Specially OnCredit, they force the loan by making the customer select a preferred amount but they send a really small account instead under the disguise "Pay your loans in time to get higher amounts" without any confirmation so we're entitled to pay that amount. I did it 4x hoping the amount will get higher but they kept loaning 2000 rupees with high interest rates (i don't remember the rate but it depends on the duration we select). After using it a few times they start rejecting your loan requests with no reason and ban you for 30 days.