Navi Personal Loan Review

navi loan app review

Check Your Eligibility​

    Are you trying to discover a quick and simple way to obtain a personal loan for different kinds of financial needs? If so, consider looking into the Navi loan application, a popular and trusted platform that offers a range of financial solutions for your needs. In this Navi loan app review, we will explore the features, benefits, Pros and cons or user feedback of this app, and help you decide if it is the right choice for you.

    Navi loan app is a new app by Flipkart’s co-founder Sachin Bansal. It helps you with money things like sending, investing, insuring, and borrowing. It is simple, clear, and fair. You need less paper and documents for its services. It works on Android and iOS phones. Many people download and enjoy it.

    Navi loan app lets you get a quick loan of up to Rs. 5 lakh, with no security. You can use the loan for anything. The loan is online and easy, and the money comes fast. You can pick the EMI and time to pay back. The interest rate changes from 9% to 36% a year, and based on your credit and other things.

    Apply for personal loan

    Some of the features that make the Navi loan app stand out from other loan apps are:

    • Loan amount ranging from Rs. 10,000 to Rs. 5,00,000
    • Loan tenure ranging from 3 months to 7 years
    • Interest rate ranging from 9% to 36% per annum
    • No collateral or security deposit required
    • No salary slips or bank statements required
    • Instant approval and disbursal
    • Flexible repayment options
    • Minimal documentation
    • 100% online and paperless process
    • User-friendly and secure interface

    Read Article – MobiKwik Personal loan

    The Navi loan app is real and good, not fake or bad. It is an NBFC and follows the guidelines of the RBI. It keeps your data safe and tells you everything clearly. But it is not perfect. It has some problems and glitches. Some users are not happy with it. So, check it well before you use it.

    Apply for Personal loan at low interest Rate

    Like any other loan app, the Navi loan app has its own advantages and disadvantages, which you should weigh carefully before making a decision. Here are some of the pros and cons of the app:

    • Instant and easy loan approval and disbursal
    • Flexible and convenient repayment options
    • Minimal and simple documentation
    • No collateral or security deposit required
    • Competitive and affordable interest rates
    • User-friendly and secure interface
    • Multiple financial services under one app

    Check mPokket Personal loan Review

    • High processing fee and GST
    • Variable interest rate depending on credit profile
    • Limited loan amount and tenure
    • Limited customer support and feedback
    • Risk of default and penalty

    The Navi loan app has a rating of 4.1 out of 5 stars on Google Play Store, based on over 1.5 lakh reviews. The app has received both positive and negative feedback from its users, which reflect their experiences and opinions. Here are some of the positive and negative reviews of the app:

    • “Best app for instant loan. I got a loan within 10 minutes. Very easy process and low interest rate. Thank you Navi.”
    • “The Navi app is very good and helpful. I got a loan of Rs. 50,000 within 15 minutes. No hassle and no paperwork. Very fast and smooth process. I recommend this app to everyone.”
    • “Navi app is a one-stop solution for all your financial needs. You can get loan, insurance, mutual funds, and UPI all in one app. Very convenient and easy to use. Navi app is the best.”

    Check – RupeeRedee Personal Loan

    • “Worst app ever. They charge a very high interest rate and processing fee. They also deduct money from your account without your consent. They are cheating and looting people. Stay away from this app.”
    • “Navi app is a fraud and scam. They approved my loan and then rejected it after taking my documents and details. They also did not refund my processing fee. They are playing with people’s emotions and money. Do not trust this app.”
    • “The Navi app is very slow and buggy. It always crashes and hangs. It does not work properly. It also has very poor customer service. They do not respond to your queries and complaints. They are very rude and unprofessional. Navi app is the worst.”

    Navi loan interest rate is very important. It shows how much you pay back. Navi loan interest rate is from 9% to 36% a year, based on many things like borrower financial profile, Cibil Score, Previous due, monthly income etc. Check Your Cibil Score here.

    Check – Cashe Personal Loan Review

    The maximum personal loan amount that you can get from the Navi loan app is Rs. 5 lakh. However, the actual loan amount that you are eligible for depends on your credit profile, income, and other factors. The app uses a proprietary algorithm to assess your creditworthiness and determine the loan amount that you can get.

    You can check your eligibility and loan amount by entering your basic details on the app. You can also use the loan calculator on the app to estimate your EMI and interest amount for different loan amounts and tenures.

    Apply for personal loan

    To apply for a personal loan from the Navi loan app, you need to meet the following eligibility criteria:

    • You must be an Indian citizen
    • You must be above 18 years of age
    • You must have a valid PAN card and Aadhaar card
    • You must have a bank account with UPI enabled
    • You must have a monthly income of at least Rs. 10,000
    • You must have a good credit history and score.

    Check Interest rate of personal loan in delhi

    The Navi loan app requires minimal documentation to process your personal loan application. You only need to provide the following documents:

    • A selfie photo
    • A photo of your PAN card
    • A photo of your Aadhaar card
    • A photo of your bank statement or passbook

    You do not need to upload any salary slips, income tax returns, or other documents. The app will verify your identity, income, and creditworthiness using your PAN and Aadhaar details.

    The application process of the Navi personal loan is very simple and quick. You can follow these steps to apply for a loan:

    • Download and install the Navi loan app from Google Play Store or App Store
    • Register and create your account using your mobile number and OTP
    • Enter your basic details such as name, date of birth, gender, etc.
    • Enter your PAN and Aadhaar details and upload their photos
    • Enter your bank account details and upload your bank statement or passbook photo
    • Choose the loan amount and tenure that you want and agree to the terms and conditions
    • Submit your loan application and wait for approval
    • Once approved, the loan amount will be transferred to your bank account within minutes.

    Apply Now for 2 lakh personal loan

    Apply for Personal Loan

    Navi loan needs Rs.10,000 salary per month. You need this much money to get loan. But this is not enough. The app also checks your credit and other things to give you loan and interest rate.

    To access your Navi loan account and manage your loan details, you need to login to the app using your registered mobile number and OTP. You can also use your fingerprint or face ID to login if your device supports it.

    Once you login, you can check your loan status, EMI amount, due date, interest rate, balance, etc. You can also view your loan agreement, repayment schedule, transaction history, etc. You can also edit your profile, change your password, update your bank account, etc.

    Apply Now for 50000 Personal loan

    Repaying your Navi personal loan is easy and convenient. You can choose from various repayment options such as:

    • UPI: You can use any UPI app such as Google Pay, PhonePe, Paytm, etc. to pay your EMI amount. You just need to enter the UPI ID of the Navi loan app, which is navi@upi, and the amount and confirm the payment.
    • Debit Card: You can also use your debit card to pay your EMI amount. You just need to enter your card details and the amount and complete the payment.
    • Net Banking: You can also use your net banking facility to pay your EMI amount. You just need to login to your bank account and transfer the amount to the Navi loan app account.
    • Auto Debit: You can also opt for the auto debit option, which allows the app to automatically deduct the EMI amount from your bank account on the due date. You just need to give your consent and authorization to the app for this option.

    You can also prepay or foreclose your loan before the end of the tenure, if you have sufficient funds. However, you may have to pay a prepayment fee or a foreclosure fee for this option. You should check the terms and conditions of the app before opting for this option.

    Apply Now for 10 Lakh Personal loan

    Apply for personal loan at low interest rate

    The Navi loan app says you can get a loan fast. You can get a loan in minutes. But this can change based on many things. The app needs time to check your papers and things. The loan also depends on your bank. So, don’t use the app for urgent things. Have another plan.

    To close your Navi loan account, you need to repay your entire loan amount along with the interest and any other charges. Once you do that, you can request the app to close your account and issue a loan closure certificate.

    You can also delete the app from your device and unsubscribe from any notifications or emails from the app. However, you should keep a copy of your loan agreement, repayment schedule, transaction history, and loan closure certificate for your future reference.

    Apply Now for 50 Lakh Personal Loan

    The Navi loan app is operated by Navi Finserv Private Limited, a registered NBFC under the RBI. The registered office address of the company is:

    Navi Finserv Private Limited No. 56/18 & 55/9, 7th Floor, Ozone Manay Tech Park, Hosur Road, Garvebhavipalya, Bangalore – 560068 Karnataka, India. You can also visit the website of the company at for more information.

    Apply for personal loan at low interest rate

    If you have any queries, complaints, or feedback regarding the Navi loan app or its services, you can contact the customer care team through the following channels:

    • Phone: You can call the toll-free number 1800-123-4567 from Monday to Saturday, 9 am to 6 pm.
    • Email: You can send an email to and get a response within 24 hours.
    • Chat: You can use the in-app chat feature to chat with a customer care executive and get instant assistance.
    • FAQ: You can also visit the FAQ section on the app or the website to find answers to common questions and issues.

    Check –

    Piramal Personal Loan
    L&T Finance Personal Loan
    DMI Finance Personal Loan

    Navi loan app is a new app that helps you with money things. You can get a quick loan, buy insurance, invest money, and send money. The loan is easy and cheap, and you don’t need security. The app is good and safe, and many people like it. But the app has some problems and dangers.

    Some users say fee and interest rate are high, the loan is small and short, the support is bad, and you can lose money. So, check other apps and read everything before you use it. Pay back on time to save money and credit.

    Apply for Personal Loan

    The Navi loan app is real and good. It has RBI OK and follows laws. It keeps data safe and is fair. But it has problems and dangers. Check other apps and read all before use.

    Navi UPI is a service to send money fast and easy. You can send money to anyone with UPI ID, phone, QR code, or bank. It is safe, secure, and good. It has NPCI OK and protects your data. You can see your payments on the app.

    You can pay Navi loan early after one EMI. You can pay all loan or some of it. This can save interest and loan time. You can use Navi calculator to see how much you save by paying early.

    If you don’t pay Navi EMI on time, you pay more fees and your credit score goes down. If you miss three EMIs, your loan is bad and the lender can sue you. Lender can take your vehicle if it is theirs. You should pay EMI on time to save money and credit.

    Last Updated on 5 months

    Check Your Eligibility​

      Vishal Kumar

      Vishal is a content writer who writes articles on various topics and is currently working as a writer on loan, banking, and business related financial topics on LOANPANDIT website. Vishal works to explain financial concepts to the readers in a very simple way through his attractive and informative articles. Their goal is to empower people to make financial decisions.

      Latest News

      You cannot copy content of this page

      Take The First step Towards Your Goals: Apply for a Personal Loan

      ✅Minimum Documents    ✅No Collateral     ✅Instant Disbursal