RING: Quick Personal Loan App

Onemi Technology Solutions Pvt. Ltd.

About this app

RING is India’s trusted credit app for the young and the ambitious, the dreamers and the doers. We are a Made-in-India app that is 100% digital with credit provided by an RBI-registered NBFC (Si Creva Capital Services Pvt. Ltd), offering long-term 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 5 minutes! APR varies from 18% - 36% per annum. Convenient repayment over 3 to 24 months. Unlock higher pre-approved loans on timely repayment.

With RING UPI, you can conveniently send money to any mobile number or bank account. UPI lite allows you to make small-value transactions up to Rs.200. With Expense Tracker, you can check account balances, credit card & UPI spending patterns across categories, and net monthly savings.

Use RING to unlock awesome benefits:

* Pay at over 10 lakh RING merchant stores across India
* Power Loan up to Rs. 5 Lakhs
* Transfer to your bank account for quick cash.
* RING UPI & UPI Lite for convenient transactions
* RING Expense manager to track all your expenses and view them at a glance.


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.


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

Example of Credit for Small Business Purchases
Loan amount (Principal): ₹ 1,00,000.
Tenure: 12 months.
Interest Rate: 30% per annum.
Processing Fee (incl. GST): ₹ 3000 (3%).
Total Interest: ₹ 16,985.
EMI: ₹ 9747.
APR: 36.86%.
Loan amount is ₹ 1,00,000.
Disbursed amount is ₹ 97,000.
Total loan repayment amount is ₹ 1,16,985.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,985 + ₹3000 = ₹19,985

Why Choose RING?
• Easy credit up to Rs. 2 lakhs
• Quick & Simple Application Process
• Flexible and Multiple Repayment Options
• Instant Approval & Credit Activation
• No Physical Documentation
• No Collateral Required

We work with RBI-registered NBFCs.The NBFCs are as follows:
-Si Creva Capital Services Pvt Ltd
-Poonawalla Fincorp Limited
-MAS Financial Services Limited

Eligibility Criteria:
● Applicant age should be 21 & above
● Indian Nationality

Documents Required:
● PAN
● Aadhaar

We Care For You!

At RING we care 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 don't contact customers via any private or personal 10-digit mobile number on WhatsApp or SMS.
2. We don't 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. Write to [e-mail] OR call our customer care number on
02262820570/ 0224891492.
2. 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.

Ratings and reviews

It has greatly aided me in a variety of difficult situations. Guys, this isn't a phony review. I've tried a lot of credit applications, but Ring App is by far the best, it's worth spending a little extra to get you out of a bad position. Thank you, Ring App Team. With the app, you can keep track of your expenditures and check your credit score. Request a Pay later App Ring.....

Good appIthas been a game-changer for me. With its lightning-fast approval process, I've been able to cover unexpected expenses without the hassle of traditional loan applications. The app interface is user-friendly, and the repayment options are flexible, making it convenient to manage my finances completely. Highly recommended.. .. . .!

I never missed on repayments till now! In return they gave me credit limit that I can't be able use or can't be able transfer to account even! When I contacted the support team, surprisingly the support team told me that you don't have any offer or credit limit! If you are using this app make payment for first 2 times, for the 3rd time don't pay the moneyn! They won't credit any amount! Bad experience!

What's new

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