12 Best Instant Personal Loan Apps in India

12 Best Instant Personal Loan Apps in India

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12 Best Instant Personal Loan Apps in India


12 Best Instant Personal Loan Apps in India



This company has planned its product to take on personal loans. Thus, its features are in sharp contrast to those of personal loans. One-time application, one-time approval, instant disbursals, the option to access the credit anytime, the option to decide the loan tenure, and a flexible repayment policy are a few hallmarks of Flexsalary. The company has no fixed EMIs and provides instant approval, making it function as an advance salary loan app.


A new-age fintech start-up, the Navi app has a user-friendly interface that’s easy to navigate. They provide loans in India to meet your financial emergencies like medical bills, traveling expenses, renting a venue, etc. With minimal documentation required, this personal loan platform strives to make financial services transparent, simple, and accessible.

With so many personal loan apps in the market, the options available for quick cash loans have increased making it easier for you to seek an urgent cash loan quickly. An online search and a quick comparison between the various cash loan apps in India for quick cash loans online bring up a multitude of options ranging from payday loans in India, instant loans in India, to salary advance loans in India.

Fullerton India

Registered as an NBFC – Investment and Credit Company with the Reserve Bank of India, this personal loan app is convenient for salaried and self-employed individuals. With a hassle-free documentation process, this instant loan app disburses your loan request within 30 minutes of approval.


ZestMoney is a unique finance platform that makes digital finance affordable and accessible to millions of Indians with inadequate credit histories. They help borrowers find a lending partner by using AI, digital banking, and mobile technology. This credit app helps you break down your larger payments into smaller, manageable expenses and allows you to apply for a quick instant loan.


Upwards claims to be India’s quickest personal loan provider for salaried individuals looking for loans up to ₹ 3,00,000. Upwards offers hassle-free personal loans to people across various job profiles such as teachers, accountants, nurses, software engineers, retail store employees, and more with a minimum salary of ₹ 15,000.

Credy Technologies

Credy is one of the quick loan-giving apps in India that provides personal loans on personalized terms. With no hidden costs, no requirement for collateral or a guarantor, fast online processing, and acceptance of a low CIBIL score, Credy is simple, fast, and low-cost.

The company provides loan durations ranging from 3 to 12 months for amounts between ₹ 10,000 to ₹ 1 Lakh. The rates of interest start at 12%, annualized. You can utilize Credy for quick cash loans, enhancing your lifestyle, refinancing loans and credit card bills, and financing education- either for yourself or your children.


StashFin is one of the best online loan apps in India. The startup was founded by a team of experienced financial services professionals with an aim to make lending easier for people in India. The team has worked with various disciplines that include customer experience, technology, and process re-engineering and through its collective experience, StashFin aims to deliver best-in-class services and superior convenience to its customers. Apply for an instant loan through its online loan app in India. Your request is approved and the money is transferred in almost no time.


Incepted in 2018, RupeeRedee is a digital lending platform that allows consumers to fulfill their lending needs in simple steps with the help of technology. The app gives you access to personal loans within a few minutes at your fingertips. It is a tech-driven digital lending platform that leverages technology and data sciences to make lending accessible for India’s massive population of underserved customers. With robust KYC and a smooth process, it makes the consumer journey hassle-free, and quick and also safeguards your data. It currently has 4.51 million installs on Google Play Store and has an average traffic of 400K on its website.

Operating with its own Captive NBFC FincFriends Private Limited in the background to facilitate short-term personal loans coupled with digital lending services and has deployed various forms of underwriting including alternate data sources and is not restricted to credit score-based underwriting only. Following the Fair Practice Code and compliance process, it offers its consumer a great experience and satisfaction.


Founded by SayaliKaranjkar and Prashanth Ranganathan, PaySense is an instant money app that offers instant cash loans online. You can use a phone or laptop to check your loan eligibility, submit your KYC details and apply for a loan, receiving approval within 5 hours. The company provides personal loans online of up to ₹ 5 Lakh and you can use anywhere from ₹ 5,000 up to your entire approved limit at one time. PaySense also offers an EMI calculator through which you can check how much you will be paying every month.


LoanTap is an online platform that delivers instant, flexible loans on attractive loan terms to salaried professionals and businessmen. This fintech lending platform is committed to delivering customized loan products to millennials in an otherwise cluttered and dull personal loan segment. LoanTap offers a variety of innovative products such as personal loans, personal overdrafts, EMI-free loans, credit card takeover loans, rental security deposit loans, advance salary loans, and house owner loans.


PayMeIndia is an innovative FinTech app that offers instant payday loans, advance salary loans, and short-term cash loans to salaried employees at attractive interest rates. These cash loans are designed to cater to all your short-term financial needs that include a medical emergency, purchasing a big-ticket item, financing a wedding, and many more. Traditional and modern lending techniques are blended with technology to make the loan application process quick and simple. Cash loans are offered with convenient and flexible repayment plans.

Bajaj Finserv

Bajaj Finserv offers personal loans that are instantly approved and disbursed within just 24 hours. These collateral-free loans are offered to women, government and public sector unit (PSU) employees, schoolteachers, college professors, and more. The personal loans are offered with a feature to reduce your installment by up to 45% by paying interest-only EMIs. Once approved, you borrow as much as you need from your approved loan amount without the hassle of reapplying for the loan.


Final Word

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3 thoughts on “12 Best Instant Personal Loan Apps in India”

  1. Excellent way of telling, annd nice aticle to obtakn information oon thee tolic off my presentation topic, which i am going to deliver inn academy.

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