Moneyview Personal Loan

Moneyview publishes 14% to 36% a year. The rate you're offered depends on your credit score, income and the lender's own checks, and is usually above the starting rate.

2% to 8% of the approved loan amount, deducted from the loan at disbursal; Moneyview doesn't say whether GST is added. GST at 18% is added to the fee.

Moneyview is a lending app; it doesn't list its partner lenders on its website. RBI rules require the Key Fact Statement to name the bank or NBFC that gives the loan, so check it before you sign.

The Moneyview app is listed in RBI's directory of digital lending apps, as reported by Whizdm Finance Private Limited. The directory shows what lenders report; RBI doesn't vouch for the app. The app itself isn't a lender; the bank or NBFC behind it is regulated by RBI.

Closing early: No charge, but only after a lock-in: not allowed on loans of up to 6 months, allowed after 6 EMIs on 7–18 month loans and after 12 EMIs on longer ones. Moneyview also mentions a shorter 3-EMI minimum, so check the Key Fact Statement. Part-prepayment: Not allowed.

Salaried and self-employed applicants. Minimum income ₹25,000 a month. Age: 21–57 years. Approval is at the lender's discretion.

Over 12 months at the lowest published rate, about ₹17,185 in interest and fees (a 8% processing fee plus GST); at the highest published rate, about ₹29,995. Your EMI depends on the rate you're offered.