What are the Best Loan Apps in India in 2026?

Given the number of loan apps nowadays, it is extra difficult to choose the one that is best for you. How would you know which ones are legit and which ones are fraud?

Well, don’t worry! On this page, we bring you a comprehensive list of the top 30 loan apps in India in 2026. We update this page regularly, so you have fresh information. 

And that’s not it; we will tell you how to choose and judge apps for yourself. Read on to learn about the top apps and what makes a loan app suitable for you!

Top 30 Best Loan Apps: Updated 2026 List

The list is ranked on the basis of the average highest ratings on the Play Store and App Store. The average rating is calculated by adding the Play Store rating and the App Store rating and dividing them by 2. 

Sl.no	App Logo	Loan App	Rate of Interest Offered	Quantum of Loan	Repayment Tenures Offered	Ratings		Average Rating
						Play Store	App Store
1		Moneyview: UPI, Personal Loans	Starting from 14% p.a.	₹5,000 to ₹10 Lakh	Up to 60 months	4.8	4.8	4.8
2		Bajaj Finance: UPI & Loan App	10% to 31% p.a.	₹40,000 to ₹55 Lakh	12 to 108 months	4.8	4.7	4.75
3		Buddy Loan - Personal Loan App	Starts from 11.99% p.a.	₹10,000 to ₹50 Lakh	6 months to 5 years	4.5	4.8	4.65
4		LazyPay: Loan App & Pay Later	12% to 36% p.a.	₹3,000 to ₹5 Lakh	3 to 60 months	4.5	4.8	4.65
5		Piramal Finance - Loans & More	Starting from 12.99% p.a.	₹25,000 to ₹5 Lakh	Up to 60 months	4.6	4.7	4.65
6		Zype Instant Personal Loan App	18% to 34% p.a.	₹3,000 to ₹5 Lakh	6,9,12, or 36 months	4.6	4.6	4.6
7		Kissht Quick Personal Loan App	Starts from 1% p.m.	₹10,000 to ₹5 Lakh	6 to 60 months	4.7	4.5	4.6
8		True Balance - Loan App & UPI	Starting from 2.4% per month	Up to ₹5 Lakh	6 to 48 months	4.6	4.5	4.55
9		Tata Capital Loan App & Wealth	Starts from 10.99% p.a.	₹5,000 to ₹10 Lakh	12 to 84 months	4.5	4.6	4.55
10		KreditBee: Personal Loans, UPI	12% to 28.5% p.a.	₹6,000 to ₹10 Lakh	6 to 60 months	4.6	4.4	4.5
11		Navi: UPI, Payments, Insurance	Up to 29.96% p.a.	Up to ₹20 Lakh	Up to 84 months	4.5	4.5	4.5
12		Lendingplate - Personal Loan App	Starts from 12% p.a.	₹10,000 to ₹2.5 Lakh	3 to 15 months	4.4	4.6	4.5
13		Pocketly Instant Personal Loan	2% to 3% per month	Up to ₹50,000	61 days to 9 months	4.6	4.4	4.5
14		Finnable: Loan & Credit Score	15% to 30.99% p.a.	₹25,000 to ₹10 Lakh	6 to 60 months	4.6	4.4	4.5
15		Personal Loan App by Fibe	Starting from 16.75%	Up to ₹10 Lakh	6 to 36 months	4.4	4.5	4.45
16		Stashfin UPI, Pay Bills, Loans	0% for the first 30 days; thereafter starts from 11.99% p.a.	Up to ₹5 Lakh	12 to 36 months	4.5	4.3	4.4
17		CASHe: Quick Personal Loan App	Starts from 2.79% p.m.	₹45,000 to ₹3 Lakh	9 to 18 months	4.4	4.3	4.35
18		FlexSalary Instant Loan App	Please get in touch with FlexSalary for more details	Up to ₹3 Lakh	Up to 36 months	4.3	4.3	4.3
19		Lenditt: Personal Loan App	28% to 36.50% p.a.	₹10,000 to ₹3 Lakh	3 to 12 months	4.1	4.3	4.2
20		PayMe: Quick Personal Loan App	Starts from 1.5% per month	Up to ₹10 Lakh	3 to 24 months	4.5	3.7	4.1
21		Freo - UPI, Insurance, Loans	12% to 36% p.a.	₹3,000 to ₹5 Lakh	3 to 36 months	4.2	3.9	4.05
22		Hero Digital Lending & UPI App	Starting from 18% p.a.	Up to ₹5 Lakh	12 to 36 months	4.4	3.4	3.9
23		DMI Finance: Online Loan App	Please get in touch with DMI Finance for more details	₹50,000 to ₹10 Lakh	12 to 60 months	4.0	3.1	3.55
24		Olyv: Loans & Credit Score	Starts from 1.5% p.m.	Up to ₹5 Lakh	2 to 24 months	4.7	Currently not available on the App Store	2.35
25		mPokket: Instant Loan App	From 1.58% to 3% per month	Up to ₹2 Lakh	6 to 24 months	4.6	Currently not available on the App Store	2.3
26		Branch Instant Personal Loan	12% to 66% p.a.	Up to ₹5 Lakh	4 to 24 months	4.6	Currently not available on the App Store	2.3
27		RupeeRedee - Personal Loan App	2.3% to 4.8% per month	₹2,000 to ₹2,50,000	91 to 720 days	4.5	Currently not available on the App Store	2.25
28		PayRupik Instant Personal Loan	Please get in touch with PayRupik for more details	Up to ₹2.5 Lakh	91 to 180 days	4.5	Currently not available on the App Store	2.25
29		NIRA Instant Personal Loan App	Please get in touch with NIRA for more details	₹5,000 to ₹1.5 Lakh	3 to 24 months	4.3	Currently not available on the App Store	2.15
30		PaySense: Personal Loan App	14% to 36% p.a.	₹5,000 to ₹5 Lakh	3 to 60 months	3.0	Currently not available on the App Store	1.5

Suggested Reading: Best Loan Apps for Students

What are the Features and Benefits of the Top 30 Loan Apps?

1. Moneyview: UPI, Personal Loans 

Moneyview is one of the most popular and best-rated digital lending apps in India. It offers unparalleled benefits and features to its customers. Some of these include -

• The loan amount is credited directly to your bank account once the application is approved

• Check your eligibility criteria in just 2 minutes from anywhere in the country, anytime

• The documentation requirement is minimal 

• Loan amounts range between ₹5,000 and ₹10 Lakh

• Interest rates start from just 14% per annum, with flexible repayment tenures of up to 60 months

• The processing fee starts from 2% of the loan amount

• Moneyview’s partner lenders do not ask for collateral, and you can choose to repay the loan through auto-debit EMIs

• Moneyview’s partner lenders’ credit rating model allows applicants with low credit scores to avail themselves of a loan

• To be eligible for a loan, you should be aged between 21 and 57, and earn a minimum of ₹25,000

• Your income must be credited directly to your bank account, and you must have a CIBIL score of 650

Contact Details - 

• 080 6939 0476

• care@moneyview.in 

2. Bajaj Finance: UPI & Loan App

Bajaj Finance is an Indian non-banking company that provides a variety of financial services. You can even shop offline using their easy EMIs. Here are some other features of their instant personal loans - 

• You can complete the whole process right from the comfort of your home

• Avail personal loans from ₹40,000 to ₹55 Lakh

• Processing charges up to 3.93% of the loan amount (inclusive of taxes)

• To be eligible, you should be between the ages of 21 and 80 years (Please note that you have to be 80 years old or younger at the end of the tenure)

• Affordable interest rates ranging from 10% to 31% p.a. and tenures from 12 to 108 months

Contact Details -

• 86980 10101

• Customer Portal 

3. Buddy Loan - Personal Loan App

With its head office in Bangalore, Buddy Loan claims to be the loan app with the highest rate of loan approvals. These features set it apart from other loan apps - 

• Get loan offers up to ₹50 Lakh

• Interest rates start at 11.99% p.a. 

• Loan approval within 3 minutes

• Comfortably pay off your loan in tenures of your choice, ranging from 6 months to 5 years

• Any Indian resident between the ages of 21 and 60 years, having a minimum monthly income of ₹15,000 if salaried, is eligible to apply

• If you are self-employed, you need the company’s annual turnover as per the lender’s requirements

Contact Details - 

• 080-47097512 

• info@buddyloan.com 

4. LazyPay: Loan App & Pay Later

This app provides instant loans as well as many other services. You can also pay utility bills from this app. Let’s look at some features that make it stand out -

• Loans from ₹3,000 to ₹5 Lakh

• Interest rates range from 12% to 36% p.a.

• Tenures ranging from 3 to 60 months

• 100% paperless procedure

• You can choose repayment tenures ranging from 3 to 60 months

• Buy Now Pay Later options, pay utility bills, and purchase gift cards

• Track your vehicle challans, PUC, and insurance 

Contact Details - 

• 02269821111 

• wecare@lazypay.in 

5. Piramal Finance - Loans & More

Piramal Finance is an NBFC registered with the RBI. Let’s see the unique features and benefits of this app -

• Get loan amounts ranging from ₹25,000 to ₹5 Lakh through a fully digital process

• Comfortable tenures up to 60 months 

• Interest rates start at 12.99% p.a.

• To be eligible, you should have a minimum monthly income of ₹25,000 

• Quick disbursals and no co-signer or guarantor required

Contact Details - 

• 1800-266-6444 (Toll-free)

• +91 7799000390 (WhatsApp)

• customercare@piramal.com  

Source: Piramal Finance Official Play Store listing

6. Zype Instant Personal Loan App

Through Zype, you can get an instant cash loan transferred to your bank account in less than 10 minutes. Let’s look at some more features of this app - 

• Completing a loan application takes only 6 minutes

• Get fast loan decisions within 60 seconds 

• Interest rates start at only 1.5% per month 

• Processing fee ranges from 2% to 6% of the loan amount

• 24x7 dedicated customer support & loan assist 

• To be eligible, you have to be a salaried professional with a monthly salary of ₹15,000

• You should have a valid PAN & Aadhaar to be eligible

Contact Details - 

• 080 3501 8179 

• support@getzype.com 

7. Kissht Quick Personal Loan App

Kissht offers fully digital loans in a hassle-free process. Some of the main features of this app are -

• Personal loans from ₹10,000 to ₹5 Lakh

• Top-up loans with an extended tenure of up to 60 months

• Multiple ways to pay EMIs

• Approvals and disbursals within minutes

• Business loans and loans against property are also available

• To be eligible, you have to be an Indian citizen, between 21 and 60 years of age

Contact Details - 

• 080 44745884

• 080 62816309

• care@kissht.com 

8. True Balance - Loan App & UPI

True Balance is dedicated to the mission of "Finance for All". Read about some major features of the app - 

• 24*7 access to credit and digital payments to merchants 

• The interest rates start from 2.40% per month

• The APR for all loans disbursed ranges from 28.8% to 78% 

• Processing fee up to 8.4% of the loan amount

• You can borrow an amount up to ₹5 Lakh

• Repay the amount at your own pace with tenures between 6 and 48 months

Contact Details - 

• (0120)-4001028

• cs@balancehero.com 

9. Tata Capital Loan App & Wealth

The Tata Capital Loan app is a one-stop solution for all your wealth management and instant loan needs. Here are some of the features and the benefits of this app -

• Along with loans, you can track your investments and manage all your finances in one place

• Get personal loans up to ₹10 Lakh

• Interest rates start at 10.99% p.a.

• Enjoy repayment tenures from 12 to 84 months

• Processing fees start at ₹1,499 + GST for your personal loan application

• Collateral-free loans

• Part prepay up to 25% of the disbursed amount without any charges

• To be eligible, you should be between the ages of 21 and 58, your minimum monthly income should be ₹15,000, and you should have a minimum of 1 year of working experience

Contact Us

• 1860 267 6060 (Retail)

• 1860 210 7477 (Corporate)

• 1860 267 6060 (Retail), 1860 210 7477 (Corporate)

• customercare@tatacapital.com 

10. KreditBee: Personal Loans, UPI

KreditBee offers many products to its customers. Here are some features and benefits of their personal loans -

• You can get a loan amount between ₹6,000 and ₹10 Lakh

• The interest rate ranges from 12.00% to 28.50% p.a. and can vary based on the borrower’s credit history and other factors

• The repayment tenure starts at 6 months and can go up to 60 months

• The minimum monthly personal income should be ₹10,000, and the monthly household income should be ₹25,000 per month

• The entire loan application process, from start to finish, is done online

• To be eligible, you have to be an Indian national over the age of 21, and must have a steady monthly income

Contact Details - 

• 08044292200

• 08068534522 

• help@kreditbee.in  

11. Navi: UPI, Payments, Insurance

A digital lending app that provides loans online, Navi is one of the top lenders in the market today. Read on to know some of their features and benefits -

• You can avail of a personal loan of up to ₹20 Lakh

• Navi offers flexible EMI options of up to 84 months

• The interest rates go up to 29.96% p.a.

• The entire process of availing a loan is digital and can be done from anywhere

• You can choose a repayment plan of your choice based on your eligibility

Contact Details - 

• +91 81475 44555 

12. Lendingplate - Personal Loan App

Headquartered in New Delhi, you can use their platform to apply for loans from anywhere in the country. They give loans to both salaried and self-employed people who meet the eligibility criteria. 

Let’s look at some of the salient features of their loans -

• Get personal loans up to ₹2.5 Lakh

• Enjoy flexible tenures from 3 to 15 months

• They give loans even if you have a bad credit score 

• To be eligible, you need to be at least 21 years old

• You need to have a minimum income of ₹20,000 to get a loan from Lendingplate

• Processing fees range from 1% to 5% of the loan amount

• You get a free-look period of 3 days, and you can return your loan without any charges if you did not enjoy the experience 

Contact Details - 

• +91 7373737316

• care@lendingplate.com 

13. Pocketly Instant Personal Loan

This app is available for both Android and iPhone users and gives small loans with short repayment tenures. Here is what makes it stand apart -

• Quantum of loans up to ₹50,000

• Interest rates range between 2% to 3% per month

• Loan tenures range from 61 days to 9 months

• It has relaxed eligibility criteria with an income requirement of just ₹15,000

• Both salaried and self-employed individuals can avail themselves of loans from this app

• Once KYC is approved, the loan amount is disbursed into the bank account within seconds

Contact Details - 

• +918904051555 (WhatsApp)

• +918064893000 (Call)

• care@support.pocketly.in  

14. Finnable: Loan & Credit Score 

Finnable is an app that gives a seamless and hassle-free experience. It is a start-up that helps employees get easy personal loans. Here is what sets this app apart from others -

• Get instant personal loans from ₹25,000 to ₹10 Lakh 

• Interest rates start from 15% to 30.99% p.a.

• The loan is disbursed within 60 minutes

• EMIs are calculated using the reducing balance method

• Repayment terms range from 6 to 60 months

• You can complete the whole process digitally

Contact Details - 

• makeiteasy@finnable.com  

15. Personal Loan App by Fibe

Fibe offers attractive personal loans, financial freedom, and flexibility. The best part about Fibe is that you can get a loan instantly, in just 2 minutes. Check out its salient features and benefits -

• Fibe offers personal loans up to ₹10 Lakh

• The entire application process is done online and is fully paperless

• A unique feature of this lender is that you can apply for multiple loans on the same day, even if you already have a loan running with them

• Fibe is available 24*7, i.e., you can apply for a loan at any time and get instant disbursal

• You can repay the loan in easy instalments that span from 6 to 36 months

• Interest rates start from 16.75% p.a., and processing fees range between 3% to 3.5% of the loan amount

Contact Details - 

• 020 67639797

• care@fibe.in 

16. Stashfin UPI, Pay Bills, Loans

StashFin, founded by a team of experienced financial services professionals, is one of the top digital instant loan apps in India. Here are some features that set it apart from its competitors - 

• Loans are available up to ₹5 Lakh

• Zero foreclosure or prepayment charges 

• Enjoy an interest-free period up to 30 days, after which the rate of interest starts from 11.99% p.a., based on your eligibility

Contact Details - 

• +91 9289108566

• 0124 6981222 

• grievance.officer@stashfin.com  

17. CASHe: Quick Personal Loan App

Are you a salaried individual looking for an urgent loan? Then the CASHe Instant Loan app is a great option for you! 

Some of the features and benefits of their instant loans are -

• Avail loan amounts ranging from ₹45,000 to ₹3 Lakh

• Repayment terms vary from 3 to 18 months, making it a great short-term loan option

• These loans can be availed online, which makes the application process easy and convenient 

• The minimum salary requirement is ₹40,000 per month 

• To be eligible, you should be between the ages of 21 and 55

• You only need your PAN card, Aadhaar card/Passport/Voter ID as identity proof, utility bill/driving licence as address proof, last 3-month bank statements showing salary credit, and a recent selfie to apply for a loan

Contact Details - 

• Grievance@bhanix.in  

• support@cashe.co.in  

• support@bhanix.in  

18. FlexSalary Instant Loan App 

Operating out of Hyderabad, FlexSalary is another one of the top instant loan apps in India. Here is what sets it apart from the rest of the online loan apps - 

• The minimum income requirement to be eligible for a loan is ₹8,000

• Affordable, easy EMIs based on interest rates ranging from 20% to 70% APR

• Up to ₹3 Lakh can be availed as a loan and can be repaid up to 36 months

• The loan amount is disbursed within 24 hours

Contact Details - 

• +91 40 4617 5151

• support@flexsalary.com 

19. Lenditt: Personal Loan App

This online loan app company is situated in Ahmedabad, Gujarat, and provides a range of services. It is available on the Galaxy Store, as well as the App Store and the Play Store. 

Here are some features of the personal loan app -

• Get loans from ₹10,000 to ₹3 Lakh

• Repayment tenures from 3 to 12 months

• 100% digitized procedure

• Interest rates starting from 28% p.a.

• Disbursal within 15 minutes

• No collateral and no hidden charges

• Provides loans to salaried and self-employed people

• Salaried applicants must have a minimum income of ₹20,000

• To be eligible, you have to be an Indian citizen between the ages of 21 and 55, and have valid government proofs (Aadhaar & PAN card)

Contact Details - 

• +91 7862839654 

• support@lenditt.com

20. PayMe: Quick Personal Loan App

This online loan company is situated in Noida and provides a variety of products like payday loans, advance salary, and short-term cash loans. The following are some key features of the Payme India app - 

• Offers loans to salaried and self-employed individuals

• Low interest rates starting from 1.50% per month

• The total loan procedure can be completed on the app

• Convenient and flexible repayment plans for up to 24 months

• The loan amount can go up to ₹10 Lakh

• Same-day loan disbursals

• To be eligible, you need to be at least 21 years of age and an Indian resident

Contact Details - 

• 0120 697 1400

21. Freo - UPI, Insurance, Loans

Freo is an all-in-one money app where you can pay, invest, borrow, and insure. Take a look at some of the other benefits of this app -

• The no-usage-no-interest feature ensures that one pays interest only on the amount used and not the entire amount availed

• You can avail of any amount up to ₹5 Lakh, and the interest rates start at 12% per annum

• Whenever you need cash, you can borrow any amount up to your entire approved credit limit, as and when you need it

• Flexible repayment tenure from 3 to 36 months is offered

• Borrow any amount from ₹3,000 up to your approved borrowing limit, paying interest only on what you use.

• Enjoy a complimentary Freo Credit Card for flexible spending.

Contact Details - 

• hello@freo.money 

22. Hero Digital Lending & UPI App 

Hero FinCorp is an app with a user-friendly interface that allows you to apply for instant personal loans. Here are some things that make it attractive -

• No hidden charges or expenses

• Quick loan approvals within minutes

• Paperless process, 100% online

• Should be between 21 and 58 years old to be eligible

• The minimum monthly income requirement is ₹15,000

Contact Details - 

• 1800 102 4145

• customer.care@herofincorp.com  

23. DMI Finance: Online Loan App

DMI Finance is a loan app that provides a digital, secure, and simple way to apply for a loan online. Let’s look at some of their features and benefits - 

• Loans ranging from ₹50,000 to ₹10 Lakh

• Repay from 12 to 60 months

• To be eligible, your minimum household income should be ₹3 Lakh per year

Contact Details - 

• 08064807777

• customercare@dmifinance.in 

24. Olyv: Loans & Credit Score

Olyv (formerly SmartCoin) is an easy-to-use lending app for people who are looking for short-term loans. Salaried individuals and business owners can avail themselves of loans from this app. 

Here are some features that make it stand out - 

• All documentation can be completed online

• To be eligible, your minimum age should be 21

• Loans available up to ₹5 Lakh that can be repaid within 2 to 24 months

• Affordable interest rates starting from 1.5% per month onwards

Contact Details - 

• 91483 80504

• help@smartcoin.co.in 

25. mPokket: Instant Loan App

mPokket offers secure and instant personal loans for students, salaried individuals, and self-employed individuals. It provides pocket-sized personal loans in minutes with low interest rates without long-term EMI commitments, making it one of India’s best instant loan apps.

Its features include - 

• Once the eligibility criteria are fulfilled, the loan amount is disbursed within a few hours

• Get loans up to ₹2 Lakh

• The repayment tenure ranges from 6 to 24 months

• The interest rates range from 1.58% to 3% per month

• To be eligible, you need to be 18+ years old and an Indian national

Contact Details - 

• support@mpokket.com 

26. Branch Instant Personal Loan

Also operational in Kenya and Nigeria, Branch started its operations in India in 2019. By 2024, it had crossed a ₹500 Crore loan book in India. Let us look at some of its key features -

• Get loans up to ₹5 Lakh and repay between 4 and 24 months tenures

• Interest rates range from 12% to 66% p.a.; APR ranges from 20% to 50%

• Get the loan amount in your bank in 2 minutes

• 100% paperless applications

• To be eligible, you have to be an Indian citizen over the age of 18

Contact Details - 

• +91 86559 37429 

• india@branch.co   

27. RupeeRedee - Personal Loan App

This app is an instant loan app that claims to disburse loans in 10 minutes. Here are some salient features of this app - 

• Anyone above the age of 20 with a minimum monthly income of ₹25,000 is eligible for a loan

• You can get loans  from ₹2,000 to ₹2,50,000

• You can avail of loans at interest rates starting from 2.3% to 4.8% per month; APR ranges from 32% to 64%

• Repay with ease through tenures ranging from 91 to 720 days

• Processing charges start from 1,5% of the loan amount, inclusive of GST

Contact Details - 

• 0124-6914100 

• care@rupeeredee.com 

28. PayRupik Instant Personal Loan

PayRupik is an instant loan app, one of the top loan apps in India. Here are some features that set it apart from other apps -

• Eligible users can get loans of up to ₹2.5 Lakh

• You can repay the loan between 91 and 180 days

• The Annual Percentage Rate is 25.04%

• To be eligible, you must be an Indian national, more than the age of 20, and have a stable source of income

Contact Details - 

• 02248930118 

• service@payrupikloan.in  

29. NIRA Instant Personal Loan App

NIRA is building financial empowerment by offering financial products to everyone with the use of technology. Here are some of the features of the app -

• Get loans from ₹5,000 to ₹1.5 Lakh

• Processing fees range between 2% to 7% of the loan amount

• APR ranging from 24% to 36%

• No prepayment fees up to 7 days of loan disbursal; 4% after 7 days

• No late fee for up to 30 days of late payments, ₹500 after 30 days

• To be eligible, you have to earn a minimum salary of ₹15,000 and be between the ages of 22 and 59 years

Contact Details - 

• 7259947885

• support@nirafinance.com 

30. PaySense: Personal Loan App

This is another instant loan app that is gaining popularity owing to its quick loan approval and disbursement process. Some of the features and benefits of this app are -

• You can get a loan amount between ₹5,000 and ₹5 Lakh

• The amount gets disbursed within minutes

• The interest rate ranges from 14% to 36% p.a., and the tenure can be between 3 and 60 months

• It offers personal loans to both salaried and self-employed applicants

• To be eligible, you must be a resident of India between the ages of 21 and 60

Contact Details - 

• support@gopaysense.com