7 Days Loan Apps List in India: Top 12 Loan Apps for Instant Cash in 2025

Are you in need of urgent cash and want instant approval? Don't worry; with the increase of a 7 day loan app list in India, you can get funds instantly. Digital lending platforms are changing the loan market, and several apps offer short-term loans from ₹5000 to ₹5,00,000 with minimal documentation, a quick approval process, flexible repayment options, and quick disbursal. Below, we will learn about India's top 12 loan apps that provide instant cash to manage financial emergencies, especially for salaried and self-employed people.

12 Latest 7 Days Loan Apps List in India (Updated 2025)

In today’s world, financial emergencies can occur anytime, requiring quick access to funds. With India's below 7-day loan app list, people can get short-term financial help with quick approval and minimal documentation. These top 12 best 7-day loan apps will be of great help for medical emergencies, travelling or credit card payments. Let’s check the list below and understand every app in complete detail.

App Name	Rating
NoBroker Instacash	4.8/5
Bajaj Finserv	4.8/5
MoneyView	4.5/5
CASHe	4.4/5
PayMe India	4.3/5
EarlySalary	4.4/5
KreditBee	4.2/5
LazyPay	4.3/5
StashFin	4.1/5
SmartCoin	4.2/5
LoanTap	4.3/5
Dhani	3.3/5

12 Best 7 Days Loan Apps List in India 2025 - Detailed Information

These lending apps have been selected based on their reliability, user experience, and customer feedback. Each app offers unique features catering to different financial needs and borrower profiles.

1. NoBroker Instacash App

Using the NoBroker Insta Cash, you can apply for instant loans simply and conveniently. To get your money in a matter of minutes, you can download the NB Instacash app and fill in a few details to disburse your loan quickly. NoBroker offers instant approval and lightning-fast disbursal of Instant loans at competitive interest rates. 

Parameter	Details
Loan Amount Range	Upto Rs 10 Lakh
Interest Rate	12.99%
Processing Fee	Between 2% to 8% of the approved loan amount.
Eligibility	Minimum 23 year old
Disbursal Time	Instant
Rating	3.3

Pros: 

• Creditline up to 10 Lakh
• Lightning-fast loan disbursement
• Interest Rate: 12.99% onwards 

Cons:

• Maximum Limit: ₹10 lakhs 

2. Bajaj Finserv App

With Bajaj Finserv, getting instant loans is easy and hassle-free. You can check the Bajaj Finserv app and website and apply for a short-term personal loan. It offers a loan amount of up to 80 lakhs with quick approval and minimal documentation. It is one of the best choices for people because of its features like competitive interest rate and 100% digital application process. It offers a stress-free borrowing experience, whether for medical emergencies, education or shopping. 

Parameters	Details
Range of Loan amount	Up to 80 lakhs
Rating	4.8/5
Interest rate	Up to 31% p.a
Eligibility	Age 21-80
Processing Fee	Up to 3.93% of the loan amount

Pros: 

• Quick approval, 100% online process
• Easy repayment options
• Easy EMI options

Cons:

• Strict eligibility criteria
• High interest rate

3. MoneyView App

MoneyView is a comprehensive digital lending platform combining advanced technology with user-friendly features. Backed by prominent investors, it offers instant personal loans with competitive interest rates and flexible tenures. The app's AI-powered credit assessment system enables quick approvals while maintaining robust security measures for user data protection.

Parameter	Details
Loan Amount Range	₹5,000 - ₹5,00,000
Interest Rate	1.33% - 2.5% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 21-55, Monthly income ₹15,000+
Disbursal Time	Within 24 hours
Rating	4.5/5

Pros:

• Quick approval process
• Minimal documentation
• Flexible repayment options

Cons:

• Higher interest rates for first-time borrowers
• Requires good credit score

4. CASHe App

CASHe revolutionizes personal lending through its proprietary AI-based credit scoring system, ' Social Loan Quotient'. Targeting young professionals, it analyses social and professional data to provide instant loans. The platform's unique selling point is its ability to serve customers with limited credit history while maintaining quick disbursement timelines.

Parameter	Details
Loan Amount Range	₹10,000 - ₹3,00,000
Interest Rate	2.0% - 2.75% per month
Processing Fee	2.5% of loan amount
Eligibility	Age 23-58, Monthly income ₹15,000+
Disbursal Time	15 minutes - 24 hours
Rating	4.4/5

Pros:

• AI-based credit assessment
• No collateral required
• Quick disbursal

Cons:

• Limited to salaried individuals
• Higher interest rates

5. PayMe India App

PayMe India focuses on bridging short-term financial gaps through instant salary advances and personal loans. The app utilises innovative technology to verify employment details and salary patterns, offering customised loan solutions. Its standout feature is the ability to provide emergency funds to salaried employees with minimal documentation.

Parameter	Details
Loan Amount Range	₹3,000 - ₹2,00,000
Interest Rate	1.5% - 2.5% per month
Processing Fee	2-4% of loan amount
Eligibility	Age 21-55, Monthly income ₹12,000+
Disbursal Time	Within 2 hours
Rating	4.3/5

Pros:

• Instant salary advances
• Low minimum income requirement
• Quick verification process

Cons:

• Limited to salaried employees
• Small initial loan amounts for new users

6. EarlySalary App

EarlySalary pioneered the concept of salary advances in India's digital lending space. The app uses machine learning algorithms to assess creditworthiness beyond traditional CIBIL scores. It caters primarily to young professionals, offering instant loans with the unique feature of calculating interest on daily reducing balances.

Parameter	Details
Loan Amount Range	₹8,000 - ₹5,00,000
Interest Rate	1.2% - 2.5% per month
Processing Fee	2.5% of loan amount
Eligibility	Age 21-55, Monthly income ₹18,000+
Disbursal Time	Within 30 minutes
Rating	4.4/5

Pros:

• Social scoring model
• No prepayment charges
• Interest charged on daily reducing balance

Cons:

• Higher-income eligibility requirement
• Limited availability in tier-3 cities

7. KreditBee App

KreditBee distinguishes itself by offering micro-loans to both salaried and self-employed individuals. The platform's proprietary risk assessment model evaluates multiple data points beyond traditional credit scores. Its instant verification process and flexible loan amounts make it accessible to more borrowers.

Parameter	Details
Loan Amount Range	₹1,000 - ₹4,00,000
Interest Rate	1.08% - 2.49% per month
Processing Fee	2.5-4% of loan amount
Eligibility	Age 21-55, Monthly income ₹15,000+
Disbursal Time	Within 24 hours
Rating	4.2/5

Pros:

• Available for self-employed
• Low minimum loan amount
• Flexible tenure options

Cons:

• Variable processing fees
• Strict credit requirements for higher amounts

8. LazyPay App

LazyPay combines buy-now-pay-later services with personal loans, creating a versatile financial platform. The app's unique credit assessment model considers spending patterns and repayment behaviour. It offers instant credit decisions and seamless integration with various e-commerce platforms, making it ideal for online shoppers.

Parameter	Details
Loan Amount Range	₹1,000 - ₹1,00,000
Interest Rate	1.5% - 2.8% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 18-55, Monthly income ₹10,000+
Disbursal Time	Instant to 24 hours
Rating	4.3/5

Pros:

• Low minimum age requirement
• BNPL option available
• No collateral needed

Cons:

• Lower maximum loan amount
• Higher interest rates for new users

9. StashFin App

StashFin offers a digital credit line and personal loans, providing users with flexible borrowing options. The platform's unique card-based credit delivery system allows multiple withdrawals within approved limits. Its reward program and customizable repayment options make it attractive for regular borrowers.

Parameter	Details
Loan Amount Range	₹5,000 - ₹3,00,000
Interest Rate	2.0% - 3.0% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 23-55, Monthly income ₹15,000+
Disbursal Time	Within 48 hours
Rating	4.1/5

Pros:

• Credit line facility
• Rewards Program
• Flexible repayment options

Cons:

• Higher interest rates
• Longer processing time

10. SmartCoin App

SmartCoin leverages artificial intelligence to democratize access to credit. The app analyses over 10,000 data points to determine creditworthiness, making it accessible to users with limited credit history. It focuses on financial inclusion in multiple regional languages while maintaining quick approval times.

Parameter	Details
Loan Amount Range	₹1,000 - ₹1,50,000
Interest Rate	1.5% - 2.75% per month
Processing Fee	2-4% of loan amount
Eligibility	Age 21-50, Monthly income ₹12,000+
Disbursal Time	Within 24 hours
Rating	4.2/5

Pros:

• AI-based approval system
• Low minimum loan amount
• Available in multiple languages

Cons:

• The lower maximum loan limit
• Limited to Android users

11. LoanTap App

LoanTap differentiates itself through customized loan products and flexible repayment options. The platform combines traditional banking security with modern fintech convenience. Its unique EMI structure and overdraft facility give borrowers greater control over their repayment schedule, catering to diverse financial needs.

Parameter	Details
Loan Amount Range	₹10,000 - ₹5,00,000
Interest Rate	1.5% - 2.5% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 23-58, Monthly income ₹20,000+
Disbursal Time	Within 24 hours
Rating	4.3/5

Pros:

• Customized repayment options
• Higher loan amounts
• Low interest rates for good credit scores

Cons:

• Higher-income requirement
• Stringent eligibility criteria 

12. Dhani App

The Dhani app provides people with instant personal, business or home loans to fulfil their financial needs. You can get a loan of up to 15 lakh, flexible repayment options, minimal documentation and fast disbursal. It is a good choice for salaried and self-employed people for travel, bill payments and medical emergencies. It also has a Zero interest EMI card and Dhani OneFreedom Card, allowing users to pay for a later option. 

Parameters	Details
Range of Loan amount	Up to 15 lakhs
Rating	3.3/5
Interest rate	13.99% p.a
Eligibility	Age 21-65
Processing Fee	3% of the loan amount

Pros:

• Available for health benefits
• 24/7 customer support
• No-EMI option is available

Cons:

• High interest rate
• Lack of transparency as terms and conditions are not clear

Benefits of 7 Days Loan Apps

The emergence of digital lending platforms has transformed traditional borrowing methods, offering unprecedented convenience and accessibility. These apps leverage cutting-edge technology to provide instant credit solutions, eliminating lengthy paperwork and branch visits. With 24/7 availability and quick disbursals, they effectively address urgent financial needs while maintaining transparency.

• Instant Access to Funds: These apps provide immediate access to emergency funds, with most loans being disbursed within 24 hours of approval, helping users handle urgent financial needs effectively.
• Minimal Documentation: Digital loan apps require minimal paperwork, usually just KYC documents and bank statements, making the application process quick and hassle-free for borrowers.
• Flexible Repayment Options: Users can choose from various repayment tenures and methods to manage their loan repayments according to their financial situation.
• 24/7 Availability: Unlike traditional banks, these apps operate round the clock, enabling users to apply for loans anytime, making them ideal for emergencies.
• No Collateral required: The 7-day loan app provides unsecured loans, which means people do not need to keep gold or property for security. It is perfect for salaried employees, self-employed or even students who need instant loans for quick financial emergencies. The loan approval is faster to get a loan.

Factors to Consider Before Choosing a Loan App

Making an informed decision when selecting a loan app requires careful evaluation of multiple factors. Understanding these crucial elements, from security measures to interest rates, helps protect your financial interests. This comprehensive assessment ensures you choose a reliable platform that aligns with your borrowing needs while complying with regulatory guidelines.

• Interest Rates and Charges: the annual percentage rates (APR) and associated fees across different apps to find the most cost-effective option for your needs.
• Credibility and Reviews: Research the app's reputation, user reviews, and RBI registration status to ensure you deal with a legitimate lender.
• Privacy and Security: Verify the app's data protection measures and privacy policies to protect your personal and financial information.
• Terms and Conditions: Carefully read the loan agreement, including repayment terms, late payment charges, and prepayment penalties.

How to Apply for a 7-Day Loan on These Apps

Navigating the loan application process requires understanding each step thoroughly to ensure quick approval. Modern loan apps have streamlined their application procedures, making them user-friendly and efficient. Following these systematic steps helps expedite your loan request while ensuring all necessary documentation and verification requirements are met properly.

• Download and Registration: Install the app from official stores and complete the registration process by providing basic personal information.
• KYC Verification: Use the app to submit the required KYC documents, including your PAN card, Aadhaar card, and proof of income.
• Bank Account Linking: Connect your bank account for loan disbursal and repayment by providing the necessary banking details.
• Loan Application: Choose your desired loan amount and tenure, then apply for processing.

List of Best Personal Loan App Posts:

Best Loan Apps in India
Instant Loan Apps in India	Best Instant Loan App Without Salary Slip
7 Days Loan Apps List	Best Loan Apps in India
Quick Loan Apps List	15 Days Loan Apps
30 Days Loan Apps List in India	Low CIBIL Score Loan Apps List
RBI Approved Loan Apps in India	Emergency Loan App List
Aadhaar Card Loan App List	NBFC Loan App List
Small Loan App Without Income Proof	Loan App Without PAN Card
Best Personal Loan App List	Small Loan App List
Fastest Instant Loan Apps	600 CIBIL Score Loan App
500 CIBIL Score Loan App	650 CIBIL Score Loan App

Seven-day loan apps have become integral to India's digital lending ecosystem, offering quick financial solutions for various needs. While these apps provide convenience and speed, choosing reputable lenders and understanding all terms thoroughly before borrowing is crucial. Consider factors like interest rates, processing fees, and repayment terms to make an informed decision. Remember to borrow responsibly and ensure timely repayments to maintain a good credit score. Continue accessing these convenient financial services.

Frequently Asked Questions