The charge huge interest for 7 to 15 days on giving a loan for 4000 INR they charge 5000 INR for 7 days. The late payment penalty on such amount is on daily basis and quite higer. They pays you even if you have bad cibil score. They have the worst recovery process and they call your reference number and hack your FB profile asking your friends and relatives to make payment on your behalf if you delay their payment by 1 day. They threat on call that people will come for recovery and will take your personal belongings from your home if you fail to pay the loan amount, they threat to file a FIR with the local police station if you delay in making the payment. I recommend using this app only if your in dier need of money.