4.7
511K reviews
10M+
Downloads
Content rating
Everyone
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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.

Disclaimer:
The application is SSL certified, and all transactions are 100% safe and secure.
Updated on
Sep 7, 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

4.7
510K reviews
Mallesh lootigal
September 8, 2023
I have been used the credit limit for two months. But, once paid the loan amount with extra amount, it shows the credit limit. But, I couldn't use the limit. I have been cheated so far once the amount returned. I am doing business, amount has been locked. I am totally fed-up with the service of Ring. So, don't cheat anyone those who need in emergency.
797 people found this review helpful
Onemi Technology Solutions Pvt. Ltd.
September 9, 2023
Dear User, We regret the inconvenience caused. Please connect with us at 02250156417 to resolve your query. Thank you
TARUN TOMAR
September 28, 2023
Great app as it help me when I need money. Once your limit is approved. You. Can easily transfer amount into your bank. Repay option are also convenient. 👌 Customer support is also very good. If you have any queries than just mail them in few minutes you will get the reply.
44 people found this review helpful
Onemi Technology Solutions Pvt. Ltd.
September 28, 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!
Yadnesh YT
September 25, 2023
Easy compatible and last moment app. The service so far has been great. Old bad experience I had was with reaching the customer service which really needs to improve to get higher. And charges are unpredictable..।
71 people found this review helpful
Onemi Technology Solutions Pvt. Ltd.
September 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