SmartCoin Instant Personal Loan: Interest Rates, Eligibility, How to Apply

In this post we will talk about SmartCoin Loan. Everyone needs a loan at some point or the other. If our credit score is bad then we find it difficult to get loan from a good bank. There are many loan apps out there that offer loans even on low credit scores and today we are talking about one such loan app SmartCoin. One such digital platform which is giving you loan sitting at home, and you can apply for loan from your mobile. Here we are giving you all the information related to Smartcoin Loan. Like how to apply for loan, how much loan can be availed, loan interest rate, what is the eligibility criteria to take loan, how to calculate loan EMI, etc.

What is SmartCoin?

SmartCoin is a mobile app that offers instant personal loans to its borrowers with a tenure of 91 days to 270 days from Rs 4,000 to 70000 with an interest rate of 20% to 36%. It is the fastest online loan platform in India. It gives businessmen and salaried individuals quick access to funds offered by RBI approved NBFc. It has a completely paperless and digital KYC process. Whenever your loan is approved the loan amount will be transferred to your savings bank account in just 5 minutes. This app gives instant loan with minimum documentation without any guarantor security and offers reasonable installment plans.

How much loan amount can we get from SmartCoin?

The loan amount depends on your monthly income and credit score. If you want to take a loan from the company “SmartCoin Instant Personal Loan App”, then let me tell you that you can get loan from Rs 4000 to Rs 70000 from this company. If you have good income, good credit score then you are eligible for maximum loan. This loan is transferred to your bank account within 5 minutes.

Key Features of SmartCoin Loan App:

  • You can get a personal loan anytime from your mobile phone.
  • Android users can download this mobile application from Play Store.
  • There is no need to fill any form and documents.
  • Loans can be taken for any personal needs like travel, studies, purchase of products, home repairs etc.
  • The loan is transferred to your bank account within 5 minutes.
  • Repeat loan facility is also available.
  • You do not need any guarantor.
  • Take a Loan at Your Convenience – Transfer an instant loan online to your bank account anytime, anywhere with just a few clicks.
  • Completely Online Process: Apply in 5 Minutes, Transfer Money to Your Bank Account in Few Clicks!

What is the loan repayment tenure of SmartCoin instant personal loan app?

If you are also thinking of taking a loan from the SmartCoin app, then it is also important for you to know when and how to repay the loan. How much time do we get to repay the loan? It is very important to know these things. The longer we repay the loan, the more we have to pay interest on the loan. For this, before taking a loan, it is important to know how much time is available to repay the loan. The repayment tenure of SmartCoin Loan app ranges from 62 days to 1 year. You have to repay the loan within this time.

What are the documents required to take loan in SmartCoin?

You will be asked to submit a number of documents such as proof of identity so that SmartCoin can assess your risk profile.

  • Pan card
  • Any ID Proof like Aadhar Card, Voter ID, Passport or Driving License.
  • Bank statement describing salary or income for the last three months.
  • Canceled check of equal pay bank account of the bank.

What is the SmartCoin eligibility criteria to apply for a loan?

  • Any working professional like chartered accountant, lawyer and doctor or salaried individual is eligible for a personal loan in Smartcoin.
  • Even if you are self employed you can join.
  • The age of the person should be more than 21 years.
  • Applicant must be a citizen of India.
  • Minimum monthly income should be Rs 20,000.

How to get Personal Loan with SmartCoin?

  • For Android users, download the mobile application directly from the Play Store or visit the official website and download it from there.
  • Fill a registration form with all your personal and business details.
  • Upload the required documents like identity proof, address proof and PAN card for income verification.
  • Fill your bank account details to which you want to transfer your loan amount.
  • Now, one can select the type and amount of loan options available.
  • Apply for the loan you wish to take.
  • It will take only a few minutes to apply and the process will be completed very easily.

How to Repay SmartCoin Loan?

As far as repayment is concerned, you can repay your dues anytime during the loan tenure. You will also not be charged any prepayment penalty.

There are many types of loans available on SmartCoin, you can apply in any of the below mentioned types:

  • Medical loan
  • Loan For EMI Repayment
  • Loan for utility bills
  • Instant online loan
  • Early salary loan
  • Travel loan
  • Small business loan
  • Car/bike loan

SmartCoin Customer Care Number

In case of any kind of problem or to know the answer of the question in your mind, you can send mail to the given email id or call on the number.

Email 1 :
Email 2 :
Phone No : +91 9148380504

SmartCoin Personal Loan Questions and Answers (FAQs)

How to contact SmartCoin customer care?

You can contact on his phone number +91 9148380504.

Why OTP is not coming on my mobile to complete the registration?

It can happen for many reasons. Before trying to call for OTP again, please be sure to check the following:
First note whether you have entered the correct mobile number? If you have entered an inactive or incorrect phone number by mistake, you can use the “Change Number” button to update the number and resend the OTP.

It may also happen that your active SIM card is being used in another phone, if yes, please check the messages folder to find the OTP sent by SmartCoin.

If none of the above is applicable then the problem could be caused by your network carrier or our SMS sender not connecting to the network. Because of this, you may not receive an OTP immediately. In such cases, we request you to wait for sometime and try to send the OTP to your mobile number again. You can also click on “Receive OTP on Call” button to receive IVR call with your OTP.

Can I send my KYC documents by e-mail? How long will this take?

No, KYC documents cannot be sent over email. Please complete the KYC process from within the SmartCoin app.

How is my eligibility and loan amount limit decided?

Your eligibility and limits are decided by SmartCoin. SmartCoin assigns a score to the lender. The score takes into account various information about the borrower such as financial profile, social networks, credit score. As we repay our loan on time, our score increases.

Q: Why choose SmartCoin loan app?

Answer: This app is considered good for borrowers due to the following reasons :-

  • It provides loan from 4000 to 70000 rupees.
  • The interest rate is in the lower range.
  • There is no need to provide a lot of documents.
  • Loan repayment tenure is available from 91 days to 1 year.
  • The loan is approved instantly.
  • It takes very less time to transfer money to your bank account.
  • The application is online, no need to go anywhere.

Question: What details are required for registration?

Q: You will need the following information to register and calculate the best loan for you:

  • Your full name
  • Active phone number
  • Date of birth proof
  • Present residential address and pincode
  • Employment status
  • Monthly income
  • Pan card number

Question: Which KYC documents are required to apply for the loan?

Answer : You will have to provide the following documents at the time of loan application:-

  • ID Proof – Aadhar card (front and back) or your PAN card
  • Proof of current address – Aadhar card (front and back) or utility bills like gas, electricity etc. Please ensure that your address is clearly visible.
  • Selfie photo
  • Bank check leaf or IFSC code for your bank branch.

Question: Which documents can be used for proof of present address?

Answer: You can provide any of the following documents as a valid address proof:

  • Aadhar card
  • Utility bills – Electricity / landline phone / gas bills – should not be more than 2 months old. Please ensure that your address and LPG ID or consumer number are clearly visible.

Full details of SmartCoin have been told in this post. What is the interest rate of SmartCoin personal loan? What are the documents required for SmartCoin personal loan? What is the eligibility for SmartCoin personal loan? How to apply for SmartCoin personal loan? What is the customer number of SmartCoin personal loan? Everything is explained in detail.

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