15 Best Urgent Cash Loan App List in India 2026: Eligibility, EMI, Repayment, and Interest Rates for 2026

Financial emergencies can strike without warning, making urgent cash loan apps invaluable tools for modern consumers. These mobile applications have revolutionised lending by offering instant funds with minimal documentation and quick approval processes. Whether you're facing unexpected medical bills, urgent home repairs, or temporary cash shortfalls, an urgent cash loan app can provide immediate financial relief when traditional banks can't help.

With competitive interest rates and flexible repayment options, these apps have become the go-to solution for millions seeking to bridge temporary financial gaps without lengthy paperwork or waiting periods.

List of 15 Best Urgent Cash Loan Apps in India 2026

With dozens of options flooding app stores, identifying a trustworthy urgent money loan app requires careful consideration. Here's a comprehensive list of the top 15 urgent cash loan apps currently operating in India, along with their interest rates and processing times to help you make an informed decision. These apps offer interest rates ranging from 12%-50% pa.

App Name	Interest Rates	Rating
NoBroker Instacash	Starting from 12.99% p.a.	4.9/5⭐
Bajaj Finserv	13% - 25%	4.9/5⭐
SmartCoin	20% - 36%	4.6/5⭐
Fibe	18% - 30%	4.5/5⭐
mPokket	24% - 48%	4.5/5⭐
CASHe	27% - 36%	4.4/5⭐
LazyPay	18% - 30%	4.4/5⭐
Navi	9.9% - 36%	4.3/5⭐
MoneyTap	13% - 24%	4.1/5⭐
StashFin	11.99% - 59%	3.9/5⭐
KreditBee	15% - 29.95%	3.4/5⭐
Dhani	13% - 30%	3.3/5⭐
LoanTap	18% - 30%	3.1/5⭐
KreditKart	12% - 36%	3/5⭐
PaySense	16% - 28%	2.9/5⭐

Top 15 Urgent Cash Loan Apps - Detailed Information 2026

Let's delve deeper into each app to understand its features, benefits, and potential drawbacks. This detailed urgent cash loan app review will help you choose the best fit for your needs.

1. NoBroker InstaCash - 4.9/5⭐

NoBroker InstaCash is a reliable urgent cash loan app offering instant loans with competitive interest rates. The app features a user-friendly interface and a simplified application process, making it ideal for first-time borrowers seeking quick financial assistance.

Quick Info: NoBroker InstaCash
Loan Amount Range	₹1,000 - ₹5,00,000
Interest Rate	Starting from 12.99% p.a.
Processing Fee	2-3% of loan amount
Eligibility	Age 21-58, minimum income ₹15,000
Disbursal Time	Instant to 24 hours
Rating	4.9 /5
Pros	Instant approval, minimal documentation, flexible repayment options
Cons	It may require a good credit score for higher loan amounts

2. Bajaj Finserv - 4.9/5⭐

Through its app, Bajaj Finserv offers both personal loans and a flexible loan facility. It's known for its transparent fee structure and competitive interest rates.

Quick Info: Bajaj Finserv
Loan Amount Range	₹30,000 - ₹25,00,000
Interest Rate	13% - 25%
Processing Fee	Up to 3.5% of loan amount
Eligibility	Age 23-55, minimum income ₹30,000
Disbursal Time	24 hours
Rating	4.9/5
Pros	Higher loan amounts, flexi loan facility, part-payment options
Cons	Stricter eligibility criteria, detailed documentation

3. SmartCoin - 4.6/5⭐

SmartCoin uses machine learning to analyze thousands of data points to determine creditworthiness, making it accessible to working professionals.

Quick Info: SmartCoin
Loan Amount Range	₹1,000 - ₹1,50,000
Interest Rate	20% - 36%
Processing Fee	2-3% of loan amount
Eligibility	Smartphone users aged 21-60 years
Disbursal Time	Few hours
Rating	4.6/5
Pros	Digital KYC, AI-based assessment, cash rewards for timely repayments
Cons	Requires access to smartphone data

4. Fibe - 4.5/5⭐

FIbe focuses on young professionals by offering salary advances and instant loans. The app's key differentiator is its ability to process loans even during weekends and holidays.

Quick Info: EarlySalary
Loan Amount Range	₹8,000 - ₹5,00,000
Interest Rate	18% - 30%
Processing Fee	Flat fee based on loan amount
Eligibility	Salaried individuals aged 21-55 years
Disbursal Time	Instant
Rating	4.5/5
Pros	Weekend disbursal, salary advance option, cashback offers
Cons	Limited to salaried employees

5. mPokket - 4.5/5⭐

mPokket targets college students and young professionals with small-ticket loans for immediate needs. The app has simplified its application process to cater to first-time borrowers.

Quick Info: mPokket
Loan Amount Range	₹1,000 - ₹30,000
Interest Rate	24% - 48%
Processing Fee	Flat fee based on loan amount
Eligibility	College students and working professionals
Disbursal Time	Few minutes
Rating	4.5/5
Pros	Suitable for students, minimal documentation, quick approval
Cons	Higher interest rates, lower loan amounts

6. CASHe - 4.4/5⭐

CASHe utilises AI-based technology to assess borrowers' creditworthiness beyond traditional credit scores. This makes it accessible to young professionals with limited credit scores but a stable income source.

Quick Info: CASHe
Loan Amount Range	₹5,000 - ₹3,00,000
Interest Rate	27% - 36%
Processing Fee	2-3% of loan amount
Eligibility	Salaried individuals aged 23-58 years
Disbursal Time	Few minutes
Rating	4.4/5
Pros	Social Loan Quotient scoring, no physical documentation, flexible tenures
Cons	Higher interest rates compared to some competitors

7. LazyPay - 4.4/5⭐

LazyPay offers small-ticket instant loans with a "Buy Now, Pay Later" concept. It's ideal for users looking for short-term borrowing with minimal documentation.

Quick Info: LazyPay
Loan Amount Range	₹1,000 - ₹1,00,000
Interest Rate	18% - 30%
Processing Fee	Varies based on transaction
Eligibility	Users with good transaction history
Disbursal Time	Instant
Rating	4.4/5
Pros	No paperwork, interest-free period, integrated with shopping platforms
Cons	Limited loan amount, strict eligibility criteria

8. Navi - 4.3/5⭐

Navi offers 100% digital personal loans with competitive interest rates and minimal documentation. For your urgent cash loan needs, you can explore the app as it gives instant disbursal of loan. 

Quick Info: Navi
Loan Amount Range	₹30,000 - ₹20,00,000
Interest Rate	9.9% - 36%
Processing Fee	Up to 2.5% of loan amount
Eligibility	Age 18-65, minimum income varies
Disbursal Time	Instant
Rating	4.3/5
Pros	Low interest rates, 100% digital process, minimal documentation
Cons	Credit score impacts interest rate significantly

9. MoneyTap - 4.1/5⭐

MoneyTap offers a unique credit line facility that allows users to borrow only what they need and pay interest only on the amount used. This feature makes it an excellent choice for those who need periodic access to funds.

Quick Info: MoneyTap
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. StashFin - 3.9/5⭐

StashFin provides a credit line card that works like a personal loan and a credit card. Users can withdraw funds as needed and repay in easy instalments.

Quick Info: StashFin
Loan Amount Range	₹10,000 - ₹5,00,000
Interest Rate	11.99% - 59%
Processing Fee	2-5% of loan amount
Eligibility	Age 23-58, minimum income ₹12,000
Disbursal Time	Within 24 hours
Rating	3.9/5
Pros	Credit line card, zero foreclosure charges, flexible EMI options
Cons	Wide interest rate range, higher rates for lower credit scores

11. KreditBee - 3.4/5⭐

KreditBee is a popular personal loan app that specialises in providing micro-loans to salaried professionals. The app offers customised loan products with flexible repayment terms and has gained popularity for its quick verification and approval processes.

Quick Info: KreditBee
Loan Amount Range	₹1,000 - ₹4,00,000
Interest Rate	15% - 29.95%
Processing Fee	Up to 6% of the loan amount
Eligibility	Salaried individuals aged 21-55 years
Disbursal Time	Instant
Rating	3.4/5
Pros	No collateral required, quick KYC verification, easy EMI options
Cons	Higher interest rates for first-time borrowers

12. Dhani - 4.2/5⭐

Dhani offers instant loans and a super card for various financial needs. The app has gained popularity for its three-minute loan approval process.

Quick Info: Dhani
Loan Amount Range	₹1,000 - ₹15,00,000
Interest Rate	13% - 30%
Processing Fee	2-3% of loan amount
Eligibility	Age 18-65, income proof required
Disbursal Time	Instant
Rating	4.2/5
Pros	Three-minute approval, health insurance benefits, cashback rewards
Cons	Varying eligibility criteria for different products

13. LoanTap - 3.3/5⭐

LoanTap specialises in innovative loan products with flexible repayment options, including EMI-free periods and bullet repayments.

Quick Info: LoanTap
Loan Amount Range	₹50,000 - ₹10,00,000
Interest Rate	18% - 30%
Processing Fee	1-2% of loan amount
Eligibility	Salaried professionals aged 23-58 years
Disbursal Time	24 hours
Rating	3.3/5
Pros	EMI-free periods, bullet repayment option, flexible loan tenures
Cons	Limited to salaried professionals, detailed documentation

14. KreditKart - 3/5⭐

KreditKart offers a virtual credit card facility with the flexibility to convert transactions into EMIs. This makes it suitable for both shopping needs and urgent cash requirements.

Quick Info: KreditKart
Loan Amount Range	₹3,000 - ₹2,00,000
Interest Rate	12% - 36%
Processing Fee	1-2% per transaction
Eligibility	Age 21-55, minimum income ₹15,000
Disbursal Time	Instant
Rating	3/5
Pros	Virtual credit card, flexible EMI conversion, no physical documentation
Cons	Limited merchant acceptance compared to regular credit cards

15. PaySense - 2.9/5⭐

PaySense offers personal loans for weddings, travel, and medical emergencies. The app features a virtual credit limit that increases with good repayment behaviour.

Quick Info: PaySense
Loan Amount Range	₹5,000 - ₹5,00,000
Interest Rate	16% - 28%
Processing Fee	1.5-3% of loan amount
Eligibility	Age 21-60, minimum income ₹15,000
Disbursal Time	Within 24 hours
Rating	2.9/5
Pros	Pre-approved loans, increasing credit limit, multiple repayment options
Cons	Requires bank statement verification

How to Apply for an Urgent Cash Loan?

Applying for an urgent cash loan app is straightforward and provides quick financial relief during emergencies. Follow these simple steps to secure your loan efficiently and without unnecessary complications.

• Step 1: Download and install: Based on your eligibility and requirements, Choose your preferred urgent cash loan app from the app stores.
• Step 2: Registration Complete the registration process by providing your basic personal details and creating secure login credentials.
• Step 3: KYC Verification Submit the required KYC documents such as Aadhaar, PAN, and other identity proofs for verification.
• Step 4: Income Verification Upload income proof such as salary slips, bank statements, or Form 16 to establish your repayment capacity.
• Step 5: Loan Application: Based on your financial needs and repayment capability, Specify your required loan amount and preferred tenure.
• Step 6: Approval Process Wait for the automated system to evaluate your application, which typically takes just a few minutes.
• Step 7: Loan Disbursal Upon approval, the loan amount will be transferred directly to your registered bank account.

Eligibility Criteria for Urgent Cash Loan

Before applying for an urgent cash personal loan app, ensure you meet these standard eligibility criteria to increase your chances of approval and avoid rejection.

• Age Requirement: Applicants must typically be between 21 and 58 years old to qualify for most urgent loan applications.
• Income Stability: Regular monthly income with minimum salary requirements varying from ₹12,000 to ₹30,000 depending on the app.
• Employment Status: Most apps require at least 3-6 months of employment at your current organization.
• Credit Score: While some apps offer no credit check loans, a CIBIL score above 700 ensures better rates.
• Bank Account: An active bank account with net banking facilities is mandatory for loan disbursal and EMI payments.
• Residential Stability: Proof of stable residence in your current location for at least 6 months.
• Smartphone Access: A compatible smartphone with reliable internet connectivity to complete the application process.

Documents Required for Urgent Cash Loan

Preparing these essential documents beforehand will streamline your loan application process and ensure faster approval on any urgent cash loan app.

• Identity Proof: Aadhaar card, PAN card, Voter ID, or Driving License to verify your identity.
• Address Proof: Utility bills, rental agreement, or passport to confirm your current residential address.
• Income Proof: Latest salary slips, Form 16, or bank statements showing regular income credits.
• Employment Verification: Employee ID card or appointment letter confirming your current job status.
• Bank Statement: Last 3-6 months' bank statements to verify income consistency and financial behaviour.
• Photograph: Recent passport-sized photograph for KYC verification purposes.
• Digital Signature: Some apps may require a digital signature to complete the loan agreement.

Benefits of Urgent Cash Loan Apps

Urgent cash personal loan apps offer numerous advantages over traditional banking channels, making them increasingly popular among borrowers facing immediate financial needs.

• Instant Approval: Applications are processed within minutes using advanced algorithms instead of lengthy manual verification.
• Minimal Documentation: Most apps require only basic KYC documents, eliminating the need for extensive paperwork.
• 24/7 Accessibility: Apply for loans anytime, anywhere without the constraints of banking hours or physical branch visits.
• Flexible Loan Amounts: Borrow exactly what you need, from small amounts for immediate expenses to larger sums for significant costs.
• Transparent Terms: Clear display of interest rates, processing fees, and other charges before loan acceptance.

Get Instant Urgent Loan With NoBroker InstaCash

NoBroker InstaCash is the premier urgent cash loan app in today's competitive digital lending market. With its lightning-fast approval process and minimal documentation requirements, InstaCash has revolutionized how Indians access emergency funds. The app's sophisticated algorithm evaluates your creditworthiness beyond traditional parameters, making loans accessible even to those with limited credit history.

What truly sets NoBroker InstaCash apart is its transparent fee structure and competitive interest rates starting from just 12.99% p.a. Unlike other urgent money loan apps that hide charges in fine print, InstaCash believes in complete transparency, ensuring you know exactly what you're paying. The app's user-friendly interface guides you through each step of the application process, with dedicated customer support available 24/7 to address any concerns.

Frequently Asked Questions