In general, it is not recommendable to adquire debt unless it is necessary.
I have seen some of those apps, specially I have seen Xiaomi's credit app called "Mi Credit", according what I have read it is popular in India (one's of Xiaomi's most important markets).
I am not familiarized with the interest of these apps and whether they are predatory or not, as a rule of thumb, credit is supposed to be a tool for emergency expenses but unfortunately I am aware that there are people in both developed and developing countries that put themselves in a position of increasing debt risking their credit scored and personal finances.
Getting loan or having debt is situational whether those funds being used on a good way or just simply trying up yourself to be that able to buy something that you do like thats why you do took some
loan but just like been said that it is really just for emergency purposes or something that you do treat up as a last resort if there nowhere you can run but if you do still have funds which you could
make use of various situations then it would be ideal if you do have done it that way.
Loan apps, i was aware of these things even into our local online wallet provider did really have that kind of offering but of course the interest is on the rooftop which makes even more worse.