If you’ve ever searched for an app that helps you “improve your credit score” or “budget smarter,” chances are you’ve seen NayaCred popping up in recommendations or ads.
It promises instant credit insights and financial guidance, but behind that polished logo, something doesn’t quite add up.
But can you trust such platforms?
Well, it depends on its operations. So, before you land up on the platform, check whether NayaCred is real or fake.
NayaCred App
NayaCred is a finance-based app that claims to help users manage their credit profile, check credit insights, and plan budgets.
It looks sleek and professional at first glance but looks can be misleading, especially in the world of online finance apps.
Basically, it positions itself as a CRED-like app, claiming to simplify money management.
But when you check deeper, there’s a gap between what it claims and what’s actually true.
According to its description and website, NayaCred says it offers:
- “Smart financial insights”
- “Credit score management”
- “Expense tracking and budgeting”
- “Instant loan or credit offers”
Is NayaCred App Safe?
NayaCred appears to be fake or at least unsafe.
Here’s why:
- It was removed from Google Play Store.
According to AppBrain, the app was unpublished in October 2025, which means it’s no longer available officially.
This usually happens when an app violates Google’s policies or faces user complaints. - No verified RBI or NBFC registration.
Any app that offers loans or handles credit data in India must be backed by an RBI-approved NBFC.
NayaCred has no record or registration number with the RBI. - Developer transparency is missing.
They have no verified corporate presence, no LinkedIn page, no founder details, and no proof of credibility. - No independent verification of their credit tools.
There’s no mention of official partnerships with CIBIL, Experian, or CRIF, which are required for real credit report access.
So, despite all its fancy marketing, NayaCred doesn’t check any box that proves it’s a real financial platform.
NayaCred User Complaints
The App does not exist in the Google Play Store, but there are many users who marked this platform as fraudulent.
However, on some discussion threads and scam-reporting sites, users mentioned:
- Receiving fake loan approval messages after signing up.
- Being asked for unnecessary permissions like access to contacts, photos, and SMS.
- Data misuse concerns, where users got spam calls after sharing personal info.
- No working customer support or complaint channel.
How to Report NayaCred App?
If you think you’ve been scammed or your data misused by such an app:
- Report on RBI’s Sachet Portal
- File a complaint Cyber Crime.
- Flag the app (if still listed) on Google Play Store
- Contact your local cyber police if you receive harassment or repayment threats.
Need Help?
Are you currently facing harassment from a fake app and need guidance on filing a police report, securing your phone, or managing the crisis?
Conclusion
Based on all the evidence, NayaCred appears fake or highly unsafe.
It has no RBI approval, no verified developer, no reviews, and it’s already been removed from the Play Store.
Stay alert, protect your personal data, and always double-check before trusting any finance app that promises “instant credit” or “quick cash.”
When it comes to your money and privacy, better safe than sorry.
