Credit Spark Loan App: Review is it Fake or Real

3.4/5 - (5 votes)

Friends, everyone needs a loan at some point however, to apply for a loan, individuals today often see advertisements on Facebook and Instagram, download applications without reading reviews and YouTube videos, and then use such applications to apply for loans, falling victim to the loan trap.

Techy Loan is a trusted platform that gives you well-researched reviews of websites and apps.

In today’s post, I will give you a review of the Credit Spark Loan App, Is this application real or not, is it okay to take a loan from this app or not, you will know through this post.

What is Credit Spark – Line of Credit

Credit Spark stands out as an unsecured Line of Credit (LOC) loan application, meticulously evaluating factors like location, income, liabilities, employment status, corporate ties, job position, property ownership, and other pertinent conditions to determine the user’s credit limit.

This application has been launched by XPLORE GROUP PRIVATE LIMITED this application is available on play store but after some time will be removed.

Application Claims:-

  • Safe
  • Reliable
  • NBFC Authorised
  • Security Protocols
  • Loan up to 1.2 Lakh
  • Reasonable Interest Rates
  • Flexible Repayment Options

Friends, the application also claims that it is RBI-approved and has an NBFC partner. Whether this is true or not, will be known later.

Application NameCredit Spark – Line of Credit
Loan Amount₹1500 to ₹1.2 Lakh
Fees Processing fees: 80rs
Interest Rate18.25% APR
Loan Tenure91 to 365 days
Launched Year2023
Application size7.8 MB approx
Total downloads1 Lakh Install
Rating4.4 [ Which is paid ]
Real or FakeFake & Not Safe
WebsiteNo Website
RBI ApprovedNo

Credit Spark Customer Care Number

Care Number+91 87121 77015
Office Address4P-21, Sec – 4, R H B Colony Bhiwadi Alwar, Rajasthan 301019
Founder NameNot Found
Email [ Not Woring ]

Credit Spark Loan App Real or Fake

Friends, the Credit Spark Loan App claims that it gives you loans ranging from Rs 5k to Rs 2 Lakh in just a few minutes with fewer documents like Aadhar cards or PAN cards.

In reality, Credit Spark is a fake application because this application is not registered with the NBFC or the RBI, or If you try to take a loan, you can get badly trapped in their Scam.

Credit Spark Loan App Scam

Friends, if you are thinking of taking a loan from this application, then you can get trapped in their big scam which is very difficult to escape because this application is not available on the Play Store and now it is trapping people by running ads on Facebook and Instagram.

Friends, suppose you download this application and apply for a loan of ₹ 10,000, and your loan gets approved in minutes, then after, a scam starts with you,

The reality is that this application gives you a loan only for 7 days and within these 7 days you have to pay 40% to 50% more interest on this loan which is more than the loan amount.

You will have to repay this loan within 7 days, along with this you will have to pay two to three times more interest, which means ₹15000 to ₹17000, and you will have to pay interest on a ₹10,000 Loan.

Credit Spark Loan App Harassment

Friends, after the loan is approved and the money is credited to your account if you do not repay your loan within 7 days, then it can trouble you a lot.

For example: they will call your number daily and send you daily messages on WhatsApp and if you refuse to make the payment, they will abuse you and also threaten you if you do not repay the loan.

Along with this, they will call all the numbers in your contact list, abuse them, and ask them to repay the loan.

Also, Your obscene image will be created and sent to your contact list. This will irritate you completely and you may even think of committing suicide.

Read This Suicide Case

Loan apps are forcing people to commit suicide

Credit Spark Loan App Review

Credit Spark Loan App

Sarthak Gupta

Credit Spark
Credit Spark is an unsecured Line of Credit (LOC) loan application, that meticulously evaluates factors like location, income, liabilities, employment status, corporate ties, job position, property ownership, and other pertinent conditions to determine the user’s credit limit.
Author’s Rating
Take Loan: No
7 Day App: Yes
Rbi Approved: No
Founder: No


All these details show that Credit Spark is a completely fake and scammy application. Therefore my opinion is that you should not take a loan from this application.


How to get out of fake Loan Apps?

Friends, you are one of those people who download the loan application form without reading the reviews and then get stuck in it. Read reviews on to avoid using any loan app from now on.

This will assist you in avoiding downloading any fraudulent apps. Let us now know how to stay away from these applications.

  • Don’t repay: If you are trapped in such fake loan applications then do not give them money. If you give money once then they will keep charging you money again and again.
  • Do Complain: If you are being harassed by these fake loan applications then you can complain to them, it is your right call on 1930
  • No Reply: If you are receiving messages and calls from unknown numbers, then do not respond to those calls and messages at all.
  • Off Sim: If you want to completely avoid this, then you should switch off your SIM for 7 to 8 days or break the SIM and throw it away, there is no better solution than this.


Credit Spark Loan App Review: Friends, if you have read this post till now then you must have understood that the Credit Spark Loan is a fake application.

Through this app, you can easily take a loan and they also add money to your account without your permission when the time of repayment comes, it can also put you in trouble.

It is up to you whether you want to take a loan from this app or not, but friends, if you liked this post then please share it with your, Friends, please leave a comment if you see any mistakes in the article.

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