Now receive Personal Loan in minutes from Instant Loan App designed for Bharat

By | May 9, 2022

Now receive Personal Loan in minutes from Instant Loan App designed for Bharat

Present and available in more than 18,000 pin codes across the country, SmartCoin – India’s best small loan app, has disbursed over 2 million instant paperless loans to over 9 million happy users in the country.

You don’t need to run after your friends or family anymore to loan you some quick cash. We help people avoid awkward conversations about borrowing money. So, if you are looking for a friend who will lend you money without all the talking, the formalities, and the paperwork – this is it!

You can just download the SmartCoin small loan app and get approved for an amount starting from Rs. 4,000 – it doesn’t get easier than this! We have your back with our easy and Instant Personal Loans.

Tenure: 62days to 1 year. Interest rates range from 0%-30% depending on the risk profile of the customer and product availed.

Example: If the loan amount is ₹40,000 & interest is 22% per annum with tenure of 12 months, processing fee of Rs. 750 will be charged.
The interest for 12 months would come out to be ₹4,925. The EMI per month would be ₹3,744. This would translate to a maximum APR of 23.875%. The total cost of the loan will be ₹5,678. The total amount paid back including everything at the end of the term will be ₹45,678.

Why should you use SmartCoin?

We deliver faster, better, and process your instant loan application in a flash! We believe in simplicity. No paperwork and no questions asked, because your needs are prioritized.

SmartCoin small cash loan app offers you the freedom to take control of your daily financial needs with our best instant personal loan offerings. The best online instant personal loan app is right here and this is why:

• RBI-registered NBFCs
• Minimum documentation and no collateral required
• Personalize your personal loan offer according to your needs and lifestyle
• From the application stage to repayment, it’s entirely digital
• Personal loans from ₹4000 to ₹1 Lakh
• Speedy loan disbursement – get instant loans in the blink of an eye!
• Available Pan India
• Easy & convenient repayment options
• Personal loan approval in just 5 minutes
• Funds are directly transferred to your bank account in less than a day

Who can use SmartCoin

Anyone and everyone, be it salaried professionals or business owners, can apply on our instant paperless loan app!

Whether you live in a bustling metro, a peaceful Himalayan town, or on a serene island in the Indian Ocean – we aren’t joking! Get instant personal loans with SmartCoin!

How to avail funds with the best instant loan app in India:

• Install the app
• Register with a mobile number
• Upload KYC documents and check your loan eligibility
• Accept the offer and get instant loan approval for your application
• Post-approval, the best loan amount is credited to your account instantly!

Security and privacy policy

SmartCoin personal loan app ensures safety via standard security and privacy standards to protect its database. Our app is safe and secure and we do not share customer information with third parties without consent.


Trusted by millions, SmartCoin empowers Indians by providing financial access through responsible lending with instant loans and reasonable EMI plans. SmartCoin has been recognized nationally and internationally for its efforts at Google’s Launchpad Accelerator, Global Inclusive50 by MetLife, VISA, IFC, etc.

Amount, Tenure, Fees & Charges

Instant Loan amounts range from ₹4,000 to ₹1 Lakh, Tenure: 62 days-180days. Interest rates range from 0%-30% depending on the risk profile which is equivalent to a monthly interest rate of 0%-2.5% only. There is a small processing fee that is charged for loans e.g. for low-risk customers 0%-2.5% of the principal, for very high-risk customers 4%-7%*. The charges and repayment tenures vary based on the creditworthiness and repayment ability of the customers.

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