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With the universal permeation of digitalisation, getting a loan has become easy. You can simply choose from the best personal loan apps and apply instantly. The best part is that you get the loans with minimal documentation, and the application process is fully online.
Check out the list of some of the best loan apps in 2025 that you can apply for all your planned or unplanned financial requirements. Take both the maximum amount they offer and the interest rate in consideration and make an informed decision.
Here is a comprehensive list of some of the top loan apps in 2025 and their terms.
Loan App |
Maximum Loan Amount |
Starting Interest Rate |
Play Store Rating |
App Link |
|---|---|---|---|---|
Bajaj Markets |
₹50 Lakhs |
9.99% p.a. |
4.4 / 5 |
|
Bajaj Finserv |
₹40 Lakhs |
11% p.a. |
4.8 / 5 |
|
IDFC FIRST Bank |
₹10 Lakhs |
10.99% p.a. |
4.9 / 5 |
|
MoneyView |
₹10 Lakhs |
10.00% p.a. |
4.8 / 5 |
|
Kissht |
₹5 Lakhs |
14.00% p.a. |
4.6 / 5 |
|
SmartCoin (Olyv) |
₹5 Lakhs |
18.00% p.a. |
4.6 / 5 |
|
CASHe |
₹4 Lakhs |
30.00% p.a. |
4.5 / 5 |
|
Fibe |
₹5 Lakhs |
16.00% p.a. |
4.5 / 5 |
|
ZestMoney |
₹5 Lakhs |
14.00% p.a. |
4.5 / 5 |
|
Buddy Loan |
₹50 Lakhs |
11.99% p.a. |
4.5 / 5 |
|
Branch |
₹5 Lakhs |
24.00% p.a. |
4.5 / 5 |
|
KreditBee |
₹5 Lakhs |
17.00% p.a. |
4.5 / 5 |
|
Home Credit |
₹5 Lakhs |
19.2% p.a. |
4.4 / 5 |
|
mPokket |
₹45,000 |
0% p.a. |
4.4 / 5 |
|
True Balance |
₹1,25,000 |
28.8% p.a. |
4.4 / 5 |
|
Navi |
₹20 Lakhs |
9.90% p.a. |
4.3 / 5 |
|
Finnable |
₹10 Lakhs |
16% p.a. |
4.2 / 5 |
|
Hero FinCorp |
₹5 Lakhs |
19.00% p.a. |
4.2 / 5 |
|
Pocketly |
₹10,000 |
24.00% p.a. |
4.2 / 5 |
|
Nira Finance |
₹1 Lakh |
24.00% p.a. |
4.2 / 5 |
|
MoneyTap |
₹5 Lakhs |
13.00% p.a. |
4 / 5 |
|
IndiaLends |
₹70 Lakhs |
10.75% p.a. |
3.9 / 5 |
|
RupeeRedee |
₹1.49 Lakhs |
30% p.a. |
3.7 / 5 |
|
StashFin |
₹5 Lakhs |
11.99% p.a. |
3.7 / 5 |
|
PayMe India |
₹5 Lakhs |
18.00% p.a. |
3.7 / 5 |
|
LoanTap |
₹10 Lakhs |
24.00% p.a. |
3.4 / 5 |
|
PaySense |
₹5 Lakhs |
1.4% p.m. |
3.3 / 5 |
|
Dhani |
₹15 Lakhs |
13.99% p.a. |
3.3 / 5 |
|
SMFG India Credit |
₹30 Lakhs |
13.00% p.a. |
3.3 / 5 |
|
FlexSalary |
₹3 Lakhs |
36.5% p.a. |
3.3 / 5 |
|
Upwards |
₹5 Lakhs |
9.00% p.a. |
3.2 / 5 |
Disclaimer: Interest rates and other details are subject to change. Please check with the lender before applying.
From loan terms to app ratings given by consumers, take a look at some essential features of these personal loan apps:
Bajaj Markets
Personal loans from over 20 prominent lenders are now easily accessible through the Bajaj Markets Loan App. Once can download the app on the App Store and Google Play Store. Alongside personal loans, customers can check several other financial products like insurance policies, investment options, credit cards, and more on this app.
Minimum Amount: ₹500
Maximum Amount: ₹50 Lakhs
Tenure Range: Up to 96 months
Interest Rate: Starting at 9.99% p.a.
Processing Fees: Up to 12%
Age Criteria: 18 to 66 years
Play Store Rating: 4.4 / 5
Bajaj Finserv
With over 100 million downloads, this app caters to the financial needs of a wide range of customers. You can get it on the Google Play Store as well as the App Store.
Minimum Amount: ₹20,000
Maximum Amount: ₹40 Lakhs
Tenure Range: Up to 96 months
Interest Rate: Starting at 11% p.a.
Processing Fees: Up to 3.93%
Age Criteria: 21 to 80 years
Play Store Rating: 4.8 / 5
IDFC FIRST Bank
The IDFC FIRST Bank app allows you to apply for a loan and access various other services. You can download it from the Google Play Store or the App Store.
Minimum Amount: ₹5,000
Maximum Amount: ₹10 Lakhs
Interest Rate: Starting at 10.99% p.a.
Processing Fees: Up to 2%
Age Criteria: 21 to 60 years
Play Store Rating: 4.9 / 5
MoneyView
The app has over 50 million downloads on the Google Play Store. Access a wide range of financial services all in one easy-to-use app.
Minimum Amount: ₹5,000
Maximum Amount: ₹10 Lakhs
Tenure Range: Up to 60 months
Interest Rate: Starting at 10% p.a.
Processing Fees: Starting at 2%
Age Criteria: 21 to 57 years
Play Store Rating: 4.8 / 5
Kissht
The app has over 41 million downloads and is available exclusively on the Google Play Store. With it, you can secure loans quickly and manage your needs without any delays.
Minimum Amount: ₹30,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 14% p.a.
Processing Fees: Up to 6%
Age Criteria: 18 years and above
Play Store Rating: 4.6 / 5
SmartCoin (Olvy)
The app has over 20 million users and has disbursed more than 4 million loans. Download it to access funds easily.
Minimum Amount: ₹1,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 24 months
Interest Rate: Starting at 18% p.a.
Processing Fees: Up to 12%
Age Criteria: 21 to 60 years
Play Store Rating: 4.6 / 5
CASHe
You can download the app from the Google Play Store or the App Store and get instant access to cash conveniently.
Minimum Amount: ₹1,000
Maximum Amount: ₹4 Lakhs
Tenure Range: Up to 18 months
Interest Rate: Starting at 30% p.a.
Processing Fees: Up to 3%
Age Criteria: 21 years and above
Play Store Rating: 4.5 / 5
Fibe
The Fibe app has been downloaded over 30 million times. You can find it on the Google Play Store or the App Store.
Minimum Amount: ₹5,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 16 p.a.
Processing Fees: Starting 2%
Age Criteria: 21 to 55 years
Play Store Rating: 4.5 / 5
ZestMoney
Manage and pay your existing EMIs, apply for new ones, and explore the network of over 85,000 merchant partners, all within a single app. Download it from the Google Play Store or the App Store.
Minimum Amount: ₹1,000
Maximum Amount: ₹10 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 14% p.a.
Processing Fees: Zero
Age Criteria: 18 to 65 years
Play Store Rating: 4.5 / 5
Buddy Loan
With over 10 million downloads, this innovative loan app is designed to provide quick access to cash and efficiently manage your urgent financial needs. Download it from the Google Play Store or the App Store.
Minimum Amount: ₹10,000
Maximum Amount: ₹15 Lakhs
Tenure Range: Up to 60 months
Interest Rate: Starting at 11.99% p.a.
Processing Fees: Up to 4%
Age Criteria: 21 to 60 years
Play Store Rating: 4.5 / 5
Branch
The app has over 1 million downloads on the Google Play Store. Download it now and apply for funds in just a few easy steps.
Minimum Amount: ₹500
Maximum Amount: ₹2 Lakhs
Tenure Range: Up to 12 months
Interest Rate: Starting at 2 p.a.
Processing Fees: Up to ₹899
Age Criteria: 18 to 58 years
Play Store Rating: 4.5 / 5
KreditBee
With over 11 crore app downloads, this app provides credit facilities to many customers. You can easily get it on the Google Play Store or the App Store.
Minimum Amount: ₹1,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 17% p.a.
Processing Fees: Up to 6.5%
Age Criteria: 21 to 60 years
Play Store Rating: 4.5 / 5
Home Credit
Home Credit is trusted by over 16 million customers. You can apply for a personal loan with instant approval, fast disbursal, and a completely online application process.
Minimum Amount: ₹10,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 60 months
Interest Rate: Starting at 19.2% p.a.
Processing Fees: Up to 5%
Age Criteria: 18 to 60 years
Play Store Rating: 4.4 / 5
mPokket
mPokket is an instant loan app that provides fast financial solutions in India. You can download it from the Google Play Store.
Minimum Amount: ₹500
Maximum Amount: ₹45,000
Tenure Range: Up to 12 months
Interest Rate: Up to 48% p.a.
Processing Fees: ₹50 + GST
Age Criteria: 18 to 50 years
Play Store Rating: 4.4 / 5
LazyPay
Receive credit in just 90 seconds with this easy-to-navigate mobile app and manage your requirements easily. Get it from the Google Play Store or the App Store.
Minimum Amount: ₹10,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 24 months
Interest Rate: Starting at 15% p.a.
Processing Fees: Up to 2%
Age Criteria: 22 to 55 years
Play Store Rating: 4.4 / 5
True Balance
Apply for an instant personal loan online through the mobile app and get the funds in your bank account quickly. Download the app from the Google Play Store.
Minimum Amount: ₹5,000
Maximum Amount: ₹1.25 Lakh
Tenure Range: Up to 12 months
Interest Rate: Starting at 28.8% p.a.
Processing Fees: Up to 15%
Age Criteria: 18 years and above
Play Store Rating: 4.4 / 5
Navi
The Navi mobile app has over 10 million downloads and more than 3.6 million satisfied customers. Install the app to access funds conveniently.
Minimum Amount: ₹10,000
Maximum Amount: ₹20 Lakhs
Tenure Range: Up to 48 months
Interest Rate: Starting at 9.9% p.a.
Processing Fees: Zero
Age Criteria: 18 to 65 years
Play Store Rating: 4.3 / 5
Finnable
Finnable offers personal loans conveniently via its innovative app. It is available for instant, free download on the Google Play Store.
Minimum Amount: ₹50,000
Maximum Amount: ₹10 Lakhs
Tenure Range: Up to 60 months
Interest Rate: Starting at 16% p.a.
Processing Fees: Up to 4%
Age Criteria: 21 to 62 years
Play Store Rating: 4.2 / 5
Hero FinCorp
The Hero FinCorp app allows you to apply for a loan digitally, track your application, and more. Download it from the Google Play Store or the App Store.
Minimum Amount: ₹50,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 19% p.a.
Processing Fees: Starting at 2.5%
Age Criteria: 21 to 58 years
Play Store Rating: 4.2 / 5
Pocketly
Download the Pocketly app for quick access to the funds you need. Get it from the Google Play Store or the App Store and apply for a loan with ease.
Minimum Amount: ₹500
Maximum Amount: ₹10,000
Tenure Range: Up to 6 months
Interest Rate: Starting at 12% p.a.
Processing Fees: Up to 7.5%
Age Criteria: 18 to 30 years
Play Store Rating: 4.2 / 5
Nira Finance
Download the app to apply for a loan with ease. It is available exclusively on the Google Play Store.
Minimum Amount: ₹5,000
Maximum Amount: ₹1 Lakh
Tenure Range: Up to 12 months
Interest Rate: Starting at 24% p.a.
Processing Fees: Up to 8%
Age Criteria: 21 to 55 years
Play Store Rating: 4.2 / 5
MoneyTap
The app has over 10 million downloads. You can download it from the Google Play Store or the App Store.
Minimum Amount: ₹3,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 13% p.a.
Processing Fees: Up to 7%
Age Criteria: 23 years and above
Play Store Rating: 4 / 5
IndiaLends
Download the IndiaLends app from the Google Play Store or the App Store. Stay updated on your credit score anytime and gain direct access to personal loans and credit card offers.
Minimum Amount: ₹15,000
Maximum Amount: ₹70 Lakhs
Tenure Range: Up to 60 months
Interest Rate: Starting at 10.75% p.a.
Processing Fees: Up to 6%.
Age Criteria: 18 to 65 years
Play Store Rating: 3.9 / 5
RupeeRedee
With over 10 million downloads, this app offers financial solutions to countless customers. RupeeRedee promises to deposit money into your account within 10 minutes after you complete its straightforward application process.
Minimum Amount: ₹2,000
Maximum Amount: ₹1.49 Lakhs
Tenure Range: Up to 12 months
Interest Rate: Starting at 30% p.a.
Processing Fees: Up to 15
Age Criteria: 18 to 65 years
Play Store Rating: 3.7 / 5
StashFin
The app has over 10 million downloads on the Google Play Store. Download it from the Google Play Store or the App Store and apply for a loan in minutes.
Minimum Amount: ₹1,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 11.99% p.a.
Processing Fees: Zero
Age Criteria: 18 years and above
Play Store Rating: 3.7 / 5
PayMe India
Key features of the PayMe personal loan app include quick fund disbursal, fixed interest rates, and support in multiple languages. Download it from the Google Play Store or the App Store.
Minimum Amount: ₹500
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 24 months
Interest Rate: Starting at 18% p.a.
Processing Fees: Up to 10%
Age Criteria: 21 to 58 years
Play Store Rating: 3.7 / 5
LoanTap
This personal loan app offers a simple and convenient way to access funds quickly. Its user-friendly interface streamlines the entire application process. Get it from the Google Play Store or the App Store.
Minimum Amount: ₹50,000
Maximum Amount: ₹10 Lakh
Tenure Range: Up to 60 months
Interest Rate: Starting at 24% p.a.
Processing Fees: Up to 2%
Age Criteria: 23 to 58 years
Play Store Rating: 3.4 / 5
PaySense
Available on the Google Play Store, this app has disbursed loans to over 2,56,664 customers. You can get the funds you need with a convenient application process and minimal formalities.
Minimum Amount: ₹5,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 2 years
Interest Rate: Starting at 1.4% per month
Processing Fees: Up to 2.5%
Age Criteria: 21 to 60 years
Play Store Rating: 3.3 / 5
Dhani
The Dhani mobile app has a high rating and it proudly serves over 50 million customers. You can get the funds you need 100% digitally via this app.
Minimum Amount: ₹1,000
Maximum Amount: ₹15 Lakhs
Tenure Range: Up to 24 months
Interest Rate: Starting at 13.99% p.a.
Processing Fees: Starting at 1.25%
Age Criteria: 21 years and above
Play Store Rating: 3.3 / 5
SMFG India Credit (Fullerton)
You can apply for a loan online from anywhere using this user-friendly, convenient, and secure mobile app. It has over 5 lakh downloads on the Google Play Store.
Minimum Amount: ₹50,000
Maximum Amount: ₹30 Lakhs
Tenure Range: Up to 60 months
Interest Rate: Starting at 13% p.a.
Processing Fees: Up to 6%
Age Criteria: 21 to 60 years
Play Store Rating: 3.3 / 5
FlexSalary
With this instant loan app, you can get approval and funds within hours instead of waiting days or weeks for a traditional loan. Download it from the Google Play Store or the App Store.
Minimum Amount: ₹8,000
Maximum Amount: ₹3 Lakhs
Tenure Range: Up to 36 months
Interest Rate: Starting at 36.5% p.a.
Processing Fees: Up to ₹3,000
Age Criteria: 21 years and above
Play Store Rating: 3.3 / 5
Upwards
The app has over 5 million downloads and has disbursed loans totalling over ₹500 Crores. Download it from the Google Play Store and apply for the loan easily.
Minimum Amount: ₹20,000
Maximum Amount: ₹5 Lakhs
Tenure Range: Up to 60 months
Interest Rate: Starting at 9% p.a.
Processing Fees: Up to 2%
Age Criteria: 21 to 55 years
Personal loan apps may offer instant funds and allow you to qualify for financing with ease. However, compare their other charges and interest rates to banks and NBFCs before you proceed for a pocket-friendly experience.
Yes, availing a loan from personal loan apps in India is safe. However, it is advisable to get a loan only from apps and entities that are regulated by the RBI.
You can choose from any of the several personal loan apps available in India. These apps typically approve your loan application and sanction your funds within a few hours.
Yes, there are no restrictions on using multiple personal loan apps to avail of funds. However, make sure that you plan repayment and do not end up straining your finances.
Personal loan apps offer various loan amounts for the needs of the customers, ranging from ₹1,000 to ₹50 Lakhs.
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