When I was in need of quick funds, I tried KreditBee to gain some credit, and yes, with the app interface being slick enough, it delivered funds fast. But that’s where the convenience ends. Miss one EMI deadline and you’re hit with harsh phone harassment, threats to contact your family, and zero flexibility. Hidden fees and confusing repayment terms pop up mid-process. A handful of users praised the fast approval mechanism, but the overwhelming negative sentiment is real, there are too many stories of abusive behaviour and opaque policies. If you value speed over peace of mind, maybe, but for most, it’s a high-risk ride with a poor finish.