10 Best Personal Loan Apps in India 2021

10 Best Personal Loan Apps in India 2021

Best Personal Loan Apps in India, In this article you will check it about the 10 Best Personal Loan Apps in India 2021, Instant loan apps can be the solution to your quick emergency cash. These applications can be easily downloaded from Playstore and you need to go through a brief procedure and document verification to receive a personal loan.

If you need urgent cash and if you are thinking about an Instant personal loans then this post will be helpful for you because in this article we are talking about How You can Get a personal Loan through the Instant Loan App.

10 Best Personal Loan Apps in India


This is one of the fastest instant loan apps in India. You may simply acquire a fast loan with MoneyTap, and all you have to do is download the mobile app. So, how does it function? To get started, you must first download the application and register on the same website. After you’ve registered, you’ll need to fill out the KYC paperwork and wait for final approval.

After that, based on your credit score, you can acquire an instant credit up to an approved amount of INR 5,00,000, which you can use to buy everyday essentials, indulgences, travel, and other things.

The best aspect is that you won’t have to go through a lot of paperwork or wait long periods. This makes this one of the best personal loan apps in India, and people do not hesitate to use it, as well.


It began as a drugstore but has now expanded to include money lending services. Dhani is one of the best personal loan apps without documents, and many outstation students rely on it to make ends meet while working part-time. You can easily obtain a quick loan of up to INR 5,00,000, with interest rates that are both handy and affordable.

Every transaction will also earn you 2% cashback, which you may spend for future redemptions and services. There are no bank mandates necessary, and you can easily receive a lifetime cashback card with the help of Dhani, which is why this is the best instant loan app without salary slips.

Also, you get a virtually interest-free credit line up to INR 5,00,000 and can easily choose to get a 90-day payback scheme.

  • Interest Rate Per Month – 1 to 3.17 percent
  • Maximum Loan Amount – Rs. 5,00,000
  • Minimum Loan Amount – Rs. 1,000
  • Documentation – PAN card, Address proof (passport, voter ID, driving license, Aadhar card), Bank details
  • Features – Instant money up to Rs. 5,00,000 at minimum interest, Easy EMI, Unlimited access to doctors,
  • No processing fee & other charges, Exciting cashback, Free Dhani RuPay card, 100% online process, 24*7 customer support


This is one of the best instant loan apps without salary slips, and it has recently merged with LazyPay to become one of the best platforms in this field. For any work, you can acquire rapid personal loans ranging from INR 5,000 to INR 5,00,000, and you won’t have to wait long for approval.

The best part is that you won’t have to worry about running out of time because this platform is known for approving requests quickly. What makes this platform the best personal loan app? It’s because the documents can be picked up immediately from your house, eliminating the need to courier or scan for digital copies.

  • Interest Rate Per Month – 1.08 to 2.33 percent
  • Maximum Loan Amount – Rs. 5,00,000
  • Minimum Loan Amount – Rs. 5,000
  • Documentation – Proof of Identity (Aadhar card/PAN card), Proof of Address (Aadhar card, utility bills, or rental agreement), Proof of Income (bank account statement), and a Photograph


KreditBee is an instant personal loan platform for self-employed and salaried professionals. You can also use KreditBee loans, even though you haven’t taken out a loan yet, or don’t have a credit card. KreditBee offers three types of personal loans for customers in India.


CASHe has established itself as the best personal loan app, and the UI/UX it has to offer for its application confirms this. You can easily log in and register on the app, and the dashboard contains all of the information you’ll need to get a fast loan.

You can choose from a variety of loans with a maximum amount of INR 500,000 and various interest rates and repayment terms.

There are also Buy Now Pay Later partnerships with Flipkart, Amazon, Big Basket, and others, and you may choose to guarantee your debts with insurance policies.

PayMe India

PayMe India is a great platform with an extensive range of benefits, which helps it to become one of the best personal loan apps in India. Whether it is last-minute rent payment, utility bills or an impromptu vacation, or even flash sale online, or any kind of necessity in terms of medical emergencies, loss of work and salary, deductions, etc,

PayMe India has a loan for all processes. This makes it one of the most versatile platforms to secure loans. You can easily get yourself registered on the platform and you will have to select a plan, along with uploading of documents, getting KYC done, etc.

and you will be eligible for an instant loan. You can also take corporate loans if you have a business. However, you will need the right documentation for such loans, and you can always have a long credit period.

  • Interest Rate Per Month – 2 to 6 percent
  • Maximum Loan Amount – Rs. 1,00,000
  • Minimum Loan Amount – Rs. 1,000
  • Documentation – Bank statement, Salary slip, PAN card, Photo ID proof, Address proof
  • Features – Easy login, Accurate assessment, Swift disbursal, Instant cash, Different loan types, Loan advisory, Safe process, Private & secure

Home Credit

This is one of the easiest portals for any Indian citizen from the age group of  19 to 65 to get short-term loans in India. Depending on your credit rating, you can easily avail of loans up to INR 2,00,000 with two documents only, a PAN card, and any other proof of identity or address.

This makes the approval process short and hence it has made the list of the best personal loan apps. You are eligible for a credit period of up to 26 months, and the loan approval is completely digital.

It can be directly linked to your bank account or any other digital wallet, and the money will be directly credited to the same account. This platform is also available to senior citizens, who are pensioners and have a basic monthly income and is also valid for students who are studying and not earning.

  • Interest Rate Per Month – 2.4 to 3.3 percent
  • Maximum Loan Amount – Rs. 10,000
  • Minimum Loan Amount – Rs. 2,00,000
  • Documentation – PAN card, Identity/Address proof
  • Features – Generates best offers after evaluating ‘best fit’ eligibility, Provides easy loan application and approval, Extends clear view of loan details, Facilitates quick EMI payments, 100% private and secure online process


This website focuses on short-term loans for students and salaried individuals. It enables you to obtain rapid, instant cash with prior permission, allowing you to alleviate your cash need and complete your everyday activities and chores.

The best aspect about the low-interest loan app is that you may transfer the funds from your approved loan to any digital wallet, such as Paytm or bank accounts. There’s no need to open a new bank account or use the UPI system. You can also buy directly from internet portals,

which makes transactions easier for consumers. One of the reasons why people enjoy using mPokket regularly is this. Salaried employees can get up to INR 30000 in short-term loans with just proof of employment and salary credits. Apart from their membership in any institution, students do not require any documentation.

India Lends

This is one of the most premium and favourite lending platforms for Indians, as they have different kinds of loans available for different classes of loans. They also help in getting the lowest rate of interest from most banks and NBFCs, which makes it the low-interest loan app, which most people tend to look for.

Apart from instant loans, you can also avail of gold loans at lesser interest rates, property-backed loans, etc. This platform is also known to provide credit cards, and you can choose from more than 40+ schemes and cards. What makes this the best loan app for students?

You can also check your credit score by just uploading your PAN documents, and this in turn helps you to select your scheme of instant loan. This is undoubtedly the gold mine of financial services, and every major piece of information is widely available on their portal.

  • Interest Rate Per Month – 0.9 to 3 percent
  • Maximum Loan Amount – Rs. 50,00,000
  • Minimum Loan Amount – Rs. 15,000
  • Documentation – There are various document requirements on this application which you can scroll through via this website.
  • Features – Easy approval, Quick disbursal, 100% online process, Supportive customer service, High maximum value, Lower interest rates

Money View

Money View is known for its credit rating model, and that is the primary reason why most people can get instant loans directly from this platform without any worries. They also take pride in their 100% cashless and paperless procedures, which helps them to disburse loans up to INR 5,00,000 quickly within 24 hours.

Their process is completely digital and this helps them to grant loans anywhere in India. However, you will need a proper loan plan with terms and conditions, repayment module, interest rate, and more importantly, the payment schedule before the money gets credited to your bank account.

If it is a specific loan like a student loan, personal loan, home loan, etc., you will also need the right documentation against the loan to make it relevant. The swift nature of approvals, along with documentation makes it the fastest instant loan app, and the interface makes it pretty easy to handle, too.

  • Interest Rate Per Month – 2 percent
  • Maximum Loan Amount – Rs. 5,00,000
  • Minimum Loan Amount – Rs. 5,000
  • Documentation – Income proof (salary slip or 3 months bank statement), PAN card, Address proof (Aadhar card, utility bill, driver’s license, passport, voter’s ID), and Identity Proof (Aadhar card, utility bill, driver’s license, passport, voter’s ID)

Best Personal Loan Apps in India (FAQ):

Which app gives loans faster?

1 PaySense ₹5,000 to ₹5 lakh

Is Kissht RBI registered?

RBI (Reserve Bank of India) registered Non-Banking Financial Company (NBFC), engaged in the business of financing consumer loans for the purchase of goods and services from various channels such as online.

Is online loan Safe?

Lending money from a credible source such as Google Play Store keeps the loan process safe, eliminating the chances of fraud.

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