


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
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 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
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