• Smartcoin Personal Loan

    SmartCoin is an app-based lending platform that provides personal loans to support executives, business owners, salaried professionals, and more. They’re focused on distributing instant personal loans to individuals from the middle to lower-income segments. Till now, SmartCoin has disbursed more than 300,000 loans to its 100,000+ users.

    The app is designed with algorithms that can assess your profile and determine the risk factor before disbursing the loan. It leverages machine learning and real-time data science for assessment.

    Interest rate APR from 30% p.a. to 36% p.a.
    Loan amount Rs.1,000 to Rs.25,000
    Tenure 3 to 4 months

    How does it work?

    SmartCoin helps you access finances easily without any collateral. To get a loan through this platform, you will have to download and install the mobile app from Google Play Store. Log in with your preferred social media account like Google or Facebook. You will have to register yourself by entering your personal and work-related details.

    Then you will have to upload certain documents for identity verification. Once your risk profile is assessed by the app, you will have the option of choosing various loans. You will have access to a list of loans and you can choose the one that matches your requirements.

    Post application, the amount you applied for will be credited to your bank account in a few hours.

    Listed below are the quick loans you can apply for:

    How to apply

    Download the SmartCoin Loan App and register with your preferred social media account.


    You will be asked to submit several documents like identity proof so SmartCoin can evaluate your risk profile.

    Features and benefits

    It’s not always feasible to dip into your savings. If there’s a medical emergency or you need money to clear off unexpected bills, you need access to an instant loan. Here’s where SmartCoin can assist you.

    For starters, you can borrow a personal loan as low as Rs.1,000 or as high as Rs.25,000. The process of getting a loan on SmartCoin is just a few clicks away. This is a completely digital and paperless process, where your documents can be uploaded directly to the app. You don’t have to manually fill out any forms or visit a financial institution.

    Once your profile is evaluated and you’ve selected your type of loan, the approval process is instant. The amount you’ve chosen will then get credited directly to your bank account.

    As far as the repayment is concerned, you can clear your dues anytime during the loan duration. You won’t be charged any pre-payment penalties either.

    Besides the benefits of getting a loan on SmartCoin, there are some interesting features as well. If you borrowed money in the past, you can view the history. You can also check all the transactions you’ve made on the app itself.

    SmartCoin customer care and contact details

    Business Name SmartCoin
    Official Mail Id contact@smartcoin.co.in
    Web Address smartcoin.co.in


    1. How long does it take for the loan amount to be disbursed?

    Once your loan is approved, you can expect the money to be credited to your bank account within two business days.

    2. Can I apply for a loan on SmartCoin on their website?

    No. You will have to download and install the SmartCoin mobile app from Google Play Store. Once you’ve done this, you will have to register your profile on the app. You can sign in with your Facebook or Google account.

    3. Do I have to redo the entire application process to get another instant loan?

    No. Once you have filled all the required information and uploaded the documents, you don’t have to redo the process. You can get loans in just a few minutes.

    4. How can I apply for a higher loan amount?

    SmartCoin will increase your limit if you maintain a good financial record and pay your dues on time. Once you have built your trust and displayed responsible behavior, you will be considered as a responsible borrower.

    5. Is the SmartCoin app available on iPhones?

    No. Currently this app is only available on Android phones.


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