Expert Counsel

No Public Shaming, But Gentle Nudges: They won't blast your contacts like some loan sharks, but expect friendly (or not-so-friendly) reminders to pay up. Remember, open communication is key, so talk to them about your repayment plan if needed.

Overdue Fees: Pay or Don't, It's Up to You: Like most loan apps, they charge extra for late payments. But here's the twist: once you pay the original loan and regular interest, you don't have to pay the late fees. Sounds good, right? Just remember, paying them all off helps your credit score.

Block Annoying Calls (But Maybe Don't): If their reminders feel like harassment, use Truecaller to block their numbers. However, blocking completely might shut off potential repayment solutions.

Say NO to the Debt Spiral: This one's crucial! Only use Top Credit if you're 100% sure you can repay on time. Borrowing from another app to pay them is a recipe for disaster!

Truecaller for Selective Blocking: You can use Truecaller to identify and block their calls if needed. But remember, clear communication is often better than shutting them out completely.

Your Options Are Wide Open: Don't feel pressured to borrow if you're not comfortable. Explore other solutions like budgeting, finding extra income, or seeking financial advice before jumping into any loan, even one with "secure savings" in the name.

Your Well-being is Top Priority: Remember, your financial peace of mind and good credit score are crucial. Use Top Credit responsibly and only if you understand their terms, interest rates, and repayment options. It's always best to borrow what you can truly afford to pay back.

In the end, there's no magic app for instant wealth. Be cautious, make informed decisions, and remember, you have options beyond loan apps!

Reviews