Upwards Loan App Review 2025: Real Or Fake? How to Apply for Loan in Upwards?

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Upwards Loan App Review 2025

Upwards Loan App Review: Full details on Upwards Loan App Review, Upwards Loan application. Discover an in-depth Upwards Loan App Review 2025 – Learn how to apply for a personal loan, understand eligibility criteria, interest rates, documents required, customer complaints, foreclosure process, and whether Upwards Loan App is trustworthy or a scam, customer complaint on Upwards Loan App, Extra Charges for personal loan in Upwards Loan App, Home loan in Upwards Loan App, Vehicle loan in Upwards Loan App.

What is Upwards Loan App?

Upwards Loan App Review: The Upwards Loan App is a digital personal loan platform operated by Upwards Fintech Pvt. Ltd., a company that partners with RBI-registered NBFCs (Non-Banking Financial Companies). The app is designed to offer small-ticket loans to salaried individuals who may not have access to traditional bank credit due to limited credit history or lower income brackets.

Launched to bridge the gap in personal lending, the app enables users to apply for a loan, track disbursement, and make repayments, all from a smartphone. It uses AI-based credit scoring models to assess borrower eligibility within minutes. We will explain about Upwards Loan App Review in this article, and please go through the complete article before going to apply for any loan in Upwards Loan App.

Things to know about Upwards Loan App

5 Millions Downloads
500 Crore Loan Distributed
50,000 Happy Customer
Instant Loan within 120 Hours
Personal Loan approval in Three easy steps
Office available 200+ cities and 8000+ pincodes

Facilities Available on Upwards Loan App

Here are the key features and services provided by the Upwards App:

Instant Personal Loans from ₹15,000 to ₹2,00,000
Flexible tenure options: 6 to 36 months
Quick approval and disbursal, often within 24 hours
Minimal documentation and fully digital process
Secure digital platform with end-to-end encryption
Track loan status and EMI dates within the app
Digital reminders and email support for repayments

How to Apply for a Loan in Upwards Loan App?

Applying for a loan through the Upwards App is user-friendly. Here’s how the process works:

Download & Install the Upwards App from the Play Store or App Store.
Register using your mobile number and verify it via OTP.
Fill in Personal & Professional Details, including PAN, address, salary, employer, etc.
Upload required documents (e.g., PAN, Aadhaar, Salary slips, and bank statements).
The system will auto-check your eligibility using credit scoring.
If approved, you’ll get a loan offer with tenure and interest options.
Once you e-sign the agreement, the loan is disbursed directly into your bank account.

Eligibility Criteria to Apply for Loan in Upwards Loan App

To be eligible for a loan, you must meet the following criteria:

Employment: Must be a salaried individual (public/private sector or MNC)
Location: The app currently services Tier 1 and Tier 2 cities across India
Monthly income: Minimum ₹15,000 (varies by city)
Age: Between 21 to 60 years
Valid KYC documents (Aadhaar, PAN, bank proof)
Stable employment history (usually 6 months+ in current job)
CIBIL/Credit score of 650 or above is recommended for better approval chances

Simple Steps to Get Quick Approval Loan in Upwards App

Follow these pro tips for a higher chance of approval:

Use a mobile number linked to your bank and Aadhaar
Upload clear and legible documents in PDF or image format
Maintain a clean credit history with no recent defaults
Apply for realistic loan amounts based on your income
Provide complete employer details (official email helps)
Enable location and grant app permissions for smoother verification

How to Download Upwards Loan App?

Downloading the Upwards Loan App is simple and safe:

Google Play Store: Search “Upwards Loan App” or visit: https://play.google.com/store/apps/details?id=com.upwards.upwards
Apple App Store: Available for iOS users
Official Website: https://www.upwards.in

Required Documents to Apply for Loan in Upwards

Here’s what you’ll need to apply for a loan:

Identity Proof: PAN Card (mandatory)
Address Proof: Aadhaar Card or Passport
Bank Statement: Last 3 to 6 months
Salary Slips: Last 2–3 months
Selfie for verification (via the app)

Is Upwards Loan App Real or Fake?

The Upwards Loan App is real and legal. It is partnered with RBI-authorized NBFCs and follows standard financial compliance protocols. This Upwards Loan App Review article helps you to understand whether Upwards Loan App is real or fake.

However, multiple user reviews highlight issues such as:

High interest rates (18%–30%)
Loan rejections despite good eligibility
Hidden charges during foreclosure
Slow customer support resolution

While not a scam, it’s crucial to read the terms carefully before accepting any loan offer.

Main Upwards Loan Complaints

Here’s a summary of frequent customer complaints:

Non-transparent charges during foreclosure
Delayed disbursal even after approval
High late payment penalty fees
Rejected loan after document submission without clear reasons
Poor customer care response times

Upwards Loan App Contact Details

If you need help, here are the official support channels:

Phone: +91 77150 98615
Email: support@upwards.in, help@go-upwards.com
Working Hours: Monday to Saturday, 10 AM to 6 PM
Live Chat: Available inside the app
Address: 501-A Pinnacle Corporate Park, BKC Bandra (East), Vill Kole Kalyan,Near Trade Centre Mumbai – 400051

Upwards Loan Foreclosure Explained

Foreclosure refers to closing the loan before the full tenure. Upwards allows foreclosure but usually charges a 3%–5% fee on the outstanding principal.

Steps for Foreclosure:

Raise a foreclosure request via the app or email.
Receive the closure quote with charges.
Pay the dues through bank transfer or UPI.
Get a loan closure certificate as proof.

Note: Some users have reported unfair charges, so check with customer support before proceeding.

Upwards Loan App Final Review (2025)

The Upwards Loan App is genuine and functional, especially for salaried individuals in need of urgent short-term funds. It uses a smart AI-driven process for quick decisions. However, transparency remains a concern due to frequent user complaints about hidden charges and unresponsive support.

If you have a good credit score and stable job, you might get a quick and smooth experience. Otherwise, you may face loan rejection or hefty fees.

Conclusion

In conclusion, the Upwards Loan App serves its purpose of providing instant personal loans but comes with mixed reviews. The app is legit, but not always borrower-friendly. Make sure you:

Read all terms and conditions
Understand interest and penalty charges
Compare with other apps like KreditBee, CASHe, or MoneyTap before applying

FAQ

Q: Who is eligible for Upwards Loan?

A: Anyone who is a salaried employee aged 21–60 with a monthly income of ₹15,000 or above and valid KYC documents is eligible.

Q: How do I close my Upwards Loan?

A: You can close your loan by contacting customer support, requesting a foreclosure quote, and paying the full outstanding amount including applicable fees.

Q: What is the interest rate of Upwards Loan?

A: Interest rates generally range from 18% to 30% per annum, depending on your profile and credit score.

Q: What is the customer care number of Upwards Loan App?

A: +91 77150 98615 or help@go-upwards.com

Q: What is the age limit to apply for a loan in Upwards Loan App?

A: Minimum age is 21 years and the maximum is 60 years at the time of loan maturity.

Q: What is the Interest rate for personal loan in Upwards Loan App?

A: Usually, 18% to 30% p.a., but it depends on your credit profile and city of residence.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. We do not promote or endorse any specific loan app. Always verify that a loan app is partnered with an RBI-registered NBFC or bank before applying. Be cautious of fraudulent applications that may misuse your personal data, charge hidden fees, or engage in unethical debt collection practices. Before borrowing, read the loan agreement carefully, compare interest rates, and ensure you can repay the loan within the agreed tenure. Avoid downloading loan apps from unofficial sources or unknown websites. In case of any suspicious activity or harassment by a loan app, report it immediately to the Reserve Bank of India or the National Cyber Crime Reporting Portal (https://cybercrime.gov.in/). Borrow responsibly — only take a loan if it is truly necessary and you are confident in your ability to repay on time.