In the world of instant loan apps, “quick approval” and “money in minutes” sound like magic words, especially when you’re short on cash. One such name doing the rounds lately is the CrediHisab app.
At first glance, it looks polished: a clean interface, smooth signup, and promises of quick loans using your PAN and Aadhaar.
But dig a little deeper, and the shine fades quickly.
Across complaint boards, social media, and app reviews, users are warning others that CrediHisab may not be as safe or trustworthy as it looks.
CrediHisab Review
Many users say they downloaded the app, uploaded their documents, and then… nothing.
Either they never received the loan, or worse, loans were allegedly issued in their name without consent.
Some people also say they started receiving aggressive calls and messages asking for repayments on loans they never took.
Others report that after giving permissions, the app accessed their contacts and photo gallery, later using that data to threaten or embarrass them if they didn’t pay up.
These kinds of complaints aren’t isolated. They’re part of a larger pattern India has seen in the last few years, fraud loan apps exploiting users’ financial stress and trust in digital technology.
Is CrediHisab Safe or a Scam?
The big question: Is the CrediHisab app registered or linked with any RBI-approved lender?
As of now, there’s no record of CrediHisab being registered with the Reserve Bank of India or partnered with any licensed Non-Banking Financial Company (NBFC).
That’s a huge red flag.
A legitimate loan app in India must:
- Clearly display its NBFC or bank partner
- Mention interest rates, repayment tenure, and processing fees
- Have a proper privacy policy and official support channels
- Be listed under RBI’s verified digital lending guidelines
Since none of these are publicly verified for CrediHisab, using it could put both your money and personal data at risk.
CrediHisab Scam: Red Flags
Here’s what users and cyber crime forums have flagged about CrediHisab and similar apps:
- Data Theft: By giving access to your contacts or gallery, you’re letting the app collect personal info that can be misused for blackmail or harassment.
- Fake or Unauthorized Loans: Some users claim loans were disbursed in their names without consent.
- Harassment Calls: Victims report abusive calls and messages sent to their friends and family.
- Hidden Fees & Charges: No clear loan agreement, but heavy deductions and inflated repayment demands.
- Credit Score Damage: Fraudulent loans under your PAN can ruin your CIBIL score and cause long-term financial harm.
These are not normal loan-app problems; they’re signs of a digital scam.
How to Protect Yourself from Fake Loan Apps?
If you’re ever tempted to try apps like CrediHisab, keep these safety steps in mind:
- Verify RBI Registration: Visit the RBI’s website and check if the app’s NBFC partner is listed.
- Don’t Share Sensitive Info: Avoid uploading Aadhaar, PAN, or selfies unless you trust the source.
- Review Permissions: No genuine lender needs access to your photo gallery or contacts.
- Read Recent Reviews: The most honest stories are often buried in the one-star section of Play Store reviews.
- Use Trusted Apps Only: Stick with well-known, RBI-regulated lenders like KreditBee, PaySense, CASHe, LazyPay, or Paytm Postpaid.
How to Complaint Against Online Loan App?
If you’ve already used CrediHisab and suspect fraud or harassment, then report loan frauds in India:
- File an online complaint in cyber crime.
- Inform your bank to block suspicious transactions or UPI activity.
- Change passwords for your email and banking apps.
- File a complaint with your local cyber police and keep all proof: screenshots, call logs, and messages.
- Contact the RBI Ombudsman if an NBFC name was misused.
Remember: these steps help not just you, but others who might fall into the same trap.
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Register with us, and we will guide you through the process to report a complaint and further escalate it, if required.
Conclusion
The rise of apps like the CrediHisab app shows how easily digital lending can turn into digital exploitation. A few taps for “instant cash” might end up exposing your data, your contacts, and your peace of mind.
The truth is simple: no genuine lender will ever threaten, shame, or harass you for repayment. And no legitimate app will ever need access to your gallery or phonebook.
So next time you see a flashy ad promising “loan in 5 minutes,” pause, verify, and choose wisely. Because when it comes to online loans in India, your safety should always come before speed.
