Navi Loan App Review 2025: Are you looking for an affordable personal loan app?. Then this article is for you. Navi Loan App is another personal loan app which provides you personal loan with affordable interest rates. But before getting a loan from the Navi Loan App, you need to know about it. Is the Navi Loan App genuine or fake? Here’s a complete 2025 review explaining its features, eligibility, loan process, foreclosure policy, complaints, and safety of borrowing through Navi.
Before moving to more information about the Navi Loan App Review 2025, we would like to warn about the fraudulent loan apps working towards scamming the customers, especially the people who are in need of money in the present days. We request please read and understand carefully about the loan applications and their existence before applying for a loan. We only provide information regarding loan apps and their features and also about the trustability of those loan apps through our reviews. We are not responsible for your loss and gain at all.
What is Navi Loan App?
The Navi Loan App is a digital lending platform created by Sachin Bansal (Co-founder of Flipkart). It provides personal loans, home loans, and health insurance through a paperless and app-based system. Operated by Navi Finserv Limited, an NBFC registered with the RBI, Navi is a legitimate financial service provider in India.
Borrowers can apply for personal loans up to ₹20 lakhs with flexible repayment plans ranging from 3 months to 72 months, making it one of the fastest-growing apps for quick and reliable credit.
Key Features of Navi Loan App
- Instant Personal Loans from ₹10,000 to ₹20,00,000
- Affordable Interest Rates starting at 9.9% p.a.
- Long repayment tenure up to 6 years
- 100% online application with instant approval
- Quick disbursal directly to the borrower’s bank account
- Other services: Home loans & health insurance
- No branch visits – fully app-based
How to Apply for Loan in Navi Loan App
The process to apply is simple:
- Download the Navi App from Play Store or App Store.
- Register with your mobile number and verify via OTP.
- Upload Aadhaar, PAN, and bank details for KYC verification.
- Check available loan offers generated as per your profile.
- Select loan amount & EMI tenure that suits you.
- Submit the application for approval.
- Once approved, the loan is credited instantly to your bank account.
Eligibility to Apply for Loan in Navi App
- Applicant must be an Indian resident
- Age group: 21–55 years
- Must have PAN and Aadhaar card
- Should have a regular source of income
- Active bank account in the applicant’s name is mandatory
How to Get Quick Loan Approval in Navi App
- Keep a good credit score (650 or above)
- Ensure all details are entered correctly
- Upload clear and valid documents during KYC
- Maintain a positive repayment history with previous loans
- Avoid multiple loan rejections in a short period
How to Download Navi Loan App?
- Open Google Play Store (Android) or App Store (iOS)
- Search for “Navi: Personal Loan & Insurance”
- Click Install and register to start the process
Documents Required for Navi Loan
- Aadhaar Card
- PAN Card
- Bank account details
- A selfie for ID verification
- Salary details (for salaried applicants)
Is Navi Loan App Real or Fake?
Navi is a genuine and trustworthy loan app, not a fake one. It is operated by Navi Finserv Limited, an RBI-registered NBFC, making it a legal financial institution in India. Since it is regulated by RBI norms, borrowers can safely use it for personal and home loans.
Common Complaints About Navi Loan App
Although Navi is real, some users have raised concerns such as:
- Loan rejection for applicants with low CIBIL score
- Processing charges on loan disbursal
- High interest rates for borrowers with weak credit history
- Frequent EMI reminders through calls or SMS
Navi Loan App Contact Information
- Customer Support Email: help@navi.com
- Website: www.navi.com
- Registered Office: Navi Technologies Pvt. Ltd., Bangalore, India
Navi Loan Foreclosure Policy
Borrowers can repay the loan before the tenure by choosing the foreclosure option. Navi usually does not levy heavy foreclosure penalties, but it’s important to review the loan agreement for applicable charges before closing early.
Is Navi Safe for Borrowing?
Yes, the Navi Loan App is safe since it complies with RBI lending rules. The app uses secure systems for digital KYC and transactions. However, borrowers should carefully check the interest rate, fees, and repayment schedule before borrowing to avoid unnecessary debt.
Navi Loan App Final Review
- Pros: High loan amount, low starting interest rate, paperless process, instant disbursal
- Cons: May reject applicants with low credit scores, processing fees apply, strict EMI follow-ups
Important links
Navi Loan App Official Website: Click Here
Download Navi Loan App from Google Play Store: Click Here
Download Navi Loan App from iOS app store: Click here
Conclusion
The Navi Loan App in 2025 is real, legal, and reliable for borrowers who need instant personal loans. It is best for salaried professionals and self-employed individuals looking for quick financial assistance. While it is safe, always read the loan terms carefully and borrow responsibly.
FAQs
Q: Who is eligible for Navi Loan?
A: Indian citizens aged 21–55 years with Aadhaar, PAN, and a valid bank account.
Q: How do I close my Navi Loan?
A: Loans can be closed by repaying all EMIs or opting for foreclosure through the app.
Q: What is the interest rate on Navi Loans?
A: Interest rates generally start at 9.9% per annum.
Q: What is the Navi Loan App customer care number?
A: Currently, Navi offers email-based support at help@navi.com.
Q: What is the age limit to apply for Navi Loan?
A: Minimum 21 years and maximum 55 years.
Q: What is the interest rate for personal loans in the Navi App?
A: Rates range from 9.9% to 36% per annum, depending on profile and credit score.