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30 Best Instant Personal Loan Apps In India

30 Best Instant Personal Loan Apps In India

Traditional banks take a long time to process personal loan applications, and money lenders are known to charge high-interest rates making the process very dubious. In this whole financial setup, personal loan apps have emerged as an excellent idea to provide safe and hassle-free immediate cash loan in India within 1-hour.

Instant personal loan apps have changed the way we access funds. With plenty of options available in the market, choosing the best instant loan apps can be tricky. In this article, we have handpicked the best instant personal loan app in India 2025.

List of Personal Loan Apps in India

MoneyTap

Starts at 13%

Interest Rate

₹3,000 to ₹5 lakh

Loan Amount

4.1

App Rating

2 to 36 months

Tenure

Dhani

Starts at 13.99%

Interest Rate

₹1,000 to ₹15 lakh

Loan Amount

App Rating

3.3

Tenure

3 to 24 months

IndiaLends

Starts at 10.25%

Interest Rate

Loan Amount

₹15,000 to ₹50 lakh

Tenure

12 to 60 months

App Rating

4

KreditBee

Upto 29.95%

Interest Rate

Loan Amount

₹1,000 to ₹4 lakh

App Rating

4.5

Tenure

Upto 24 months

NIRA

Interest Rate

Starts at 24%

Loan Amount

₹10,000 to ₹1 lakh

Tenure

3 to 12 months

App Rating

4.3

Tenure

3 to 18 months

App Rating

3.7

CASHe

Interest Rate

Starts at 30%

Loan Amount

₹1000 to ₹4 lakh

moneyview

Interest Rate

Starts at 10%

Loan Amount

₹5,000 to ₹10 lakh

Tenure

Upto 60 months

App Rating

4.7

FIBE

Interest Rate

Starts at 12%

Loan Amount

₹8,000 to ₹10 lakh

Tenure

3 to 36 months

App Rating

4.4

Smart Coin

Interest Rate

Starts at 18%

Loan Amount

₹1,000 to ₹5 lakh

Tenure

2 to 24 months

App Rating

4.1

Home Credit

Interest Rate

Starts at 19%

Loan Amount

₹10,000 to ₹5 lakh

Tenure

12 to 48 months

App Rating

4.4

Lazy Pay

Interest Rate

Starts at 15%

Loan Amount

₹10,000 to ₹5 lakh

Tenure

3 to 24 months

App Rating

4.4

mPokket

Interest Rate

Starts at 24%

Loan Amount

₹500 to ₹45,000

Tenure

Max 90 days

App Rating

4.4

Flex Salary

Interest Rate

Starts at 18%

Loan Amount

Up to ₹2 lakh

Tenure

10 to 36 months

App Rating

4.5

Bajaj Finserv

Interest Rate

Starts at 11%

Loan Amount

Up to ₹50 lakh

Tenure

12 to 72 months

App Rating

4.5

Pay Me

Interest Rate

Starts at 18%

Loan Amount

₹500 to ₹5 lakh

Tenure

3 to 24 months

App Rating

3.9

Loan Tap

Interest Rate

Starts at 12%

Loan Amount

₹50,000 to ₹10 lakh

Tenure

6 to 60 months

App Rating

3.6

Pay Sense

Interest Rate

Starts at 14%

Loan Amount

₹5,000 to ₹5 lakh

Tenure

3 to 48 months

App Rating

3.7

Rupee Redee

Interest Rate

Starts at 30%

Loan Amount

₹1,000 to ₹25,000

Tenure

3 to 6 months

App Rating

2.8

Stashfin

Interest Rate

Starts at 11.99%

Loan Amount

₹1000 to ₹5 lakh

Tenure

3 to 36 months

App Rating

3.8

Credy

Interest Rate

Starts at 12%

Loan Amount

Up to ₹1 lakh

Tenure

3 to 12 months

Upwards

Interest Rate

Starts at 18%

Loan Amount

Up to ₹5 lakh

Tenure

Up to 60 months

App Rating

3.4

Zest

Interest Rate

Starts at 14%

Loan Amount

Up to ₹5 lakh

Tenure

3 to 6 months

App Rating

4

SMFG India Credit

Interest Rate

Starts at 13%

Loan Amount

₹50,000 - ₹25 lakh

Tenure

12 to 60 months

App Rating

2.2

Navi

Interest Rate

Starts at 9.9%

Loan Amount

Up to ₹20 lakh

Tenure

Upto 72 months

App Rating

4.3

Jupiter Money

Interest Rate

Starts at 26%

Loan Amount

Upto ₹5 lakh

Tenure

3 to 24 months

App Rating

4.4

Finnable

Interest Rate

Starts at 16%

Loan Amount

Upto ₹10 lakh

Tenure

3 to 48 months

App Rating

4.2

Buddy Loan

Interest Rate

Starts at 11.99%

Loan Amount

₹10,000 to ₹15 lakh

Tenure

6 months to 5 years

App Rating

4.5

Payme India

Interest Rate

Starts at 18%

Loan Amount

Upto ₹5 lakh

Tenure

Upto 24 months

App Rating

3.7

True Balance

Interest Rate

Starts at 28.8

Loan Amount

₹5,000  to ₹1.25 Lakh

Tenure

3 to 12 months

App Rating

4.1

Pocketly

Interest Rate

Starts at 24%

Loan Amount

₹500 to ₹50,000

Tenure

1 to 6 months

App Rating

4.2

List of Personal Loan Apps in India

App

Interest Rate

Loan Amount

Tenure

App Rating

Download
App

Starts at 13%

₹3,000 to ₹5 lakh

2 to 36 months

4.1

Starts at 13.99%

₹1,000 to ₹15 lakh

3 to 24 months

3.3

Starts at 10.25%

₹15,000 to ₹50 lakh

12 to 60 months

4

Upto 29.95%

₹1,000 to ₹4 lakh

Upto 24 months

4.5

Starts at 24%

₹10,000 – ₹1 lakh

3 to 12 months

4.3

Starts at 30%

₹1000 to ₹4 lakh

3 to 18 months

3.7

Starts at 10%

₹5,000 to ₹10 lakh

Upto 60 months

4.7

Starts at 12%

₹8,000 to ₹10 lakh

3 to 36 months

4.4

Starts at 18%

₹1,000 to ₹5 lakh

2 to 24 months



4.1

Starts at 19%

₹10,000 to ₹5 lakh

12 to 48 months

4.4

Starts at 15%

₹10,000 to ₹5 lakh

3 to 24 months

4.4

Starts at 24%

₹500 to ₹45,000

Max 90 days

4.4

Starts at 18%

Up to ₹2 lakh

10 to 36 months

4.5

Starts at 11%

Up to ₹50 lakh

12 to 72 months

4.5

Starts at 18%

₹500 to ₹5 lakh

3 to 24 months

3.9

Starts at 12%

₹50,000 to ₹10 lakh

6 to 60 months

3.6

Starts at 14%

₹5,000 to ₹5 lakh

3 to 48 months

3.7

Starts at 30%

₹1,000 to ₹25,000

3 to 6 months



2.8

Starts at 11.99%

₹1000 to ₹5 lakh

3 to 36 months

3.8

Starts at 18%

Up to ₹5 lakh

Up to 60 months

3.4

Starts at 14%

Up to ₹5 lakh

3 to 6 months

4

Starts at 13%

₹50,000 - ₹25 lakh

12 to 60 months

2.2

Starts at 9.9%

Up to ₹20 lakh

Upto 72 months

4.3

Starts at 26%

Upto ₹5 lakh

3 to 24 months

4.4


Starts at 16%

Upto ₹10 lakh

3 to 48 months

4.2


Starts at 11.99%

₹10,000 to ₹15 lakh

6 months to 5 years

4.5


Starts at 18%

Upto ₹5 lakh

Upto 24 months

3.7


Starts at 28.8

₹5,000  to ₹1.25 Lakh

3 to 12 months

4.1


Starts at 24%

₹500 to ₹50,000

1 to 6 months

4.2

Starts at 12%

Up to ₹1 lakh

3 to 12 months

Data Source: Google Play Store and respective apps’ websites. (Last checked – 6th Jan, 2025)

Data Source: Google Play Store and respective apps’ websites. (Last checked – 6th Jan, 2025)

When you are in urgent need of a quick cash loan, there are very few options available. One is to seek a personal loan from traditional banks, which can be a time-consuming process requiring a lot of paperwork and multiple document submissions.

The other option is taking a loan through a credit card, but interest rates are extremely high. Asking your friends or relatives for money is another option, but it can be embarrassing. And not everyone is lucky enough to get a salary advance loan in India from their employers. So, the best option for a quick cash loan in India is through personal loan apps. The internet has revolutionised the way India works. Today you can purchase anything from vegetables to a Smart TV and more, sitting in the comfort of your home. The situation is no different if you need fast and easy instant personal loans in India. There are the best instant loan apps in India, which can make your personal loan process a lot easier and more convenient. You can apply online with the requisite scanned documents, and the loan amount can be delivered to your doorstep or credited to your bank account, depending on your convenience.

Dhani

Starts at 13.99%

Interest Rate

₹1,000 to ₹15 lakh

Loan Amount

App Rating

3.3

Tenure

3 to 24 months

MoneyTap

Interest Rate

Starts at 13%

Loan Amount

₹3,000 to ₹5 lakh

App Rating

4.1

Tenure

2 to 36 months

List of Personal Loan Apps in India

IndiaLends

Starts at 10.25%

Interest Rate

Loan Amount

₹15,000 to ₹50 lakh

Tenure

12 to 60 months

App Rating

4

KreditBee

Upto 29.95%

Interest Rate

Loan Amount

₹1,000 to ₹4 lakh

App Rating

4.5

Tenure

Upto 24 months

NIRA

Interest Rate

Starts at 24%

Loan Amount

₹10,000 to ₹1 lakh

Tenure

3 to 12 months

App Rating

4.3

Tenure

3 to 18 months

App Rating

3.7

CASHe

Interest Rate

Starts at 30%

Loan Amount

₹1000 to ₹4 lakh

moneyview

Interest Rate

Starts at 10%

Loan Amount

₹5,000 to ₹10 lakh

Tenure

Upto 60 months

App Rating

4.7

FIBE

Interest Rate

Starts at 12%

Loan Amount

₹8,000 to ₹10 lakh

Tenure

3 to 36 months

App Rating

4.4

Smart Coin

Interest Rate

Starts at 18%

Loan Amount

₹1,000 to ₹5 lakh

Tenure

2 to 24 months

App Rating

4.1

Home Credit

Interest Rate

Starts at 19%

Loan Amount

₹10,000 to ₹5 lakh

Tenure

12 to 48 months

App Rating

4.4

Lazy Pay

Interest Rate

Starts at 15%

Loan Amount

₹10,000 to ₹5 lakh

Tenure

3 to 24 months

App Rating

4.4

mPokket

Interest Rate

Starts at 24%

Loan Amount

₹500 to ₹45,000

Tenure

Max 90 days

App Rating

4.4

Flex Salary

Interest Rate

Starts at 18%

Loan Amount

Up to ₹2 lakh

Tenure

10 to 36 months

App Rating

4.5

Bajaj Finserv

Interest Rate

Starts at 11%

Loan Amount

Up to ₹50 lakh

Tenure

12 to 72 months

App Rating

4.5

Pay Me

Interest Rate

Starts at 18%

Loan Amount

₹500 to ₹5 lakh

Tenure

3 to 24 months

App Rating

3.9

Loan Tap

Interest Rate

Starts at 12%

Loan Amount

₹50,000 to ₹10 lakh

Tenure

6 to 60 months

App Rating

3.6

Pay Sense

Interest Rate

Starts at 14%

Loan Amount

₹5,000 to ₹5 lakh

Tenure

3 to 48 months

App Rating

3.7

Rupee Redee

Interest Rate

Starts at 30%

Loan Amount

₹1,000 to ₹25,000

Tenure

3 to 6 months

App Rating

2.8

Stashfin

Interest Rate

Starts at 11.99%

Loan Amount

₹1000 to ₹5 lakh

Tenure

3 to 36 months

App Rating

3.8

Credy

Interest Rate

Starts at 12%

Loan Amount

Up to ₹1 lakh

Tenure

3 to 12 months

Upwards

Interest Rate

Starts at 18%

Loan Amount

Up to ₹5 lakh

Tenure

Up to 60 months

App Rating

3.4

Zest

Interest Rate

Starts at 14%

Loan Amount

Up to ₹5 lakh

Tenure

3 to 6 months

App Rating

4

SMFG India Credit

Interest Rate

Starts at 13%

Loan Amount

₹50,000 - ₹25 lakh

Tenure

12 to 60 months

App Rating

2.2

Navi

Interest Rate

Starts at 9.9%

Loan Amount

Up to ₹20 lakh

Tenure

Upto 72 months

App Rating

4.3

Jupiter Money

Interest Rate

Starts at 26%

Loan Amount

Upto ₹5 lakh

Tenure

3 to 24 months

App Rating

4.4

Finnable

Interest Rate

Starts at 16%

Loan Amount

Upto ₹10 lakh

Tenure

3 to 48 months

App Rating

4.2

Buddy Loan

Interest Rate

Starts at 11.99%

Loan Amount

₹10,000 to ₹15 lakh

Tenure

6 months to 5 years

App Rating

4.5

Payme India

Interest Rate

Starts at 18%

Loan Amount

Upto ₹5 lakh

Tenure

Upto 24 months

App Rating

3.7

True Balance

Interest Rate

Starts at 28.8

Loan Amount

₹5,000  to ₹1.25 Lakh

Tenure

3 to 12 months

App Rating

4.1

Pocketly

Interest Rate

Starts at 24%

Loan Amount

₹500 to ₹50,000

Tenure

1 to 6 months

App Rating

4.2

Data Source: Google Play Store and respective apps’ websites. (Last checked – 6th Aug, 2024)

When you are in urgent need of a quick cash loan, there are very few options available. One is to seek a personal loan from traditional banks, which can be a time-consuming process requiring a lot of paperwork and multiple document submissions.

The other option is taking a loan through a credit card, but interest rates are extremely high. Asking your friends or relatives for money is another option, but it can be embarrassing. And not everyone is lucky enough to get a salary advance loan in India from their employers. So, the best option for a quick cash loan in India is through personal loan apps. The internet has revolutionised the way India works. Today you can purchase anything from vegetables to a Smart TV and more, sitting in the comfort of your home. The situation is no different if you need fast and easy instant personal loans in India. There are the best instant loan apps in India, which can make your personal loan process a lot easier and more convenient. You can apply online with the requisite scanned documents, and the loan amount can be delivered to your doorstep or credited to your bank account, depending on your convenience.

Best Instant Personal Loan Apps in India

1

MoneyTap

MoneyTap

MoneyTap is revolutionising personal loans in India. The unique no-usage-no-interest feature ensures affordability, as users only pay interest on the amount utilised. Serving major cities like Delhi NCR, Mumbai, Bangalore, Hyderabad, and Chennai, as well as 30+ other Indian cities, MoneyTap provides a flexible loan.

Let’s understand the MoneyTap experience with an example.

Imagine Arjun is approved for a ₹1 lakh loan but only uses ₹50,000. Unlike traditional loans charging interest on the entire amount, MoneyTap charges interest solely on the used ₹50,000. At a 13% interest rate, Arjun pays only ₹56,500 at the end of the year compared to the hefty ₹113,000 he would have had to pay with a traditional personal loan.

Instant Approval: Get online approval in 4 minutes with minimal documentation.

Borrow in Parts: Borrow any amount from ₹3,000 up to your approved borrowing limit, paying interest only on what you use.

Save on Interest: Interest is charged solely on the used amount, starting as low as 1.08% per month.

Doubles as a Credit Card: Enjoy a complimentary MoneyTap-RBL Credit Card for flexible spending.

Flexible Repayments: Choose from