True Balance - Personal Loan

True Balance - Personal Loan

Fast, Secure Personal Loan App

2.6K ratings
32 reviews

Details

  • Released
  • Updated
  • October 12, 2025
  • August 26, 2026

Features

True Balance - Personal Loan video #1 for iPhone
True Balance - Personal Loan screenshot #2 for iPhone
True Balance - Personal Loan screenshot #3 for iPhone
True Balance - Personal Loan screenshot #4 for iPhone
True Balance - Personal Loan screenshot #5 for iPhone
True Balance - Personal Loan screenshot #6 for iPhone
True Balance - Personal Loan screenshot #7 for iPhone
True Balance - Personal Loan screenshot #8 for iPhone
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About

Access personal loans quickly and securely through a digital platform. Borrow up to ₹5,00,000 with flexible repayment terms and transparent fees. Apply anytime, anywhere with a 100% digital process.

Personal loans up to ₹5,00,000
Flexible tenures from 6 to 48 months
100% digital application process
Secure and encrypted platform
Transparent fees and no hidden charges
Direct bank account disbursal
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What's New in True Balance

7.32.00

August 26, 2026

- Now, apply for a new credit card right on the True Balance app. Discover curated options from leading banks, just for you! - Avail your pre-approved loan directly from the home screen. - Under-the-hood improvements for faster loads and stronger security.

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Events

Read more about Level Up Loans: Special Offer

Level Up Loans: Special Offer

Explore Level Up Loans with 0 fee for new users

Aug 19, 2026 Sep 15, 2026

Read more about Level Up Loan

Level Up Loan

Get loans from ₹1,000 to ₹30,000 instantly!

Jul 20, 2026 Aug 3, 2026

User reviews

Disappointed customer

Very disappointed with True Balance. I have been a loyal customer and have taken loans from the app before and cleared my EMIs properly.

Recently, I cleared my ₹19,000 outstanding loan amount, expecting that after closing the existing loan I would be eligible for a higher/fresh loan. I made the payment keeping my other financial commitments in mind.

But after clearing the entire amount, the app suddenly shows “Not Eligible” when I try to apply for a new loan.

This is extremely disappointing and frustrating. If there is no guarantee of getting a fresh loan after closing the existing one, customers should not be given such expectations.

After being a loyal customer and clearing my dues, this is how I am treated. I feel completely let down by True Balance. I would not recommend relying on this app based on my experience
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Very Disappointing Experience with True Balance – Loan Disbursement Delay & Poor Customer Support

The loan has already been approved, but they said it will take up to 7 days for the amount to be credited. I’m not sure why the process is taking this long after approval.

The customer care support is really poor as well. There is no proper response or clear update from their side, and it is very difficult to get accurate information about the status. If the loan is already approved, the amount should ideally be credited much sooner, or at least they should provide a clear explanation for the delay.

Honestly, based on my experience, I would not recommend True Balance to others. If you need quick disbursement and reliable customer support, I would suggest thinking twice before choosing True Balance. Very disappointing experience so far.
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⭐️

⭐ 1-Star Review I took a loan with a 6–8 month EMI option but repaid the entire amount within just one month. I have a 100% on-time repayment history with zero late payments. After repayment, the app showed that my credit limit had increased, creating the impression that I was eligible for another loan. However, when I applied again, it simply said "You are not eligible." This is misleading and creates false expectations. The app also charges very high interest rates, and despite repaying loan
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Too bad

Actually i cleared all the amount before time … but the app didn’t gave me … another and rejected … still I don’t know what is the reason

Finally Found a Loan App That Worked!

Highly Recommended

I had been trying to get a loan from different apps and lenders, but unfortunately, I wasn’t getting approved anywhere. Then I tried this app, and to my surprise, my loan was approved very smoothly. The entire process was simple, quick, and convenient.

Really happy with the experience so far. If you’re looking for a simple and hassle-free loan application process, I would definitely recommend giving this app a try. 👍
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FAQ

What is the maximum loan amount I can get with True Balance?

You can borrow up to ₹5,00,000 (Disbursal Amount) through NBFCs in partnership with True Balance's Fintech Partners. The exact amount is subject to the lender's policy and your eligibility.

What are the repayment terms for loans from True Balance?

True Balance offers flexible repayment periods ranging from a minimum of 6 months to a maximum of 48 months, depending on the lender's policy. You can choose EMI due dates on the 1st, 3rd, 5th, 10th, 15th, or 20th of every month.

How long does it take to get a loan through True Balance?

The app facilitates a 100% digital application process, allowing you to apply anytime, anywhere. Once approved, the loan amount is credited directly to your bank account by RBI-registered NBFCs.

What are the fees associated with True Balance loans?

True Balance offers affordable and transparent processing fees with no hidden charges. The Annual Percentage Rate (APR) ranges from 28.8% to 78% for loans disbursed by their NBFC partners.

Is True Balance a secure platform for personal loans?

Yes, True Balance uses secure, encrypted systems to protect customer data. It is an RBI-authorised Prepaid Payment Instrument (PPI) issuer and facilitates loans through RBI-registered NBFCs.

Does True Balance have ads?

Yes, True Balance contains advertisements. Users can expect to see ads within the application.

What devices does True Balance support?

True Balance is currently available on iOS devices, specifically iPhones. Future updates may expand compatibility to other platforms.

How often is True Balance updated?

The latest version of True Balance is 7.25.00, and it was last updated on May 19, 2026. This indicates a relatively frequent update cycle for the application.