SmartCoin personal loan

SmartCoin Financials Pvt. Ltd. was established in 2016 as a user-friendly app-based lending platform. We collaborate with RBI-registered NBFCs to provide quick SmartCoin personal loan to both self-employed and salaried individuals. Our mission is to cater to the needs of the large underbanked population in India. We are expanding our services beyond micro-lending and offering a comprehensive range of solutions, such as gold savings and insurance, to address various financial needs.


  1. Instant Loan Approval:

    SmartCoin offers quick and hassle-free loan approval, enabling you to access funds when you need them the most.

  2. App-based Platform:

    Applying for a personal loan is convenient with the user-friendly SmartCoin app, allowing you to complete the entire process from the comfort of your smartphone.

  3. Flexible Loan Amounts:

    You can choose the loan amount that suits your requirements, giving you the flexibility to borrow as per your needs.

  4. Short-term Repayment Tenure:

    SmartCoin offers short-term repayment options, making it easier for you to manage the loan without long-term commitments.

  5. No Collateral Required:

    Personal loans from SmartCoin are unsecured, so you don’t need to provide any collateral or assets as security.

  6. Loan for Self-Employed and Salaried:

    Both self-employed individuals and salaried employees can apply for a personal loan with SmartCoin.


  1. Quick Access to Funds:

    SmartCoin ensures swift approval and disbursal of funds, helping you meet urgent financial needs without delays.

  2. No Credit History Required:

    Even if you have limited or no credit history, you can still be eligible for a personal loan from SmartCoin based on other criteria.

  3. Transparent Terms:

    SmartCoin maintains transparency in its loan terms and conditions, ensuring no hidden charges or surprises for borrowers.

  4. Credit Score Improvement:

    Responsible repayment of SmartCoin personal loans can help improve your credit score over time.

  5. Wide Acceptance :

    SmartCoin collaborates with multiple NBFCs, increasing the chances of loan approval and serving a broader range of customers.


  1. Financial Inclusion:

    Fayda Pay is committed to promoting financial inclusion in rural areas, and by offering Smart Coin Personal Loan services, we aim to provide access to credit for individuals who may have limited access to traditional banking services.

  2. Quick and Convenient:

    Our user-friendly platform ensures a seamless and quick loan application process. With Smart Coin Personal Loan, borrowers can get instant loan approval and access funds when they need them the most.

  3. No Collateral Needed:

    Smart Coin Personal Loan offered by Fayda Pay is unsecured, which means borrowers don’t need to pledge any collateral or assets to secure the loan.

  4. Flexible Loan Options:

    We understand that different individuals have unique financial needs. With Smart Coin Personal Loan, borrowers can choose from a range of flexible loan amounts and repayment tenures that suit their requirements.

  5. Transparent and Fair:

    At Fayda Pay, we believe in transparency and fairness. We maintain clear terms and conditions, ensuring borrowers understand all aspects of the loan without any hidden charges.

  6. Credit Score Building:

    Responsible repayment of Smart Coin Personal Loan can positively impact the borrower’s credit score, helping them build a stronger credit history for future financial endeavors.

  7. Professional Assistance:

    Our dedicated team at Fayda Pay is always ready to provide professional assistance and guidance throughout the loan application process, ensuring a smooth experience for our customers.


Smart Coin Personal Loan is an app-based consumer lending platform that offers instant personal loans to self-employed and salaried individuals. It provides quick and hassle-free access to credit for various personal and business needs.

The eligibility criteria may vary, but typically include age, income, credit score, and KYC documents. To check your eligibility, you can visit the Fayda Pay app or website and fill in the necessary details.

The loan amount varies based on individual eligibility and creditworthiness. You can choose a loan amount that suits your needs, and the approved loan amount will be communicated to you during the application process.

No, Smart Coin Personal Loan is an unsecured loan, and you do not need to pledge any collateral or assets to avail of the loan.

Once your loan application is approved, the loan amount is disbursed directly to your registered bank account within a short period, ensuring quick access to funds.

Yes, you can track your loan application status through the Fayda Pay app or website. You will receive regular updates on the progress of your application.