389K reviews
Content rating
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About this app

RING is India’s trusted transactional credit app for the young and the restless, the dreamers
and the doers. We are a homegrown, Made-in-India app that is 100% digital with credit
provided by an RBI-registered NBFC (Si Creva Capital Services Pvt. Ltd), offering quick credit, personal loans, and a plethora of payment options.

Customers can avail of credit up to Rs.5 lakhs with quick and paperless KYC in under 2
minutes! APR varies from 14% - 28% per annum. Convenient repayment over 3 to 24 months.
Unlock higher pre-approved limits on timely repayment.

RING follows a human-first approach to customer service. We care deeply about customer
safety, and data protection and take adequate measures to ensure that our customers have a
seamless and delightful experience, at every interaction. Our collection processes are
designed to be empathetic and follow all guidelines prescribed by RBI and MeiTY.

Use RING’s pre-approved limit to unlock awesome benefits:

* Pay at over 8 lakh RING merchant stores across India
* Transfer to your own bank account for quick cash
* Transact online and offline
* Seamless Bill Payments
* UPI Payments
* Power Loan up to Rs.5 Lakhs

Extra Bonus: Win unbelievable rewards and cashback, each time you transact on RING.

Example for using RING Limit
Instant credit amount (Principal): ₹10,000
Tenure: 6 months
Interest Rate: 0% per annum.
Processing Fee (incl. GST): ₹300 (3%)
Total Interest: ₹0
EMI: ₹1717
APR: 7.5%
Credit amount: ₹10,000
Total repayment amount: ₹10,300
Total Cost of the Loan = Interest Amount + Processing Fees = ₹0 + ₹300 = ₹300

How to avail RING Limit:
1. Open the camera/scanner to scan the welcome QR Code and install the app
2. Enter the amount to make the payment
3. Register with your contact number & PAN details
4. Accept the offer and start using your LIMIT
5. Pay as per the agreed repayment schedule

Why Choose RING?
• Easy credit up to Rs. 5 lakhs
• One-click magic Onboarding.
• Quick & Simple Application Process
• Flexible and Multiple Repayment Options
• Instant Approval & Credit Activation
• No Physical Documentation
• No Collateral Required

Eligibility Criteria:
● Applicant age should be 21 & above
● Indian Nationality
● Minimum monthly salary: Rs.40,000

Document Required:
● Only PAN required

We Care For You!

At RING we care deeply about the safety and well-being of our customers. Our
collection processes follow RBI guidelines and reflect our values of empathy and courtesy.

These are our 7 rules of Customer Care:

1. We do not contact customers via any private or personal 10-digit mobile
number on WhatsApp or SMS.
2. We do not contact customers for payment collection reminders from personal
mobile numbers, foreign numbers or Internet Based VOIP calls. Our team
always calls you from registered landline numbers.
3. We never ask customers to make payments into personal or private bank
accounts. Payments are only collected on our website or the app.
4. All our calls are monitored and recorded. Our agents never use threats or
abusive language.
5. We never ask for commission or cutbacks on payments of dues.
6. Our App does not seek permission to access your Contacts List or any other
private data.
7. We never call your friends or relatives for repayment of your loan as we do
not store your personal information.

In case you have faced any of the above-mentioned situations, do this:

1. Report and Block the number. It could be fraudulent.
2. Write to care@pay-with-ring.com OR call our customer care number on
02262820570/ 0224891492.
3. Share with us a screenshot or recording of the message or call.

Address: Office unit 2,3 & 4, 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai -400070. Maharashtra, India.

The application is SSL certified, and all transactions are 100% safe and secure.
Updated on
May 18, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

388K reviews
Vishal Tewetia
May 24, 2023
This is a fraud app. They say account transfer is free and there is no charge if you return in 30 days. They are charging extra before the payments and also to pay back, if you use Google pay or another UPI or even your debit card they are charging extra on that. I urge everyone not to install this app and stay away if you wish to keep your money safe.
129 people found this review helpful
Onemi Technology Solutions Pvt. Ltd.
May 25, 2023
Dear User, We regret the inconvenience caused. Please connect with us at 02250156417 to resolve your query. Thank you!
Amit Khatu
May 26, 2023
This app only allows first transaction with out any charges. When you pay the bill outstanding they show a membership fee which is just a gimmick to cheat you. Then from second transfer this app charges a 9.3% transaction fee which is too high. This is a cheat app don't fall for it.
32 people found this review helpful
Onemi Technology Solutions Pvt. Ltd.
May 26, 2023
Dear User, We regret the inconvenience caused. Please connect with us at 02250156417 to resolve your query. Thank you!
Neha Mhetre
May 19, 2023
It's one of the bestest app I have ever used.It was to easy to use & the amount you can do with this app is incredible.This process only took 2-3 minutes.The way RING works is very simple. I loved the fact that you get reward points for every transaction, which can be redeemed at the end of each month to buy stuff from their shop
108 people found this review helpful
Onemi Technology Solutions Pvt. Ltd.
May 20, 2023
Dear User, Thank you for giving us a 5-star rating! Your feedback and support have helped us work harder to provide you with the best of our services. Please help us expand by spreading the word about us among your family and friends. Thank you!

What's new

UI improvements for enhanced customer experience
Bug fixes and under the hood improvements