Never take loan from this app. I was using since last 1year. But due to circumstances, I was not able to pay EMI. Their bounce charges are very high. They were torching me through call & no any help from their customer care. One message I got from their recovery agent - "If I will not received your payment today before 3pm I will call your references for the payment Will call your family members neighbours Wait and watch Are you thinking I am mad I will tell you who i am Be on your words otherwise i am going to harmful for you"