Top 10 Instant Loan Apps in India (2025)
- Tarun Kumar
- Jul 7
- 4 min read
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
Interest & Fees: Examine effective annual rates and processing charges.
Disbursement Time: Minutes for most apps, but confirm during testing.
Repayment Flexibility: EMI options, prepayment charges, tenure ranges.
Regulatory Standing: Ensure RBI/NBFC partnership and valid license.
Reviews: Check Play Store/App Store for harassment or scam complaints.
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.
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