SmartCoin - Personal Loan App 4.6.9

The SmartCoin app offers instant personal loans to both salaried and self-employed individuals who have immediate cash needs. The application process is completely digital and secure, allowing you to apply for a loan and have the money credited to your account within minutes. In addition to personal loans, the app also provides credit and savings options tailored specifically for India.

• Instant loans up to ₹1 lakh
• RBI registered lenders
• 100% digital process
• Minimal paperwork
• Tenure: Minimum repayment period of 2 months, maximum repayment period of 12 months
• APR range of 30 to 90%
• No pre-closure charges
• Collateral-free loans
• Available across India
• Easy repayment options
• Direct fund transfer to account in minutes
• Available in 7 languages (English, Hindi, etc)
• Recognized as The Economic Times – Best BFSI Brands 2023

Loan purposes:

• Instant loans for medical emergencies
• Personal expenses/pocket money
• Personal loans to cover education
• Instant online loan to meet household expenses
• Digital loans to address business expenses
• Loans to cover bills and rent
• Online loans to fund home renovation
• Loans for payment of EMIs
• Personal shopping loans

Eligibility:

• Self-employed
• Salaried
• New to credit
• Between 21-45 years of age
• Monthly income above ₹20,000

Documents Required:

• Address Proof and ID Proof (including PAN and Aadhaar)
• Bank statements (Optional)

Examples:

Here’s an example of how loans from SmartCoin work:

• Loan Amount: ₹45,000
• Tenure: 6 months
• Rate of Interest: 30% per annum
• Processing fee: ₹1,593 (3.54%)
• Total interest: ₹4,002
• EMI: ₹8,167
• Annual Percentage Rate (APR): 42.94%
• Amount Disbursed: ₹43,407
• Total amount to be paid: ₹8,167 x 6 = ₹49,002
• Total cost of loan: ₹4,002 + ₹1,593 = ₹5,595

Our Lending Partners:

• Upmove Capital Private Limited
• Vivriti Capital Private Limited
• Northern Arc Capital Limited
• Incred Financial Services Limited
• PayU Finance India Private Limited
• Poonawalla Fincorp

Steps to get a loan:

• Install SmartCoin Personal Loan App
• Register, add key personal details, and verify OTP
• Apply for an instant online loan after selecting your desired amount and tenure
• Upload documents to complete e-KYC
• Sign loan agreement following loan processing and approval
• Get an instant loan in your account within MINUTES

About SmartCoin:

SmartCoin Financials Pvt. Ltd. was established in 2015 as an app-based consumer lending platform. SmartCoin partners with RBI-registered NBFCs to offer instant personal loans to self-employed and salaried individuals who belong to the emerging and underbanked middle and lower-income segments in India. The company is known for its digital, paperless, automated, and quick disbursal process. In addition to micro-lending, SmartCoin also provides gold savings, insurance, and other financial wellness offerings. Their real-time credit decisioning sets them apart by allowing borrowers to receive money within minutes.

Queries & Contact:

• Phone: +91-9148 380504
• Mail: help@smartcoin.co.in