★☆☆☆☆ Amaan sidd · 17 Sep 2026 · v3.0.4

Please do not take a loan from this app. This is a genuine request from my side. The interest rate is extremely high and the repayment tenure is very short, usually only 1–2 months. The interest rate can be as high as 140%, which makes the loan extremely expensive. For example, if you borrow ₹25,000, you may end up having to repay around ₹35,000–₹36,000 within just 2 months. That means paying approximately ₹10,000–₹11,000 extra on a ₹25,000 loan in a very short period. In my opinion, there ar

★☆☆☆☆ Dipanshu Pandey · 16 Sep 2026 · v3.0.4

Presnol is the worst and dirtiest app for loan and it charges the worst interest. It is a very bad app. Do not take loan from it at all ye This is such a terrible app; they recover ₹18,000 against a loan of ₹10,000, and that too within just 60 days. Do not take a loan from them at all; stay as far away from them as possible. It is really bad.

★☆☆☆☆ mohammed danish ansari · 16 Sep 2026 · v3.0.4

I already paid all installment in time but my credit limit is decreased. and tjis time my application got rejected I don't know why this is happened. Really worst and pathetic experience. and if there is option of below rating that i will also give. Regards

Developer reply · 1 Jun 2024

Hi, Thanks for your kind words. We will share your feedback with our team. Don’t forget to share your Payrupik experience with friends & colleagues. Thank You.

★☆☆☆☆ Gonela Naresh · 15 Sep 2026 · v3.0.4

⚠️ WARNING: Please Do NOT Use This App! Please stay away from this loan app. The interest rates shown inside the app are completely different from what they actually charge. For example, they may approve a ₹50,000 loan, but only ₹45,000 is actually disbursed. However, you are expected to repay around ₹59,000. Where are these additional charges and interest rates coming from? This is extremely misleading. On top of that, the repayment period is less than 60 days, which puts unnecessary pressur

★☆☆☆☆ Asnah.k Asmah12 · 13 Sep 2026 · v3.0.4

🥲"I have previously taken loans through your platform and paid all my installments on time without any delay. However, my new loan application is not getting approved now. What is the reason for this? This has been a very disappointing experience for me. Kindly look into this and sanction my loan at the earliest."

★☆☆☆☆ Hussain sheikh · 13 Sep 2026 · v3.0.4

experience was great for the first time but after timely payment of second time and reapply for loan on 7 September ,loan was sanctioned and even the emi details has also came immediately but iamount is not credited in my bank . sent mails but no response, neither any solution on call support. not credited till 13 sept. old credit limit decrease and new less credit limit showing,after applying the new limit also can rejected and on hold till 30 days.very disappointing. fraud with customers.

★☆☆☆☆ Gagandeep Singh · 12 Sep 2026 · v3.0.4

i wouldn't be given a single star if there was a only comment policy, this is the worst app i have ever used. firstly they are charging you a 199 Rs for finding if you can get any offer? second that are taking almost a day to verify that a loan can be offered. this is the disaster in this type of applications. i don't recommend this application in any terms. do not even download .

★★★★★ ARIF THE DEVIL · 12 Sep 2026 · v3.0.4

5 ⭐ I really like this app. I have received payments from it twice. It is a good app; it meets needs during emergencies and offers ample time for repayment. Like other similar apps, the repayment amount is on the higher side, but it is reasonable and doesn't feel too burdensome—hence, 5 stars.

★★☆☆☆ Virendra Rajput · 1 Sep 2026 · v3.0.4

I am very happy with my experience using this service. The overall process was simple, smooth, and easy to understand. The application is user-friendly, and all the important features are available in one place. I especially liked the quick response and easy account management. The interface is clean, and even a new user can understand it without much difficulty. The verification and other required processes were also convenient. Customer support is helpful whenever there is any issue or confusi

★☆☆☆☆ vansh Malik · 1 Sep 2026 · v3.0.4

😡😡😡😡😡 Very disappointed with the service! Earlier, the loan approval process was fast and smooth, but now it is extremely slow. My application is taking unnecessarily long with no proper update. If you are unable to process applications quickly, at least provide a clear status instead of making customers wait endlessly. Please approve/process my loan application immediately and improve your service.

★☆☆☆☆ Yuvraj · 1 Sep 2026 · v3.0.4

there's nothing wrong with the app, it's their charges in interest fees i have used several apps and all of them have reasonable interest rates n tenures but this app is the most greedy app I've ever seen in my whole life even though I need money, i would rather get it from another app because they are highly unreasonable with their charges.. it's like regardless of how much time u r going to borrow, u will still end up paying 1.5x-2x of the amount u borrowed. can't imagine how RBI allow such

★★★★☆ Nanu Kigam · 1 Sep 2026 · v3.0.3

These apps are really good ,and I have been using them for quite some time. However one thing I would suggest is to provide a repayment schedule of 2 -3 months . Sometimes it becomes difficult to manage the repayment within a shorter period due to financial constraints .A longer repayment period would make it more convenient for users. Thank you

★☆☆☆☆ Pooja Raut · 31 Aug 2026 · v3.0.4

⭐ 1/5 Very disappointing experience. They do not provide clear or accurate information about the installment amount. After receiving the payment, they provide a lower amount than what was initially communicated. The terms and payment details should be explained honestly and transparently before taking any payment. I would not recommend this service.

★☆☆☆☆ Venith Marak · 31 Aug 2026 · v3.0.4

I am uninstalling this app. I have been paying loan on time and close and when I reapplied for loan it's being rejected. I emailed for company few days back but my messages are kept unheard. I have requested for the reason for rejection. But my messages aren't replied which shows clear indication of bad customer service provider.

★★★★★ Derhashar · 25 Aug 2026 · v3.0.3

PAYRUPIK seems like a good and reliable loan app, and I have a ₹30,000 credit limit. However, the only available tenure options are 61 days, which makes the monthly repayment very high. For example, borrowing ₹30,000 results in around ₹7,000 in interest/charges, with approximately ₹18,790 to be paid per month. This makes it difficult to actually use the full credit limit. Please consider adding longer repayment options such as 6, 9, or 12 months with reasonable interest rates.

Developer reply · 25 Aug 2026

Dear customer, hope you are safe and doing well. Based on your review we cannot find what went wrong. We regret the inconvenience caused as we are unable to fetch your details. Please send us the same to service@payrupikloan.in with your registered mobile no. So that we can resolve your issue at the earliest.

★☆☆☆☆ Mohammed Irfan · 21 Aug 2026 · v3.0.3

Applied for a loan yesterday and not credited to my bank account but they send the notice and repayment details with higher interests beforehand. It is showing transferring the amount and it's stuck, I tried calling customer care and a lady answered she said it'll be rectified today itself but no use, now they're not responding and requested a call back also still nobody called, the app and their team is very irresponsible. I don't need the loan anymore it was for yesterday. I'm not interested

Developer reply · 22 Aug 2026

Dear customer, hope you are safe and doing well. Based on your review we cannot find what went wrong. We regret the inconvenience caused as we are unable to fetch your details. Please send us the same to service@payrupikloan.in with your registered mobile no. So that we can resolve your issue at the earliest.

★☆☆☆☆ Paul Suman · 17 Aug 2026 · v3.0.2

Extremely Disappointing & Expensive Loan App One of the worst loan apps I’ve used. The loan is structured for roughly 2 months, which can make the high interest/overall cost easy to overlook. ₹94,000 was credited to me, but I had to repay around ₹1,17,000. Even early repayment didn’t meaningfully reduce the amount in my experience. Please calculate the total repayment before accepting. Use this app only if you have absolutely no other option.

Developer reply · 20 Aug 2026

Dear customer, hope you are safe and doing well. Based on your review we cannot find what went wrong. We regret the inconvenience caused as we are unable to fetch your details. Please send us the same to service@payrupikloan.in with your registered mobile no. So that we can resolve your issue at the earliest.

★★★★★ Shashank Vn · 11 Aug 2026 · v3.0.2

Best apps in loan. Been using this app for the last 4 months. From applying loan to getting the funds in my account was very smoothly done 3 months have passed, 4 months have passed, direct deposit is working, money has not been credited to the account, I have been talking to the company for four months, can they tell me what is the problem with my money not being credited?

★☆☆☆☆ sr babu · 6 Aug 2026 · v3.0.2

🚫 very bad🚫 I took a loan with a 3 month EMI option but repaid the entire amount within just one month. I have a 100% on-time repayment history with zero late payments. After repayment, the app showed that my credit limit had increased, creating the impression that I was eligible for another loan. However, when I applied again, it simply said "You are not eligible." This is misleading and creates false expectations. The app also charges very high interest rates, and despite repaying loan

★☆☆☆☆ Khushboo · 2 Aug 2026 · v3.0.2

Complete fraud app. They collect all your documentation but don't actually provide the loan. Even worse — when you try to delete your account, the OTP never arrives, and after a few tries it just says "too many attempts". Feels like this is intentional so you can't delete your account or data. Extremely unsafe app, seems designed only to harvest personal documents. Stay away, uninstall immediately.

Developer reply · 24 Aug 2026

Dear customer, hope you are safe and doing well. Based on your review we cannot find what went wrong. We regret the inconvenience caused as we are unable to fetch your details. Please send us the same to service@payrupikloan.in with your registered mobile no. So that we can resolve your issue at the earliest.