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Published : May 9, 2025, 12:17 PM
Updated : May 9, 2025, 12:17 PM
Author :
Simon
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How we manage money emergencies is truly getting a serious, much-needed upgrade! Forget all those frustrating, long waits and confusing piles of paperwork that used to be common for a loan. In 2025, personal loan apps in India have changed how one gets loans. These impressive digital tools put quick financial solutions right in your hands, offering valuable instant personal loan access with more straightforward steps and faster cash when life unexpectedly throws a curveball.
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List of 10 Top-Rated Personal Loan Apps in India 2025
Many online personal loan apps make getting a quick cash loan easier than ever. These platforms simplify the fast loan application process, allowing users to apply and receive funds digitally. Here's a quick look at some leading players expected to be popular in 2025.
Please note that interest rates and loan amounts are indicative and subject to change based on the lender's policy and the applicant's profile.
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| App Name | Interest Rates (p.a.) (Indicative) | Loan Amount (up to) (Indicative) | Rating (out of 5 stars) |
| NoBroker InstaCash | 12.99% - 29.99% | ₹10,00,000 | 5 |
| Moneyview | 16% - 39% | ₹10,00,000 | 4.8 |
| Bajaj Finserv | 11% - 35% | ₹40,00,000 | 4.9 |
| KreditBee | 10.24% - 29.95% | ₹5,00,000 | 3.4 |
| PaySense | 16.8% - 27.6% | ₹5,00,000 | 2.9 |
| Navi | 9.9% - 45% | ₹20,00,000 | 4.3 |
| Fibe (EarlySalary) | From 12% | ₹5,00,000 | 4.5 |
| CASHe | From 27% | ₹4,00,000 | 2.8 |
| MoneyTap | From 13% - 24% | ₹5,00,000 | 4.1 |
| mPokket | From 0% (variable fee structure) | ₹50,000 | 4.5 |
10 Best Personal Loan Apps in India 2025
Choosing the right personal loan app can be overwhelming, with various options available. It's important to compare interest rates, processing speeds, eligibility requirements, and user-friendliness of the app. Here’s a closer look at 10 highly rated apps for 2025, focusing on what makes them a smart choice. These apps prioritise offering a secure and dependable borrowing experience, ensuring your data remains safe.
1. NoBroker InstaCash
Part of the trusted NoBroker platform, InstaCash provides quick online personal loans up to ₹10 Lakh. It focuses on a fast, fully digital process with minimal fuss, making it ideal for handling urgent financial needs like emergency expenses swiftly and efficiently.
Quick info table of NoBroker InstaCash:
| Feature | Details |
| Loan Amount Range | ₹5,000 - ₹10,00,000 |
| Interest Rate | 12.99% - 29.99% p.a. |
| Processing Fee | 2% - 4% of the loan amount (+GST) |
| Eligibility | Salaried / Self-Employed, 21-65 yrs, CIBIL > 700 / Experian > 750 |
| Disbursal Time | Potentially within minutes/seconds post-approval |
| Rating | 5 / 5 |
| Pros | Fully digital, speedy disbursal claimed, flexible EMIs, trusted brand association, transparent fees, minimal documentation |
| Cons | Requires a good credit score, higher interest rates possible, app primarily known for real estate |
2. Moneyview
Moneyview is known for its user-friendly app and making loans accessible, even if your credit score isn't perfect (650+ accepted). Offering up to ₹10 Lakh with quick checks and disbursal usually within 24 hours, it's a popular choice for various needs.
Quick info table of Moneyview:
| Feature | Details |
| Loan Amount Range | ₹5,000 - ₹10,00,000 |
| Interest Rate | Starts 16% p.a. (up to 39% p.a.) |
| Processing Fee | Starts from 2% (+GST) |
| Eligibility | Salaried / Self-Employed, 21-57 yrs, Min. Income ₹13.5k+, CIBIL/Experian 650+ |
| Disbursal Time | Typically, within 24 hours post-approval |
| Rating | 4.8 / 5 |
| Pros | Fast processing, Wider eligibility (lower CIBIL accepted), Flexible tenures, Fully digital, Highly rated |
| Cons | Higher rates for lower scores, Income proof needed |
3. Bajaj Finserv
A big name in finance, Bajaj Finserv offers substantial personal loans up to ₹40 Lakh via its app. Known for its Flexi loan options, which allow flexible withdrawals and repayments, it's a solid choice for significant expenses backed by a reputable brand.
Quick info table of Bajaj Finserv:
| Feature | Details |
| Loan Amount Range | Up to ₹40,00,000 |
| Interest Rate | 11% - 35% p.a. |
| Processing Fee | Up to 3.93% (+GST) |
| Eligibility | Salaried (Pvt/Public/MNC), 21-80 yrs*, Min. Income ₹25k+ (varies), CIBIL 685+ (*at maturity) |
| Disbursal Time | Within 24-48 hours post-approval |
| Rating | 4.9 / 5 |
| Pros | High loan amounts, Flexi loan options, Long tenures (up to 96m), Reputable brand |
| Cons | Stricter eligibility, Higher processing fees possible, primarily for salaried |
4. KreditBee
KreditBee is very popular for quick, small loans (up to ₹5 Lakh), perfect for young professionals or those new to credit. It's a simple app that offers speedy disbursal, often within minutes, and is ideal for easily tackling immediate, short-term cash requirements.
Quick info table of KreditBee:
| Feature | Details |
| Loan Amount Range | ₹1,000 - ₹5,00,000 |
| Interest Rate | 10.24% - 29.95% p.a. |
| Processing Fee | Varies (flat fee or % +GST) |
| Eligibility | Indian Citizen, 21+ yrs, Stable monthly income |
| Disbursal Time | Often within 10-15 minutes post-approval |
| Rating | 3.4 / 5 |
| Pros | Speedy disbursal, Good for young professionals/new-to-credit, Simple process |
| Cons | Lower max loan amount, Rates can be high for small/short loans |
5. PaySense
PaySense, often working with partners, aims to provide instant personal loans and credit lines up to ₹5 Lakh. It features an easy digital process catering to salaried and self-employed individuals, focusing on accessible eligibility and convenience.
Quick info table of PaySense (Indicative):
| Feature | Details |
| Loan Amount Range | ₹5,000 - ₹5,00,000 |
| Interest Rate | 16.8% - 27.6% p.a. (approx.) |
| Processing Fee | Up to 3% (+GST) |
| Eligibility | Salaried / Self-Employed, 21-60 yrs, Min. Income ₹12k-15k+ |
| Disbursal Time | Few hours to 2 business days post-approval |
| Rating | 2.9/5 |
| Pros | Accessible eligibility, Serves self-employed, Easy process, Credit line often available, Minimal documentation |
| Cons | Rates might be higher, Need to verify current operational status/partnerships |
6. Navi
Navi stands out with its completely paperless loan process up to ₹20 Lakh. Its major appeal is the possibility of instant approval and money in your account within minutes, using just PAN and Aadhaar for a smooth, digital borrowing experience.
Quick info table of Navi:
| Feature | Details |
| Loan Amount Range | Up to ₹20,00,000 |
| Interest Rate | 9.9% - 45% p.a. |
| Processing Fee | Up to ₹7,500 or % (+GST) |
| Eligibility | Indian Citizen, 18-65 yrs (varies), Eligibility assessed digitally |
| Disbursal Time | Often within minutes post-approval |
| Rating | 4.3 / 5 |
| Pros | Fully paperless, Potentially instant disbursal, High max loan amount, User-friendly app |
| Cons | Very wide interest range (can be high), Eligibility is heavily data-driven |
7. Fibe (Formerly EarlySalary)
Fibe, previously EarlySalary, focuses on salaried professionals needing quick funds up to ₹5 Lakh. Offering salary advances, loans, and credit lines via a fast app, it promises speedy processing and disbursal, often within minutes, perfect for urgent needs.
Quick info table of Fibe:
| Feature | Details |
| Loan Amount Range | Up to ₹5,00,000 |
| Interest Rate | Starts from 12% p.a. |
| Processing Fee | Varies based on loan amount/tenure (+GST) |
| Eligibility | Salaried Indian Citizen, 21-55 yrs, Min. Salary ₹15k-18k+ (varies by city) |
| Disbursal Time | Often within 10 minutes to few hours post-approval |
| Rating | 4.5+ / 5 |
| Pros | Very fast processing & disbursal, Caters specifically to salaried, Multiple products |
| Cons | Primarily for salaried individuals, the Minimum salary requirement applies |
8. CASHe
CASHe offers short-term digital loans up to ₹4 Lakh, primarily for salaried millennials. It uses its credit scoring method alongside traditional checks, potentially helping those new to credit. Expect a quick application process and reasonably fast disbursal.
Quick info table of CASHe:
| Feature | Details |
| Loan Amount Range | ₹1,000 - ₹4,00,000 |
| Interest Rate | Starts from 27% p.a. (2.25% p.m.) |
| Processing Fee | Varies (% or flat fee +GST) |
| Eligibility | Salaried Indian Resident, 21+ yrs, Min. Salary ₹12k-15k+ |
| Disbursal Time | Usually, same day or next business day post-approval |
| Rating | 2.8 / 5 |
| Pros | Quick application, Uses alternative credit scoring (SLQ), Accessible amounts for smaller needs |
| Cons | Primarily for salaried, Rates can be relatively high, Lower max loan amount than some |
9. MoneyTap
MoneyTap offers a flexible credit line up to ₹5 Lakh instead of a standard loan. You withdraw funds when needed and pay interest (from 13% p.a.) only on that amount. It suits salaried/self-employed individuals looking for accessible, reusable credit.
Quick info table of MoneyTap:
| Feature | Details |
| Loan Amount Range | ₹3,000 - ₹5,00,000 |
| Interest Rate | 13% - 24% |
| Processing Fee | 1-2% of loan amount |
| Eligibility | Age 23-55, minimum income ₹20,000 |
| Disbursal Time | Within 24 hours |
| Rating | 4.1/5 |
| Pros | Credit line facility, flexible withdrawal, low interest rates |
| Cons | Requires good credit history, longer approval for new users |
10. mPokket
mPokket targets students and young salaried individuals needing small, quick cash loans up to ₹50,000. It functions like an instant pocket money advance, designed for easy access and speed for very short-term financial needs via a simple app.
Quick info table of mPokket:
| Feature | Details |
| Loan Amount Range | ₹500 - ₹50,000 |
| Interest Rate | Starts from 24% p.a. (Variable fee structure) |
| Processing Fee | Varies per loan (+GST) |
| Eligibility | College students & Salaried Professionals (18+) |
| Disbursal Time | Minutes post-approval |
| Rating | 4.5 / 5 |
| Pros | Accessible for students, Very fast disbursal, Simple app |
| Cons | Low max loan amount, Can have high effective cost, Narrow audience |
How to Apply for a Personal Loan? (Using NoBroker InstaCash as an Example)
Applying for an Insta personal loan through apps like NoBroker InstaCash is usually straightforward. You just need to download the app, register, and follow the steps for a fast loan application, typically requiring minimal digital documentation. Here’s a general guide:
- Step 1: Install the NoBroker or specific NoBroker InstaCash app from the Google Play Store / Apple App Store.
- Step 2: Open the app and register using your mobile number (verify with OTP).
- Step 3: Find the app's 'InstaCash' or 'Personal Loan' section.
- Step 4: Fill out the online application form with your personal, employment, and income details.
- Step 5: Complete your KYC digitally using Aadhaar and PAN details. Upload required documents (like salary proof) if prompted.
- Step 6: Apply and await instant approval notification with your loan offer (amount, rate, tenure).
- Step 7: Review and accept the loan agreement and set up auto-debit (eNACH) for EMI payments.
- Step 8: Funds are quickly disbursed to your linked bank account.
Eligibility Criteria for Personal Loan
While specifics vary, most online personal loan apps consider similar factors to determine whether you qualify for a personal loan. Adhering to these criteria enhances the likelihood of prompt approval.
- Age: Usually 21-60 years (some exceptions like mPokket for 18+).
- Citizenship: Must be an Indian resident.
- Icome: Need a regular source of income (salaried or self-employed). Minimum income requirements vary by app and city.
- Credit Score: A good CIBIL score (often 650-700+) is preferred for better terms, though some apps cater to lower scores.
Documents Required for Personal Loan
The goal of most personal loan apps is minimal documentation. You'll usually need digital copies of these for a quick loan online process:
- PAN Card: Essential for identity and financial checks.
- Aadhaar Card: Used for proof of identity and address (ensure mobile number is linked for OTP).
- Income Proof: Recent salary slips (e.g., last 3 months) or bank account statements (e.g., last 3-6 months).
- Photograph: A clear selfie taken via the app during the application.
Benefits of Personal Loan Apps
These applications present numerous advantages, positioning them as a preferred choice for expeditious cash loans:
- Speed: Get instant approval and quick disbursal.
- Convenience: Apply 24/7 from anywhere via the mobile app.
- Simplicity: Easy process with user-friendly interfaces.
- Less paperwork: Minimal documentation is needed, mostly digital.
- Accessibility: Options available for various needs and credit profiles.
Get Instant Personal Loans With NoBroker InstaCash
Facing an urgent need for funds? NoBroker InstaCash provides a fast and digital solution. You can apply for personal loans up to ₹10 lakh through a completely online application. Known for its potential for speedy disbursal (sometimes claimed in seconds) and flexible repayment terms, it's built for immediate financial requirements. Backed by the trusted NoBroker name, it offers a secure way to get an emergency loan. Simply download the app and check your eligibility today!
Frequently Asked Questions
Ans. Most personal loans offered through apps are unsecured, meaning they generally do not require you to pledge assets like property or gold as collateral, relying instead on your creditworthiness.
Ans. Reputable personal loan apps partnered with RBI-registered NBFCs or banks are generally secure. They use encryption and follow data privacy guidelines. Always download apps from official stores (Google Play Store/Apple App Store) and check their credentials and user ratings. Avoid apps asking for excessive permissions.
Ans. Yes, some apps like Moneyview specifically cater to individuals with lower CIBIL scores (e.g., 650+). Apps like KreditBee or mPokket might be accessible for those new to credit. However, expect potentially higher interest rates or lower loan amounts compared to applicants with excellent scores.
Ans. Missing an EMI incurs late fees and negatively affects your credit score, making future loans difficult. Repeated defaults can lead to higher penalties, legal action, and being marked as a defaulter.
Ans. Early repayment (prepayment/foreclosure) is usually allowed after a lock-in period or minimum EMIs. Check for prepayment charges, though they may not apply to floating-rate loans. Prepaying helps save interest costs.
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