Top 10 Instant Personal Loan Apps in India 2025

1. Bajaj Finserv

One of the top personal loan app options, Bajaj Finserv offers loans up to ₹40 lakh via fast approval processes (5–10 minutes) and quick disbursal within a day. Interest rates range from 10–32 % p.a., with tenures up to 96 months 

2. Navi

A standout among online personal loan apps, Navi provides loans ₹10k–₹20 lakh, rates starting at 9.9% p.a., and tenure up to 72 months. With 100 % paperless KYC and same-day disbursal, it’s ideal for tech‑savvy users 

3. Moneyview

Ranked in the top 10 instant personal loan app lists, Moneyview caters to users needing ₹5k–₹10 lakh, interest from about 10 % p.a., and flexible tenures up to 60 months. Noted for quick eligibility checks and disbursals within 24 hours 

4. KreditBee

Specializing in small-to-mid-range loans (₹1k–₹5 lakh), with rates 15–30 % p.a. KreditBee delivers fast approval loan app features: minimal documentation, 10‑minute approvals, and disbursal within minutes 

5. CASHe

This app uses an AI‑based Social Loan Quotient to offer quick loan app solutions (₹1k–₹4 lakh). It provides salary advances, disbursement in 15–20 minutes, with interest starting around 2.5 % p.m. and tenures up to 18 months.

6. PaySense (now part of LazyPay)

Offering ₹5k–₹5 lakh with interest rates ranging 16–36 % p.a. PaySense delivers fast approval loan app with flexible EMI, some pre‑approved offers, and digital loan processing in minutes.

7. Fibe (EarlySalary)

This instant personal loan app extends short-term loans ₹5k–₹5 lakh, with interest starting from about 12 % p.a. The app is built for salary advances, offering quick disbursal in minutes.

8. Dhani

Dhani offers loans from ₹1k–₹15 lakh with rates from 13.99 % p.a. It’s a top personal loan app backed by Indiabulls, offering zero-document approval, a Rupay card, and a fully digital experience.

A quick loan app with a revolving credit line, offering ₹3k–₹5 lakh, interest only on utilized amounts, borrowing flexibility, and interest starting around 12 % p.a. .

10. IDFC First Bank

Among the top 10 personal loan app picks is IDFC First, offering loans up to ₹10 lakh, starting at 10.99 % p.a., and tenures up to 5 years. Real-time eligibility checks and seamless digital processing make it a robust option.

How We Ranked These Apps

We selected apps based on:

• Instant disbursal: approval and funds within minutes to a day

• Loan range: ₹1k–₹40 lakh depending on user need

• Interest rates: competitive APR for short or long tenures

• User experience: paperless, user-friendly KYC, digital processing

• Credibility: RBI‑approved NBFC partners and high app ratings

This resulted in a cross‑section of apps ideal for emergencies, salaried users, first‑timers, and larger financial needs.

Tips for Choosing the Best Instant/Quick Loan App

1. Define your need: small instant cash vs. large financing

2. Compare interest & fees: upfront vs. monthly APR considerations

3. Check repayment flexibility: EMIs vs. credit-line pay-only-as-you-use

4. Accessibility: ensure Aadhaar, PAN, bank account, and credit eligibility

5. Read reviews: watch for hidden charges, customer service, app reliability

Upcoming Trends in 2025

• Super‑app lending: E‑commerce giants like Flipkart are entering lending with NBFC licenses; soon you'll find instant loan app offerings directly on retail platforms

• Zero‑fee offers: Banks like SBI, ICICI, Kotak are offering personal loans with fast approval loan and zero processing fees—especially attractive on ₹5 lakh loans .

• AI-enhanced credit: Apps like CASHe and Dhani leverage AI and social/behavioral data to reach underserved or new-to-credit borrowers more accurately.

Final Verdict

Each app caters to different borrower profiles: from the minimal‑paper CASHe and KreditBee for micro‑loans, to full‑scale lenders like Bajaj Finserv and Navi. Evaluate based on loan size, speed, rate, and repayment comfort. With these top 10 instant personal loan app options, borrowers can confidently choose.

Quick Comparison Table