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Published : March 30, 2025, 12:43 PM
Updated : March 30, 2025, 12:43 PM
Author :
Suju
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Are you in urgent need of cash? Don’t worry. We have compiled a list of the best 2 minute loan apps which are the perfect solutions for immediate financial needs. These mobile applications provide quick loans with minimal documentation and fast approvals. Apply anywhere, anytime and receive funds directly in your bank account within minutes. These apps offer interest rates ranging from 1.3%-30% p.a. which can help you make the most informed decisions.
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List of 10 Best 2 Minutes Loan Apps in India 2025
Looking for quick cash. Here are India's top-rated instant loan apps that offer loans within 2 minutes of approval. These apps have simplified borrowing with minimal documentation and quick disbursal times.
| App | Interest Rates | Rating |
| NoBroker InstaCash | Between 9% p.a. and 45% p.a. (generally) | 4.8⭐ |
| MoneyView | 1.33% - 2.5% per month | 4.8⭐ |
| SmartCoin | 18% - 36% per annum | 4.6⭐ |
| LazyPay | 15% - 30% per annum | 4.4⭐ |
| NIRA | 1.5% - 2.5% per month | 4.2⭐ |
| IndiaLends | 10.99% - 35% per annum | 4.1⭐ |
| MoneyTap | 13% - 24% per annum | 4.0⭐ |
| Dhani | 12% - 36% per annum | 3.7⭐ |
| KreditBee | 18% - 30% per annum | 3.4⭐ |
| CASHe | 2.5% - 3% per month | 2.8⭐ |
10 Top-Rated 2 Minutes Loan Apps - Detailed Information
Looking for instant financial help. These top 10 loan apps offer quick cash disbursals within minutes. Each app has unique features, eligibility criteria, and loan amounts tailored to various financial needs. Let's explore their offerings, interest rates, and benefits.
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1. NoBroker InstaCash - 4.8/5⭐
NoBroker InstaCash is an emerging instant loan app that offers quick cash loans with minimal documentation. Despite its lower rating, it stands out with its simple application process and fast disbursal time, making it accessible for users who need emergency funds.
Quick Info Table of NoBroker InstaCash
| Feature | Details |
| Loan Amount Range | ₹1,000 - ₹50,000 |
| Interest Rate | Between 9% p.a. and 45% p.a. (generally) |
| Processing Fee | Typically, between 0.5% and 6% of the loan amount, depending on the lender. |
| Eligibility | Based on the individual’s income, repaying capacity, and credit score. |
| Disbursal Time | Within 2 minutes |
| Rating | 4.8 |
| Pros | Instant approval, minimal documentation, no collateral required |
| Cons | Higher interest rates, lower loan limits for first-time users |
2. MoneyView - 4.8/5⭐
MoneyView offers personal loans with competitive interest rates and flexible repayment options. With its user-friendly interface and quick approval process, it has become one of the most trusted instant loan apps in India.
Quick Info Table of MoneyView
| Feature | Details |
| Loan Amount Range | ₹5,000 - ₹5,00,000 |
| Interest Rate | 1.33% - 2.5% per month |
| Processing Fee | Up to 3% of loan amount |
| Eligibility | Age 21-60 years, Monthly income ₹15,000+ |
| Disbursal Time | Within 2 minutes after approval |
| Rating | 4.8 |
| Pros | High loan amounts, competitive interest rates, transparent terms |
| Cons | Strict eligibility criteria for new users |
3. SmartCoin - 4.6/5⭐
SmartCoin is an AI-powered lending platform that offers instant personal loans based on your smartphone usage patterns. It provides micro-loans to users with limited credit history, making it ideal for young professionals.
Quick Info Table of SmartCoin
| Feature | Details |
| Loan Amount Range | ₹1,000 - ₹1,00,000 |
| Interest Rate | 18% - 36% per annum |
| Processing Fee | 2-3% of loan amount |
| Eligibility | Age 21-50 years, Smartphone user with stable income |
| Disbursal Time | 2 minutes post approval |
| Rating | 4.6 |
| Pros | AI-based credit assessment, increases loan limits with good repayment history |
| Cons | Initial loan amounts may be small |
4. LazyPay - 4.4/5⭐
LazyPay offers small-ticket loans with a buy-now-pay-later model. It's integrated with various merchant platforms, allowing users to make purchases and pay later in easy installments.
Quick Info Table of LazyPay
| Feature | Details |
| Loan Amount Range | ₹500 - ₹1,00,000 |
| Interest Rate | 15% - 30% per annum |
| Processing Fee | Nil for certain offers, otherwise 1-2% |
| Eligibility | Age 23-55 years, Credit score 700+ |
| Disbursal Time | Instant for approved users |
| Rating | 4.4 |
| Pros | Zero cost EMI options, integrated with multiple merchants |
| Cons | Limited to partner merchant platforms initially |
5. NIRA - 4.2/5⭐
NIRA offers salary advances and personal loans with transparent terms and competitive interest rates. It's designed for salaried professionals looking for short-term financial assistance.
Quick Info Table of NIRA
| Feature | Details |
| Loan Amount Range | ₹5,000 - ₹1,00,000 |
| Interest Rate | 1.5% - 2.5% per month |
| Processing Fee | Up to 2.5% of loan amount |
| Eligibility | Salaried individuals with monthly income ₹12,000+ |
| Disbursal Time | Within 2 minutes after approval |
| Rating | 4.2 |
| Pros | Salary advance feature, direct bank account verification |
| Cons | Only available for salaried individuals |
6. IndiaLends - 4.1/5⭐
IndiaLends connects borrowers with multiple lenders through a single application. It offers personal loans, credit cards, and other financial products with competitive terms.
Quick Info Table of IndiaLends
| Feature | Details |
| Loan Amount Range | ₹10,000 - ₹5,00,000 |
| Interest Rate | 10.99% - 35% per annum |
| Processing Fee | 1-3% of loan amount |
| Eligibility | Age 21-65 years, Monthly income ₹15,000+ |
| Disbursal Time | 2 minutes to few hours depending on verification |
| Rating | 4.1 |
| Pros | Multiple lender options, competitive rates, higher loan amounts |
| Cons | May take longer for first-time users |
7. MoneyTap - 4.0/5⭐
MoneyTap offers a personal line of credit that users can access anytime. Once approved, users can borrow any amount within their credit limit and pay interest only on the amount used.
Quick Info Table of MoneyTap
| Feature | Details |
| Loan Amount Range | Up to ₹5,00,000 (credit line) |
| Interest Rate | 13% - 24% per annum |
| Processing Fee | One-time setup fee of ₹500-₹1,000 |
| Eligibility | Age 23-55 years, Credit score 750+, Monthly income ₹20,000+ |
| Disbursal Time | Instant for approved credit line users |
| Rating | 4.0 |
| Pros | Flexible credit line, interest only on amount used, part payments allowed |
| Cons | Higher eligibility requirements |
8. Dhani - 3.7/5⭐
Dhani offers instant personal loans along with various other financial and healthcare services. Its quick loan option provides funds in minutes with minimal documentation.
Quick Info Table of Dhani
| Feature | Details |
| Loan Amount Range | ₹1,000 - ₹15,00,000 |
| Interest Rate | 12% - 36% per annum |
| Processing Fee | Up to 3% of loan amount |
| Eligibility | Age 18-65 years, Monthly income ₹10,000+ |
| Disbursal Time | 2 minutes post approval |
| Rating | 3.7 |
| Pros | Wide range of loan amounts, integrated healthcare benefits |
| Cons | Variable interest rates, additional service charges |
9. KreditBee - 3.4/5⭐
KreditBee specializes in providing loans to young professionals and self-employed individuals. It offers both short-term personal loans and longer-term EMI options.
Quick Info Table of KreditBee
| Feature | Details |
| Loan Amount Range | ₹1,000 - ₹2,00,000 |
| Interest Rate | 18% - 30% per annum |
| Processing Fee | 2-5% of loan amount |
| Eligibility | Age 21-55 years, Any source of income |
| Disbursal Time | Within 2 minutes after approval |
| Rating | 3.4 |
| Pros | Available for self-employed individuals, flexible EMI options |
| Cons | Higher interest rates for first-time borrowers |
10. CASHe - 2.8/5⭐
CASHe uses proprietary AI-based algorithms to assess borrower eligibility. It offers short-term personal loans with customized repayment options.
Quick Info Table of CASHe
| Feature | Details |
| Loan Amount Range | ₹5,000 - ₹3,00,000 |
| Interest Rate | 2.5% - 3% per month |
| Processing Fee | Up to 3% of loan amount |
| Eligibility | Age 23-58 years, Monthly income ₹15,000+ |
| Disbursal Time | 2 minutes to few hours |
| Rating | 2.8 |
| Pros | AI-based credit assessment, customized repayment options |
| Cons | Higher interest rates, additional charges for late payments |
What are the eligibility criteria for a 2-minute loan application?
Now that we have told you which apps give loans instantly, you must also know the standard eligibility criteria no matter which app you use. These criteria follow the same protocol suggested by the Indian government to maintain transparent records and avoid scams.
- Must be an Indian resident with valid ID proof
- Age between 21-60 years
- Stable income source (salaried or self-employed)
- Decent credit history
What documents are required for a 2-minute loan?
Most 2-minute loan apps require minimal documentation for quick approval. Typically, you'll need to submit your PAN card, Aadhaar card, and income proof. Some apps also require bank statements to verify your income and spending patterns before sanctioning the loan.
- PAN Card
- Aadhaar Card
- Latest 3 months bank statements
- Salary slips (for salaried) or ITR (for self-employed)
How to Apply for 2 Minutes Loan?
Applying for an instant loan through NoBroker InstaCash or similar apps is a straightforward process that takes just a few minutes. Here's how to get started:
- Step 1: Download the NoBroker app from the Google Play or Apple App Store.
- Step 2: Register using your mobile number and complete KYC verification.
- Step 3: Apply for InstaCash by entering the loan amount required.
- Step 4: Connect your bank account for verification.
- Step 5: Get instant approval and receive funds directly in your bank account.
What are Benefits of 2 Minutes Loan Apps in 2025
Instant loan apps offer numerous advantages that make them increasingly popular among borrowers looking for quick financial solutions:
- Instant approval without lengthy paperwork
- 24/7 accessibility from anywhere
- Minimal documentation requirements
- No collateral or security deposit needed
- Flexible repayment options with customized EMIs
- Improved loan limits with good repayment history
Get Instant Loan With NoBroker InstaCash
NoBroker InstaCash offers one of the quickest loan disbursals in the market. With its user-friendly interface and minimal documentation requirements, you can get loans ranging from ₹1,000 to ₹50,000 within minutes. The eligibility criteria are relaxed compared to traditional banks, making it accessible to more borrowers. Simply download the NoBroker app, complete the KYC process, and apply for InstaCash to get funds instantly transferred to your bank account.
Frequently Asked Questions
Ans: Most instant loan apps disburse funds within 2-5 minutes after final approval, provided all your documents are in order and you meet the eligibility criteria.
Ans: Legitimate loan apps registered with RBI are safe to use. Always check for proper licensing, read user reviews, and verify the privacy policy before applying.
Ans: The loan amount varies by app, ranging from ₹1,000 to ₹5,00,000, depending on your eligibility, income, and credit history.
Ans: Some apps like SmartCoin and KreditBee offer loans to users with limited credit history, but the loan amount may be smaller with higher interest rates initially.
Ans: Maintain a good credit score, ensure all documents are valid and up-to-date, have a stable income source, and avoid multiple loan applications simultaneously.
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