Ring Loan App Promo Code 2026: Official List (Verified)

Q: Q: Is the SHT300 code valid for existing users?

My View: No. This is strictly a ring loan app promo code today for new users only. If you already have a loan, this won't work.

Q: Q: Can I withdraw the loan to my bank account?

My View: Yes. Once approved, you can transfer the limit to your bank account immediately.

By Dinesh (Kangra, Himachal Pradesh)

Table of Contents

The Ring App is famous for one thing: Speed. But did you know you can also get a discount on your first transaction?

I know every rupee counts when you are borrowing. So, I verified the latest ring loan app promo code options myself. Most old codes like “RING500” are dead, but I found one that is still active for new users.

Quick Status Table (2026)

Code	Benefit	Status
`SHT300`	Save ₹300 Fee	Active
`RING500`	Save ₹500	(Expired)
`WELCOME`	Cashback	(Expired)

Why Ring Loan App Actually Delivers

(I am keeping this section because it is true). When you need money fast, traditional banks make you wait weeks. Ring changed that game.

Speed: You can get approved for up to ₹5 lakhs in just 5 minutes.
Documents: Most users get approved using just their Aadhaar card and PAN card.
Safety: It is RBI registered (working with legitimate NBFCs).

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.

When Should You Actually Use This? (My Advice)

Look, I only recommend Ring for real emergencies.

When I use it: Medical bill is due, or the car broke down and I need cash today.
When I avoid it: Buying a new phone or going on a trip. It is too expensive for that.

Brotherly Warning (High Interest): Please remember, Ring is not a bank. They charge high interest (18% to 36%).

My Strict Rule: I only borrow if I know I can pay it back next month.
The Danger: If you miss even ONE payment, the penalty fees are painful. Be very careful.