smartcoin loan app

SmartCoin Loan App Review – Is this App Fake or Real


SmartCoin Financials Pvt. Ltd., founded in 2016, is an app-based consumer lending platform that partners with RBI-registered NBFCs.

Their mission is to address the concerns of the underbanked population in India by offering instant personal loans to self-employed and salaried individuals. Over time, they have expanded their services to include gold savings, insurance, and more.

About SmartCoint Loan App

App Downloaded 10M

App Rating 4.1 Stars

App Available for Android and iPhone

RBI Registered lenders

Instant Loan up to 1 Lakh

Instant Personal Loans:

With SmartCoin, individuals can easily obtain loans ranging from ₹1,000 to ₹100000 with repayment tenures of 91 to 270 days. their interest rates range from a minimum of 20% to a maximum of 36%.

Driving Financial Inclusion:

Their goal is to become India’s largest fully automated financial inclusion organization. they aim to provide a comprehensive range of financial services, including micro-loans, to the underserved middle and other-income segments.

SmartCoint Loan App

As one of the top 10 Google Launchpad-backed AI/ML Tech start-ups, they offer exciting opportunities to build and scale their business while working with brilliant minds dedicated to solving the issue of financial inclusion.

Wide Reach and User Base:

SmartCoin operates in over 17,000 pin codes across India and has served more than 5.5 million users. their user profile includes micro-entrepreneurs, small retailers, blue-grey-collared workers, and salaried employees from various sectors.

Harnessing Data for Growth:

As a key team member, you will have the opportunity to work with petabytes of data and drive organizational growth through data-driven insights. they enctheirage innovation and provide the opportunity to patent their AI/ML tech.

Opportunities at SmartCoin:

If you thrive on cutting-edge technology and enjoy working with innovators in the early stages of ideas, products, or platforms, SmartCoin is the place for you. Join their team as a developer or product manager, where you will utilize the latest technologies to create customer-focused products.

What You Can Expect:

As a high performer at SmartCoin, you can expect ownership in the form of ESOPs, competitive salaries in the 90th percentile, an open culture that values their opinions, and the chance to learn from industry experts. Most importantly, you will have a significant impact on the lives of billions of people by uplifting them financially.

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Customer Feedback on SmartCoin’s Personal Loan Service

Download This App

Positive Feedback: Easy and Convenient Loan Process

  • User-friendly and intuitive SmartCoin app
  • No hidden costs or fees
  • Great customer service with prompt and helpful responses
  • Highly recommended for fast and reliable personal loans

Positive Feedback: Hassle-free and Competitive Rates

  • Quick and hassle-free loan application process
  • Competitive interest rates
  • The responsive and helpful customer service team

Positive Feedback: Quick and User-friendly Loan App

  • User-friendly and intuitive interface
  • Quick loan disbursal process
  • Low-interest rates and flexible repayment options
  • Helpful customer support team

Mixed Feedback: Request for Processing Fee Discount

  • Satisfied with service and quick processing but concerned about processing fees
  • Suggestion for discounts for timely and pre-paying customers

Positive Feedback: Quick and Efficient Loan Disbursal

  • Quick and straightforward loan application process
  • User-friendly and intuitive app interface
  • Disbursement received within minutes

Negative Feedback: Unhappy with Fees and Interest Rates

  • Unhappy with processing fees and lack of transparency regarding GST charges
  • Perceived high-interest rates compared to initial expectations

Negative Feedback: Disappointed with Loan Amount and Customer Support

  • Dissatisfied with the reduced loan amount for a repeat customer with good credit history
  • Lack of response from customer support

Negative Feedback: Delayed Loan Disbursal and High Fees

  • Frustration with delay in loan amount credited to the bank account
  • High-interest rates and processing fees

Positive Feedback: Budgeting and Financial Management App

  • Appreciation for the simple and intuitive interface
  • Assists in budgeting and managing expenses effectively
  • Helps achieve financial goals and save money

SmartCoin’s Response to Customer Feedback:

SmartCoin expresses gratitude for the positive reviews and customer satisfaction. They aim to address loan needs and encourage customers to refer the app to friends. They acknowledge the negative feedback and assure continuous improvement of services. Customers are directed to fill a form or contact customer support for assistance.

Note: The customer feedback has been condensed and paraphrased for brevity while preserving the key points.

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