What are the Top 10 Personal Loan Apps in India?

Here’s the top 10 personal loan apps in India (2025 to 2026) focusing on safety, loan amounts, speed, and ease of use to help you pick the best option quickly:

1. Moneyview: One of India’s highest-rated personal loan apps, offering loans from Rs. 5,000 up to Rs. 10 lakh with a fast online process and flexible tenures. It’s widely trusted and simple to use for salaried and self-employed users.

2. CASHe: A popular instant loan app targeting salaried professionals with quick digital KYC and approvals up to around Rs. 3 to 4 lakh. It’s known for fast disbursals and flexible EMI options.

3. PaySense: Well-established, offering personal loans from Rs. 5,000 to Rs. 5 lakh with easy eligibility and paperless processing. Ideal for planned expenses and EMI repayment structures.

4. Bajaj Finserv: A big name with high maximum loan limits (up to several lakhs), competitive interest rates, and long repayment tenures great for larger funding needs.

5. KreditBee: Fast loan approvals for young professionals with flexible small-ticket loans and minimal paperwork often approved in minutes.

6. MoneyTap: Offers a credit line model, where you borrow only what you use, helping manage interest costs.

7. Navi: A modern app with clean UI and quick processing, offering personal loans up to several lakhs with transparent terms.

8. Fibe (formerly EarlySalary): Focused on salary advance and instant personal loans with quick funding and flexible tenures.

9. LoanTap: Provides personal loans from tens of thousands up to Rs. 10 lakh with a user-friendly app and easy documentation.

10. StashFin: Offers personal loans up to Rs. 5 lakh with competitive interest rates and flexible EMIs, suitable for both short-term and planned expenses.

I hope this helps!

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I have shared a list of the top 10 personal loan app, offering instant approvals, flexible repayment options, and competitive interest rates:​

1. IDFC FIRST Bank App: They offer a loan amount of up to Rs 10 lakh. The interest rate starts at 10.99% p.a. Tenure is up to 60 months. This bank has a high user rating (4.9) and seamless digital process.​

2. LazyPay App: This app is also a good one to get a loan amount of up to Rs 5 lakh. With an interest rate at 18% p.a.This offers instant credit line and easy repayment options.​

3. Tata Capital Personal Loan App: This app offers personal loan at an interest rate starting at 11.99%. Loan amount starting from Rs. 40 thousand to up to Rs. 35 lakhs. Tenure: Up to 6 years.

4. IndiaLends App: This app lends personal loans from Rs. from Rs 10,000 onwards. The interest rate starts at 10.25% to 29.99%. 

Apart from these there are several other apps that can help you with the instant disbursal of personal loan like:

1. Moneyview

2. KreditBee

3. CASHe

4. Fibe

5. Navi

6. Bajaj Finserv

So these are the top 10 personal loan apps. I hope this helps!

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Read more:

Which Bank Gives the Best Personal Loan?

It is challenging to choose the best personal loan app, particularly if you require immediate access to money. Before taking a personal loan, I researched the top 10 personal loan apps in India. I found the top applications for personal loans are NB InstaCash, Moneyview, KreditBee, CASHe, and others. They have also helped many people. I have shared the complete lists below for you.

Top 10 Instant Personal Loan App in India

During my research, I found the following apps are popular for their ease of use, instant approvals, and flexible repayment terms. Whether it’s for an emergency or a planned expense, these platforms can make borrowing hassle-free.Here’s the list:

1. NB InstaCash: You can get up to Rs.10 lakhs instantly at lower interest rates to your account. It\'s a trusted platform that ensures quick approval and seamless processing.
2. Moneyview: Offers loans from Rs.5,000 to Rs.10 lakh, with interest rates starting at 16% p.a. and tenure of 6-60 months.
3. KreditBee: Offers Rs.1,000 to Rs.5 lakh with rates between 17% to 29.95% p.a. for 3-36 months.
4. CASHe: Loans range from Rs.1,000 to Rs.4 lakh at 2.5% p.m. onwards for 3-18 months.
5. MoneyTap: Provides up to Rs.5 lakh with interest starting at 13% p.a. and repayment between 3-36 months.
6. Fibe (EarlySalary): Loans from Rs.5,000 to Rs.5 lakh starting at 12% p.a. for 3-24 months.
7. Navi: Provides up to Rs.20 lakh with interest starting at 9.9% p.a. and tenure of up to 6 years.
8. mPokket: Best for students, as it provides up to Rs.45,000 at rates of up to 48% p.a. for 61 days-12 months.
9. PaySense: Get Rs.5,000 to Rs.5 lakh at 1.4%-2.3% monthly interest for 3-60 months.
10. LoanTap: Provides Rs.50,000 to Rs.10 lakh with rates between 12% to 24% p.a. for 6-60 months.

I finally took out a loan from NB InstaCash as they processed the amount in a few hours. I hope you get an idea of the top 10 online personal loan app in India.Get Personal Loans up to Rs. 10 Lakhs Immediately to Your Account with NB InstaCash.Also Read: How to Get a Personal Loan Quickly?