About Us

Founded in 2016, SmartCoin Financials Pvt. Ltd. is an app-based consumer lending platform. We partner with RBI-registered NBFCs to offer instant personal loans to self-employed and salaried individuals. With a vision to address the concerns of the vast underbanked in India, we are evolving from a micro-lending platform to providing a full suite of offerings, including gold savings, insurance, among others.

With SmartCoin, you can get loans from ₹1,000 to ₹1,00,000 within a tenure of 2 to 12 Months at a minimum interest rate of 20% and maximum interest rate of 29.88%.

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Our Offerings

Instant Personal Loans

Get loans using 100% digital and safe process from your mobile within minutes of application.

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Gold Rewards

Earn rewards in gold by making timely loan repayments, referring friends and more.

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Gold Savings

Save regularly with as low as ₹10 on 24K, 99.9% pure digital gold to grow your savings.

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Credit Score

Check your Credit Bureau Score for free to stay financially disciplined.

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Reach and Scale

Pan-India Presence

1.11+ cr

Trusted Users

1,700+ cr

Loan Amount Disbursed

Hear it from happy customers across India

Seemanta Sarkar

Being able to write something about this app is really an honour. Trust me when I say that this is not a paid review. In a world full of confusing, fake players, SmartCoin has really met my expectations. Transfer on time, less rate of interest, step-by-step guides all add to the great experience.

Aviral Pandey

Outstanding loan application, customer support, and interest rates. The app is easy to use and does not come with any additional fees. The loan limit is automatically adjusted depending on your credit score after a successful initial loan. The app is convenient and simple to use. Get a quick loan with few documents, excellent customer service, and quick loan approval.

Rejuan Mondal

When my family underwent undue financial stress and I was in urgent need of a loan, I found banks and most lending platforms to be of little help. Once I started using the SmartCoin app, there has been no looking back. I get my necessary credit and incur less interest on the platform. I was quite pleased with how quickly this application’s features operated.

Gopinath Chopra

Excellent app, excellent service, and cheap interest rates on larger loans. Simple to use. There are no hidden fees or additional fees. Following the successful completion of the first loan, they automatically raise the loan limit based on your credit score. The SmartCoin software is quite user-friendly. This program is simple to use. Get a quick loan and get it approved with little paperwork. The customer service is also excellent. Thanks, SmartCoin.

Mangesh Ram

Great finance solution for unforeseen costs. It is a friend in need. The app is user-friendly, with little paperwork, and quick payment. The platform helped me out of quite a difficult situation. I really appreciate it.

SmartCoin in the news

Bringing you the best of lessons, stories and trends in Fintech

Why NBFCs are a better option for instant loans as compared to banks?

26 Sep 2022

Instant Personal loans are a great product that caters to the ever-increasing demand for liquidity and funds among individuals without foraying into the space of specialized loans such as auto or home loans, which come with specific guidelines on fund utilization

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The benefits of instant personal loans and why it’s getting popular day by day?

23 Aug 2022

Personal loans are widely available, require no collateral, and have low-interest rates. Furthermore, they are simple and quick to set up. You are free to use your loan money however you see fit.

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Maintaining your CIBIL score after taking out an instant loan

29 Aug 2022

The most well-known of the four credit information organizations licensed by the Reserve Bank of India is the Credit Information Bureau India Limited (CIBIL).

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Our Lending Partners