The rise of digital lending in India has made loans more accessible — but also more dangerous.
Every day, thousands receive loan offers via SMS, WhatsApp, or unknown apps that promise instant approval, zero paperwork, and no CIBIL check.
Sounds tempting — but are they real?
Let Vizzve Finance help you spot the red flags and stay safe in 2025.
6 Warning Signs a Loan Offer Might Be Fake
1. No Credit Check or Documents Required
If they promise large loans without checking your credit or documents — it's a big red flag.
2. High Upfront Fees or "Registration Charges"
Real lenders deduct charges from your disbursed loan — they don’t ask you to pay ₹500–₹5000 upfront before approval.
3. Unverified Apps or Websites
If the app isn't on Google Play Store or doesn’t have a legit website, avoid it.
🛡️ Tip from Vizzve: Always verify apps with RBI’s list of regulated NBFCs or partner lenders.
4. Too-Good-to-Be-True Offers
Instant ₹5 lakh loan for everyone? No interest for 1 year? These are usually bait for fraud.
5. Pressure Tactics
Scammers will say: “Offer valid for 1 hour only.” Genuine lenders give you time to review terms.
6. Poor Grammar, Generic Emails or WhatsApp Messages
Messages like “U R Pre Approoved 10L Loan Click Now” are clear signs of fraud.
How to Verify a Genuine Loan Offer
| Check | What to Look For |
|---|---|
| RBI Registration | Is the lender an RBI-licensed NBFC or bank? |
| Official Communication | Are emails from verified domains (e.g., @vizzve.in)? |
| Website/App | Is it secure (HTTPS)? Are reviews positive? |
| No Upfront Fees | Legitimate lenders never demand money before sanction |
| Customer Support | Is there a toll-free number and real customer care? |
How Vizzve Finance Keeps You Safe
Partnered only with verified NBFCs & banks
No upfront payment ever before approval
End-to-end encryption for your personal data
Loan tracking with real-time status notifications
FAQs
Q1: Is it safe to apply for loans via WhatsApp links?
No. Apply only through verified apps or websites.
Q2: Can I trust social media loan ads?
Only if they lead to official brand accounts and verified platforms.
Q3: I already paid fees to a fake lender. What should I do?
Report immediately to cybercrime.gov.in and lodge a police complaint
Published on : 22nd July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.