Bajaj Finserv vs PayRupik Instant Personal Loan: which loan app is safer
Bajaj Finserv replies to 99% of unhappy reviews on Google Play, PayRupik Instant Personal Loan to 30%. Both can read your SMS. PayRupik Instant Personal Loan does not read your contacts; Bajaj Finserv does. The most serious complaint about Bajaj Finserv is "Credit report problems"; about PayRupik Instant Personal Loan, "Costs more than advertised".
| Bajaj Finserv | PayRupik Instant Personal Loan | |
|---|---|---|
| Most serious thing people report | Credit report problems (5 of 400) | Costs more than advertised (29 of 400) |
| Does anyone answer complaints | 99% of low-star reviews · usually same day | 30% of low-star reviews · usually same day |
| Rating in the last 90 days | 3.16 (down 1.58 on lifetime) | 3.25 (down 1.26 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | yes |
| Reads your contacts | yes | no |
| Shows ads | yes | no |
| Numbers confirmed on a register | 1 of 6 | none published |
| Charges we could source | 2 quoted | not extracted yet |
| Charges only in the terms | 2 | not extracted yet |
How to read this
Every row comes from a public source: the app store listings, the reviews people left there, and the registers kept by RBI, SEBI and IRDAI. Where a row says "Not known", we have not measured it yet, which is different from the answer being no. Qrates takes no commission from either app.
Full pages: Bajaj Finserv · PayRupik Instant Personal Loan