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Smart Coin

SmartCoin Personal Loan


Max Tenure

2 - 12 months

Best Rate


Processing Fee


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Overview SmartCoin Personal Loan

SmartCoin is an app-based lender that offers short-term personal loans to individuals primarily belonging to the middle and lower-income groups. The app is based on a patented algorithm that allows users to easily access the lending risk before availing of an instant personal loan. SmartCoin has a seamless online application process and once an applicant gets approval for the loan, the funds are directly transferred to his/her account.

Smart Coin loans – what are the features?

Here are some of the top features of Smart Coin loans that make them unique for first-time applicants:

  • Loan amount – Rs. 1,000 to Rs. 25,000
  • Interest rate - 20 – 36% APR
  • Processing fees – Nil
  • Loan tenure - 91 - 120 days

Smart Coin personal loan – what are the benefits

Some of the key benefits offered by Smart Coin personal loans are:

  • Collateral free: When an applicant applies for a loan from SmartCoin, he/she does not need to provide any collateral for securing the personal loan. Therefore, it is easier for a borrower to get a loan without arranging an asset to provide as collateral.
  • Easy process for repeat loans: When an applicant submits required documents to SmartCoin for a personal loan, he/she does not have to submit any additional documents for availing of loans in the future. Thus, it allows one to easily access repeat loans when required in the future.
  • Easy processing: SmartCoin offers a seamless process for applying for instant personal loans through the app. The lender also requires minimal documentation which eases the unwanted hassle that an applicant may have to go through otherwise.
  • Direct transfer of funds: After the instant loan is approved by SmartCoin, the funds are directly transferred into the borrower’s bank account within a matter of a few minutes. Therefore, one can rely on this loan during financial emergencies.

How to use the Smart Coin app?

Here are the easy to follow steps for using the Smart Coin app:

  • Download and install the Smart Coin app on a smartphone.
  • Users can log in to the app through his/her Google or Facebook account.
  • The user must then fill a loan application form through the app.
  • One must then upload the required documents to proceed with the loan application.
  • The user then receives funds directly into his/her account after approval of the loan application.

Smart Coin loan – what are the eligibility criteria

Mentioned below are the eligibility criteria that applicants must meet for availing of Smart Coin loans:

  • The minimum age of an applicant should be 23 years.
  • The applicant must be an Indian resident.
  • Salaried individuals, those owning a business and also support executives can apply for this loan.
  • An applicant’s minimum monthly income should be Rs. 15,000.

Smart Coin personal loan - documents required

Some of the documents required for Smart Coin personal loans are:

  • Bank statement
  • PAN card
  • Address Proof
  • Selfie of applicant

Smart Coin loan – know the EMI calculations

Before applying for a personal loan from Smart Coin, an applicant must make use of the EMI calculator to understand the monthly instalments and the total loan amount of the personal loan. This is a free tool that is very easy to use. It requires a user to enter certain details like:

  • the loan amount, 
  • interest rate, 
  • preferred repayment tenure

For instance, suppose an applicant applies for a personal loan of Rs. 25,000 from SmartCoin. The applicable interest rate is 20% p.a. for 4 months. The EMI calculator will therefore require the below details to fetch the EMI numbers that are mentioned in the table below:

  • Loan amount – Rs. 25,000
  • Interest Rate - 20% P.A.
  • Tenure - 4 months







Rs 6,096

Rs 417


Rs 18,904


Rs 6,198

Rs 315


Rs 12,707


Rs 6,301

Rs 212


Rs 6,406


Rs 6,406

Rs 107


Rs 0


Borrowers who face any issues while looking for the best available loan offers have queries on the loan application process, or any other loan-related query can reach out to SmartCoin using the lender’s helpline number. Borrowers can also get a resolution by dropping an email to -

For any assistance regarding the loan repayments, borrowers can send an email at

FAQS Of SmartCoin Personal Loan:

1. What is the SmartCoin app?

SmartCoin app is a personal loan provider that offers instant loans to cater to the urgent financial needs of people in India. It specifically caters to the lower- and middle-income groups who may face financial crunch during their lifetime.

2. How can I get a loan from SMaRT coin?

To avail of a loan from Smart Coin, one can download the lender’s app on their smartphone and follow the easy application process involving minimal documentation.

3. How do I use the SMaRT coin app?

To use the Smart Coin app, users can download and install the app on their smartphone. The app involves easy to follow steps for loan applications with very little documentation.

4. How can I know about the Smart coin loan review?

You can learn about Smart coin loan reviews by looking up the lender’s website where customers post their testimonials.

5. Where can I know about Smart coin app details?

To know about the Smart coin app details, you can visit the lender’s website where all the information pertaining to the app and loan services are provided.

6. What is the Smart coin customer care number?

Customers can reach out to the Smart coin customer care number at 9148380504. Alternatively, customers can also write their queries and send them to

7. How do I change my bank details on my SmartCoin app?

To change the bank details on the SmartCoin app, you can visit the bank details section on the app and easily modify it with the latest details.

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