Quick Instant Loan At Low EMI

Upwards Capital Pvt Ltd

About this app

💰 Upwards is India’s quickest personal loan provider for salaried individuals looking for short-term loans between Rs.25,000 - Rs.5,00,000. 💰

We provide hassle-free personal loans to all job profiles like software engineers, accountants, retail store employees, nurses and more with monthly salary >= Rs.20,000.

💰 Key Points:
- Interest Rates (APR, Minimum to Maximum): 16% to 32% per annum
- Maximum APR: 32%
- Repayment Period (Minimum to Maximum): 6 to 36 months
- Processing Fee: 2-4% of loan amount

Sample APR calculation: For a loan of Rs. 100,000 at 20% interest rate per annum for tenure of 12 months your one time processing fee (@2% of loan amount) will be Rs. 2000 and monthly EMI will be Rs. 9263/-. The net amount credited to you will be Rs 98,000 (post processing fee deduction) and cumulative amount paid back by you will be Rs 1,11,161/- (=Rs 9263 x 12 EMIs), leading to an APR of 24%

- We do not provide any pay-day loans or loans with less than 90 day repayment period in accordance with Google Policy.
- We provide full disclosure about our usage of any customer data and permissions at various points in our app (Sample app user journey -> https://bit.ly/2O770Or, privacy policy -> https://upwards.in/policy)

📝 Prominent Disclosures:
Our Lending Partners:
- Upwards Capital Pvt Ltd (NBFC Partnership link http://capital.upwards.in/partners )
- Aditya Birla Finance Limited ( NBFC partnership link https://personalfinance.adityabirlacapital.com/pages/individual/platform-partners.aspx )
- HDB Financial Services Ltd ( NBFC partnership link https://www.hdbfs.com/products/digital-lenders )
- InCred Financial Services Limited ( NBFC partnership link https://www.incred.com/partnership.html )
- Vivriti Capital Private Limited ( NBFC partnership link https://www.vivriticapital.com/contactus.html )
- PayU Finance India Private Limited ( NBFC partnership link https://www.payufin.in/ )

🎯 Why Upwards - Quick Personal Loans?
✔️ Quick approvals
✔️ No Paperwork. Everything on mobile app.
✔️ Only PAN, Bank Statement & Salary slip are required.
✔️ Quick loan disbursal in 1 Day
✔️ Minimum interest rate

🔐 Security & Protection of Privacy:
- Protection of your privacy and your data security is a top priority at Upwards. Our technology complies with mandated security standards & robust protocols which have been tested & certified.
- Detailed privacy policy here https://upwards.in/policy

👍 Eligibility:
- Salaried employee > Rs.20000/ month
- Age above 21 years and below 50 years

🏠 Personal Loan Available In Cities:
- Mumbai, Pune
- Delhi, Gurgaon, Noida
- Bengaluru
- Chennai, Coimbatore, Tirupur
- Hyderabad, Secunderabad
- Ahmedabad
- Jaipur, Indore
- 100+ more cities

🤝Upwards Quick Personal Loans are for:
- Home construction & renovation
- Family functions & weddings
- Self-improvement
- Medical emergencies
- Travel
- Two-wheeler purchase
- Electronic Purchases
- Multiple loan repayment

📲 How does Upwards work?
- Download and login
- Fill in your loan requirements and employment details
- Upload your KYC Docs, AADHAAR, PAN and photograph
- Approval will be communicated within 1-2 hours
- After that, we will process the loan agreement and you will get loan amount

✔️ Loan Approval Criteria:
- Income-to-Expense ratio
- Demographics (like Age)
- Professional experience (like employer & total work-ex)
- CIBIL Score > 625
- Purpose of your loan

❌Your loan will be rejected if:
- You provide false information about your income
- Apply for an amount which you cannot afford
- Past EMI payment (Credit) history is not up to the mark.

📻News and featured article on Upwards loan:
- Livemint: http://bit.ly/2Ndh6Mj
- Inc42: http://bit.ly/2NKgtcD
- ET Tech: http://bit.ly/2MohrGJ
- ET Rise: http://bit.ly/2CUyfpi
- VC Circle: http://bit.ly/2OlAof4
- Deal Street Asia: http://bit.ly/2Ndvy78

Ratings and reviews

The customer experience is terrible, and their customer service is inadequate. You won't receive any assistance if you have questions. You'll receive over 50+ reminders (SMS, email, WhatsApp, calls) starting on the 21st of each month for a bill due the following month's first week. It's frustrating, especially since I haven't missed any payments. And no use of pre closure with them...

I want to foreclose the loan and the app doesn't have the basic feature for letting g us to foreclose the loan and when you send an email to the email address mentioned in the app and help section, then you will find that there is no such email avaliable. And if you raise a ticket there are no calls or any update on the ticket. Processing quick loan is not enough if someone is willing to foreclose the loan then please help them to foreclose the loan.

This is one of the worst app to take loan from !!!! I have been trying to contact them to forclose my existing loan but not a single response from them... U dont have an option to foreclose ur loan. Dont take loans from these kinda 3rd class money lending apps .. if this review needs to be deleted then contact to foreclose my existing loan.