Top 10 Instant Loan Apps in India (2025)

Looking for quick, convenient funding? These top-rated top 10 instant loan apps offer in India seamless digital borrowing — ideal for NBFCs, fintech founders, and borrowers:

1. KreditBee

• Loan Amount: ₹1,000–5 Lakh

• Interest: 17–29.95% p.a.

• Why it stands out: Promises 10‑minute approvals via app, flexible repayment tenures, minimal documents (investkraft.com, livemint.com, moneyview.in).

2. Bajaj Finserv

• Loan Amount: ₹20,000–40 Lakh

• Interest: 10–32% p.a.

• Highlights: High ticket limits, instant disbursal post-documents, EMI calculator and pre‑approved offers (en.wikipedia.org, kreditbazar.com, investkraft.com).

3. Moneyview

• Loan Amount: ₹5,000–10 Lakh

• Interest: ~14% p.a. onwards

• Overview: 10‑minute approval, digital KYC, unicorn by valuation, strong earnings (kreditbazar.com, investkraft.com).

4. CASHe

• Loan Amount: ₹1,000–4 Lakh

• Interest: ~2.5% per month (~30% p.a.)

• Features: AI-powered Social Loan Quotient, fast disbursals (livemint.com, onecreditscore.in).

5. LazyPay

• Loan Amount: ₹3,000–5 Lakh (BNPL up to ₹1 L)

• Interest: 15–32% p.a.

• Perks: 10‑minute approvals, hybrid BNPL + personal loans (moneyview.in, onecreditscore.in).

6. Navi

• Loan Amount: ₹10,000–20 Lakh

• Interest: From ~9.9% p.a.

• Benefits: Paperless KYC, 5‑minute disbursals, zero prepayment fees (transparentinvestment.in).

7. PaySense

• Loan Amount: ₹5,000–5 Lakh

• Interest: 16–36% p.a.

• Highlights: Flexible EMI tenure, pre-approved offers (transparentinvestment.in).

8. Dhani

• Loan Amount: ₹1,000–15 Lakh

• Interest: 13.99% onwards

• Edge: Super‑app with wallet, BNPL, healthcare and direct stock access (kreditbazar.com, as-sskitech.com).

9. ZestMoney

• Loan Amount: Up to ₹5 Lakh

• Interest: ~11.99% p.a.

• USP: No credit score needed, available for online/offline payments (kreditbazar.com, investkraft.com).

10. mPokket

• Loan Amount: Up to ₹45,000

• Interest: Up to ~48% p.a.

• Use case: Student-targeted loans, 10-minute KYC with PAN/Aadhaar (kreditbazar.com, livemint.com).

Extended Table: 50 Prominent with Top 10 Instant Loan Apps in India (2025)

#	App Name	Max Loan Amount	Interest Rate Range	Note / Rating
1	Bajaj Finserv	₹40 Lakh	10–32% p.a.	4.8 rating (bajajfinservmarkets.in, myfinflow.com)
2	Moneyview	₹10 Lakh	~10–14% p.a.	4.8 rating
3	IDFC First Bank	₹10 Lakh	~10.99% p.a.	4.9 rating
4	KreditBee	₹5 Lakh	17–29.95% p.a.	4.5 rating
5	CASHe	₹4 Lakh	~30% p.a. or 2.5%/mo	4.5 rating
6	LazyPay	₹5 Lakh	15–32% p.a.	4.4 rating
7	Navi	₹20 Lakh	~9.9% p.a.	4.3 rating
8	PaySense	₹5 Lakh	16–36% p.a.	4.2 rating
9	Dhani	₹15 Lakh	13.99% p.a.	4.3 rating
10	mPokket	₹45,000	Up to 48% p.a.	4.4 rating
11	ZestMoney	₹5 Lakh	~11.99% p.a.	4.5 rating
12	True Balance	₹1.25 Lakh	~2.4%/mo (~28.8% p.a.)	4.4 rating
13	Home Credit	₹5 Lakh	~19% p.a. or ~1.6%/mo	4.4 rating
14	Finnable	₹10 Lakh	~16% p.a.	4.2 rating
15	Buddy Loan	₹50 Lakh	~11.99% p.a.	4.5 rating
16	Fibe (EarlySalary)	₹5 Lakh	~12–18% p.a.	4.5 rating
17	SmartCoin (Olyv)	₹5 Lakh	~18–30% p.a.	4.6 rating
18	MoneyTap	₹5 Lakh	~13% p.a.	4.8 rating
19	Nira Finance	₹1.5 Lakh	~24% p.a.	4.2 rating
20	RupeeRedee	₹1.49 Lakh	~30–48% p.a.	3.7 rating
21	StashFin	₹5 Lakh	~11.99% p.a.	3.7 rating
22	PayMe India	₹5 Lakh	~18% p.a.	3.7 rating
23	LoanTap	₹10 Lakh	12–24% p.a.	3.2–3.4 rating
24	FlexSalary	₹3 Lakh	~18–54% p.a.	3.3 rating
25	SMFG India Credit	₹30 Lakh	~13% p.a.	3.3 rating
26	InCred	₹10 Lakh	~13.99% p.a.	4.3 rating
27	5oFin	₹5 Cr	~11% p.a.
28	Aditya Birla Capital	₹70 Lakh	~13% p.a.
29	IIFL Loan	₹5 Lakh	~12.75–44% p.a.
30	Tata Capital	₹35 Lakh	~10.99% p.a.
31	FairMoney	₹50,000	—
32	OxyLoans	₹10 Lakh	—
33	Lendingkart	₹10 Lakh	—
34	RupeeLend	₹50,000	—
35	KrazyBee	₹1 Lakh	—
36	Mi Credit	₹1 Lakh	—
37	CashBean	₹60,000	~2%/mo
38	CRED Cash	₹10 Lakh	1–3%/mo
39	Credy	₹1 Lakh	1–1.5%/mo
40	InstaMoney	₹25,000	2–2.99%/mo
41	InstaRupee	₹5,000	1.66–2.5%/mo
42	Kreditzy	₹2 Lakh	0%+
43	AnyTime Loans	₹10 Lakh	1.5–4.5%/mo
44	Capital First	₹25 Lakh	~1.16–1.33%/mo
45	Paytm (Postpaid)	₹2 Lakh	—
46	RapidRupee	₹60,000	~1%/mo
47	Zype	₹5 Lakh	16–36% p.a.
48	uuCash	₹20,000	—
49	Aavas Financiers	Loans (micro/housing)	—
50	Rang De	Micro loans	—

🚨 Safety & Risk Warnings

Be cautious—while many apps are legitimate, numerous unregulated and predatory instant-loan apps exist. These often push for extensive permissions, harass borrowers and contacts, and deliver far less than advertised:

“They copy all your contacts … then … message your contacts … If you miss payments they … send your morphed pictures and verbally abuse you.” (reddit.com)

Stick only with RBI/NBFC-backed apps listed here and download exclusively from official stores.

✍️ Tips to Choose Wisely

1. Interest & Fees: Examine effective annual rates and processing charges.

2. Disbursement Time: Minutes for most apps, but confirm during testing.

3. Repayment Flexibility: EMI options, prepayment charges, tenure ranges.

4. Regulatory Standing: Ensure RBI/NBFC partnership and valid license.

5. Reviews: Check Play Store/App Store for harassment or scam complaints.

6. Permission Requests: Avoid apps seeking unnecessary access to contacts, storage.

Final Word

Instant loan apps are a boon for fast, small-ticket funding—but only if you choose responsibly. Prefer NBFC or bank-backed apps with transparent terms and solid reviews.

Whether you’re an NBFC founder exploring app partnerships or a fintech innovator, these ten apps offer a reliable starting point for integration, lending partnerships, or just understanding borrower expectations.