Top 10 Best Instant Personal Loan Apps

Hi Sky Readers, As we know that everyone’s pocket is tight these days due to a number of reasons. For the very same reasons Money lending apps in India have become popular due to the number of benefits they offer and taking a loan is no more a taboo today. It gives an individual to plan his life as per his terms. Therefore If you need urgent money requirements and if you are thinking about a Best personal loan then this post will be helpful for you because in this article we are sharing about Best Instant Personal Loan Apps in India with details of how can you get Loan through Best Instant Loan Offering App.


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Due to job switches or extra money requirements during college time for students,  your bank balance does not match with the irregular expenses. You do not want to discuss your financial problems with friends and relatives and borrow money from them. And then, you look for a money lender who can lend loans at low rates.  To overcome this problem is to check the list of top 10 best personal loan online services app or website.

Best instant personal loan apps india
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Best instant personal loan apps in India

Personal loans for Entrepreneurs, businessmen, and students these days are available in a very quick way. Therefore, in this post, we will discuss the best instant personal loan apps for professionals and students.


What is Personal Loan?

instant personal apps
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instant personal apps

A personal loan as the name itself suggests can be taken for any personal requirements say day to day expenses, medical emergency, wedding expenses, vacation, home renovation, studies, buying a motorbike, etc. Being an unsecured loan, the rate of interest on the best instant personal loans is naturally on the higher side. But we are here to save your money by telling you about the low rate personal loans. You can also save a lot if you have an excellent credit card score. Today, several companies offer instant personal loan apps that offer a fast, paperless, and hassle-free way of getting quick cash.

How to Apply for a Personal Loan?

Step 1 – Download & Register
Fill in your basic details and know if you qualify for a loan in real-time.

Step 2 – KYC Documentation
After pre-approval, we’ll schedule a KYC visit to collect your documents for final approval.

Step 3 – Start Using Funds
Once you receive the final approval, your credit line is ready to use – anytime, anywhere.

Step 4 – Choose flexible EMIs
Repay your borrowed amount in flexible EMIs of 2-36 months right from the app.

Eligibility Criteria for getting Personal Loans

  • Must be a full-time salaried employee with a minimum take-home salary of ₹ 20,000/month
    OR Must be a self-employed professional with an income of at least ₹ 20,000/month (Only certain professionals like doctors, lawyers, or business owners qualify)
  • Age differs as per Companies
  • Must be a resident of India.

What are the Required Documents for getting Loan?

  • Pan Card Number
  • Professional Selfie (To be taken on the MoneyTap App)
  • Address Proof (Valid Driving License / Valid Passport / Aadhar Card)
  • ID Proof (Valid Driving License / Valid Passport / Voter’s ID / Aadhar Card / Pan Card)

List of Top 10 Best Instant Personal Loan Apps –

  1. MoneyTap
  2. PaySense
  3. Dhani App by IndiaBulls
  4. KreditBee
  5. Capital First Limited
  6. MoneyView
  7. Smart Coin
  8. LazyPay
  9. ZestMoney
  10. Bajaj Finserv

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Best Instant Personal Loans Apps –

1. MoneyTap 

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It is India’s first app-based credit line. The best part is its no-usage-no-interest feature, which has made taking credit more affordable. They offer Personal Loan 2.0 – The Simplest Way to Get Financial help. Access emergency funds anytime, anywhere with Personal Loan 2.0 by MoneyTap. A personal line of credit with no hassles and delays of a traditional loan. Only pay interest on the amount you actually use! You only pay interest on the amount used by you. It is a personal loan app that provides funds to customers, which works as an instant loan or a credit card. MoneyTap is essentially a money lending company with cheap interest rates.

2. PaySense 

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PaySense is one of the best instant loan apps in India. It has both an app and a website where salaried professionals and self-employed individuals can apply for an instant personal loan. Founded by Sayali Karanjkar and Prashanth Ranganathan in Mumbai, the company has partnered with Fullerton and IIFIL for the disbursal of loans. PaySense offers a simple EMI calculator to help borrowers calculate the EMI they shall pay every month.

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. Salaried professionals who earn at least INR 12,000 per month and self-employed individuals who earn a minimum of INR 15,000 per month are eligible to borrow from PaySense. Last year, the company raised $18 million in Series B funding. It was founded in the year 2015 and Minimum Loan Amount: INR 5,000 and Maximum Loan Amount: INR 5,00,000.

3. Dhani App by IndiaBulls

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Indiabulls Dhani personal loan app offers a personal loan of up to Rs. 15 Lakh instantly, into your bank account. All you need is your Pan Card and Address Proof, personal loan application with Dhani app has minimum eligibility and documents requirement. Using the Dhani personal loan mobile app, you can not only apply for a personal loan at the low-interest rate but can also manage your loan account, pay dues.

Indiabulls Dhani Personal Loan App provides instant loans at Interest rates starting from 1% to 3.17% p.m., ranging from ₹ 1,000 to ₹ 15 Lakhs and has zero foreclosure charges on loans below ₹ 20,000. One can avail loans for a tenure of 3 months to 36 months. Processing Fees range from 1.5% to 6%.

4. KreditBee

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KreditBee is an Instant Personal Loan App & Credit Platform for Young Professionals across India, where one can apply for Personal Loan Online & avail up to ₹2 Lakh as Direct Cash Transfer to Bank Account. Its unique Features are 100% Online process, Minimal documentation, Fast approval, Immediate bank transfer. Loans range from ₹1,000 to ₹200,000
Tenure: 91 days to 15 months. Interest rates range from 0%-29.95% depending on the risk profile of customer and product availed
Example: If the loan amount is ₹50,000 & interest is 22% per annum with tenure of 91 days; after deducting any other fees
Interest = ₹50,000 x 22%/365 x 91 = ₹2,742

5. Capital First Limited

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IDFC FIRST Bank offers personal loans at a reducing interest rate. These loans are useful if you have a personal emergency or a family needs to meet. A personal loan is flexible enough to even fund a family vacation. Using our personal loan EMI calculator, simply fill in the personal loan interest rate and calculate the EMI instantly. IDFC FIRST Bank personal loan calculator is simple; it requires you to add the loan amount, interest rate and tenure and find out how much you will have to repay each month so that you can borrow with confidence. Personal Loan amount ranging from 1 Lakh to 40 Lakhs, Paperless digital sanctions, Loan tenure from 12 months to 84 months, Flexibility to make up to 40%* part payment & ROI starting as low as 10.75%*6.

6. MoneyView

moneyview Loans
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Moneyview Loans

Form MoneyView Get Instant personal Loans in India of up to ₹5 Lakhs From Anywhere you are in India. Their process of application is Entirely Paperless Application and they are Completely Safe & Secure for the privacy. The Flexible Repayment Terms of MoneyView app is up to 5 Years. 

MoneyView provide instant loans from ₹10,000 to ₹5,00,000, with monthly interest between 1.33% – 2.5%. Loans are given for a minimum duration of 3 months. The maximum duration is 60 months. The standard processing fee varies from 2.5% to 4% of the loan amount. Our yearly interest rates vary from 16% – 36%*.

They are fast in processing your queries and You can learn if you’re eligible for an instant loan in 2 mins and get the money in 24 hrs. Your documentation to verification, every step of your application is fully digital. If you have a low credit score? No problem! With our alternate credit model, you can still get a loan.

7. Smart Coin

SmartCoin Instant personal loan app
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SmartCoin Instant Personal Loan App

SmartCoin is one of India’s instant online loan providers for individuals looking for Personal Loans. SmartCoin provides personal loans, loan credit, cash loans to profiles like Business Owners, Support Executives, Salaried Professionals. The minimum monthly income of Rs 15000.  is required to get the instant load from the smart Coin App.

The process of Load applications and approval of load in completely digital on the Smart Coin App. Once you have submitted the required documents the Smart Coin has a quick response time for the customer’s personal loans. Once the loan is approved it will be transferred to your account instantly.

8. Lazy Pay

Lazypay personal loan app
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Lazypay personal loan app

LazyPay is one of the leading online loan provider apps in India. The Lazy Pay is offering its users a credit limit between Rs 10,000 to Rs 1 lakh. They have instant loan approval and zero collateral. The interest rates range from 15% to 32% p.a. for the personal loan, the EMI tenures will be of 3 to 24 months.  Same as all the above instant apps for personal loans in India they also have instant loan process and approved time. They are fully digital and secure.

They have a simple equation for the users
Sample EMI Calculation
Loan amount = Rs 10,000 Tenure = 6 months, @ interest rate of 18%* p.a.
EMI = Rs 1,755/- p.m.

9. Zest money

ZestMoney Instant loan app
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ZestMoney Instant loan app

ZestMoney one of the best instant personal load app in India with a consumer lending platform. This loan from such apps helps you to upgrade your lifestyle by providing you consumer durable loans. In the Zest Money app there will be No credit card or CIBIL score is required. You can purchase products across any platform like Amazon, Flipkart, MakeMyTrip, Myntra, Mi.com, Mi Homes, etc and payback in easy EMIs options.

You can avail instant personal loans from INR 1,000 to INR 10 Lakhs form the Zest Money App. There will be no processing fee on the ZestMoney instant loan app.

10. Bajaj Finserv

Bajaj Finserv Personal Loan
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Bajaj Finserv Personal Loan

The Bajaj Finserv Experia App is the one-stop solution for all post-loan or investment services provider. A personal loan is an unsecured loan that can be used for a variety of ways, it includes medical treatment, home renovation, travel, wedding, and any other urgent financial requirement. From Bajaj Finserv Instant Personal Loan, you can borrow up to Rs.25 lakh and get instant approval on it. You will be required to submit minimal documentation.

New users can also check their preapproved limit assigned for the following products, you just need to log in using your mobile number and authenticate using OTP received.


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