Our Products
Loans
Cards
Insurance
Investment
Stock Market
Electronics Mall
CIBIL Score
Knowledge Centre
Calculators
Our Services
Do not call
En
Table of Content
With the universal penetration 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 loan with minimal documentation, and the application process is fully online.
Check out the list of some of the best loan apps in 2026 that you can apply for all your planned or unplanned financial requirements. Take both the maximum amount they offer and the interest rate into consideration and make an informed decision.
Here is a comprehensive list of some of the best loan apps in 2026 and their terms.
Loan App |
Maximum Loan Amount |
Starting Interest Rate |
Play Store Rating |
iOS App Store Rating |
Play Store App Link |
iOS App Store App Link |
₹55 Lakhs |
10% p.a. |
4.5 / 5 |
4.7 / 5 |
|||
Bajaj Finserv: UPI & Loan App |
₹55 Lakhs |
10% p.a. |
4.8 / 5 |
4.7 / 5 |
||
IDFC FIRST Bank: MobileBanking |
₹10 Lakhs |
9.99% p.a. |
4.9 / 5 |
4.8 / 5 |
||
Moneyview: UPI, Personal Loans |
₹10 Lakhs |
1.33% p.m. |
4.8 / 5 |
4.9 / 5 |
||
Kissht: Personal Loan Online |
₹4 Lakhs |
14% p.a. |
4.6 / 5 |
- |
- |
|
Olyv: Loans & Credit Score |
₹1 Lakh |
18% p.a. |
4.6 / 5 |
- |
- |
|
CASHe Quick Personal Loan App |
₹3 Lakhs |
2.79% p.m. |
4.4 / 5 |
4.3 / 5 |
||
Fibe Quick, Easy Personal Loan |
₹5 Lakhs |
14.00% p.a. |
4.5 / 5 |
4.5 / 5 |
||
ZestMoney - Shop on Easy EMIs |
₹5 Lakhs |
14.00% p.a. |
4.4 / 5 |
3.3 / 5 |
||
Buddy Loan - Personal Loan App |
₹15 Lakhs |
11.99% p.a. |
4.5 / 5 |
4.8 / 5 |
||
Branch - Digital Bank & Loans |
₹5 Lakhs |
24.00% p.a. |
4.6 / 5 |
- |
- |
|
KreditBee: Personal Loans, UPI |
₹10 Lakhs | 12% p.a. |
4.6 / 5 |
4.4 / 5 |
||
Home Credit: Personal Loan App |
₹4.8 Lakhs |
19.2% p.a. |
4.5 / 5 |
- |
- |
|
mPokket: Instant Loan App |
₹2 Lakhs |
18.96% p.a. |
4.6 / 5 |
- |
- |
|
LazyPay: Loan App & Pay Later |
₹5 Lakhs |
15% p.a. |
4.4/5 |
4.8/5 |
||
True Balance-Personal Loan, UPI |
₹2 Lakhs |
28.8% p.a. |
4.5 / 5 |
- |
- |
|
Navi: UPI, Investments & Loans |
₹20 Lakhs |
26% p.a. |
4.4 / 5 |
4.6 / 5 |
||
Finnable Loan & Finance |
₹10 Lakhs |
15.95% p.a. |
4.3 / 5 |
4.2 / 5 |
||
Hero Instant Personal Loan Old |
₹5 Lakhs |
18.96% p.a. |
3.4 / 5 |
3.6 / 5 |
||
Pocketly: Your Online Loan App |
₹25,000 |
36.00% p.a. |
4.1 / 5 |
3.8 / 5 |
||
NIRA Instant Personal Loan App |
₹1 Lakh |
24.00% p.a. |
4.3 / 5 |
- |
- |
|
MoneyTap -Credit Loan Payments (Freo) |
₹5 Lakhs |
12% p.a. |
3.9 / 5 |
4.3 / 5 |
||
Instant Approval Personal Loan (IndiaLends) |
₹70 Lakhs |
10.75% p.a. |
4.1 / 5 |
4.5 / 5 |
||
RupeeRedee - Personal Loan App |
₹1.49 Lakhs |
28% p.a. |
4.6 / 5 |
- |
- |
|
StashFin Personal Loan & Bonds |
₹5 Lakhs |
11.99% p.a. |
4.4 / 5 |
4.3 / 5 |
||
PayMe: Personal Loan App |
₹5 Lakhs |
18.00% p.a. |
3.4 / 5 |
3.0 / 5 |
||
LoanTap - Personal Loan App |
₹10 Lakhs |
12.00% p.a. |
3.0 / 5 |
4.1 / 5 |
||
PaySense: Personal Loan App |
₹5 Lakhs |
14% p.a. |
2.9 / 5 |
- |
- |
|
Dhani: UPI, Cards & Bills |
₹15 Lakhs |
13.99% p.a. |
3.3 / 5 |
4.1 / 5 |
||
SMFG India Credit mConnect |
₹25 Lakhs |
12% p.a. |
2.4 / 5 |
- |
- |
|
FlexSalary Instant Loan App |
₹3 Lakhs |
36.5% p.a. |
4.4 / 5 |
4.3 / 5 |
||
Upwards: Quick Personal Loan |
₹5 Lakhs |
18.00% p.a. |
2.9 / 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 the best personal loan apps online:
Personal loans from over 20 prominent lenders are now easily accessible through the Bajaj Finserv Markets Loan App. You can download the app on the App Store and Google Play Store.
Alongside Personal Loans, you can check several other financial products like insurance policies, investment options, credit cards, and more on this app.
With over 100 million downloads, the Bajaj Finserv Personal Loan 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.
The IDFC FIRST Bank Personal Loan 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.
The Moneyview Digital Lending 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.
The Kissht Personal Loan 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.
The Olyv Loan App has over 20 million users and has disbursed more than 4 million loans. Download it to access funds easily.
You can download the CASHe Loan App from the Google Play Store or the App Store and get instant access to cash conveniently.
The Fibe Personal Loan App has been downloaded over 30 million times. You can find it on the Google Play Store or the App Store.
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 the ZestMoney Personal Loan App from the Google Play Store or the App Store.
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 the Buddy Loan Personal Loan App from the Google Play Store or the App Store.
The Branch Personal Cash Loan App has over 1 million downloads on the Google Play Store. Download it now and apply for funds in just a few easy steps.
With over 11 crore app downloads, the KreditBee Personal Loan App provides credit facilities to many customers. You can easily get it on the Google Play Store or the App Store.
With the Home Credit Personal Loan App, you can apply for a personal loan and enjoy instant approval, fast disbursal, and a completely online application process.
The mPokket Loan App provides fast financial solutions in India. You can download it from the Google Play Store.
Receive credit in just 90 seconds with this easy-to-navigate mobile app and manage your requirements easily. Get the LazyPay Loan App from the Google Play Store or the App Store.
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.
The Navi Loan App has over 10 million downloads and more than 3.6 million satisfied customers. Install the app to access funds conveniently.
Finnable offers personal loans conveniently via its innovative app. It is available for instant, free download on the Google Play Store.
The Hero FinCorp Personal Loan 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.
Download the Pocketly Loan 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.
Download the app to apply for a loan with ease. It is available exclusively on the Google Play Store.
The app has over 10 million downloads. You can download it from the Google Play Store or the App Store.
Download the IndiaLends Personal Loan 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.
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.
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.
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.
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.
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.
The Dhani Personal Loan 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.
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.
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.
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.
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.
With dozens of options available, selecting the best loan app for your specific needs can be overwhelming. To ensure you have a seamless and cost-effective borrowing experience, consider these critical factors before hitting the download button:
The interest rate is the most significant factor in determining the total cost of your borrowing. While searching for your ideal app, look for transparent pricing. Interest rates can vary as per the lender. Always calculate the Effective Annual Rate (EAR) to understand the real impact on your monthly budget.
Loan amounts vary across platforms based on their lending model and target borrower profile. Some apps focus on short‑term, small‑ticket loans for immediate expenses, while others offer higher amounts for broader financial needs. Choosing the right platform depends on selecting a loan amount that matches your requirement and repayment capacity, rather than borrowing more or less than needed.
Before sharing your personal data, check the Play Store and iOS App Store ratings. Reliable feedback from other borrowers can give you insights into the app's user interface, customer service responsiveness, and whether there are hidden technical glitches during the disbursal process.
Safety should be a primary consideration. Verify that the loan app is either operated by, or has disclosed partnerships with, an RBI‑registered bank or NBFC. Credible platforms clearly mention their regulated lending partners. This transparency helps ensure that interest calculations, disclosures, and recovery practices are carried out in line with the Reserve Bank of India’s Fair Practices Code.
Speed is often the key reason borrowers choose instant loan apps. It’s important to assess the time taken from application to disbursal. Many online loan apps provide quick in‑principle approvals within minutes, while the actual loan amount is typically credited to the borrower’s bank account within 24 to 48 hours, subject to verification and lender processes.
Yes, getting a loan from personal loan apps in India is safe. However, it is advisable to get a loan only from apps and entities that the RBI regulates.
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 get funds. However, make sure that you plan repayment and do not end up straining your finances.
On Bajaj Markets, you can get personal loans ranging from ₹1,000 to ₹55 Lakhs, depending on your eligibility.
There is no single ‘best’ loan app for everyone. The right option depends on factors such as your loan amount requirement, eligibility, credit profile, and preferred disbursal speed. Some platforms cater to higher‑value loans, while others focus on quicker, fully digital approvals for smaller amounts. Banking apps may offer integrated loan journeys for existing customers, while fintech apps emphasise faster, app‑based processing. Comparing available options based on your specific needs helps you choose the most suitable loan application.
Instant loan availability does not depend on the absence of a CIBIL check, but on a lender’s internal eligibility criteria. Some regulated loan apps assess applications using multiple data points, which may include income indicators, employment details, or alternative credit signals. These apps may be accessible to new‑to‑credit users; however, approvals remain subject to verification and lender policies. No regulated loan app guarantees approval without any form of credit assessment.
Loan apps act as digital access points for RBI‑registered banks and NBFCs. Users apply online, complete e‑KYC, and submit required financial details. Lenders assess eligibility through internal systems, and in‑principle decisions may be provided. Disbursal depends on verification and lender approval.
Safety is guaranteed when using apps backed by RBI-regulated entities. On Bajaj Markets, you can safely apply through partners like Muthoot Finance, Finnable, Zype and more. These platforms follow strict data protection norms and the RBI’s Fair Practice Code, ensuring your personal information is encrypted and recovery processes are ethical.
Academy by Bajaj Markets
165272
Unlock the world of credit! From picking the perfect card to savvy loan management, navigate wisely.
97564
Money Management and Financial Planning covers personal finance basics, setting goals, budgeting...
28577
Explore the investment cosmos! From beginner's guides to sharp-witted strategies, explore India's treasure trove of options.
47193
Navigate the tax maze with ease! Uncover Income Tax 101, demystify jargon with Terms for Beginners, and choose between Old or New Regimes.
18755
Discover essential insights on various types of insurance in India.
4583
Welcome to Tech in Finance, where we explore the exciting intersection of technology and finance...
Academy 
