India App Quality Report · Q4 2026 · Loans & credit
What breaks in India's loan and credit apps
On 23 October 2026 we read the 222 reviews Google Play shows on 13 of India's most-used loan and credit apps. 6.3% describe the app malfunctioning — below the 10.7% across all 187 apps in the India App Quality Report.
Failed payments lead, at 2.7% of reviews
Share of the category's storefront reviews that describe each kind of malfunction, against the same share across all 187 apps.
What to test first in loan and credit apps
- Repayment. Failed or stuck payments are this category's top malfunction (6 of 14), mostly loan repayments and EMI debits. Test cases →
- AutoPay mandates: set-up, the pre-debit alert, and what the borrower sees when a debit fails. Test cases →
- KYC steps and document upload from the camera and the gallery on budget phones. Test cases →
- Card and net banking repayments through the payment gateway, including the result screen after the app is killed. Test cases →
The 13 apps we read
| App | Rating | Installs | Days since update | Reviews read | Malfunction reviews | Main problem |
|---|---|---|---|---|---|---|
| Bajaj Finserv | 4.7★ | 10Cr+ | 9 | 18 | 3 | Login & OTP failures |
| CASHe | 4.4★ | 1Cr+ | 11 | 18 | 0 | – |
| Fibe | 4.6★ | 1Cr+ | 30 | 18 | 0 | – |
| Kissht | 4.9★ | 5Cr+ | 31 | 18 | 0 | – |
| KreditBee | 4.6★ | 10Cr+ | 52 | 18 | 0 | – |
| LazyPay | 4.6★ | 1Cr+ | 31 | 18 | 5 | Payment & UPI failures |
| Mahindra Finance | 4.4★ | 50L+ | 28 | 6 | 3 | A feature doesn't work |
| Moneyview | 4.8★ | 10Cr+ | 31 | 18 | 0 | – |
| mPokket | 4.6★ | 5Cr+ | 31 | 18 | 2 | Payment & UPI failures |
| Paisabazaar | 4.6★ | 1Cr+ | 28 | 18 | 1 | Wrong or stale data |
| PaySense | 3.0★ | 1Cr+ | 191 | 18 | 0 | – |
| Snapmint | 4.6★ | 5Cr+ | 25 | 18 | 0 | – |
| True Balance | 4.6★ | 5Cr+ | 29 | 18 | 0 | – |
Per-app counts are small samples of what each storefront showed on 23 October 2026 (up to 18 reviews for apps with 1 crore+ installs, up to 6 for smaller apps). Google changes which reviews it shows, so read them as a snapshot, not a verdict on an app.
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How these numbers were made
We loaded each app's Google Play India store page on 23 October 2026 and recorded every review shown: up to three per language, in English and Hindi for every app and also in Bengali, Marathi, Telugu and Tamil for apps with 1 crore or more installs. Each review was coded for the one main problem it describes against a written codebook, and a second coder re-coded a random sample blind (92.1% agreement on whether a review describes a malfunction). A review counts as a malfunction when its main problem is a crash or freeze, a login or OTP failure, a failed payment, a feature that doesn't work, slowness or wrong data. Ranges are 95% Wilson intervals. Full method, codebook and limits are in the report.
Cite as: 99tests (2026). India App Quality Report, Q4 2026 — Loans & credit. https://99tests.com/research/app-quality/loan-apps. Data CC BY 4.0. Google Play is a trademark of Google LLC; this page is not affiliated with or endorsed by Google or any app developer named.
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