Ring Loan App Promo Codes 2025: Save ₹300 on Processing Fees

Why Ring Loan App Actually Delivers

When you need money fast, traditional banks make you wait weeks. Ring Loan App changed that game completely. You can get approved for up to ₹5 lakhs in just five minutes. 

What makes this app different? It’s RBI registered and works with legitimate NBFCs. Over 2,082 people grabbed loans this month alone, which tells you something about how well it works. Most users get approved for amounts between ₹7,000 and ₹45,000 using just their Aadhaar card and PAN cards.

The best part? working promo codes can save you real money right now.

Ring loan app promo code today

Promo Code	Description	Eligibility	Savings	Valid Until
SHT300	Cuts processing fees	All borrowers	₹300	September 2025
LUCKY200	Saves on EMI payments	Kissht users paying via Paytm	Up to ₹200	Not specified
EASY360	Reduces first month’s interest	UPI payment users, limited eligibility	₹360	March 2026
LUCKY282	Cashback on first repayment	All Kissht borrowers	₹282	December 2025

Here’s the catch: you must enter these codes during registration. Once you submit your application, you can’t add them later. Trust me, that ₹300 matters when you’re already paying high interest rates.

What Ring Offers (And What You Actually Get)

Ring partners with licensed financial institutions to offer three main products:

• Personal Loans: Up to ₹5 lakhs with repayment periods from 3 to 36 months. Most people use these for emergencies or unexpected expenses.
• Business Loans: Same limit of ₹5 Lakhs but only for Udyam registered entrepreneurs. Probably a good option if you need fast working capital.
• Insurance Products: For bike and accident insurance. These products feel more like add-ons rather than the main selling points.

The approval process is surprisingly simple. You need your Aadhaar card (with linked mobile), PAN card, bank details, and income information. Digital KYC happens through Digilocker, which speeds things up considerably.

How to Apply ring loan app promo code

Getting this right matters because you only get one chance. For detailed steps, check out how to take a loan from Ring App.

Step 1: Download the app from Google Play Store. Verify your phone number with the OTP they send.

Step 2: Fill out your personal information exactly as it appears on your PAN card. Any mismatch kills your application immediately.

Step 3: Scroll to the bottom of the personal details form. You’ll find the promo code field there.

Step 4: type ring loan app promo code carefully. The system won’t fix typos for you.

Step 5: Complete your application by clicking “Apply” and accepting the terms.

Miss this step and you lose ₹300. The system locks you out after submission, so there’s no going back.

Smart Borrowing Strategy

Ring works best for genuine emergencies. Medical bills, urgent home repairs, or business cash flow problems justify the high cost. Lifestyle purchases or impulse buys don’t.

Before applying, ask yourself three things: Do you really need the money now? What is the EMI you can siphon off from your cashflow and are you comfortable with it? Have you checked out cheaper options (like salary advances or asking family members for a loan)?

Be aware of penalty clauses. Missing payments not only affects your credit score, you may also be paying much more than you anticipated. If you miss ONE EMI payment, penalty fees plus what increased interest rates will apply.

Quick FAQ :-

Bottom Line

Ring Loan App delivers when you need cash fast. The five minute approval actually works, and digital processing eliminates paperwork headaches. But that 33% interest rate adds up quickly.

Use those ring loan app promo code to reduce fees. Apply “SHT300” during registration for ₹300 savings. In the world of expensive emergency loans, every rupee counts.