Get personal loans from the best instant loan apps in India
21 Sep 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!
Here is a list of the top 30 best loan apps, updated in September 2026.
| Sl.no |
App Logo |
Loan App |
Rate of Interest Offered |
Quantum of Loan |
Repayment Tenures Offered |
What is This Loan App Best For? |
|---|---|---|---|---|---|---|
|
1 |
 |
Moneyview: UPI, Personal Loans |
Starting from 14% p.a. |
₹5,000 to ₹10 Lakh |
Up to 60 months |
Best for Flexible Loan Amounts |
|
2 |
|
Bajaj Finance: UPI & Loan App |
10% to 31% p.a. |
₹40,000 to ₹55 Lakh |
12 to 108 months |
Best for Higher Loan Amounts |
|
3 |
|
Buddy Loan - Personal Loan App |
Starts from 11.99% p.a. |
₹10,000 to ₹50 Lakh |
6 months to 5 years |
Best for Loan Comparison & Marketplace |
|
4 |
|
LazyPay: Loan App & Pay Later |
12% to 36% p.a. |
₹3,000 to ₹5 Lakh |
3 to 60 months |
Best for Pay Later & Express Checkout |
|
5 |
|
Piramal Finance - Loans & More |
Starting from 12.99% p.a. |
₹25,000 to ₹5 Lakh |
Up to 60 months |
Best for Semi-Urban & Small Business Borrowers |
|
6 |
|
Zype Instant Personal Loan App |
18% to 34% p.a. |
₹3,000 to ₹5 Lakh |
6,9,12, or 36 months |
Best for Smart Instant Credit Line |
|
7 |
|
Kissht Quick Personal Loan App |
Starts from 1% p.m. |
₹10,000 to ₹5 Lakh |
6 to 60 months |
Best for Revolving Credit & Small Ticket Purchases |
|
8 |
|
True Balance - Loan App & UPI |
Starting from 2.4% per month |
Up to ₹5 Lakh |
6 to 48 months |
Best for Low Income & First-Time Borrowers |
|
9 |
|
Tata Capital Loan App & Wealth |
Starts from 10.99% p.a. |
₹5,000 to ₹10 Lakh |
12 to 84 months |
Best for Trusted Brand & Flexible Tenures |
|
10 |
|
KreditBee: Personal Loans, UPI |
12% to 28.5% p.a. |
₹6,000 to ₹10 Lakh |
6 to 60 months |
Best for Smaller Personal Loans |
|
11 |
|
Navi: UPI, Payments, Insurance |
Up to 29.96% p.a. |
Up to ₹20 Lakh |
Up to 84 months |
Best for Digital First Borrowing |
|
12 |
|
Lendingplate - Personal Loan App |
Starts from 12% p.a. |
₹10,000 to ₹2.5 Lakh |
3 to 15 months |
Best for Fast Approval Short-Tenure Loans |
|
13 |
|
Pocketly Instant Personal Loan |
2% to 3% per month |
Up to ₹50,000 |
61 days to 9 months |
Best for College Students & Micro Loans |
|
14 |
|
Finnable: Loan & Credit Score |
15% to 30.99% p.a. |
₹25,000 to ₹10 Lakh |
6 to 60 months |
Best for Quick Approval for Salaried Staff |
|
15 |
|
Personal Loan App by Fibe |
Starting from 16.75% |
Up to ₹10 Lakh |
6 to 36 months |
Best for Salaried Individuals |
|
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 |
Best for 0% Interest Grace Period Credit Line |
|
17 |
|
CASHe: Quick Personal Loan App |
Starts from 2.79% p.m. |
₹45,000 to ₹3 Lakh |
9 to 18 months |
Best for Short-term Borrowing |
|
18 |
|
FlexSalary Instant Loan App |
Please get in touch with FlexSalary for more details |
Up to ₹3 Lakh |
Up to 36 months |
Best for Revolving Line of Credit for Salaried |
|
19 |
|
Lenditt: Personal Loan App |
28% to 36.50% p.a. |
₹10,000 to ₹3 Lakh |
3 to 12 months |
Best for Emergency Cash & Minimal Paperwork |
|
20 |
|
PayMe: Quick Personal Loan App |
Starts from 1.5% per month |
Up to ₹10 Lakh |
3 to 24 months |
Best for Early Salary Advance |
|
21 |
|
Freo - UPI, Insurance, Loans |
12% to 36% p.a. |
₹3,000 to ₹5 Lakh |
3 to 36 months |
Best for Pay-As-You-Use Credit Line |
|
22 |
|
Hero Digital Lending & UPI App |
Starting from 18% p.a. |
Up to ₹5 Lakh |
12 to 36 months |
Best for Two-Wheeler & Quick Personal Loans |
|
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 |
Best for Embedded & Ecosystem Financing |
|
24 |
|
Olyv: Loans & Credit Score |
Starts from 1.5% p.m. |
Up to ₹5 Lakh |
2 to 24 months |
Best for Micro-Entrepreneurs & Self-Employed |
|
25 |
|
mPokket: Instant Loan App |
From 1.58% to 3% per month |
Up to ₹2 Lakh |
6 to 24 months |
Best for College Students & Freshers |
|
26 |
|
Branch Instant Personal Loan |
12% to 66% p.a. |
Up to ₹5 Lakh |
4 to 24 months |
Best for First-Time Borrowers Without Credit History |
|
27 |
|
RupeeRedee - Personal Loan App |
2.3% to 4.8% per month |
₹2,000 to ₹2,50,000 |
91 to 720 days |
Best for Instant Small Emergency Cash |
|
28 |
|
PayRupik Instant Personal Loan |
Please get in touch with PayRupik for more details |
Up to ₹2.5 Lakh |
91 to 180 days |
Best for Short-Term Micro Credit |
|
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 |
Best for Low-Salaried Professionals |
|
30 |
|
PaySense: Personal Loan App |
14% to 36% p.a. |
₹5,000 to ₹5 Lakh |
3 to 60 months |
Best for Instant Paperless EMI Loans |
Disclaimer:
Please note that loan amounts, interest rates, and repayment tenures are sourced from the official Play Store listings of the respective apps.
For some apps, information has been sourced from their official website when it was missing on the Play Store listing.
Please check interest rates and other charges thoroughly before applying for loans.
Suggested Reading: Best Loan Apps for Students
Loan Amount
Min ₹5,000
Max ₹6,000,000
Rate of Interest
Min 6%
Max 36%
Loan Tenure
5
months
Min 3 months
Max 72 months
Here are some things that you can look at to identify which is a fake app and which is legitimate.
|
RBI-Regulated Apps |
Fake or Scam Apps |
|---|---|
|
Only RBI-registered banks and NBFCs are listed. |
No lender details are given. |
|
They have well-maintained official websites. |
They don't have an official website, or it is performative with no important information. |
|
There are no hidden charges. All important information is clearly mentioned on the website. |
There may be hidden charges. Interest rates and other charges are not disclosed. |
|
Data privacy policies are stated carefully. |
No privacy policies. |
Which loan app is the best is a question of your specific requirements. Due to your income, CIBIL score, and other criteria, you might be better suited for a loan from a specific app. But how to choose the one that fits your needs? In fact, how to know which loan app is worth your time? Let’s look at some points -
Check if the app is upfront about rates of interest, processing fees, penalties for missed EMIs, foreclosure and cancellation charges, charges for NACH or cheque bounce, etc.
Read through their documents and the final loan agreement. Avoid applying for a loan until you are clear of all the charges related to your loan.
The speed of loan approval and disbursal may often depend on your eligibility criteria. However, the application process should not be cumbersome. It should be easy to navigate, and you should be able to go through the application journey without any assistance.
Check how you have to submit documents; is it paperless? Also, don’t forget to check what documents are supported as proof of address, income, and identity. This will help you choose between loan apps.
Make sure there is a way to connect with a human executive if there is any trouble. Also, check if they have a physical office, working phone numbers, etc.
Check if the repayment tenures are flexible and if you are allowed to close your loan before the term. Don’t forget to check the foreclosure charges and any other rules related to your loan repayment. Having the option to change your EMI date is also a useful feature you can look for.
A good loan app should openly mention its partner lenders and whether they partner with RBI-registered NBFCs and licensed banks. Genuine apps will also not ask for unnecessary access to your contacts, gallery, etc.
If you suspect fraud or harassment, report via:
Cybercrime portal: https://cybercrime.gov.in/
Consumer support: https://consumerhelpline.gov.in/
We compared loan apps based on the following factors -
Interest rate / APR
Fees and charges like interest rates and processing fees
Loan amount offered
Repayment tenure options
Minimum income requirement
Ease and speed of disbursal
Customer support
RBI-regulated lending partner information
Loan available for salaried and self-employed individuals
Which loan app you will choose will depend on your requirement. Here are some examples so you can make a faster decision -
|
Your requirement or situation |
Which app to look for |
|---|---|
|
Need ₹5,000 to ₹50,000 |
Apps that offer small loan amounts |
|
Need ₹1 Lakh to ₹5 Lakh |
Apps that have better interest rates and tenure options |
|
Need ₹5 Lakh+ |
Apps and banks that offer higher loan amounts and have affordable interest rates |
|
Have low CIBIL score |
Apps that have flexible and inclusive eligibility criteria |
|
Have no credit history |
Apps that consider other eligibility factors |
|
Are Self-employed |
Apps that accept ITR as income proof |
Personalised Loans up to Rs.10 Lakh
The steps to apply for a personal loan will vary based on the app you choose. However, most of them follow this basic journey -
1
STEP: 1
Download the app and log in using your mobile number that is connected to your banking accounts.
2
STEP: 2
Check eligibility and select the amount and tenure from the options provided to you.
3
STEP: 3
Upload your documents and verify them.
4
STEP: 4
Sign the loan agreement to get the funds disbursed.
Just like the steps to apply for a loan vary based on the platform, your eligibility criteria and documents required will be at the sole discretion of the loan app you choose. However, here are some general eligibility criteria that most apps look for -
Age: Candidate should be between the ages of 21 and 60.
Type of Employment: Candidate should be employed, either self-employed or salaried.
Income: The monthly income requirements to avail of a loan range between ₹15,000 and ₹ 25,000.
Credit Score: Candidate should have a minimum CIBIL score of 650 to 700.
Now, let’s look at the documents most apps ask for -
A clear selfie
Online KYC completion
Proof of identity
Proof of address
Proof of income
Get Funds in Your Account in Minutes
According to data, digital lending platforms facilitated personal loans worth ₹15,000 Crore in 2022-23. This is a 120% growth compared to the previous year.
Digital lending platforms are getting increasingly popular due to the convenience they offer.
You don’t need to go to any physical branch and can apply for funds from anywhere in the country.
eKYC assists in paperless applications and quick approvals.
You can apply right from the comfort of your home, with a few clicks on your smartphone.
You can check your eligibility, loan application, approvals, EMIs, and everything on the app easily.
If you are looking for a well-rounded, top-rated app for all your financial needs, try Moneyview. To check your eligibility and apply, download the Moneyview app right now.
Personal Loan for Different Salaries |
|
|---|---|
Instant personal loan apps are the best way to borrow money instantly. You can read about the top 30 apps here and choose the one that fits your requirements.
Yes. Some online lenders offer personal loans to applicants with low credit scores or no credit scores at all. However, they may charge a higher interest rate in such cases.
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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