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Top 10 instant personal loan giving app

Top 10 instant personal loan giving app

1. MoneyTap

MoneyApp is India's first application based credit line. The best part is its no-use-no-interest feature, which makes it more affordable to take credit. Thanks to this feature, you only pay interest on the amount used. It is a personal loan application that provides customers with a line of credit, which works like an instant loan or credit card. MoneyApp is essentially a money-making company with flexible interest rates, currently serving customers in Delhi NCR, Mumbai, Bangalore, Hyderabad and Chennai as well as 30+ cities in India. Let’s take a look at a hypothetical example to understand how Money’s Pani Personal Loan 2.0 works: Arjun is allowed for a credit line of Rs 1 lakh with Money app but only uses Rs 50,000.
If he had taken a traditional personal loan, he would have been charged interest on the entire entire 1 lakh from that day. But, with Money With P, interest will be charged only on the amount it uses (000 50,000). With Money App: Assuming payment after 1 year, 13% interest rate, loan amount =, 000 100,000, used only = ફક્ત 50,000: 50,000 x 13 = 56,500, Arjun will pay 56,500 by the end of the year. With a traditional personal loan: 13% interest rate, loan amount = ₹ 100,000: 100,000 X 13 = 113,000 Assuming the amount to be repaid after 1 year, Arjun will pay 3 113,000 by the end of the year.

2. PaySense

Founded by Sayalikaranjkar and Prashant Ranganathan, Patience is an instant money app that offers instant cash loans online. You can use a phone or laptop to verify the eligibility of your loan, submit your KYC details and apply for a loan, get approval within 5 hours. Company loans Loans up to Rs 5 lakh are offered online personal loans and you can use anywhere from ₹ 5,000 up to your full approval limit at a time. Patience also offers an EMI calculator, through which you can check how much you can pay each month.

3. Dhani

Dhani has done popular marketing as a phone se loan application, instantly disbursing the loan amount to your bank account. You can apply for a personal loan anytime, anywhere. You can get a loan of up to Lakh 15 lakh immediately at an interest rate starting from 12%. You can download Dhani Loan application for free, enter your Aadhaar card number, your loan amount and get the loan amount in your account instantly.

4. IndiaLends

Indialands is one of India's cash loan applications for instant personal loans, credit cards and non-credit fee credit reports. Indialands offers inst online personal loans with the best interest rates and disburses loans within 48 hours. India Lands' Instant Loan application in India makes extensive use of data and technology to improve workflow and risk assessment so that the loan disbursement process remains efficient, short and easy.



CreditB is an instant personal loan application for young professionals. You can get a loan of up to Lakh 1 Lakh. The loan process is 100% online. Delivery is made within 15 minutes, and the amount is credited directly to your bank account.


Nira is a fintech company that gives a line of credit to salaried professionals in India. The personal loan offered to you is in the form of a line of credit, with a credit limit ranging from 3,000 to 1 lakh. The term of the loan is from 3 months to 1 year. You can withdraw at least ₹ 5,000 each time. The interest on the loan amount depends on how much you borrow and when you repay the loan.


Cash is an application-based digital lending platform that offers short-term personal loans for a variety of financial needs, but only to salaried individuals. You need to provide documents like salary slip, bank statements, address proof and PAN card, all of which can be uploaded through the cash loan application when applying for a loan. You can also check loan online loan eligibility and interest rate using a quick calculator. Approved loan amounts can range from 5,000 to Lakh days, ranging from 15 days to 6 months. Payment can be made every month by bank transfer or check deposit.


Capital First's instant loan application in India is a one stop solution for most of your financing needs. Your loan online loan application is approved within 2 minutes. The company provides a flexible repayment period of 1 to 5 years for loan amounts ranging from Rs 1 lakh to ₹ 25 lakh. If you are an existing customer, you can easily access your loan account details, statement details and service requests. You can also check your outstanding balance and your payment dates.


Credit is one of the fastest loan applications in India that offers personal loans on personal terms. With no hidden costs, no collateral or guarantee required, fast and online processing and acceptance of low CIBIL scores, credit is easy, fast and low cost. The company provides a loan period of 3 to 15 months for an amount ranging from ₹ 10,000 to Lakh 1 lakh. Interest rates start at 12% per annum. You can use Credit for quick cash loans, lifestyle enhancement, refinancing loan and credit card bills, and credit education - for yourself or your children.

List of the best instant personal loan apps in India:

AppInterest Rate (per month)Minimum & Maximum Loan AmountApp Rating (Out of 5)Download App MoneyTap 1.08-2.03% ₹ 3,000 – ₹ 5 Lakh 4.3

PaySense 1.08 – 2.33% ₹ 5,000 – ₹ 5 Lakh 4 Download App
Dhani 1 – 3.17 % ₹ 1,000 – ₹ 15 Lakh 3.9 Download App
IndiaLends 0.9 – 3 % ₹ 15,000 – ₹ 50 Lakh 4.5 Download App
KreditBee 2 – 3% ₹ 1,000 – ₹ 1 Lakh 4.5 Download App
NIRA 1.5 – 2.5% ₹ 3,000 – ₹ 1 Lakh 4.1 Download App
CashE Starts from 1.75% ₹ 5,000 – ₹ 2 Lakh 4.2 Download App
Capital First Limited 1.16 – 1.33% ₹ 1 Lakh – ₹ 25 Lakh 4.4 Download App
Credy 1 – 1.5% ₹ 10,000 – ₹ 1 Lakh 4.1 Download App
Money View 1.33 – 2% ₹ 10,000 – ₹ 5 Lakh 4.3 Download App
Early Salary 2 – 2.5% ₹ 3,000 – ₹ 2 Lakh 4.2 Download App
SmartCoin 2.5 – 3% ₹ 1,000 – ₹ 25,000 4 Download App
Home Credit 2.4 – 3.3% ₹ 10,000 – ₹ 2 Lakh 4.2 Download App
LazyPay 1.25 – 2.6% ₹ 10,000 – ₹ 1 Lakh 4.2 Download App
AnyTime Loans 1.5 – 4.5% ₹ 1,000 – ₹ 10 Lakh 3 Download App
mPokket Starts from 3.5% ₹ 500 – No Max. limit 4.5 Download App
Flexsalary Up to 3% per month ₹ 4,000 – ₹ 2 Lakh 4.1 Download App
Bajaj Finserv Starts from 12.99% Up to ₹ 25 Lakh 3.9 Download App
Rupeelend 3 – 30% ₹ 10,000 to ₹ 1,00,000 3 Download App
PayMeIndia 2 – 6% ₹ 1,000 to ₹ 1,00,000 4 Download App
LoanTap 1.5 – 3% ₹ 50,000 to ₹ 10,00,000 3.2 Download App
StashFin 1 – 5% ₹ 500 – ₹ 5,00,000 3.4 Download App
Data Source: Google Play Store and respective apps’ websites.

With the Money View Personal Loan app, you can get a personal loan in just 2 hours. Whether you want to rebuild your home, buy an expensive ride or cover your wedding expenses, a personal loan from Money View is completely paperless, fast, easy and flexible. Money view loans range from 10,000 10,000 to Lakh 5 million. Payment terms are flexible and range from 3 months to 5 years.


In the end, fintech startup Early Allari is making waves in India with its financing methods. Its personal loan application allows an easy and fast way to get an instant loan. The loan amount limit from 2% per month at interest rate is up to Lakh 2 lakhs.

Smartcoin is a fintech company that offers its customers a user-friendly and scalable lending platform with a mission. It is a personal loan application in India that provides instant loans to individuals looking for short term personal loans. Use its Mini Loan app to get loans from Mini 1,000 to 25,000. The company provides all profiles without any minimum limit on salaries unlike support executives, business owners, salaried professionals, managers, stay-at-home moms, teachers and other personal loan applications.


Home Credit India is part of the International Home Credit Group with a presence in ten countries in Europe and Asia. The India chapter started in 2012 and is already working in more than 60 cities in 15 states. The personal loan application allows for personal loans up to ₹ 2 lakh with a repayment period of 9 months to 4 years. Instant loan application in India makes financial services easy, transparent and easily accessible to you.

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