Capital Now App Reviews, Customer Care Number & Details

Hyderabad salary-loan app; loans from Goldline Finance, an RBI-registered NBFC

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

FINTECHRBI Regulated

Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

Capital Now (the company also writes it CapitalNow) is a Hyderabad loan app run by Finxer Technologies Private Limited, which arranges loans but doesn't lend. The money comes from Goldline Finance Private Limited, an NBFC in RBI's register, and the app also names Anu Colonisers Limited. The one thing to know: in its own sample, 24% interest is charged on the full ₹50,000 for all six months, so the real yearly cost is well above the headline rate. It's built for salaried people earning ₹22,000 a month or more, with loans up to ₹1,50,000 over 3 to 6 months. As of November 2026 the Play rating is 4.7, but the newest reviews look heavily prompted, and complaints about loans stuck under review keep coming in.

Quick Facts

4.7★ · 10.6K

Play Store

₹1.5L

Max Loan

From 18% a year

Interest Rate

Claims disbursal within 10 minutes (Play, home page); Goldline's page speaks of approval within 24 hours. Many October 2026 reviews report loans stuck 'under review' for hours to several days.

Disbursal

3 months to 6 months

Tenure

No fee range published

Processing Fee

₹22,000 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

It promises money within 10 minutes, but many October 2026 reviews describe loans stuck under review for hours or days.

Interest & cost 2.0/5

The sample charges 24% a year flat on the full amount plus a ₹2,500 fee and GST, and APR can reach 41.08%.

App experience 3.0/5

The paperless flow and auto-debit EMIs are simple, though users report eNACH failures and slow verification.

Customer support 2.0/5

Complaints go to one email inbox, Play replies are a template, and the grievance desk works weekdays only.

Safety & transparency 2.5/5

Goldline is RBI-registered and confirms the app, but the partner claims, data disclosures and recovery complaints don't line up.

Loan Details & Charges

Loan Amount ₹5,000 to ₹1,50,000

Interest Rate From 18% a year

Tenure 3 months to 6 months

Processing Fee No fee range published

Late Payment Goldline Finance policy: from the day after the due date, ₹25 or 0.15% of the EMI amount per day (whichever is higher) as penal charges; on day 7, a one-time late fee of ₹150 or 1% of the EMI amount (whichever is higher). Interest keeps accruing on the overdue EMI at the loan rate.

Foreclosure Zero pre-closure or foreclosure charges (FAQ, Play, home page). 3-day cooling-off exit after disbursal by repaying principal and proportionate APR, penalty-free (terms).

Bounce Charges No separate bounce charge published; Goldline says penal charges apply only when a repayment is missed and are shown in the loan agreement and KFS.

Eligibility Criteria

Age 21+ years

Min Income ₹22,000 per month

CIBIL Score 650+

Employment Salaried only

Documents PAN, Aadhaar (or passport) for address, recent salary slips (FAQ data: last 3 months) or income proof, bank statements, bank account for payout and eNACH, employer details and company email (Goldline's list), reference contacts

What It Actually Costs

Loan amount ₹50,000

Tenure 6 months

Monthly EMI ₹9,333 (Capital Now's own figure)

Total interest ₹6,000 (flat: 24% a year on the full ₹50,000 for six months)

Processing fee ₹2,500 + ₹450 GST = ₹2,950 (assumed deducted upfront; the sample doesn't say)

Total repayment ₹56,000

This is Capital Now's own Play sample, which says 24% p.a. Its ₹6,000 interest is 24% flat on the full ₹50,000, which works out to about 40.05% a year on a reducing balance (the rate used here); at a true 24% the EMI would be about ₹8,926. If the fee comes off the payout, you receive ₹47,050 and repay ₹56,000, a total cost of ₹8,950.

Try the Capital Now EMI calculator

Pros

Loans come from Goldline Finance, an RBI-registered NBFC that names Capital Now on its own website
Zero pre-closure charges, so you can repay early without a penalty
A 3-day cooling-off exit: repay principal and proportionate APR with no penalty
Fully digital: PAN and Aadhaar KYC, auto-debit EMIs, no branch visit
Grievance officer and nodal officer are named, with phone numbers and emails

Cons

Sample interest is flat on the full ₹50,000, so the true yearly cost is higher than 24%
APR can go up to 41.08%, plus a ₹2,500 fee and GST on the ₹50,000 sample
Short loans only: 3 to 6 months and up to ₹1,50,000
Income rule differs: ₹22,000 on Capital Now's pages, ₹30,000 on Goldline's
Recent reviews report loans stuck under review despite the 10-minute claim

Our Verdict

Capital Now is a real, working platform with a regulated lender behind it. Goldline Finance's own website names Finxer Technologies as its lending service provider and Capital Now as its app, and Goldline sits in RBI's NBFC list under the New Delhi office. That's the basic test, and it passes. The rest is patchy. Capital Now calls Goldline "systemically important", yet RBI places it in the Base layer, and Goldline's own pricing policy quotes the rules for non-systemically important NBFCs. The home page shows Credit Saison as a partner, but Credit Saison's partner list doesn't mention Capital Now, and we couldn't find a website for Anu Colonisers. The sample loan uses flat interest. The Play Data safety form lists only device IDs. And the terms say some processing fees are paid to Finxer itself, which RBI's digital lending rules say an LSP shouldn't collect from borrowers. If you're salaried and need a small sum for a few months, it can work. Before you sign, read the Key Fact Statement, check which lender's name is on it, and compare the total cost in rupees with a bigger regulated app.

Who Capital Now suits

Salaried people earning ₹22,000 or more who need a small amount for 3 to 6 months

Borrowers who expect to repay early, since there's no pre-closure charge

People happy to deal with support mainly by email

Look elsewhere if

Anyone who needs more than ₹1,50,000 or longer than 6 months

Borrowers who want a lender that publishes a reducing-balance rate range on its own site

Self-employed applicants, since Capital Now asks for salaried income

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

Things to Watch

Calls Goldline "systemically important", but RBI lists it in the Base layer and Goldline cites non-SI rules
Shows Credit Saison as a partner on its home page, but Credit Saison's partner list doesn't name Capital Now
Play Data safety lists only device IDs, while the privacy policy collects PAN, Aadhaar, bank and location data
Terms say borrowers pay some processing fees to Finxer; RBI says LSP fees must come from the lender
Many prompted-looking five-star reviews, plus 2026 reports of recovery calls to relatives and a spouse

How to Apply for Capital Now

1

Install the real app

Get Capital Now from Google Play or the App Store and check that the developer details show Finxer Technologies Private Limited.
2

Register and do KYC

Sign up with your mobile number, upload your PAN and Aadhaar, and take a selfie in the app.
3

Share income details

Add your salary slips or bank statements and employer details so the lender can assess you.
4

Read the KFS before you sign

Check the lender's name, APR, processing fee and EMI dates in the Key Fact Statement, then e-sign the agreement.
5

Set up auto-debit

Register the eNACH mandate; the loan is paid into your bank account and EMIs are debited on a fixed date.

Documents Required

PAN card

Aadhaar card (or passport) for address

Recent salary slips (the FAQ says the last 3 months)

Bank statements

Employer details and a work email

What Real Users Say

Read on Google Play on 4 November 2026. Most of the newest five-star posts are only a few words, several repeat the same sentence, some copy the app's own description, and one one-star review just says "Task Complete".

Capital Now shows 4.7 stars from 10,646 ratings on Google Play, but the flood of recent five-star posts looks prompted, and the reviews that describe real loans are far more mixed.

What users love

Happy users mention paperless KYC, a quick payout once approved, and an assigned manager who helped with verification and repayment questions.

Common complaints

Loans approved but stuck under review for hours or days, eNACH failures, limits that don't grow, closed loans not updated on CIBIL, one loan reported under two lenders, and recovery calls to relatives or a spouse after missed EMIs.

How Capital Now Compares

vs CASHe — CASHe also lends short term to salaried people, so put its KFS APR next to Capital Now's flat-rate sample.

vs KreditBee — KreditBee is a larger regulated app for small personal loans; compare its tenure options and total cost in rupees.

vs LendingPlate — LendingPlate serves salaried borrowers with similar loan sizes, so get both offers before you accept either.

How we tested

On 4 November 2026 we read Capital Now's website, terms, privacy, grievance and responsible-lending pages, its Google Play and App Store listings, the Play Data safety and permissions lists, and the newest Play reviews back to late June 2026. We found Goldline Finance, Anu Colonisers and Kisetsu Saison in RBI's NBFC list as on 30 September 2026 and read Goldline's partner, pricing and grievance pages. RBI's Digital Lending Apps directory didn't load, and we couldn't open MCA records. Everything was checked in November 2026. We didn't take a loan.

Capital Now Customer Support Details

Email is Capital Now's main channel: write to support@capitalnow.in with your Loan ID, since every Play reply sends complaints there. The number on its app listings, 7075463172, is an ordinary mobile line, not toll-free. If nothing moves, call grievance officer Akshitha Shetty on 7207771930, weekdays 9:30 am to 6:30 pm, then write to nodal officer Mahathi Cholasamudram at grievance@capitalnow.in. Goldline Finance, the lender, runs its own grievance desk.

Capital Now customer care number	+91 7075463172
Capital Now WhatsApp number	NA
Capital Now customer support email ID	support@capitalnow.in
Registered lending entity	Goldline Finance Private Limited (RBI-registered NBFC), with Anu Colonisers Limited also named on its Play listing; Finxer Technologies Private Limited runs the app
Capital Now grievance officer email	grievance@capitalnow.in

Verified from Capital Now'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 Capital Now customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Capital Now safe and RBI registered?

Capital Now itself isn't RBI registered; it's a loan service provider run by Finxer Technologies. The lender is Goldline Finance Private Limited, which appears in RBI's NBFC list and names Capital Now as its app on its own website. The app also lists Anu Colonisers Limited, another registered NBFC. So the setup is regulated, but check the lender named on your Key Fact Statement before you sign.

What does a Capital Now loan really cost?

Capital Now's own sample is ₹50,000 for 6 months at 24% a year, with a ₹2,500 processing fee plus ₹450 GST. Interest comes to ₹6,000, the EMI is ₹9,333 and you repay ₹56,000. That interest is worked out on the full amount, not the falling balance. The stated APR is 36.30%, and the app says APR can reach 41.08%. Your own KFS shows your real figures.

How much can I borrow from Capital Now, and for how long?

Capital Now offers personal loans up to ₹1,50,000, and Goldline's own page says loans start at ₹5,000. EMI tenure is 3 to 6 months on the app listings and home page, though the site's schema data mentions up to 36 months, and its FAQ says a ₹5,000 loan is repaid in one go. Treat 6 months as the usual limit as of November 2026.

Who can apply for a Capital Now loan, and what documents do I need?

Capital Now says you must be an Indian citizen aged 21 or older, salaried, and earning at least ₹22,000 a month. Goldline's own page asks for ₹30,000, so the bar may be higher than the app suggests. Keep your PAN, Aadhaar, recent salary slips and bank statements ready. A credit score of 650 or more helps, although the app says people with no score can apply.

How do I complain to Capital Now?

Email support@capitalnow.in with your Loan ID; that inbox also serves grievance officer Akshitha Shetty, who is on 7207771930 on weekdays from 9:30 am to 6:30 pm. If you're not satisfied, escalate to nodal officer Mahathi Cholasamudram at grievance@capitalnow.in or 7032790066, and to Goldline Finance's grievance team. If 30 days pass without a fix, complain to the RBI Ombudsman.

Why does my Capital Now loan show Goldline Finance or Anu Colonisers?

Because Capital Now doesn't lend; it arranges loans for NBFC partners. Goldline Finance is the main lender, and the Play listing also names Anu Colonisers Limited. One reviewer in September 2026 said a single loan appeared on their credit report under both names. If your report shows a closed loan as active, raise it with the grievance officer and the credit bureau, quoting your Loan ID.

What is the Capital Now customer care number?

The Capital Now customer care number is +91 7075463172. You can also email support@capitalnow.in. Always cross-check this against the number shown inside the Capital Now app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.

How do I file a complaint against Capital Now?

Work the escalation ladder in order. First, raise the complaint with Capital Now support (support@capitalnow.in) 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 grievance@capitalnow.in. 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 Capital Now 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 (grievance@capitalnow.in), 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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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