Gone are the days when you had to stand in long bank queues to get a loan. Thanks to technology, borrowing money is now as easy as a few taps on your phone! In India, loan apps have become super popular, offering instant financial help for emergencies, shopping, home renovations, weddings, and more. These apps make life easier with simple online processes, flexible repayment options, and minimal paperwork.
In this blog, we’ve put together a list of the best loan apps in India to help you find the perfect one for your needs.
15 Best Loan Apps In India
On this page:
1. PaySense
PaySense is one of the best loan apps in India, trusted by over 1 crore users in 600+ cities. Whether you need ₹5,000 or ₹5,00,000, PaySense has you covered with flexible loan amounts. The interest rates range between 14% to 36% per year, and you can repay the loan over 3 to 60 months, depending on what suits you.
The app is super simple to use. Signing up takes just 2 minutes, and there’s no need for any paperwork or collateral. Once your loan is approved, the money is quickly sent to your bank account. You can also enjoy flexible EMI options with no hidden charges, making it a transparent and hassle-free experience.
Whether it’s for a wedding, buying a vehicle, travel, education, or an emergency, PaySense can help you out anytime with 24/7 access.
App Insights
| PaySense | Android |
| Installs | 10M+ |
| Ratings | 3.1/5 |
| Reviews | 212K |
| Compatibility | 6.0 and up |
| Download link | Visit |
2. MoneyView
Moneyview App is a popular and trusted platform that makes managing your finances super easy. It’s also one of the best loan apps in India, offering instant personal loans from ₹5,000 to ₹10 lakhs.
You can start investing in gold with just ₹10 or open a fixed deposit with as little as ₹1,000 through top banks. Need motor insurance? Moneyview has you sorted with cashless claim options and accident cover up to ₹15 lakhs.
With over 1 crore happy users, the app is all about convenience and transparency. Everything is 100% paperless and hassle-free, so you can handle your money needs anytime, anywhere, without any stress.
App Insights
| MoneyView | Android | IOS |
| Installs | 50M+ | N/A |
| Ratings | 3.1/5 | 4.8/5 |
| Reviews | 2.82M | 3.2K |
| Compatibility | 5.0 and up | 14.0 or later |
| Download link | Visit | Visit |
3. KreditBee
KreditBee is a super reliable app and one of the best loan apps for students and young professionals. It’s trusted by over 5 crore users in India for quick and easy personal loans. You can borrow from ₹1,000 to ₹5,00,000 with interest rates between 17% and 29.95% per year. Plus, you get flexible repayment options ranging from 7 to 36 months, so you can pay it back at your own pace.
The entire process is 100% digital, which means no paperwork or long waiting times. You can apply, get approved, and receive the money in your bank account super quickly. KreditBee is perfect for all kinds of needs—whether it’s paying for education, managing travel expenses, funding a wedding, or starting a small business.
App Insights
| KreditBee | Android | IOS |
| Installs | 50M+ | N/A |
| Ratings | 4.5/5 | 4.4/5 |
| Reviews | 1.54M | 33.4K |
| Compatibility | 4.4 and up | 12.1 or later |
| Download link | Visit | Visit |
4. Fibe
Fibe is a fantastic option if you’re looking for one of the best loan apps for self-employed individuals. It’s trusted by over 2.5 million users and has already helped disburse ₹26,000 crores in loans. With Fibe, you can get a personal loan ranging from ₹20,000 to ₹5 lakhs, transferred directly to your bank account in just 2 minutes—no long waiting, no stress!
The repayment terms are super flexible, allowing you to choose between 6 to 36 months, depending on what works best for you. The best part? The process is completely online and requires minimal documentation—just your PAN card, Aadhaar, and bank statement. Plus, you don’t need to provide any collateral, and there are no prepayment penalties if you decide to repay early.
App Insights
| KreditBee | Android | IOS |
| Installs | 10M+ | N/A |
| Ratings | 4.5/5 | 4.5/5 |
| Reviews | 451K | 38K |
| Compatibility | 5.0 and up | 12.0 or later |
| Download link | Visit | Visit |
5. CASHe
CASHe is an excellent choice if you’re looking for one of the best loan apps without CIBIL score checks. Designed for salaried professionals, it offers instant personal loans from ₹25,000 to ₹4,00,000 with a 100% digital process—no paperwork or stress!
The app is super flexible, with no need for collateral and repayment plans that fit your budget. Whether you need money for travel, education, medical emergencies, or even a two-wheeler, CASHe makes it easy and fast. It also provides preapproved credit limits for short-term needs and a “Buy Now Pay Later” feature with 0% interest for added convenience.
App Insights
| CASHe | Android |
| Installs | 10M+ |
| Ratings | 4.5/5 |
| Reviews | 372K |
| Compatibility | 6.0 and up |
| Download link | Visit |
Navi is your go-to app for managing all your finances and is one of the best loan apps without credit score checks. Whether you need a quick loan, want to invest, or secure insurance, Navi makes it super simple and convenient.
If you’re looking for a loan, Navi offers instant cash loans up to ₹20 lakh and home loans up to ₹5 crore—all with flexible repayment terms and zero processing fees. The process is 100% online, so you can apply and get approval in just a few taps.
But Navi isn’t just about loans! You can invest in mutual funds starting at just ₹10 or buy 24K digital gold to grow your savings. Need health insurance? Navi has you covered with plans offering up to ₹1 crore in coverage, starting at just ₹235 per month, and you can get cashless claims approved in just 20 minutes.
App Insights
| Navi | Android | IOS |
| Installs | 50M+ | N/A |
| Ratings | 4.3/5 | 4.0/5 |
| Reviews | 1.78M | 18.4K |
| Compatibility | 7.0 and up | 14.0 or later |
| Download link | Visit | Visit |
7. LazyPay
LazyPay is a great option for quick credit and one of the best loan apps for unemployed individuals. You can get up to ₹10,000 instant credit for shopping or bills with interest-free repayment in 15 or 30 days. Need more? Complete your KYC to increase your limit up to ₹5 lakhs.
For bigger expenses, LazyPay offers personal loans from ₹3,000 to ₹5 lakh with flexible repayment terms and reasonable interest rates. It’s fully digital and hassle-free, making it easy to manage your finances anytime.
App Insights
| LazyPay | Android | IOS |
| Installs | 10M+ | N/A |
| Ratings | 4.4/5 | 4.8/5 |
| Reviews | 537K | 153.7K |
| Compatibility | 6.0 and up | 15.0 or later |
| Download link | Visit | Visit |
8. Home Credit
Home Credit is a fast and easy loan app in India, offering personal loans up to ₹5,00,000 with minimal paperwork and flexible repayment terms of 6 to 48 months. Loans are approved in just 5 minutes through a 100% online process.
It also offers a Flexible Personal Loan up to ₹1,00,000 at a flat 39% annual interest rate, where you pay interest only on what you use. With secure processes and quick disbursals, Home Credit makes borrowing simple and hassle-free.
App Insights
| Home Credit | Android |
| Installs | 10M+ |
| Ratings | 4.4/5 |
| Reviews | 174K |
| Compatibility | 7.0 and up |
| Download link | Visit |
9. ZestMoney
ZestMoney is one of the best loan apps with the lowest interest, trusted by over 11 million users across India. It offers loans from ₹1,000 to ₹10 lakhs with 0 down payment and 0 interest EMI options, making shopping affordable at 10,000+ online and 85,000 offline stores like Amazon, Myntra, and MakeMyTrip.
With a fully digital process, instant approvals, and no application or pre-closure fees, it’s hassle-free and convenient. Whether it’s shopping or personal loans for loyal users, ZestMoney helps you manage finances easily and pay back in comfortable EMIs.
App Insights
| ZestMoney | Android | IOS |
| Installs | 10M+ | N/A |
| Ratings | 4.5/5 | 3.3/5 |
| Reviews | 239K | 4.4K |
| Compatibility | 5.0 and up | 12.1 or later |
| Download link | Visit | Visit |
10. MoneyTap
MoneyTap is a super easy-to-use app for credit and personal loans in India. It offers a credit limit of up to ₹5,00,000 with instant approval, so you can get the money you need right away. You can borrow as little as ₹3,000 and only pay interest on the amount you use, with rates starting as low as 12%.
The app is perfect for salaried employees earning ₹30,000 or more per month and has a fully digital, paperless process. With flexible EMIs, it’s ideal for emergencies, weddings, home renovations, or even paying rent.
App Insights
| MoneyTap | Android | IOS |
| Installs | 10M+ | N/A |
| Ratings | 4.0/5 | 4.3/5 |
| Reviews | 363K | 26.1K |
| Compatibility | 5.0 and up | 12.0 or later |
| Download link | Visit | Visit |
11. Nira Finance
NIRA is a quick and easy personal loan app that helps you borrow between ₹5,000 and ₹1,50,000 whenever you need it. With interest rates ranging from 24% to 36% and flexible EMIs over 3 to 24 months, NIRA is perfect for handling emergencies or managing extra expenses.
The app has a simple process, with a small processing fee starting at ₹350 + GST or 2%-7% of the loan amount. You can even prepay your loan without any charges if done within 7 days, and after that, it’s just up to 4%. If you miss a payment, there’s no late fee for the first 30 days, and a minimal ₹500 charge after that.
App Insights
| Nira Finance | Android |
| Installs | 10M+ |
| Ratings | 4.2/5 |
| Reviews | 308K |
| Compatibility | 8.1 and up |
| Download link | Visit |
12. IndiaLends
IndiaLends is a simple and reliable platform for all your credit needs. Whether you’re looking for a free credit report, a credit card, or a personal loan, IndiaLends connects you with 50+ banks and lenders. You can borrow up to ₹25 lakhs with interest rates starting as low as 10.25% and flexible repayment terms of 1 to 5 years.
The process is quick, fully online, and hassle-free, ensuring fast approvals and the best rates based on your profile. IndiaLends also supports financial institutions with advanced tech and credit solutions.
App Insights
| IndiaLends | Android | IOS |
| Installs | 5M+ | N/A |
| Ratings | 3.9/5 | 4.5/5 |
| Reviews | 80.4K | 9.5K |
| Compatibility | 7.0 and up | 14.0 or later |
| Download link | Visit | Visit |
13. FlexSalary
FlexSalary is a quick and easy personal credit option for salaried individuals in India, offering a credit line of up to ₹3 lakhs. It’s perfect for emergencies, with a fast, paperless process and same-day fund transfers to get you the money you need without hassle.
You can borrow and repay flexibly with EMIs, and there’s no penalty if you decide to prepay. The APR ranges from 19% to 55%, and you can choose repayment terms between 10 to 36 months. A one-time processing fee of ₹0 to ₹1,250 applies only on your first withdrawal.
App Insights
| FlexSalary | Android | IOS |
| Installs | 5M+ | N/A |
| Ratings | 4.1/5 | 4.2/5 |
| Reviews | 45K | 1.9K |
| Compatibility | 4.1 and up | 12.1 or later |
| Download link | Visit | Visit |
14. Pocketly
Pocketly is a quick and easy personal loan app that helps you borrow up to ₹50,000 without any hassle. Whether you’re salaried or self-employed, Pocketly makes it simple to get funds fast, with interest rates as low as 2%-3% per month and repayment terms of 2 to 6 months.
The process is fully online and paperless, with instant loan approvals and quick disbursals. Pocketly is perfect for emergencies, medical bills, holidays, weddings, or home improvements. Plus, you can earn rewards through their referral program.
App Insights
| Pocketly | Android | IOS |
| Installs | 5M+ | N/A |
| Ratings | 4.1/5 | 3.9/5 |
| Reviews | 41.5K | 2.2K |
| Compatibility | 4.4 and up | 12.0 or later |
| Download link | Visit | Visit |
15. Upwards
Upwards is a simple and fast personal loan app designed for salaried individuals earning ₹20,000 or more per month. You can borrow anywhere from ₹25,000 to ₹5,00,000 with interest rates ranging from 16% to 36% per year and repayment terms of 6 to 36 months.
The process is 100% online and super easy. All you need are your PAN card, bank statements, and salary slips to get started. Once approved, the money is disbursed within a day! Upwards is perfect for things like home renovations, weddings, medical emergencies, travel, or even buying a two-wheeler.
App Insights
| Pocketly | Android |
| Installs | 5M+ |
| Ratings | 3.1/5 |
| Reviews | 34K |
| Compatibility | 5.0 and up |
| Download link | Visit |
Conclusion
With so many loan apps in India, getting money when you need it has never been easier or more convenient. Whether it’s for an emergency, a big purchase, or just some extra cash, these apps make borrowing simple with quick approvals, easy repayment options, and little to no paperwork.
FAQs
Which app loan is the best in India?
The best loan app depends on your needs, but popular options include MoneyTap, Navi, and ZestMoney for quick and flexible loans.
How to get 20,000 rupees urgently?
Use instant loan apps like LazyPay, MoneyTap, or CASHe for fast approval and disbursal within minutes.
How to get 30,000 rupees immediately?
Apps like FlexSalary, Pocketly, or KreditBee can help you get ₹30,000 instantly with a simple online process.
Which app is approved by RBI?
Apps partnered with RBI-certified NBFCs, like KreditBee and CASHe, are safe and reliable for loans.
Which app is safe for loans?
Loan apps like MoneyTap, Navi, and IndiaLends ensure secure transactions with RBI-approved partners and reliable data protection.
