Categories: Make Money

Best Instant Personal Loan Apps In India

Best instant personal loan apps in India, are one of the most searched topics in this digital world. In this digital world, where almost everything has gone digital, instant loans have also become considered the same. Today, people don’t want to waste their time going to banks and money lenders, following the paper-based procedure and getting the loan approved. But, looking for an option, from many available instant loan apps is one of the most difficult things to find.

Best instant personal loan apps in India, as an answer to all the questions, are given below with a brief explanation.


MoneyTap is one of the best instant personal loan apps in India that gives credit to the user in just a few clicks. MoneyTap provides loans in the fastest manner. After registering with details, MoneyTap shows a pre-approved limit to the user within a few minutes, the user can lend any amount of the limit in just a few clicks, anytime he/she wants.


As the name says, the PaySense instant loan app doesn’t only provide an instant application process but also provides instant approvals. Moreover, A user can also receive the amount within a few short hours if he/she is eligible and has provided all the necessary documents. Any person who is 18+ and has all the documents, can download the PaySense app and apply for a loan up to ₹2 lakhs.


Dhani is known as a one-stop loan app and one of the best instant personal loan apps in India. With being on the financial services front at Dhani, the customers can choose from a suite of products to help manage all their regular financial needs. The Dhani products include Dhani’s flagship product and the OneFreedom Card, which offers a credit limit from ₹10,000 to ₹5 lacs charging a nominal monthly fee.


IndiaLends is one of the best instant loan personal apps in India that provides its customers with financial products and services. IndiaLends provides financial services such as personal loans, unsecured loans, installment loans and credit cards. The app connects the borrowers with lenders to help them get the best deal possible.


KreditBee is an online instant loan platform that offers instant personal loans, especially to young professionals. Using KreditBee, a person can apply for personal loans starting from Rs. 1,000 through an online portal, with the repayment tenures ranging Up to 15 months. Repayment tenure shown on the application depends on the amount of loan availed.


NIRA known as one of the best instant personal loan apps in India is an instant loan that can be availed by a person by registering through the Nira app within 24 hours. NIRA loans are known as easy loans and do not require any documents or credit history. A person can avail personal loan from NIRA at minimum rates starting at 24% for a maximum tenure of 12 Months.


CASHe is a well-known instant loan app in India, specially made for young professionals, that allows young professionals to get loans within minutes, just with registration and without any paperwork or pain. Using CASHe a person can avail of loans ranging from ₹1,000 to ₹4,00,000 starting from days 90, 180, 270, 1 Year and 1.5 year days based on a person’s need.

Capital First Limited

Capital First Limited is a non-banking personal loan app that is also considered the best instant personal loan app in India. The company Capital First Limited provides instant loans with the least paperwork to all (small entrepreneurs, MSMEs and Indian consumers).

Credit Technologies

Credit Technologies well-known as Credit is a customer-oriented, instant loan app, that is known as a financing partner for Indian residents and is customer-oriented. The application utilizes technology for financing solutions to meet the needs of its customers with various products (products including debt consolidation education loans and personal loans). Credit Technologies have more than 15 years of experience in finance and technology.


MoneyView is one of the best instant personal loan apps in India that gives flexible repayment terms of up to 5 years. Loans approved from MoneyView get disbursed to a user’s account in just 24 hours of approval. With the lowest interest rates (1.33% a month or 16% a year), MoneyView does all documentation to repay processes digitally.


EarlySalary is another instant loans app that allows a person to directly transfer the money to the institution where he/she wants to pay. 

EarlySalary can grant various loans to people such as Shopping loans, Travel loans and Skill Upgrade loans. The loan taken from EarlySalary can be repaid within 3 to 12 EMIs, without any prepayment charges if a person wishes to prepay the loan before the tenure ends.


SmartCoin is one of the best instant loan apps in India that is an open-source P2P cryptocurrency that operates with no central authority or banks. Using SmartCoin payments can be sent to anyone and anywhere in the world. SmartCoin is improving its services day by day and will continue to evolve for the ever-changing needs of a smarter world.

Home Credit

Founded in 1997, Home Credit India is an instant loan app that is a part of the Home Credit Group, an international consumer finance provider that is operating in 9 countries. Home Credit’s responsible lending model empowers underserved customers with little or no credit history, enabling them to borrow loans easily and safely, both online and offline.


LazyPay is an instant loan app known to be the fastest way to get credit online. A person just has to enter his/her mobile and avail a personalised credit limit to confirm his/her online purchases. A person can use his/her LazyPay credit limit to Buy Now Pay Later when he/she shops online across 100+ apps and websites, such as Swiggy, Zomato, BookMyShow, Airtel and more.

AnyTime Loans, well-known as ATL, is a peer-to-peer lending platform known to be one of the best instant personal loan apps in India. A person can borrow unsecured loans by connecting with an array of lending partners like banks or individuals. In total, ATL has disbursed more than ₹.1 billion of loan amount and has around 715 registered lenders. Using this platform, a person can borrow three types of quick loans: personal loan, education loan, and MSME loan.


mPokket is a mobile application known as one of the best instant personal loan apps in India, especially for Indian college students and young salaried professionals. The loan amount from mPokket can vary between Rs. 500 to Rs. 20,000. Using this app, the loan amount can instantly be credited to a person’s bank account or Paytm wallet on approval.


FlexSalary App is an instant loan app that is India’s first app-based credit line. Using FlexSalary, salaried employees can get cash instantly to cover their emergency needs. Some of the noteworthy features of FlexSalary loan include a one-time application, one-time approval, open-ended loan, instant loan disbursal and flexible repayments.

Bajaj Finserv

The Bajaj Finserv is a digital payment app also used as an instant loan app, as it comes with a digital Insta EMI Card along with a debit and credit facility. The Bajaj Finserv app can also be used for managing a person’s payments as the app is connected with the MobiKwik platform.


Rupeeland is a semi-digital instant loan app considered one of the best instant personal loan apps in India. To take a loan from Rupeeland, Someone from Rupeelend will come to a person’s home or office and collect all the documents. Rupeelend doesn’t take that long to verify the documents and also the loan application gets approved on the very same day. With the loan application getting approved, the money also gets credited to the user’s account on the very same day and all financial requirements of a person get fulfilled.


PayMeIndia is an instant loan app that is designed to be completely user-friendly. For an emergency or any other short-term personal need, this is the perfect app for a person to seek instant financial help. PayMeIndia aims at creating the best products that will help people across segments, with any financial aid that they need.


LoanTap is considered one of the best instant personal loan apps in India that offers personal loans to its customers through an online platform. The loan amount from LoanTap is disbursed through an in-house non-banking financing company (NBFC).


RupeeRedee is an instant loan app known as the new-age financial services platform that leverages technology to make lending quick and easy. RupeeRedee facilitates the disbursal of short-term Personal Loans from its website and mobile app.


The StashFin is an instant loan app that works by providing a Credit Line Card, the card is a card on which users can avail of a real-time personal loan(s) with loan amounts and tenures of their choosing. The users can also use this Credit Line Card to withdraw cash from any ATM, swipe at any POS terminal or make purchases at any online merchant.


ZestMoney is an instant loan app that works as the fastest way to pay using EMI even if a person does not have a credit card. Using the ZestMoney online process a person can pay for his/her entire cart amount in EMIs of his/her choice as and when made available to the person by its lending partners.

Fullerton India

Fullerton India is one of the best instant personal loan apps in India that offer personal loans with flexible repayment tenure of 1-5 years. Based on the selected tenure, a person can pay his/her Fullerton loan EMIs online or via cheque. Fullerton India also gives an option of pre-repaying the loan before the fixed maturity date which is also known as a great way to save on the interest.

Cash Bean

CashBean is one of the best instant personal loan apps in India working as a lending platform for salaried professionals. CashBean is driven by the P C Financial Services Private Limited and also is an RBI registered NBFC. The instant loan app offers a personal loan through a smartphone within 10 minutes with minimal documentation. Personal loans from ₹1,000 can be borrowed using CashBean.


The Navi lending app is an instant loan app that will provide instant loans of up to ₹5 lakh with repayment tenures of up to 36 months. The Navi loan process is completed, using digital and contactless processes.


RapidRupee is one of the best instant personal loan apps in India that provides instant loans with digital and easiest procedures. Using RapidRupee a person can complete the verification process by uploading the documents, selecting the loan amount, repayment tenure and getting the loan approved.


InstaRupee is an instant loan app that provides personal cash loans with low-interest rates. The app makes it easy for a person to get instant loans for emergency use anytime, anywhere. Using InstaRupee a person can register in minutes, apply for a cash loan, and then receive money directly to his/her bank account. This is one of the fastest, most convenient and reliable ways to obtain credit when needed.


Finnable is one of the best instant personal loan apps in India, that provides loans within 48 hours. With the complete digital/paperless process Finnable instant loan app offers a complete digital service to provide financial help and save time.


Freecharge is an Indian financial services company with an instant loan app that is based in Gurgaon. The app allows the users to pay bills such as electricity, gas and telephone, as well as recharge mobile, broadband, DTH and metro cards. In addition, Freecharge also enables the users to invest in mutual funds and also get credit through Freecharge EMI.

Furthermore, these are the Best instant personal loan apps in India. With the growth of the digital world, the list of apps also will keep on continuing. For now, a person can choose any of these apps, according to his/her requirements and get an instant loan granted.

Lavina Santani

Lavina Santani is a professional content writer, who writes about product reviews, company information, job profiles and general topics. Other than this Lavina is also a teacher, is an overseas education counsellor and has also worked as a sales head. Lavina has completed her graduation from Vanita Vishram Women's College of Commerce.

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Lavina Santani