Personal Loan App Get Instant Money & Quick Loans


Loans range from Rs.1,000 to Rs.25,000
Tenure: 62days to 180days. Interest rates range from 0%-36% depending on risk profile of customer and product availed
Example: If the loan amount is of Rs25,000 & interest is 26% per annum with tenure of 90 days; after deducting any other fees
Interest = Rs25,000 x 26%/365 x 90 = Rs.1,602

SmartCoin is India’s instant online loan provider for individuals looking for Personal Loans. With over 4Mn+ installs across India, we at SmartCoin provide personal loans, loan credit, cash loans to profiles like Business Owners, Support Executives, Salaried Professionals, with a minimum monthly income of Rs 15000. Click to know more about our PrivacyPolicy

SmartCoin makes it easier for anyone to borrow instant cash and get loan. You can get kredit instantly with just a few documents and get cash transferred to your bank account. The process of getting Instant Personal Loans through our loan app takes a few minutes and money is transferred to your bank account within 1 business day. We believe getting an easy online loan should be a pleasant experience, just like online shopping, and not tiring or embarrassing. SmartCoin is like a friend you can borrow money from without any hesitation just open your Loan App and within a few minutes, you are done with application process. With SmartCoin getting Cash Loans have been made easier by making it 100% digital.

For our users in Hindi:
SmartCoin se aapko mil sakta hai Instant Loan Rs.1000 se Rs.25,000 tak . Bas App Download kare kuch details fill karen , documents upload karen aur payen online cash loan . SmartCoin se aapko milta hai instant Kredit , Loan Application fill karne k kuch ghanton mai he aapko apne account mai dhan tranfer hota hai . Ab aap SmartCoin se Loan prapt kar sakte hai ghar bhaite he kahin se bhi . Loan application ka pura process 100% digital hai .

Why SmartCoin Loan App?
•Access Personal loans from Rs.1000 to Rs.25,000.
•Borrow cash loans at your convenience - With just a few clicks, anytime, anywhere get cash online transferred to your bank account.
•Completely Digital Loan: Few documents to upload on the application. Money Tap away!
•Works with all Android devices like Xiaomi, Oppo, Vivo, Samsung etc.

Documents required:
1.PAN Card
2.Address Proof
3.Bank Statement

Interest Rates, Amount and Tenure
Loan amounts range from Rs.1,000 to Rs.25,000, Tenure: 62 days-180days. Interest rates range from 0%-36% depending on the risk profile which is equivalent to a monthly interest rate of 0%-3% only. There is a small processing fee that is charged for loans e.g. for low risk customers 0%-3% of the principal, for very high-risk customers 4%-7%*. The charges and repayment tenures vary based on creditworthiness and repayment ability of the customers.

Penalty is charged only when someone delays their scheduled payment.

The APR for different products is separate as per the risk profile of the customers. The APR for different personal loan products: low risk customers is 0%-20%, medium risk customers are 18%-39%, high risk customers is 24%-42%* and very high-risk customers is 24%-66%*.

In addition to it, GST will be applicable only on the fee components as per Indian laws.

*The higher charges are only for loans of lower amount and lower repayment tenure.


A medium risk customer availing personal loan for salaried can avail a loan of ₹25,000 at an interest rate of 26% per annum on reducing balance, processing fee of Rs.750 for a period of 6 months. This would translate to an APR 21%.

Interest Calculation
If loan amount is Rs.25,000 & interest is 26% per annum on reducing balance, and loan is to be repaid over 6 EMIs, then overall interest payable is ₹2,690 only. The EMI per month would be ₹4,615 only.

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Additional Information

June 30, 2020
Current Version
Requires Android
4.4 and up
Content Rating
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