SmartCoin - Personal Loan App

The SmartCoin app provides instant personal loans to the salaried and self-employed for cash needs that can’t wait. Apply for a personal loan through a completely digital and secure process, pass the eligibility terms and conditions, and the money is credited to your account within minutes. Explore the app for credit and savings options tailored for India.

✅ Instant loans up to Rs 1 lakh
✅ RBI registered lenders
✅ 100% digital process
✅ Minimal paperwork
✅ Tenure between 2-9 months
✅ 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 Rs. 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:
Example

• 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
• APR (Annual Percentage Rate): 42.94%
• Amount Disbursed: ₹43407
• 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
-MAS 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 comprise the emerging and underbanked middle and lower-income segments in India. We are among the most trusted instant personal loan apps in India. The company works with a vision to address the concerns of the vast underbanked in India and has since evolved from a micro-lending to a financial wellness platform providing versatile offerings, beyond online loans and including gold savings, and insurance, among others. We serve customers using a digital, paperless, automated, and quick-disbursal process. What differentiates us is our real-time credit decisioning,
which enables borrowers to receive the money within minutes.

Queries & contact

Phone: +91-9148 380504
Mail: [email protected]