Instant Personal Loan Apps in India

A personal loan or line of credit can greatly help in emergencies and provide you with immediate financial help, so an online instant personal loan app is your best bet! We are here to discuss some of the best personal instant loans. Which is easily available and at a low rate of interest

Top 20 Instant Personal loan app in India

Here are the top 20 instant loan apps listed below. There are many loan apps that give instant money. High google rating play store loan app. 

NoLoan apps nameInterest Rate (P.A.)Loan AmountPlayStore Rating
1Kreditbee0% to 29.88%1000~300004.5
2True balance 5% Per month1000~300004.3
3Smart Coin0%~30%1000~1lakh4.5
4Kisst~36%1000~100004.3
5Loan Front12%~35%1000~2lakh4.5
6StashFin11%~60%1000~5lakh3.8
7Fibe(Early Salary)~24%1000~2lakh4.5
8Nira~36%1000~2lakh4.4
9IndiaLends Personal Loans10%*Up to Rs 50 Lacs based on the credit profile4.3
10MoneyView~24%1000~10lakh4.7
This rate of interest is an estimate, it can be more and less

1. KreditBee personal loan

KreditBee is a platform that facilitates loan transactions between borrowers and personal loan providers such as NBFCs/Banks. All loan applications are processed and approved by NBFCs/Banks registered with RBI (The Reserve Bank of India). All the details are clearly mentioned in advance during the loan application.

KreditBee is an Instant Personal Loan platform for self-employed and salaried professionals that helps you get the money you need when you need it. Where they can apply for a Personal Loan starting from ₹ 1,000 up to ₹ 3 Lakhs as per their requirements. They can choose from various loan packages, including Fixed and Floating Interest Rates, and Saver and Dormancy Plans.

2. True balance personal loan

True Balance is fast, simple, and seamless. We facilitate fast disbursal of loans which involves a few simple steps.

True Balance personal loan details

True Balance is a personal loan app that has been trusted by over 75 million users across the country. Here, you may avail of an online personal loan from ₹ 5,000 to ₹ 50,000 for a tenure of a minimum of 62 days to 116 days at a low processing fee. The APR ranges from 60% to 154.8%.

True balance personal loan instant Instant Personal Loan platform loan
loan Process Digital KYC and Video KYC
Processing Fee Up to 2.5% 
Loan tenure 62Days
Maximum Loan Amount  5000~50000
Age Limit 21Years
Citizenship Indian
Customer Email cs@balancehero.com
Customer care Number

(0120)-4001028

Example Loan For ₹10,000 personal loan borrowed for 90 days, with interest rate @5% per month*, a user would pay:
-> Processing fee (@ 3%) = ₹3,00 + GST (18%) 54= ₹354
-> Interest* = ₹1,500
-> EMI = ₹ 3,833
Total amount to be repaid = ₹11,854/- including Processing fee +GST
*Loan Interest Rate may vary based on the user’s risk profile
Apply For Loan

TRUE BALANCE PERSONAL LOAN customer number

1. Customer:- Care number (0120)-4001028
2. email:- cs@balancehero.com

3. NIRA personal loan

NIRA partners with various RBI-regulated NBFCs/Banks to facilitate loans for salaried people. NIRA offers instant loans up to ₹1,00,000 with really low interest rates and a credit line for future uses.

Nira personal loan details

Loan Amount: Rs 5,000 to Rs 1,00,000
Minimum Annual Percentage Rate (APR): 24%, Maximum Annual Percentage Rate: 36% (reducing balance)
Minimum repayment period: 91 days, Maximum repayment period: 24 months
Processing Fees: Max (₹350 + GST, Up to 2%-7% of loan amount plus GST)
Prepayment Fees: Zero within 7 days of disbursal, 4% of prepayment amount thereafter
Late fee: In case overdue exceeds 30 days, you’ll be charged Rs.500. Maximum late fee charged would be Rs.1000 if overdue exceeds 90 days.

Nira personal loan instant Instant Personal Loan platform loan
loan Process Digital KYC and Video KYC
Processing Fee Up to 2.5% 
Loan tenure 6 months
Maximum Loan Amount  5000~50000
Age Limit 22-59 years
Eligibility Criteria Salaried (Min 12K)
Citizenship Indian
Customer Email support@nirafinance.com
Customer care Number

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Example Loan  Amount Borrowed (Principal) = ₹14,999/-
✔ Interest Rate (APR) = 36% (on Reducing Principal Balance interest calculation)
✔ Tenure = 6 months
✔ Processing Fee (incl. GST) = ₹826
✔ Amount disbursed = ₹14,173
✔ Your EMI amount = ₹2769 (based on PMT method, sample monthly payment)
✔ Interest amount = ₹2769 x 6 - ₹14999 = ₹1614(sample interest calculation)
✔ Late Fee = ₹0 if paid on time
✔ Total Cost of Loan = Processing Fee + Interest Amount + Late Fee = ₹826 + ₹1614= ₹2440
✔ Principal repayment amount = ₹14,999/- (same as amount borrowed)
✔ Total repayment amount = Principal repayment amount + Interest Amount + Fee = ₹14,999 + ₹1614 + ₹0 = ₹16,613
Apply For Loan

Steps for availing an Instant Personal Loan from NIRA :

1. Fill quick application form on our app. Receive loan approval decision on qualification instantly.
2. Once you qualify, upload
3 months bank statements, Aadhaar card, e-sign your loan agreement in our Aadhar Card Loan App
PAN card
Selfie
3. Get instant cash in your bank a/c and Money tap away

NIRA PERSONAL LOAN customer number

Our contact details:
1. Customer:- —
2. email:- support@nirafinance.com

4. Smart Coin personal loan

Founded in 2016, SmartCoin Financials Pvt. Ltd. is an app-based consumer lending platform. We partner with RBI-registered Non-Banking Financial Companies (NBFCs) to offer instant personal loans to self-employed and salaried individuals. With a vision to address the vast unmet financial needs in India, we are evolving from a micro-lending platform to providing a full suite of offerings, including gold savings, and insurance, among others.

Smart Coin personal loan details

With SmartCoin, you can get loans from ₹1,000 to ₹70,000 within a tenure of 91 days to 270 days at a minimum interest rate of 20% and maximum interest rate of 36%.

Smart Coin personal loan instant Instant Personal Loan platform loan
loan Process Digital KYC and Video KYC
Processing Fee Up to 2.5% 
 Interest rates 0%-30%
Loan tenure 6 months
Maximum Loan Amount  5000~50000
Age Limit 21-59 years
Eligibility Criteria Salaried (Min 12K)
Citizenship Indian
Customer Email help@smartcoin.co.in
Customer care Number

+91-9148380504

Example Loan If the loan amount is ₹40,000 & interest is 22% per annum with tenure of 12 months, processing fee of Rs. 750 will be charged.
The interest for 12 months would come out to be ₹4,925. The EMI per month would be ₹3,744. This would translate to a maximum APR of 23.875%. The total cost of the loan will be ₹5,678. The total amount paid back including everything at the end of the term will be ₹45,678.
Refer Code (ZI4FT6PW)

Smart Coin PERSONAL LOAN customer number

Our contact details:
1. Customer:- +91-9148380504
2. email:- help@smartcoin.co.in

5. Kissht Instant personal loan

Kissht app provides Instant Line of credit and allows small shop owners to receive and make payments through QR code and avail instant loans ranging from ₹ 10,000/- to ₹ 1,00,000/- basis their credit profile. APR varies from 14% – 28% per annum and loan tenure from 3 to 24 months.

Kissht Instant personal loan details

Kissht is India’s quickest credit app that offers instant QR based credit to small merchants to purchase their day-to-day inventory and grow their business. Small business owners can scan & pay utility bills such as electricity bills, Gas Bills, Fast Tag, post-paid bills & can access money on credit anytime in the form of cash in their account or by scanning QR to pay any vendor.

Kissht personal loan instant Instant Personal Loan platform loan
loan Process Digital KYC and Video KYC
Processing Fee Up to 2.5% 
 Interest rates 0%-36%
Loan tenure 15days~3 months
Maximum Loan Amount  1000~50000
Age Limit 21-59 years
Eligibility Criteria Salaried (Min 12K)
Citizenship Indian
Customer Email care@kissht.com
Customer care Number

02262820570

Example Loan 1. Revolving Line of Credit: Salaried customer can avail quick personal loan of ₹30,000 at interest rate of 18% with processing fee of ₹750 for tenure of 12 months. APR is 22.91%.
Loan amount (Principal): ₹30,000; Interest Rate: 18% per annum; Tenure: 12 months
Interest Payable: ₹3,005,
EMI: ₹2,750 per month, Total Repayment Amount: ₹33,000.
2. Instant line of credit to small business: Self-employed can avail a credit line of
₹1,00,000 for a period of 2 years. Over two-year period, the total fees (including processing fees and one-time initiation fee) charged is 9%. The interest rate is 18% per annum, APR for the revolving credit line is 27.54%.
Apply For Loan

How to apply for kissht credit line

1. Install Kissht app
2. Register with mobile number & accept basic permissions
3. Submit KYC documents for instant credit check
4. Sign online loan agreement from approved NBFCs. Get instant loan approval and money is transferred to your bank accoun

Kissht Instant personal loan customer number

Our contact details:
1. Call- 022 62820570
2. WhatsApp- 022 48913044
3. Email- care@kissht.com

6. Money View Instant personal loan

Use the moneyview loans App to get instant personal loans starting from ₹10,000 up to ₹5,00,000 in just a few minutes! Our Annual Interest rates (APR) vary from 16% to 39%* & you can choose from a wide range of flexible EMI repayment plans starting from 3 months & going up to 5 years.

Money View Instant personal loan details

moneyview has partnered with RBI-authorised & regulated NBFCs/Financial Institutions

Money View personal loan instant Instant Personal Loan platform loan
loan Process Digital KYC and Video KYC
Processing Fee 2% - 8%*
 Interest rates 16% - 39%* (P.A.)
Loan tenure 15days~3 months
Maximum Loan Amount  10000~500000
Age Limit 21-59 years
Eligibility Criteria ₹13,500* or more
Citizenship Indian
Customer Email loans@moneyview.in
Customer care Number

02262820570

Example Loan 1. Revolving Line of Credit: Salaried customer can avail quick personal loan of ₹30,000 at interest rate of 18% with processing fee of ₹750 for tenure of 12 months. APR is 22.91%.
Loan amount (Principal): ₹30,000; Interest Rate: 18% per annum; Tenure: 12 months
Interest Payable: ₹3,005,
EMI: ₹2,750 per month, Total Repayment Amount: ₹33,000.
2. Instant line of credit to small business: Self-employed can avail a credit line of
₹1,00,000 for a period of 2 years. Over two-year period, the total fees (including processing fees and one-time initiation fee) charged is 9%. The interest rate is 18% per annum, APR for the revolving credit line is 27.54%.
Apply For Loan

How to Apply

1. Download the moneyview Loans App
2. Provide basic details & check your eligibility in 2 mins!
3. Choose your loan amount & repayment tenure
4. Complete your KYC and verify your income
5. Get the money transferred directly to your Bank A/c in a few hours!

7. indialends personal loan

IndiaLends is an online marketplace for credit products and offers free credit reports, a range of credit cards, and personal loans from different Banks and NBC’s. IndiaLends offers instant personal loans to its customers with most products being fully digital

Indialends Instant personal loan details

IndiaLends also provides technology, data and credit analytics solutions along with a loan management platform to financial institutions. IndiaLends is run by a team of credit risk professionals and data scientists with multiple years of experience in consumer credit.

IndiaLends personal loan instant Instant Personal Loan platform loan 
loan Process Digital KYC and Video KYC
Processing Fee 2% - 8%*
 Interest rates 10.25% to 25% (P.A.)
Loan tenure 6 to (Max) 60 month
Maximum Loan Amount  10000~500000
Age Limit 21-59 years
Eligibility Criteria ₹13,500* or more
Citizenship Indian
Customer Email support@indialends.com
Customer care Number

02027218030

Example Loan The total payout here would be:
Principal Amount – Rs 5,00,000
Interest Charges (@25%): Rs 3,80,540
Loan processing Fee (@2%): Rs 10,000
Documentation Charges: 400
Amortization Schedule charges: 150
Total cost of the loan: Rs 8,91,090
Apply For Loan

Indialends personal loan customer care number

Our contact details:
1. call:-02027218030
2. Email:- support@indialends.com
3. Toll Free Number: – 1800220306

8. Stashfin loan

Our loans range from ₹1000 to ₹5,00,000 with repayment periods starting from 3 months to 36 months. We offer interest rates ranging from 11.99% – 59.99% APR (Annual Percentage Rate), however rates may vary case to case. All loans are paid through Equal Monthly Instalments (EMIs) via electronic payment. We do charge low processing fees and have no other hidden costs.

Stashfin Instant personal loan details

  • Get instant loan upto 5,00,000
  • Select convenient EMI tenure upto 36 months
  • Enjoy instant cash across needs
  • Pay interest only on the amount utilized.
Stashfin personal loan instant Instant Personal Loan platform loan 
loan Process Digital KYC and Video KYC
Processing Fee 2% - 8%*
 Interest rates 10.25% to 25% (P.A.)
Loan tenure 15days to (Max) 60 month
Maximum Loan Amount  1000~500000
Age Limit 21-59 years
Eligibility Criteria ₹13,500* or more
Citizenship Indian
Customer Email
Customer care Number

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Example Loan If a customer takes a loan of ₹10,000 for a period of 3 months, at an annual interest rate of 11.99% APR, then the customer will pay an EMI for 3 months of ₹3,400 per month. Total payment over 3 months will be ₹10,200 (including principal and Interest).
Apply For Loan (ZIJAHDGI)

9. Fibe (Early Salary)

Instant Cash Loans, Personal Loans, Online Loans, Instant Personal Loans First Instant Loan App in India.

Fibe Instant personal loan details

  • Get instant loan upto 5,00,000
  • Select convenient EMI tenure upto 36 months
  • Enjoy instant cash across needs
  • Pay interest only on the amount utilized.
Fibe personal loan instant Instant Personal Loan platform loan 
loan Process Digital KYC and Video KYC
Processing Fee 2% - 8%*
 Interest rates 24% (P.A.)
Loan tenure 12 months
Maximum Loan Amount  1000~500000
Age Limit 21-59 years
Eligibility Criteria ₹13,500* or more
Citizenship Indian
Customer Email

020-67639797

Customer care Number

care@fibe.in

Example Loan • Loan amount: ₹ 50,000
• Processing fee (2% of loan amount * 18% GST) : ₹ 1,180
• Total Loan amount: ₹ 51,180
• Interest: 24% p.a. (on reducing principal balance interest calculation)
• Tenure: 12 months
• Your EMI: ₹ 4,840
• Total Amount to be paid: ₹ 4,840 x 12 = ₹ 58,075
• Total interest paid: ₹ 58,075 - ₹ 51,180 = ₹ 6,895
• Total cost of loan: ₹ 6,895 + ₹ 1,180 = ₹ 8,075
• APR (Annual Percentage Rate) : 28.58%
Apply For Loan (ZIJAHDGI)

Fibe loan customer care number

Our contact details:
1. call:-02027218030
2. Email:- support@indialends.com
3. Toll Free Number: – 1800220306

10. Loan Front Personal Loan

Financial needs crop up in many forms in your day-to-day lives. Sometimes you need small personal loans to keep you going till the next payday. Sometimes you need a larger amount to make big purchases or deal with emergency requirements. That is why our loan offerings start at Rs. 1500 and go right up to Rs. 2 lakhs.

Loan Front personal loan details

Flexi Personal Loan – A flexible loan option where you can avail loans within 10 minutes as direct bank transfer. All you need is your PAN Card & Address Proof to avail ₹2,000 to ₹25,000 for a tenure ranging from 62 days to 3 months.

Loan Front personal loan instant Instant Personal Loan platform loan 
loan Process Digital KYC and Video KYC
Processing Fee 2% - 8%*
 Interest rates 12% to 35% (P.A.)
Loan tenure 62 days to 6 months
Maximum Loan Amount  ₹5,000 to ₹2 Lakhs
Age Limit 21-59 years
Eligibility Criteria ₹12000* or more
Citizenship Indian
Customer Email

08048126351

Customer care Number

support@loanfront.in

Example Loan Loan Amount range: ₹2,000 to ₹200,000
Interest rates: From 12% to 35% per annum
Loan Tenure: 62 days to 6 months
Technology and other related fees: from ₹100 to ₹2500 max.
Apply For Loan (ZIJAHDGI)

Loan Font customer care number

Our contact details:
1. call:-08048126351
2. Email:- support@loanfront.in
3. Toll Free Number: – —