Prefr App Reviews, Customer Care Number & Details

CRED-group loan app offering ₹51,000–₹5 lakh personal loans through a rotating roster of partner NBFCs at 18–30% p.a.

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

FINTECH (LENDING PARTNER MODEL)No CIBIL NeededSelf-Employed OK
Reviewed by BankCreds App Review Team· App Review Analysts Updated 28 July 2026

Prefr is the odd one out among loan apps: its minimum ticket is ₹51,000. This is not a micro-loan app. It sits in the CRED group (Dreamplug Technologies, built on the CreditVidya acquisition), uses alternative-data underwriting with no hard CIBIL minimum, and claims disbursal in about 2 hours, with loans of ₹51,000 to ₹5 lakh at 18–30% p.a.

The catch is what you can't see. Prefr itself is not an RBI-registered lender; your contract is with whichever partner NBFC funds the loan, from a roster that keeps changing. Key charges aren't published on prefr.com, aggregators report penal interest of roughly 3% a month, and the app holds a middling 3.2★ on the Play Store despite the pedigree.

Quick Facts

3.2★ · 53.6K

Play Store

₹5L

Max Loan

18% – 30% p.a.

Interest Rate

Claimed ~2 hours after verification; some users report under 10 minutes

Disbursal

12 – 48 months

Tenure

3% – 5% (min ₹1,500) + GST — aggregator-reported, not published on prefr.com

Processing Fee

₹18,000+ per month

Min Income

Play Store rating sourced from Google Play, as of 3 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 4.0/5

Claimed ~2 hours after verification, and user reports of sub-10-minute disbursals are common in the praise.

Interest & cost 3.0/5

18–30% p.a. plus a 3–5% fee is expensive against banks, and the penalty schedule (penal ~3%/month, aggregator-reported) isn't on Prefr's own site.

App experience 3.0/5

The flow itself is quick and paperless, but a 3.2★ Play rating across ~53,600 reviews is middling for a CRED-group product.

Customer support 2.0/5

Named grievance officers per partner are a plus, but users report relentless calls, threatening recovery messages and slow fee-dispute resolution.

Safety & transparency 3.0/5

Reputable RBI-registered partner NBFCs, but Prefr itself isn't registered, the roster rotates, and key charges are unpublished on its own site.

Loan Details & Charges

Loan Amount Rs 51,000 – Rs 5,00,000
Interest Rate 18% – 30% p.a.
Tenure 12 – 48 months
Processing Fee 3% – 5% (min ₹1,500) + GST — aggregator-reported, not published on prefr.com
Late Payment Penal ~3% per month on the overdue EMI (~36% p.a.) + GST — aggregator-reported, not published on prefr.com
Prepayment Not published on prefr.com; third-party sources indicate charges apply
Foreclosure 4% – 5% of outstanding + GST (aggregator-reported; depends on the funding NBFC)
Bounce Charges ₹500 incl. GST (aggregator-reported)

Eligibility Criteria

Age 22-55 years
Min Income ₹18,000+ per month
CIBIL Score Not required
Employment salaried, self-employed
Documents PAN, Aadhaar, selfie, bank statement (only if requested)

What It Actually Costs

Loan amount ₹2,00,000
Tenure 36 months
Monthly EMI ₹7,847
Total interest ₹82,492
Processing fee ₹8,000 (4%) + GST
Total repayment ₹2,82,492

Illustrative at a ~24% mid-band rate. Your actual rate (18%–30%) and fee (3%–5%, aggregator-reported) depend on your profile and the funding NBFC.

Try the Prefr EMI calculator

Pros

  • Fast, fully paperless flow: claimed ~2-hour disbursal, with some users reporting money in under 10 minutes
  • CRED-group company (Dreamplug/ex-CreditVidya) with named grievance officers listed per lending partner
  • Alternative-data underwriting with no hard CIBIL minimum, so new-to-credit borrowers are considered
  • Minimal documents: PAN, Aadhaar and a selfie; bank statement only if requested
  • Proper mid-ticket range (₹51,000–₹5 lakh) for thin-file borrowers who need more than a micro-loan

Cons

  • Prefr itself is not RBI-registered; your contract is with a partner NBFC from a roster that keeps changing
  • Key charges aren't published on prefr.com: penal ~3%/month, ₹500 bounce and 4–5% foreclosure are all aggregator-reported
  • Expensive at the top of the band: up to 30% p.a. plus a 3–5% processing fee (min ₹1,500) + GST
  • Middling 3.2★ Play Store rating across ~53,600 reviews despite 1M+ installs
  • 2024–25 consumer-forum allegations of relentless telemarketing and threatening recovery messages

Our Verdict

Prefr makes sense for one specific borrower: someone who needs a genuinely mid-size loan, ₹51,000 to ₹5 lakh, has at least ₹18,000 a month coming in, and may have a thin or non-existent credit file that banks won't touch. The CRED-group backing, named grievance officers per lending partner, and fast paperless flow are real positives. If you need ₹10,000 or ₹25,000, this app is simply not for you. The real cost story is opaque, and that's our biggest gripe. The 18–30% band plus a 3–5% processing fee is already expensive against banks, but the charges that bite hardest, penal interest of about 3% a month, a ₹500 bounce fee, 4–5% foreclosure, come from aggregators, not from prefr.com itself. When a lender's own site won't publish its penalty schedule, you read the sanction letter twice. Be clear-eyed about conduct too. Consumer forums carry 2024–25 allegations of relentless telemarketing and threatening recovery messages, which are user reports, not adjudicated findings, but they fit the 3.2★ rating. Borrow here only if the ticket size fits, you've confirmed every charge in writing, and you know exactly which NBFC you're contracting with.

Who Prefr suits

Borrowers who genuinely need ₹51,000–₹5 lakh, not a small emergency top-up
New-to-credit or thin-file applicants earning ₹18,000+ a month whom banks decline
Salaried or self-employed borrowers aged 22–55 who want a fast, paperless process
People who will read the sanction letter and confirm the funding NBFC and full charges before signing

Look elsewhere if

You need less than ₹51,000; Prefr won't offer it, and micro-loan apps will
You have a clean 750+ CIBIL file; a bank or a cheaper marketplace like MoneyView will likely beat 18–30% plus a 3–5% fee
You want every charge published upfront by the lender itself before you apply
Aggressive recovery practices are a dealbreaker; the 2024–25 allegations here are worth weighing

Things to Watch

  • Prefr's own site doesn't publish its penalty schedule. Penal interest of ~3% a month (about 36% p.a.), a ₹500 bounce charge and 4–5% foreclosure fees come from aggregators, so demand the full charges list in writing before signing
  • Consumer forums carry 2024–25 harassment-style recovery allegations, including one March 2025 filing alleging calls every 30 minutes to someone who never applied. These are user allegations, not adjudicated findings, but factor them in
  • You're not borrowing from Prefr. The loan comes from whichever partner NBFC funds it, and the roster has changed repeatedly, so check your agreement to see who actually holds your loan and sets your charges

How to Apply for Prefr

  1. 1

    Register and check eligibility

    Download Prefr from the Play Store or visit prefr.com, verify your mobile number with an OTP, and enter basic personal and income details. Underwriting uses alternative data, so there's no hard CIBIL cut-off.

  2. 2

    Complete KYC

    Submit PAN and Aadhaar and take a selfie. A bank statement is asked for only if the funding NBFC requests it.

  3. 3

    Review your offer carefully

    Check the sanctioned amount (minimum ₹51,000), rate, tenure and every charge. Note which partner NBFC is funding the loan; that's who your contract is with.

  4. 4

    Sign and receive funds

    E-sign the agreement and set up auto-debit. Prefr claims disbursal in about 2 hours after verification; some users report under 10 minutes.

Documents Required

PAN card
Aadhaar (for KYC)
Selfie (in-app verification)
Bank statement, only if requested by the funding NBFC

What Real Users Say

Prefr sits around 3.2★ on the Play Store across ~53,600 reviews (July 2026), a middling score for an app with 1M+ installs and CRED-group backing. Some sites cite 4.2★, which appears to be older data.

Sentiment splits sharply: speed gets praised, conduct and charges draw the anger, and the 3.2★ rating reflects it.

What users love

Borrowers praise very fast disbursal (some under 10 minutes), the paperless flow, minimal documents, and approvals for thin-file and new-to-credit profiles.

Common complaints

Users report relentless telemarketing and collection calls (one March 2025 filing alleges calls every 30 minutes to a non-applicant), threatening late-night WhatsApp messages mentioning court cases, steep penal charges, and fees higher than expected.

How Prefr Compares

vs MoneyView — The closest marketplace rival, with a much lower entry ticket and a better-rated app; pick Prefr only if the ₹51,000+ range and new-to-credit underwriting fit you specifically.

vs Fibe — Fibe offers smaller minimums and cheaper starting rates for good-credit salaried profiles; Prefr is looser on credit history but pricier and more opaque on charges.

vs KreditBee — KreditBee is the better fit for first-time small-ticket borrowers; effective pricing is similar or higher, but you aren't forced to borrow at least ₹51,000.

How we tested

We reviewed Prefr's published terms across its website and Play Store listing, checked Dreamplug Technologies against RBI NBFC records (it isn't registered; its lending partners are), verified the current partner roster on prefr.com, and read recent borrower feedback on the Play Store and consumer forums. Several charges are aggregator-reported because Prefr doesn't publish them, and we flag those throughout. Conduct complaints are user-reported allegations, not adjudicated findings. Figures are accurate as of July 2026 and vary by funding NBFC, so always confirm your actual offer and a full charges breakdown before borrowing.

Prefr Customer Support Details

Prefr answers from Hyderabad on a chargeable landline, with email as the written channel. Because Prefr partners with multiple regulated lenders, state clearly which loan you are calling about; the agent needs to identify the underlying NBFC before they can act on repayment, closure or credit-reporting queries.

Prefr customer care number 040-6988 1555
Prefr WhatsApp number NA
Prefr customer support email ID wecare@prefr.com

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

Frequently Asked Questions

Is Prefr RBI registered?
Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.
What is the Prefr customer care number?
The Prefr customer care number is 040-6988 1555. You can also email wecare@prefr.com. Always cross-check this against the number shown inside the Prefr 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 Prefr?
Work the escalation ladder in order. First, raise the complaint with Prefr support (wecare@prefr.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, whose details every RBI-regulated lender must publish on its website and inside its app. 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 Prefr 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, 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.

Download Prefr

Get instant loan in minutes

Apply Now

Compare With

Compare Apps

All Loan App Reviews

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

Rank App Rating Max Loan Rate Review
1

Viva Money

FincFriends Private Limited

4.9 ₹2L 18% to 40% a year Read Review
2

Money Bro

JMJ Fintech Limited

4.9 ₹50,000 18.25% to 73% a year Read Review
3

B4Salary

Kisga Leasing & Finance Private Limited

4.8 ₹1L 35% to 36% a year Read Review
4

Bajaj Finserv

4.6 ₹55L 10.00% – 30.50% p.a. Read Review
5

Navi

4.6 ₹20L 9.90% – 29.00% p.a. Read Review
6

RupeeRedee

Fincfriends Private Limited

4.6 ₹2.5L 28% to 58% a year Read Review
7

CredMe

Exude Vincom Private Limited

4.6 ₹1.5L Up to 35% a year Read Review
8

Branch

Branch International Financial Services Private Limited (co-lending: Northern Arc Capital Limited; Vivriti Capital / Hari and Company Investments Madras Private Limited)

4.6 ₹5L 12% to 66% a year Read Review
9

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
10

FlexiLoans Business Loan

4.58 ₹50L 12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished) Read Review
11

KreditBee

KrazyBee Services Limited (NBFC) plus partner lenders: Northern Arc Capital, MAS Financial Services, PayU Finance India, Kisetsu Saison Finance, Piramal Finance, Cholamandalam, Mirae Asset Financial S

4.5 ₹10L 12.00% – 28.50% p.a. Read Review
12

MoneyView

Multiple partner NBFCs/banks: Whizdm Finance Pvt Ltd (Moneyview group NBFC), Aditya Birla Finance, DMI Finance, Clix Capital, Kisetsu Saison Finance, SMFG India Credit, Piramal Capital & Housing Finan

4.5 ₹10L 14.00% – 24.00% p.a. Read Review
13

Home Credit

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

4.5 ₹4.8L 19.20% – 44.00% p.a. Read Review
14

Fibe

NBFC partners

4.5 ₹10L 18.00% – 36.00% p.a. Read Review
15

Piramal Finance

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

4.5 ₹25L 12.99% – 24.00% p.a. Read Review
16

True Balance

True Credits Private Limited (group NBFC) plus partner NBFCs: Grow Money Capital, InCred Financial Services, Vivriti Capital, Northern Arc, OXYZO Financial Services

4.5 ₹2L 28.80% – 36.00% p.a. Read Review
17

SalaryOnTime

Kasar Credit & Capital Private Limited, Karn Securities Private Limited

4.5 ₹1L 35% to 36% a year Read Review
18

TezCredit

Finagle Financial Services Private Limited

4.5 ₹2.5L 12% to 36% a year Read Review
19

TapLend

Barbarik Finco Private Limited (formerly Baba Lease and Investment Private Limited)

4.5 ₹2L 24% to 36% a year Read Review
20

CashVia

Grow Money Capital Private Limited

4.5 ₹2L Not published Read Review
21

LendingPlate

Unifinz Capital India Limited (NBFC, RBI CoR 14.00233)

4.5 ₹2.5L 12% – 30% p.a. Read Review
22

mPokket

mPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited)

4.4 ₹2L 22.00% – 36.00% p.a. Read Review
23

LazyPay

NBFC partners

4.4 ₹5L 18.00% – 32.00% p.a. Read Review
24

Kissht

SiCreva Capital Services Pvt. Ltd. (OnEMI/Kissht group NBFC) plus financing partners (logos: Aditya Birla, Mirae Asset Financial Services, Northern Arc, Piramal, SMFG, Suryoday, Utkarsh, Vivriti, MAS)

4.4 ₹5L 14.00% – 30.00% p.a. Read Review
25

Freo

Multiple partners: Kisetsu Saison Finance (India) Pvt Ltd, SMFG India Credit, InCred Finance, RBL Bank, Apollo Finvest (India) Ltd, Cholamandalam, Lendbox, Komac Investments & Finance, Aspire Finance,

4.4 ₹5L 13.00% – 36.00% p.a. Read Review
26

Nira

Multiple NBFC partners (LSP model): Northern Arc Capital, Niyogin Fintech, Avanti Finance, PayU Finance, Trillion Loans (formerly BharatPe-linked), Komac Investments and Finance (KIFPL); NIRA = Shuhar

4.4 ₹1L 24.00% – 36.00% p.a. Read Review
27

RapidRupee

Bee Pee Jay Finance Limited (group NBFC); Yuvaraj Finance Private Limited (partner)

4.4 ₹20,000 12% to 36% a year Read Review
28

PayMe

ScaleUp Financial Services Private Limited (formerly PayMe India Financial Services Private Limited); also Finkurve Financial Services Limited (Arvog) and Ruloans Financial Services Private Limited

4.4 ₹5L 18% to 36% a year Read Review
29

CreditSea

Partner NBFCs: Chhotaria Securities Pvt Ltd (NBFC Reg B-05.04798), Meghdoot Mercantile Pvt Ltd (B-05.03357), CP Capital Ltd, TapStart Capital Pvt Ltd, Coffers Finvest Ltd (formerly GSB Finance). Credi

4.4 ₹2L 14% – 36% p.a. Read Review
30

CASHe

Bhanix Finance and Investment Limited (NBFC)

4.3 ₹3L 33.50% – 36.00% p.a. Read Review
31

FlexSalary

Vivifi India Finance Private Limited (RBI CoR N-09.00447)

4.3 ₹3L 18.00% – 42.00% p.a. Read Review
32

OLYV

Multiple partner NBFCs (homepage logos: InCred, Northern Arc, PayU Finance, Poonawalla Fincorp, Upmove, Vivriti Capital); platform is SmartCoin Financials Pvt. Ltd.

4.3 ₹5L 18.00% – 36.00% p.a. Read Review
33

Rupee112

Aadhar India Finvest Limited

4.3 ₹5L Up to 35% a year Read Review
34

Chinmay Finlease

Chinmay Finlease Limited

4.3 ₹5L 28% to 36.5% a year Read Review
35

Bright Loans

Avinash Capital Markets Private Limited

4.3 ₹1.2L 35% to 487% a year Read Review
36

BharatLoan

Solomon Capital Private Limited

4.3 ₹5L 35% to 365% a year Read Review
37

My Money Bazaar

Bansal In Hold Limited (also Aasra Fincorp Private Limited)

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
38

CashPey

Naman Commodities Private Limited

4.3 ₹5L 18% – 36% p.a. (Play listing); APR up to 50% Read Review
39

RING Power Loan

Si-Creva Capital Services Pvt Ltd (in-house, RBI reg N-13.02129), Northern Arc Capital, MAS Financial Services, Utkarsh Small Finance Bank

4.3 ₹5L 32% – 57% p.a. Read Review
40

Stashfin

Akara Capital Advisors Private Limited (NBFC); co-lending partners Cholamandalam Investment and Finance Co Ltd, Northern Arc Capital Ltd, Oxyzo Financial Services Pvt Ltd

4.2 ₹5L 11.99% – 59.99% p.a. Read Review
41

PayRupik

Sayyam Investments Pvt. Ltd. (RBI-registered NBFC)

4.2 ₹2.5L 20.00% – 36.00% p.a. Read Review
42

Oro Money

Tenmark Capital Private Limited (Orocorp's own NBFC subsidiary); also Kumbhat Financial Services Limited and Sunita Finlease Limited (personal and bridge loans); gold loans also funded by The Federal Bank Limited (a bank)

4.2 ₹25L 9.9% to 35% a year Read Review
43

Kubiz Capital

Kubiz Capital Private Limited

4.2 ₹1L 18% to 36% a year Read Review
44

Direct Credit

Meet Finance Private Limited

4.2 ₹200L From 9.99% a year Read Review
45

Hero FinCorp

Hero FinCorp Limited (NBFC, lends directly)

4.2 ₹7L 18% p.a. onwards (no published cap) Read Review
46

TrustPaisa

Thanvir Bros Private Limited and Sonu Marketing Private Limited (Brahma Finance)

4.1 ₹45,000 Up to 36% a year Read Review
47

ATM Cred

Swastik Finance Limited

4.1 ₹1L 18% – 36% APR (Play); up to 3% per month (lender page) Read Review
48

Pocketly

Speel Finance Company Private Limited (NBFC; owns and operates Pocketly)

4.1 ₹50,000 24% – 36% p.a. (all-in APR up to ~132% with fees, per third-party listings) Read Review
49

HDFC Bank Pre-approved Personal Loan (Insta)

HDFC Bank Limited (scheduled private sector bank)

4 ₹50L 9.99% – 24.00% p.a. Read Review
50

ICICI Bank Personal Loan

ICICI Bank Limited (scheduled private sector bank)

4 ₹50L 9.99% – 16.50% p.a. Read Review
51

Axis Bank Instant Loan

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

4 ₹50L 9.99% – 22.00% p.a. Read Review
52

The Zenith Loan

Zenith Machinery Private Limited

4 ₹1L 264% to 456% a year Read Review
53

Snap Paisa

Ampire Finance Private Limited

4 ₹1L 15% to 35% a year Read Review
54

SalariedLoan

Gopi Securities Private Limited

4 ₹5L 35% a year Read Review
55

Sabka Loan

Mahashakti Financiers Limited

4 ₹1L Up to 36% a year Read Review
56

RupeeGo

Salora Capital Limited

4 ₹5L Up to 36% a year Read Review
57

Paisa Daily

Ready Leasings Private Limited

4 ₹50,000 365% a year Read Review
58

PaisaBoxx

Sawalsha Leasing & Finance Private Limited

4 ₹1L Not published Read Review
59

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
60

Money Finserve

Gopi Securities Private Limited

4 ₹5L 35% a year Read Review
61

KredTap

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

4 ₹1L 12% to 32.5% a year Read Review
62

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
63

Fundo Baba

U.Y. Fincorp Limited

4 ₹1L 182.5% to 365% a year Read Review
64

CashToYou

Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited

4 ₹40,000 0% to 73% a year Read Review
65

Apollo Finvest

Apollo Finvest (India) Limited

4 ₹50,000 Not published Read Review
66

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
67

DhanCash

Ind Global Securities Limited

4 ₹1L 0.4% – 1.1% per day (146% – 401.5% a year) Read Review
68

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
69

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
70

FatakPay

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

4 ₹5L 18% – 40% p.a. Read Review
71

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
72

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
73

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
74

Unity SFB Personal Loan

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

4 ₹5L 16% – 30% p.a. Read Review
75

Zype

Respo Financial Capital Private Limited

4 ₹5L 18% – 34% p.a. Read Review
76

True Fund

4 ₹0 Not disclosed Read Review
77

Tap4Credit

4 ₹0 Not disclosed Read Review
78

Poonawalla Fincorp

4 ₹5L 16% p.a. onwards (no published cap) Read Review
79

PayTrust

4 ₹0 Not disclosed Read Review
80

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
81

DMI Finance

4 ₹10L 13.99% – 24.90% p.a. Read Review
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. You're here
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

Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.