BAJAJ FINSERV DIRECT LIMITED
Lending Insight

Instant Personal Loan Apps in India

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Aakash Jain

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 2025 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. 

Top 32 Instant Loan Apps in India in 2025

Here is a comprehensive list of some of the best loan apps in 2025 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

Bajaj Finserv Markets Loan App

₹55 Lakhs

9.99 p.a.

4.5 / 5

4.7 / 5

Download App

Download App

Bajaj Finserv: UPI & Loan App

₹55 Lakhs

10% p.a.

4.8 / 5

4.7 / 5

Download App

Download App

IDFC FIRST Bank: MobileBanking

₹10 Lakhs

9.99% p.a.

4.9 / 5

4.8 / 5

Download App

Download App

Moneyview: UPI, Personal Loans 

₹10 Lakhs

1.33% p.m.

4.8 / 5

4.9 / 5

Download App

Download App

Kissht: Personal Loan Online

₹4 Lakhs

14.00% p.a.

4.6 / 5

-

Download App

-

Olyv: Loans & Credit Score

₹1 Lakh

18.00% p.a.

4.6 / 5

-

Download App

-

CASHe Quick Personal Loan App

₹3 Lakhs

2.79% p.m.

4.4 / 5

4.3 / 5

Download App

Download App

Fibe Quick, Easy Personal Loan

₹5 Lakhs

14.00% p.a.

4.5 / 5

4.5 / 5

Download App

Download App

ZestMoney - Shop on Easy EMIs

₹5 Lakhs

14.00% p.a.

4.4 / 5

3.3 / 5

Download App

Download App

Buddy Loan - Personal Loan App

₹15 Lakhs

11.99% p.a.

4.5 / 5

4.8 / 5

Download App

Download App

Branch - Digital Bank & Loans

₹5 Lakhs

24.00% p.a.

4.6 / 5

-

Download App

-

KreditBee: Personal Loans, UPI

₹10 Lakhs

12.00% p.a.

4.6 / 5

4.4 / 5

Download App

Download App

Home Credit: Personal Loan App

₹4.8 Lakhs

19.2% p.a. 

4.5 / 5

-

Download App

-

mPokket: Instant Loan App

₹45,000

24% p.a.

4.6 / 5

-

Download App

-

LazyPay: Loan App & Pay Later

₹5 Lakhs

15% p.a.

4.4/5

4.8/5

 

Download App

True Balance-Personal Loan, UPI

₹2 Lakhs

28.8% p.a.

4.5 / 5

-

Download App

-

Navi: UPI, Investments & Loans

₹20 Lakhs

26% p.a.

4.4 / 5

4.6 / 5

Download App

Download App

Finnable Loan & Finance

₹10 Lakhs

15.95% p.a.

4.3 / 5

4.2 / 5

Download App

Download App

Hero Instant Personal Loan Old

₹5 Lakhs

18.96% p.a.

3.4 / 5

3.6 / 5

Download App

Download App

Pocketly: Your Online Loan App

₹25,000

36.00% p.a.

4.1 / 5

3.8 / 5

Download App

Download App

NIRA Instant Personal Loan App

₹1 Lakh

24.00% p.a.

4.3 / 5

-

Download App

-

MoneyTap -Credit Loan Payments (Freo) 

₹5 Lakhs

12.00% p.a.

3.9 / 5

4.3 / 5

Download App

Download App

Instant Approval Personal Loan (IndiaLends)

₹70 Lakhs

10.75% p.a.

4.1 / 5

4.5 / 5

Download App

Download App

RupeeRedee - Personal Loan App

₹1.49 Lakhs

28% p.a.

4.6 / 5

-

Download App

-

StashFin Personal Loan & Bonds

₹5 Lakhs

11.99% p.a.

4.4 / 5

4.3 / 5

Download App

Download App

PayMe: Personal Loan App

₹5 Lakhs

18.00% p.a.

3.4 / 5

3.0 / 5

Download App

Download App

LoanTap - Personal Loan App

₹10 Lakhs

12.00% p.a.

3.0 / 5

4.1 / 5

Download App

Download App

PaySense: Personal Loan App

₹5 Lakhs

14% p.a.

2.9 / 5

-

Download App

-

Dhani: UPI, Cards & Bills

₹15 Lakhs

13.99% p.a.

3.3 / 5

4.1 / 5

Download App

Download App

SMFG India Credit mConnect

₹25 Lakhs

12.00% p.a.

2.4 / 5

-

Download App

-

FlexSalary Instant Loan App

₹3 Lakhs

36.5% p.a.

4.4 / 5

4.3 / 5

Download App

Download App

Upwards: Quick Personal Loan

₹5 Lakhs

18.00% p.a.

2.9 / 5

-

Download App

-

Disclaimer: Interest rates and other details are subject to change and verified as of 8th September, 2025. Please check with the lender before applying.

Features and Benefits of Best Instant Personal Loan Apps

From loan terms to app ratings given by consumers, take a look at some essential features of these personal loan apps:

Bajaj Finserv Markets Loan App

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.

  • Minimum Amount: â‚¹500

  • Maximum Amount: â‚¹55 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: 4.5 / 5

Bajaj Finserv: UPI & Loan 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.

  • Minimum Amount: â‚¹20,000

  • Maximum Amount: â‚¹55 Lakhs

  • Tenure Range: Up to 96 months

  • Interest Rate: Starting at 10% p.a.

  • Processing Fees: Up to 3.93%

  • Age Criteria: 21 to 80 years

  • Play Store Rating: 4.8 / 5

IDFC FIRST Bank: MobileBanking 

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.

  • Minimum Amount: â‚¹5,000

  • Maximum Amount: â‚¹10 Lakhs

  • Interest Rate: Starting at 9.99% p.a.

  • Processing Fees: Up to 2%

  • Age Criteria: 21 to 60 years

  • Play Store Rating: 4.9 / 5

MoneyView: UPI, Personal Loans

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.

  • Minimum Amount: â‚¹30,000

  • Maximum Amount: â‚¹10 Lakhs

  • Tenure Range: Up to 60 months

  • Interest Rate: Starting at 1.33% p.m.

  • Processing Fees: Starting at 2%

  • Age Criteria: 21 to 57 years

  • Play Store Rating: 4.8 / 5

Kissht: Personal Loan Online

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.

  • Minimum Amount: â‚¹5,000

  • Maximum Amount: â‚¹4 Lakhs

  • Tenure Range: Up to 24 months

  • Interest Rate: Starting at 14% p.a.

  • Processing Fees: Up to 5%

  • Age Criteria: 18 years and above

  • Play Store Rating: 4.6 / 5

Olyv: Loans & Credit Score

The Olyv Loan App has over 20 million users and has disbursed more than 4 million loans. Download it to access funds easily.

  • Minimum Amount: â‚¹1,000

  • Maximum Amount: â‚¹1 Lakhs

  • Tenure Range: Up to 12 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 Quick Personal Loan App

You can download the CASHe Loan App from the Google Play Store or the App Store and get instant access to cash conveniently.

  • Minimum Amount: â‚¹50,000

  • Maximum Amount: â‚¹3 Lakhs

  • Tenure Range: Up to 18 months

  • Interest Rate: Starting at 2.79% p.m.

  • Processing Fees: Up to 5.5%

  • Age Criteria: 21 years and above

  • Play Store Rating: 4.4 / 5

Fibe Quick, Easy Personal Loan

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.

  • Minimum Amount: â‚¹50,000

  • Maximum Amount: â‚¹5 Lakhs

  • Tenure Range: Up to 36 months

  • Interest Rate: Starting at 14% p.a.

  • Processing Fees: Starting at 2%

  • Age Criteria: 21 to 55 years

  • Play Store Rating: 4.5 / 5

ZestMoney - Shop on Easy EMIs

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.

  • Minimum Amount: â‚¹1,000

  • Maximum Amount: â‚¹5 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: 4.4 / 5

Buddy Loan - Personal Loan App

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.

  • Minimum Amount: â‚¹10,000

  • Maximum Amount: â‚¹15 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 - Digital Bank & Loans

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.

  • Minimum Amount: â‚¹500

  • Maximum Amount: â‚¹5 Lakhs

  • Tenure Range: Up to 12 months

  • Interest Rate: Starting at 24% p.a.

  • Processing Fees: Up to ₹899

  • Age Criteria: 18 to 58 years

  • Play Store Rating: 4.6 / 5

KreditBee: Personal Loans, UPI

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.

  • Minimum Amount: â‚¹7,000

  • Maximum Amount: â‚¹10 Lakhs

  • Tenure Range: Up to 60 months

  • Interest Rate: Starting at 12% p.a.

  • Processing Fees: Up to 5.1%

  • Age Criteria: 21 to 60 years

  • Play Store Rating: 4.6 / 5

Home Credit: Personal Loan App

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.

  • Minimum Amount: â‚¹10,000

  • Maximum Amount: â‚¹4.8 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: 4.5 / 5

mPokket: Instant Loan App

The mPokket Loan App provides fast financial solutions in India. You can download it from the Google Play Store.

  • Minimum Amount: â‚¹500

  • Maximum Amount: â‚¹45,000

  • Tenure Range: Up to 3 months

  • Interest Rate: Up to 24% p.a.

  • Processing Fees: â‚¹50 to ₹200 + 18% GST

  • Age Criteria: 18 to 50 years

  • Play Store Rating: 4.6 / 5

LazyPay: Loan App & Pay Later

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.

  • Minimum Amount: â‚¹3,000

  • Maximum Amount: â‚¹5 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- Personal Loan, UPI

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: â‚¹5,000

  • Maximum Amount: â‚¹2 Lakhs

  • Tenure Range: Up to 12 months

  • Interest Rate: Starting at 28.8% p.a.

  • Processing Fees: Up to 10%

  • Age Criteria: 18 years and above

  • Play Store Rating: 4.5 / 5

Navi: UPI, Investments & Loans

The Navi Loan App has over 10 million downloads and more than 3.6 million satisfied customers. Install the app to access funds conveniently.

  • Minimum Amount: â‚¹10,000

  • Maximum Amount: â‚¹20 Lakhs

  • Tenure Range: Up to 84 months

  • Interest Rate: Starting at 26% p.a.

  • Processing Fees: Zero

  • Age Criteria: 18 to 65 years

  • Play Store Rating: 4.4 / 5

Finnable Loan & Finance

Finnable offers personal loans conveniently via its innovative app. It is available for instant, free download on the Google Play Store.

  • Minimum Amount: â‚¹20,000

  • Maximum Amount: â‚¹10 Lakhs

  • Tenure Range: Up to 60 months

  • Interest Rate: Starting at 15.95% p.a.

  • Processing Fees: Up to 3%

  • Age Criteria: 21 to 62 years

  • Play Store Rating: 4.3 / 5

Hero Instant Personal Loan Old

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.

  • Minimum Amount: â‚¹50,000

  • Maximum Amount: â‚¹5 Lakhs

  • Tenure Range: Up to 36 months

  • Interest Rate: Starting at 18.96% p.a.

  • Processing Fees: Starting at 2.5%

  • Age Criteria: 21 to 58 years

  • Play Store Rating: 4.0 / 5

Pocketly: Your Online Loan App

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.

  • Minimum Amount: â‚¹500

  • Maximum Amount: â‚¹25,000

  • Tenure Range: Up to 6 months

  • Interest Rate: Starting at 36% p.a.

  • Processing Fees: Up to 7.5%

  • Age Criteria: 18 to 30 years

  • Play Store Rating: 4.1 / 5

NIRA Instant Personal Loan App

Download the app to apply for a loan with ease. It is available exclusively on the Google Play Store.

  • Minimum Amount: â‚¹5,000

  • Maximum Amount: â‚¹1 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: 4.3 / 5

MoneyTap -Credit Loan Payments (Freo)

The app has over 10 million downloads. You can download it from the Google Play Store or the App Store.

  • Minimum Amount: â‚¹5,000

  • Maximum Amount: â‚¹5 Lakhs

  • Tenure Range: Up to 36 months

  • Interest Rate: Starting at 12% p.a.

  • Processing Fees: Up to 1%

  • Age Criteria: 23 years and above

  • Play Store Rating: 4.2/ 5

Instant Approval Personal Loan (IndiaLends)

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.

  • Minimum Amount: â‚¹15,000

  • Maximum Amount: â‚¹70 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: 4.1 / 5

RupeeRedee- Personal Loan App

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: â‚¹2,000

  • Maximum Amount: â‚¹1.49 Lakhs

  • Tenure Range: Up to 12 months

  • Interest Rate: Starting at 28% p.a.

  • Processing Fees: Up to 15%

  • Age Criteria: 18 to 65 years

  • Play Store Rating: 4.6 / 5

StashFin Personal Loan & Bonds 

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: â‚¹1,000

  • Maximum Amount: â‚¹5 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: 4.4 / 5

PayMe: Personal Loan App

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: â‚¹500

  • Maximum Amount: â‚¹5 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: 3.4 / 5

LoanTap- Personal Loan App

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: â‚¹50,000

  • Maximum Amount: â‚¹10 Lakh

  • Tenure Range: Up to 60 months

  • Interest Rate: Starting at 12% p.a.

  • Processing Fees: Up to 2%

  • Age Criteria: 23 to 58 years

  • Play Store Rating: 3.0 / 5

PaySense: Personal Loan App

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: â‚¹5,000

  • Maximum Amount: â‚¹5 Lakhs

  • Tenure Range: Up to 60 months

  • Interest Rate: Starting at 14% p.a.

  • Processing Fees: Up to 2.5%

  • Age Criteria: 21 to 60 years

  • Play Store Rating: 2.9 / 5

Dhani: UPI, Cards & Bills

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.

  • Minimum Amount: â‚¹1,000

  • Maximum Amount: â‚¹15 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 mConnect

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: â‚¹50,000

  • Maximum Amount: â‚¹25 Lakhs

  • Tenure Range: Up to 60 months

  • Interest Rate: Starting at 12% p.a.

  • Processing Fees: Up to 6%

  • Age Criteria: 21 to 60 years

  • Play Store Rating: 2.4 / 5

FlexSalary Instant Loan App

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: â‚¹8,000

  • Maximum Amount: â‚¹3 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: 4.4 / 5

Upwards: Quick Personal Loan

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: â‚¹25,000

  • Maximum Amount: â‚¹5 Lakhs

  • Tenure Range: Up to 36 months

  • Interest Rate: Starting at 18% p.a.

  • Processing Fees: Up to 4%

  • Age Criteria: 21 to 55 years

  • Play Store Rating: 2.9 / 5

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.

Frequently Asked Questions

Best instant personal loan apps in India

Is taking a loan from personal loan apps safe?

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 starting from ₹500 and the maximum loan amount goes up to ₹55 Lakhs, based on eligibility.

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Hi! I’m Aakash Jain
Financial Content Specialist

Aakash is a seasoned marketing and finance professional with over five years of experience. With a unique blend of financial expertise and creative flair, he excels in crafting succinct, user-friendly content that empowers readers to make well-informed choices. Specialising in articles, blogs, and website pages for loan products, Aakash is dedicated to simplifying complex concepts and delivering valuable insights that resonate with diverse audiences.

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