fincorp, name it as a partner. How safe your loan is depends on the lender you end up with, so check that name on the Key Fact Statement before you sign.
Does Buddy Loan charge a fee before giving a loan?
Yes, it can. Buddy Loan's own Google Play replies say a ₹199 fee is charged for a value-added service and processing, and that paying it doesn't guarantee approval. Users report paying ₹99 to ₹201 and then being rejected. The website doesn't mention this fee and claims no hidden charges, so ask what any fee covers before you pay it.
What does a loan through Buddy Loan really cost?
The lender sets the price. Buddy Loan's personal loan page quotes interest from 9.99% a year and processing fees of 0.5% to 4%, plus GST, and Play gives a maximum APR of 36%. Yet the same page lists one partner at an interest rate of 32% to 57%. In Play's own example, ₹1,00,000 at 13% for 12 months has an EMI of ₹8,932.
How much can I borrow, and who is eligible?
Play lists personal loans of ₹10,000 to ₹35 lakh over 6 months to 5 years. You need to be 21 to 60, an Indian resident, earning at least ₹15,000 a month if salaried, with a CIBIL score of 650 or more, subject to the lender. Expect to share PAN, Aadhaar and income proof such as salary slips or bank statements.
How do I contact Buddy Loan customer care or complain?
Email info@buddyloan.com with your registered number; the website says help is mainly by email, though the app listings show 080-47097512. For EMI, repayment or recovery issues, contact the lender. If Buddy Loan doesn't fix a platform problem, write to grievance officer Piyush Kumar at nodal.officer@buddyloan.com or +91-9632016942. After 30 days, take a loan complaint to the RBI Ombudsman.
Why does Buddy Loan send me to other loan apps?
Because it's a marketplace. Buddy Loan passes your details to partner lenders and apps, and some partners, such as Kissht and Ram Fincorp, are platforms themselves that work with NBFCs. Each hop means another company holds your data. Check every app's lender on that lender's own website before you share more documents or pay anything.
How do I file a complaint against Buddy Loan?
Work the escalation ladder in order. First, raise the complaint with Buddy Loan support (info@buddyloan.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at nodal.officer@buddyloan.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.
How do I stop harassment calls from Buddy Loan 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 (nodal.officer@buddyloan.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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All Loan App Reviews

See how Buddy Loan stacks up against every other instant loan app we've reviewed — compare ratings, max loan and rates side by side.

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Capital Now

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 4.6 ₹15L 13% to 36% a year Read Review
12

RupeeRedee

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 4.6 ₹2.5L 28% to 58% a year Read Review
13

CredMe

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 4.6 ₹5L 12% to 66% a year Read Review
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Orrish

Orrish Finance Private Limited

 4.6 ₹7L 12% – 30% p.a. on personal loans (Play); up to 1% per day on loans of up to 90 days Read Review
16

FlexiLoans Business Loan

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17

KreditBee

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MoneyView

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Home Credit

Home Credit India Finance Pvt. Ltd. (NBFC; subsidiary of TVS Holdings Ltd.)

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20

Fibe

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21

Piramal Finance

Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)

 4.5 ₹25L 12.99% – 24.00% p.a. Read Review
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True Balance

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 4.5 ₹2L 28.80% – 36.00% p.a. Read Review
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Buddy Loan

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TezCredit

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CashVia

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mPokket

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30

LazyPay

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Kissht

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Freo

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Nira

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Tata Capital

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RapidRupee

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PayMe

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CreditSea

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CASHe

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FlexSalary

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OLYV

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Mahindra Finance (Mahindra & Mahindra Financial Services)

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Jupiter

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 4.3 ₹5L 15% to 30% a year Read Review
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IndiaLends

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Rupee112

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Chinmay Finlease

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Bright Loans

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51

BharatLoan

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My Money Bazaar

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 4.3 ₹5L 0.077% – 0.10% a day in Play examples (28.1% – 36.5% a year); APR up to 115.03% Read Review
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CashPey

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 4.3 ₹5L 18% – 36% p.a. (Play listing); APR up to 50% Read Review
54

RING Power Loan

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 4.3 ₹5L 32% – 57% p.a. Read Review
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Stashfin

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PayRupik

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Credfin

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Oro Money

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Kubiz Capital

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Direct Credit

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Hero FinCorp

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Lenditt

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TrustPaisa

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ATM Cred

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Pocketly

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 4 ₹50L 9.99% – 24.00% p.a. Read Review
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ICICI Bank Personal Loan

ICICI Bank Limited (scheduled private sector bank)

 4 ₹50L 9.99% – 16.50% p.a. Read Review
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Axis Bank Instant Loan

Axis Bank Limited (scheduled private-sector bank; lends directly)

 4 ₹50L 9.99% – 22.00% p.a. Read Review
69

RuleMudra

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 4 ₹1L Up to 365% a year Read Review
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MoneyWide

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 4 ₹3L 16% to 36% a year Read Review
71

KarmaLife

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 4 ₹0 17.95% to 36% a year Read Review
72

Godrej Priority Money

Godrej Finance Limited

 4 ₹60L 10.99% to 18% a year Read Review
73

Fi Money

Stock Guardians (India) Private Limited (Fi Loans), plus Federal Bank, IDFC FIRST Bank, Aditya Birla Capital, Earlysalary Services (Fibe), Incred Financial Services and the P2P platforms NDX P2P (LiquiLoans) and Innofin (LenDenClub)

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Chola One (Cholamandalam)

Cholamandalam Investment and Finance Company Limited (lends directly; owns the app)

 4 ₹3L 14% to 36% a year Read Review
75

The Zenith Loan

Zenith Machinery Private Limited

 4 ₹1L 264% to 456% a year Read Review
76

Snap Paisa

Ampire Finance Private Limited

 4 ₹1L 15% to 35% a year Read Review
77

SalariedLoan

Gopi Securities Private Limited

 4 ₹5L 35% a year Read Review
78

Sabka Loan

Mahashakti Financiers Limited

 4 ₹1L Up to 36% a year Read Review
79

RupeeGo

Salora Capital Limited

 4 ₹5L Up to 36% a year Read Review
80

Paisa Daily

Ready Leasings Private Limited

 4 ₹50,000 365% a year Read Review
81

PaisaBoxx

Sawalsha Leasing & Finance Private Limited

 4 ₹1L Not published Read Review
82

Ola Loan

InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services

 4 ₹10L Not published Read Review
83

Money Finserve

Gopi Securities Private Limited

 4 ₹5L 35% a year Read Review
84

KredTap

Salora Capital Limited (the website also names Capital Trade Links Limited)

 4 ₹1L 12% to 32.5% a year Read Review
85

Kredito24

North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)

 4 ₹40,000 0% to 73% a year Read Review
86

Fundo Baba

U.Y. Fincorp Limited

 4 ₹1L 182.5% to 365% a year Read Review
87

CashToYou

Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited

 4 ₹40,000 0% to 73% a year Read Review
88

Apollo Finvest

Apollo Finvest (India) Limited

 4 ₹50,000 Not published Read Review
89

Dhan Pocket

Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)

 4 ₹1L 0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35% Read Review
90

DhanCash

Ind Global Securities Limited

 4 ₹1L 0.4% – 1.1% per day (146% – 401.5% a year) Read Review
91

Aditya Birla Personal Loan

Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)

 4 ₹50L 10% – 28% p.a. Read Review
92

DigiCredit

Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner

 4 ₹75,000 Up to 36% p.a. (stated cap; floor not disclosed) Read Review
93

FatakPay

FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)

 4 ₹5L 18% – 40% p.a. Read Review
94

InstaMoney

Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).

 4 ₹1L 24% – 48% p.a. Read Review
95

Ram Fincorp

R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only

 4 ₹2L 15% – 35% p.a. (listed) Read Review
96

RapidMoney

RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP

 4 ₹15,000 36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee Read Review
97

Unity SFB Personal Loan

Unity Small Finance Bank Limited (bank, lends on own book)

 4 ₹5L 16% – 30% p.a. Read Review
98

Zype

Respo Financial Capital Private Limited

 4 ₹5L 18% – 34% p.a. Read Review
99

True Fund

 4 ₹0 Not disclosed Read Review
100

Tap4Credit

 4 ₹0 Not disclosed Read Review
101

Poonawalla Fincorp

 4 ₹5L 16% p.a. onwards (no published cap) Read Review
102

PayTrust

 4 ₹0 Not disclosed Read Review
103

HDFC SmartEMI

HDFC Bank Limited (scheduled private sector bank)

 4 ₹0 From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a. Read Review
104

DMI Finance

 4 ₹10L 13.99% – 24.90% p.a. Read Review
105

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
106

Chintamani Finlease

Chintamani Finlease Limited

 3.8 ₹3L Up to 26% a year Read Review
107

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
108

ATD Money

ATD Financial Services Private Limited

 3.7 ₹50,000 36.5% to 182.5% a year Read Review
109

InstaPe

Suryoday Small Finance Bank Limited (RBI-licensed small finance bank) and Mufin Green Finance Limited (RBI-registered NBFC)

 3.6 ₹0 Up to 30% a year Read Review
110

AbhiCash

C.N.M.P. Investments Private Limited

 3.6 ₹2L 14% to 36% a year Read Review
111

Lendingkart

Lendingkart Finance Limited

 3.5 ₹50L 13.5% to 35% a year Read Review
112

Omozing

Aparampaar Finance Private Limited

 3.5 ₹25L 11% to 59% a year Read Review
113

Instant Mudra

Chintamani Finlease Limited

 3.5 ₹30,000 Up to 66% a year Read Review
114

Cash247

Meghdoot Mercantile Private Limited

 3.5 ₹2L 12% to 32.5% a year Read Review
115

Udhaar Box

Moneyplus Financial Services Limited

 3.4 ₹50,000 10.5% to 365% a year Read Review
116

Prefr

Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services

 3.2 ₹5L 18% – 30% p.a. Read Review
117

SalaryMantra

Bagmane Traders Private Limited

 3.1 ₹1.5L Up to 35% a year Read Review
118

LoanTap

LoanTap Credit Products Private Limited (in-house NBFC), with MAS Financial Services Limited as co-lender; I-Loan Credit Private Limited is also named as a LoanTap lender

 3 ₹10L 12% to 26% a year Read Review
119

SMFG India Credit

SMFG India Credit Company Limited

 2.6 ₹10L 12.50% – 30.00% p.a. Read Review

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