30 Best Instant Loan Apps in India (2024) – Reviews and Ratings

30 Best Instant Loan Apps in India

App NameMinimum Loan AmountMaximum Loan AmountInterest Rate (per month)TenureWebsite Link
MoneyTap₹3,000₹5 lakh1.08% – 1.33%2 months to 36 monthsMoneyTap
PaySense₹1,000₹15 lakhStarting at 13.99% P.A3 months to 24 monthsPaySense
KreditBee₹1,000₹4 lakh1.02 – 2.49%Max 24 monthsKreditBee
CASHe₹10,000₹1 lakh1.67% – 2.25%3 months to 12 monthsCASHe
SmartCoin₹1,000₹4 lakh2.50%3 months – 18 months[SmartCoin]
Money View₹5,000₹10 lakh1.33%Upto 60 months[Money View]
EarlySalary₹8,000₹10 lakh12% – 30% (P.A.)3 months to 36 months[EarlySalary]
NIRA₹5,000₹1 lakh1.4 – 2.3%3 months – 48 months[NIRA]
IIFL Loans App₹50,000₹25 lakh11.99% – 23.99% (P.A)12 months to 60 months[IIFL Loans App]
ZestMoney₹5,000₹5 lakh9.9% p.a. onwards12 months – 72 months[ZestMoney]
mPokket₹500₹45,0001% – 6%Max 4 months[mPokket]
Bajaj Finserv₹50,000₹10 lakh12% – 24%6 months to 60 months[Bajaj Finserv]
FlexSalary₹4,000₹2 lakh3%Flexible[FlexSalary]
Credy₹10,000₹1 lakh1% – 1.5%3 months to 12 months[Credy]
Indiabulls Dhani₹1,000₹15 lakhStarting from 11.99%3 months to 36 months[Indiabulls Dhani]
Home Credit₹10,000₹2.4 lakh24% – 49% (P.A.)9 months to 48 months[Home Credit]
Capital First₹1 lakh₹25 lakh12% – 18% (P.A.)12 months to 60 months[Capital First]
LazyPay₹10,000₹1 lakh15% – 32% (P.A.)3 months to 24 months[LazyPay]
RupeeLend₹10,000₹1 lakh0.1% per day61 days to 90 days[RupeeLend]
AnyTime Loan₹1,000₹10 lakh18% – 54% (APR)10 months – 36 months[AnyTime Loan]
LoanTap₹50,000₹10 lakh18% – 30% (P.A.)6 months to 60 months[LoanTap]

MoneyTap

MoneyTap, a leading lending app in India, provides personal loans up to ₹5 lakh instantly. MoneyTap advantages:

  • The loaned amount might be charged interest by MoneyTap.
  • Multiple withdrawals are free.
  • EMIs are affordable and MoneyTap provides 2–36-month payback periods.
  • MoneyTap costs 1.08%–1.33% per month, less than credit cards or payday loans.
  • Secure, collateral-free MoneyTap software.
  • Loan applications may be submitted in minutes and approved in seconds with little paperwork.
  • MoneyTap checks credit, transfers balances, and gives incentives.

PaySense

Lifesaver in Every Situation: Need money for a medical emergency, house renovation, study session, dream vacation, or wedding? PaySense protects you!

  • Application as fast as Flash: Imagine getting a loan in minutes and easily. Loan applications are ‘easy button’ with PaySense.
  • Rapid Approval and Cash Splash: Drumroll, please! Get approved and get your money within 24 hours. Talking fast remedies!
  • Flexible Payback Dance: PaySense recognizes everyone dances differently. A 3–24-month groove with 13.99% annual interest is available.
  • Free of Strings Want to pay off your debt early? PaySense won’t penalize you.
  • 24/7 Customer Service: Urgent questions at 3 AM? No problem! PaySense’s 24/7 support team rescues from confused island.

KreditBee 

KreditBee offers cash on demand up to ₹4 lakh. Credit and eligibility determine numbers.

  • Rapid Funds: Receive cash in 15 minutes after approval today. Consider loan speed dating!
  • EMI: No loan jargon. Simple EMIs with a 24-month cap.
  • Choose your own rhythm with Flexi-Repays! part payment, pre-closure, or loan extension.
  • Bank-Friendly Interest Rates and Relax with monthly interest rates from 1.02% to 2.49%. Your pocketbook will rejoice.
  • Playground Financial: Beyond loans. Get insurance, mutual funds, credit cards, and more via the KreditBee app!

CASHe

CASHe is a loan app that provides instant personal loans for young salaried professionals. Some of the benefits of using CASHe are:

  • You can get loans from ₹10,000 to ₹1 lakh, depending on your income and credit score.
  • You can get funds in your bank account within minutes of approval.
  • You can repay your loan in easy EMIs, with a tenure of 3 months to 12 months.
  • You can also avail of flexible repayment options, such as part payment, pre-closure, and extension.
  • You can enjoy low interest rates of 1.67% to 2.25% per month, depending on the loan amount and tenure.
  • You can also access other financial products, such as insurance, mutual funds, and credit cards, through the CASHe app.

SmartCoin

The SmartCoin lending app offers micro loans for education, travel, medical, and commercial objectives. Benefits of SmartCoin include:

  • Need fast cash? CASHe offers loans from ₹10,000 to ₹1 lakh. Your credit score and income shine.
  • Instant Cash: Imagine instant bank account funding and approval. Stop awaiting!
  • No loan jargon—EMI Made Easy! Relaxed EMIs let you groove for 3–12 months.
  • Flexible-Repays: You Decide! Pre-closure, part payment, or extension—CASHe allows financial dancing.
  • Let 1.67% to 2.25% monthly interest rates serenade you. Your wallet’s new pal.
  • Financial Wonderland: Extra! CASCredit isn’t his only focus. The app offers insurance, mutual funds, credit cards, and more!

Money View

The Money View loan app offers personal loans for home remodeling, wedding, travel, debt reduction, and more. Benefits of Money View include:

  • Customized Money: Get ₹5,000 or ₹10 lakh coverage with Money View. Income and credit score are financial superpowers.
  • Fast financing in 2 hours Flat: Two hours for picture approval and bank deposit. One blink makes you rich!
  • The EMI Groove Loan-free vocabulary! Simple EMIs allow 60-month repayments.
  • With Flexi-Repays, dance your way! Money View maestros can pre-close, prolong, or pay.
  • Enjoy cheap monthly rates of 1.33%. Wallets rejoice.
  • Economies Wonder Awaits: MoneyView covers loans The software sells credit cards, mutual funds, and insurance.

EarlySalary

EarlySalary offers salary advances and fast personal loans for rent, bills, travel, shopping, and more. Benefits of EarlySalary include:

  • Cash Customized for You: From ₹8,000 to ₹10 lakh, EarlySalary customizes loans based on your salary and credit score. Consider it a pocket financial genius.
  • Blink and Miss It: Flash Funds Consider approval now, bank account funds in minutes. No waiting—it’s the loan Flash!
  • Avoid loan jargon with EMI Groove! Smoothly repay with affordable EMIs over 3–36 months. Repayment dancing party!
  • Flexible-Repays, Be the Maestro: Dance your way! Pre-closure, part payment, or extension—EarlySalary lets you lead.
  • Enjoy cheap interest rates from 12% to 30% each year. Your pocketbook is cheering louder than a concert audience!
  • Financial playground: wait, there’s more! EarlySalary goes beyond loans. 

NIRA

The NIRA loan app offers modest personal loans for education, health, vacation, and more. Use of NIRA advantages include:

  • Money tailored to you: NIRA customizes loans from ₹5,000 to ₹1 lakh based on your income and credit history. Like carrying a financial expert.
  • Instant Funds: Imagine today’s permission and 3-hour bank deposit. Fast, right? The Snap of loans eliminates twiddling!
  • Simply said, EMI ease eliminates loan jargon! Smoothly repay with affordable EMIs over 3 to 48 months. You’ll like this EMI playlist!
  • Dance to your own rhythm with Flexi-Repays! Part payment, pre-closure, or extension—NIRA lets you decide.
  • Reduced monthly interest rates of 1.4% to 2.3% are delicious. Your pocketbook cheers louder than a musical encore!
  • Financial Wonderland Waits: More! NIRA goes beyond loans. 

IIFL Loans App

IIFL Loans App offers personal, business, housing, gold, and other loans. IIFL Loans App advantages include:

  • Cash for You: IIFL Loans App customizes loans based on your eligibility and credit profile, from ₹50,000 to ₹25 lakh. It’s like a pocket financial assistant.
  • Flash Funds, No Wait: Imagine approval today, bank funds within 24 hours. The Flash of loans eliminates finger tapping!
  • EMI Groove, No Drama: Avoid loan jargon! Navigate 12–60-month repayments with simple EMIs. EMI fans will appreciate this playlist.
  • Dance to your own rhythm with Flexi-Repays! Part payment, pre-closure, or extension—IIFL Loans App lets you decide.
  • Enjoy affordable financing rates from 11.99% to 23.99% each year. Your pocketbook cheers louder than a musical encore!
  • Financial Wonderland Waits: More! IIFL Loans App goes beyond loans. 

ZestMoney

ZestMoney offers free EMI loans for online shopping, travel, education, and more. ZestMoney perks include:

  • Cash tailored to you: Need a boost? ZestMoney customizes loans to your credit profile and qualifications, from ₹5,000 to ₹5 lakh. It’s like carrying a financial expert.
  • Flash Funds, No Wait: Getting approved today, getting cash in your bank account or paying partner merchants in minutes. No more waiting—it’s the loan Flash!
  • EMI Groove, No Drama: Avoid loan jargon! Rhythmically repay with affordable EMIs over 12–72 months. EMI fans will appreciate this playlist.
  • The great deal: no-cost EMI alternatives. NO interest or processing costs! Your pocketbook dances happily.
  • Low Interest Serenade: Enjoy low interest rates from 9.9% per year. Your pocketbook cheers louder than a musical encore!
  • Financial Wonderland Waits: More! ZestMoney goes beyond loans. 

mPokket

College students and young professionals may get quick loans from mPokket. Benefits of mPokket include:

  • Get loans ranging from ₹500 to ₹45,000 based on your credit profile and eligibility.
  • Bank accounts or Paytm wallets can receive funds within 10 minutes after approval.
  • Your loan may be repaid in simple EMIs over 4 months.
  • Part payment, pre-closure, and extension are also available.
  • Depending on loan size and duration, monthly interest rates are 1% to 6%.
  • Insurance, mutual funds, and credit cards are on mPokket.

Bajaj Finserv

Bajaj Finserv offers personal, business, house, gold, and other loans via its lending app. Benefits of Bajaj Finserv include:

  • Cash tailored to you: Need money? Bajaj Finserv customizes loans to your credit profile and qualifications, from ₹50,000 to ₹10 lakh. It’s like carrying your financial wizard.
  • Flash Funds, No Wait: Consider approval now, bank money within 24 hours. No more waiting—it’s the loan Flash!
  • Avoid loan jargon with EMI Groove! Navigate 6–60-month repayments with simple EMIs. Enjoy this EMI playlist.
  • Dance to your own rhythm with Flexi-Repays! Part payment, pre-closure, or extension—Bajaj Finserv lets you decide.
  • Enjoy cheap interest rates from 12% to 24% each year. Your pocketbook cheers louder than a musical encore!
  • Financial Wonderland Waits: More! Bajaj Finserv goes beyond loans. 

FlexSalary

Loan app FlexSalary offers salary advances and personal lines of credit for rent, bills, travel, shopping, etc. FlexSalary perks include:

  • You Need Cash: Need money fast? FlexSalary customizes loans based on your salary and credit score, from ₹4,000 to ₹2 lakh. Your own financial cheerleader.
  • Fast, no-wait funding: Imagine same-day approval and bank account dollars in minutes. It’s the loan Flash—no more waiting!
  • Avoid loan jargon with EMI Groove, No Drama! Flow through repayments with low EMIs and a flexible duration. Enjoyable EMI playlist.
  • Dance your own rhythm with Flexi-Repays! FlexSalary enables you lead part payment, pre-closure, or extension.
  • Low-Interest Serenade: Enjoy 3% monthly interest rates. Wallets applaud louder than musical encores!
  • Economic Wonderland There’s more! FlexSalary provides more than loans. Insurance, mutual funds, credit cards, and more await in the app!

Credy

Credy is an app that offers personal loans for education, health, vacation, etc. Credy advantages include:

  • Looking for fast cash? Credy customizes loans based on income and credit – from ₹10,000 to ₹1 lakh. Personal finance superhero.
  • Instant Funds: Imagine this – approval today, funds in your bank account within 24 hours. Loan Flash: no more waiting!
  • Don’t worry about loan lingo with EMI Groove! Easily repay with 3–12 month EMIs. This EMI playlist is fun.
  • Dance your way with Flexi-Repays! Credy enables you lead part payment, pre-closure, or extension.
  • Indulge in 1% to 1.5% monthly interest rates. Dollars applaud louder than encores!
  • Wonderland Finance Expects: Besides loans, Credy offers more.

Indiabulls Dhani

Indiabulls Dhani offers personal, business, automobile, bike, and other loans. Indiabulls Dhani advantages include:

  • Looking for fast cash? Indiabulls Dhani offers loans that fit your credit profile and qualifications, from ₹1,000 to ₹15 lakh. A financial companion who understands you is like that.
  • Instant Funds: Picture today’s approval and minutes’ bank deposits. The loan Flash eliminates twiddling!
  • Don’t worry about loan lingo with EMI Groove! Enjoy 3–36-month EMIs and simple repayments. This EMI playlist is fun.
  • Dance your way with Flexi-Repays! Take charge with Indiabulls Dhani’s part payment, pre-closure, or extension.
  • Low-Interest Serenade: Enjoy 11.99% annual low-interest rates. Dollars applaud louder than encores!
  • Wonderland Finance Expects: Indobulls Dhani goes beyond loans.

Home Credit

Home Credit offers personal, consumer durable, two-wheeler, and other loans. Benefits of Home Credit include:

  • Personalised Cash: Extra cash? Whether you need a ₹10,000 or ₹2.4 lakh loan, Home Credit customizes your eligibility and credit profile. Like a financial friend who knows your hopes.
  • Instant Funds: Imagine getting approved now and getting money in 24 hours. Flash loans—no waiting!
  • Forget loan lingo—EMI Groove, No Drama! Enjoy 9–48-month EMIs and simple repayments. This EMI playlist is fun.
  • Dance your way with Flexi-Repays! You decide with Home Credit’s part payment, pre-closure, or extension.
  • Low Interest Serenade: Enjoy 24% to 49% annual interest rates. Dollars applaud louder than encores!
  • Wonderland Finance Expects: Non-loan home credit exists. 

Capital First

Capital First offers personal, business, house, gold, and other loans via its smartphone. Benefits of Capital First include:

  • Personalised Cash: Need some additional cash? From ₹1 lakh to ₹25 lakh, Capital First customizes loans based on your credit history and eligibility. Like having a financial friend.
  • Fast, no-wait funding: Picture today’s permission, 24-hour bank account money. The Flash of loans ends clock-watching!
  • Avoid loan jargon with EMI Groove, No Drama! Easily repay with EMIs over 12–60 months. Enjoyable EMI playlist.
  • Dance your own rhythm with Flexi-Repays! Take charge with Capital First’s part payment, pre-closure, or extension.
  • Enjoy low-interest rates from 12% to 18% each year. Wallets applaud louder than musical encores!
  • In addition to loans, Capital First. Insurance, mutual funds, credit cards, and more await in the app.

LazyPay

Loan app LazyPay offers pay-later loans for online shopping, vacation, meal delivery, and more. LazyPay perks include:

  • Customized Cash: Need additional cash? LazyPay offers loans ranging from ₹10,000 to ₹1 lakh, according to your eligibility and credit profile. Like having a financial ally who speaks your language.
  • Flash Funds, No Wait: Imagine approval today, bank account funds in minutes, or partner swipes. The Flash of loans eliminates finger tapping!
  • EMI Groove, No Drama: Avoid loan jargon! Smoothly repay with affordable EMIs over 3–24 months. Enjoy this EMI playlist.
  • Dance to your own rhythm with Flexi-Repays! Part payment, pre-closure, or extension—LazyPay lets you decide.
  • Take advantage of low-interest rates from 15% to 32% every year. Your pocketbook cheers louder than a musical encore!
  • Financial Wonderland Waits: More! LazyPay goes beyond loans. Check out the app for insurance, mutual funds, credit cards, and more!

RupeeLend

The RupeeLend app offers short-term loans for medical bills, travel, rent, and other essential necessities. RupeeLend perks include:

  • Customized Cash: Need fast cash? From ₹10,000 to ₹1 lakh, RupeeLend customizes loans based on your eligibility and credit skills. Imagine having a financial sidekick who knows your karate.
  • Flash Funds, Imagine getting approved now and getting money in 2 hours. No waiting—it’s the loan Flash!
  • EMI Groove, No Drama: Avoid loan jargon! Enjoy affordable EMIs and a 61–90-day rhythm as you repay. Enjoy this EMI playlist.
  • Dance to your own rhythm with Flexi-Repays! RupeeLend lets you be the sensei with part payment, pre-closure, or extensions.
  • Low Interest Ninja Moves: Enjoy 0.1% every day of sneaky low interest rates. Your pocketbook is ecstatic!
  • Financial Wonderland Waits: More! RupeeLend goes beyond loans. Explore the app for insurance, mutual funds, credit cards, and other financial ninja tools!

AnyTime Loan

AnyTime lending is a peer-to-peer lending app for education, business, travel, etc. Benefits of AnyTime Loan include:

  • Cash on Speed Dial: AnyTime Loan customizes loans from ₹1,000 to ₹10 lakh to fit your credit needs. This is like having a financial friend who understands your habits.
  • 24-Hour Swift Cash: Picture today’s permission, 24-hour bank account money. The Flash of loans eliminates waiting!
  • Forget complicated terms: EMI Jam, No Drama! Navigate 10–36-month repayments with simple EMIs. Enjoyable EMI playlist.
  • Flexi-Repays: Dance your way! AnyTime Loan allows you choose part payment, pre-closure, or extend.
  • Affordable rates: Low annual interest rates of 18% to 54% are delicious. Wallets applaud louder than musical encores!
  • The Financial Playground: More! It’s more than loans at AnyTime Loan. 

LoanTap

LoanTap offers personal, EMI-free, rental security deposit, and other loans. LoanTap perks include:

  • Your Cash, Your Rules: Cash love needed? From ₹50,000 to ₹10 lakh, LoanTap tailors loans to your credit history and lifestyle. It’s like a financial BFF who understands.
  • No Waiting, Fast Cash: Receive approval now, monies in your bank account within 24 hours. The Flash of loans eliminates waiting!
  • Get rid of loan jargon with EMI Groove! Enjoy affordable EMIs and a 6–60-month payback schedule. Enjoyable EMI playlist.
  • Dance your own rhythm with Flexi-Repays! LoanTap lets you DJ your money with part payments, pre-closures, and extensions.
  • Affordable rates: Low loan rates from 18% to 30% per year are delicious. Happy wallet!
  • Not only loans on LoanTap. The app has insurance, mutual funds, credit cards, and more!

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