top of page
Search

True Balance Loan App Review 2025 | Instant Personal Loans in Minutes

  • Writer: Abhinand PS
    Abhinand PS
  • May 28
  • 3 min read

✅ True Balance Review (2025): Is This Instant Loan App Worth It?

In today's fast-paced world, financial emergencies can strike without warning. From unexpected hospital bills to urgent travel needs, sometimes you just need a quick, hassle-free loan. That’s where True Balance comes into play—a mobile app offering instant personal loans with minimal paperwork and maximum speed.



Smiling person holds a phone displaying the True Balance app. Text offers loans up to ₹2 Lakh. Background in shades of red and orange.

Whether you're a salaried employee, gig worker, or self-employed, read on for everything you need to know about this app—from its features to real user experiences.

📱 What is True Balance?

True Balance is a fintech app by Balancehero India, which also operates as an RBI-registered NBFC named True Credits Pvt Ltd. It started as a prepaid mobile balance checking tool but evolved into a full-fledged financial platform offering:

  • Instant personal loans

  • Insurance services

  • Mobile & utility recharges

  • Credit line options

Keywords: true balance app review, instant loan India, RBI approved loan app

🌟 Why Is True Balance So Popular?

With over 75 million app downloads and a rating above 4.2 stars on the Google Play Store, True Balance stands out in the crowded fintech space. Here's why:

Key Features:

  • 💸 Loan amount from ₹1,000 to ₹50,000

  • 🕒 Disbursal in under 10 minutes

  • 📲 100% digital KYC with PAN and Aadhaar

  • 🔄 Flexible repayment tenure: 3–12 months

  • 🔐 Safe & secure under RBI compliance

Keywords: best loan app India, quick loan app, safe loan apps India

📊 True Balance Loan Summary Table

Feature

Description

Loan Amount

₹1,000 – ₹50,000

Tenure

3 to 12 months

Interest Rate

Starts at 2.4% per month

Processing Time

Within 10–15 minutes after approval

Eligibility Criteria

Indian citizen, age 21+, PAN & Aadhaar required

Application Platform

Android App Only (Google Play Store)

🧠 Real User Experience: A Life-Saver for Many

Meet Rakesh, a food delivery rider in Bengaluru. One evening, he needed ₹5,000 for a medical emergency. He found True Balance, uploaded his Aadhaar and PAN, and within 8 minutes, his bank account was credited.

“I didn't have to borrow from friends or fall into a moneylender trap. True Balance gave me a lifeline.”

Keywords: emergency loan India, loan without guarantor, app-based loan success story

🔧 How to Apply for a Loan on True Balance

Step-by-Step Guide:

  1. Download the App from Google Play:👉 True Balance Loan App

  2. Sign Up with your mobile number

  3. Complete e-KYC using PAN, Aadhaar, and a selfie

  4. Enter income details (salaried or self-employed)

  5. Choose your loan amount & tenure

  6. Accept offer and receive funds directly in your bank

Pro Tips:

  • Apply during business hours for faster processing

  • Maintain a good credit score (650+ CIBIL preferred)

  • Ensure document clarity for instant verification

Keywords: apply for true balance loan, digital loan steps, loan approval tips

🧾 Charges & Transparency

Unlike shady payday loan apps, True Balance maintains transparency about its charges.

Sample Loan Breakdown (For ₹10,000):

  • Interest: ~₹240/month

  • Processing Fee: ₹200–₹500 (depending on credit profile)

  • Repayment: EMI-based, through UPI or auto-debit

Always read the loan agreement carefully before accepting.

Keywords: loan charges India, transparent loan app, EMI app loan

🔗 Helpful Resources

Internal Links:

External Links:

❓ True Balance FAQs

Q1. Is True Balance a legit loan provider?Yes, it's operated by True Credits Pvt Ltd, an RBI-licensed NBFC.

Q2. What is the loan approval time?Usually under 15 minutes if all documents are valid and clear.

Q3. Is CIBIL score mandatory?Not strictly, but a higher credit score improves chances and loan terms.

Q4. Can I repay early?Yes, early repayment is allowed. Some pre-closure charges may apply—check terms.

Q5. Is the loan available on iPhone?Currently, it’s available only for Android users on the Play Store.

🧭 Final Verdict: Should You Use True Balance?

If you're in urgent need of money, True Balance is a fast, transparent, and user-friendly option—ideal for salaried employees, gig workers, and self-employed individuals.

✅ Pros:

  • Quick loan approval and disbursal

  • Minimal documentation

  • Transparent charges

❌ Cons:

  • Android only

  • Interest can be high for some users

📲 Ready to Apply?

Hello Friend, Are you in urgent need of money? Quick loan for you in minutes from True Balance!👉 Apply Now

 
 
 

Comments

bottom of page