Top 35 Fastest Instant Personal Loan Apps in India 2025

The entry of loan apps has changed the way Indians borrow money.

You don’t have to spend hours completing your application or wait for days just to get an approval anymore.

Borrowing money has now become a matter of just a few taps because instant loans are revolutionizing the experience.

No document uploads, no paperwork. Just submit basic information like your name, income details and PAN to get approval within minutes.

List of 35 Fastest Instant Loan App in India

1. Zype

Zype is the fastest instant loan app of India designed to offer a differentiated experience to the users. Whether you need emergency loan or want to splurge on yourself, you can meet your diverse financial needs. Trusted by more than 900k users, Zype aims to change the way Indians borrow money by providing a seamless experience to them.

Why Zype is the Best Fastest Instant Personal Loan App in India

Zype makes borrowing simple and fast! The best part being, you can apply for a personal loan in less than 6 minutes, get loan approval in 60 seconds, and enjoy multiple repayment monthly EMI options of 6,9, and 12 to fit your needs. Plus, loan disbursals are fast which means you get the money when you need it most.

• Maximum Loan Amount: Rs 5 lakhs Personal Loan
• Minimum Loan Amount: Rs 3000
• Maximum Loan Tenure: 1 year
• Interest Rate: Starting at 1.5% (per month)
• Minimum Salary Required: Rs 15000
• Documents Required: Only PAN & Aadhaar card.
• Features: Application takes less than 6 minutes, Loan approval in 60 seconds, Loan Disbursal instantly, No hidden charges, No pre-closure charges, With one stop solution get multiple loans, Pay interest only on the amount you use, No Collateral, No document upload or paperwork.

2. Bajaj Finserv

Bajaj Finserv is a non-banking financial company (NBFC) that offers a diverse range of financial solutions. With the app, you can get different kinds of loans, manage your investments, and even get insurance.

• Maximum Loan Amount: Rs 25 lakhs
• Minimum Loan Amount: Rs 30000
• Maximum Loan Tenure: 84 months
• Interest Rate: Up to 34% (annual)
• Minimum Salary Required: Rs 25000 monthly
• Documents Required: KYC Documents like Aadhaar card or passport, PAN card, Employee ID card, Salary slips of last 3 months, Bank statement of last 3 months.
• Features: No prepayment charge, Flexible repayment tenure, Quick Approval, Fast Disbursal, No Hidden charges, No collateral.

3. MoneyTap

MoneyTap is a credit line loan app that offers a credit line to salaried individuals. You can take multiple personal loans from the line whenever you need.

• Maximum Loan Amount: Rs 5 lakhs
• Minimum Loan Amount: Rs 3000
• Maximum Loan Tenure: 36 months
• Interest Rate: Up to 36% (annual)
• Minimum Salary Required: Rs 30000 monthly
• Documents Required: Aadhaar number, Identity proof (Driving Licence/Voter ID/Passport/Aadhaar/PAN), Address proof (Driving license/Voter ID/Passport/Aadhaar/Utility bills/bank statements), Passport-sized photo/Selfie.
• Features: Flexible repayment tenure, Pay interest only on the borrowed amount, Paperless application.

4. PaySense

PaySense is one of the registered fastest instant loan app of India that provides different kinds of loans including personal loan for Wedding, vehicle loan, travel loan, student loan, medical emergency loan, etc.

• Maximum Loan Amount: Rs 5 lakhs
• Minimum Loan Amount: Rs 5000
• Maximum Loan Tenure: 3 to 60 months
• Interest Rate: Up to 36% (annual)
• Minimum Salary Required: Rs 18000 monthly
• Documents Required: Identity proof like PAN card or Aadhaar card, Address proof like Utility Bills, Rental agreement or Aadhaar, and bank statement of last 3 months.
• Features: Quick loan approval and disbursal, Simple application process, Flexible repayment tenure, Transparent terms of use, No collateral.

5. KreditBee

KreditBee is an instant personal loan app that offers flexi loans to both salaried and self-employed individuals in a few simple steps. There is no restriction on the loans that can help you meet both big and small expenses.

• Maximum Loan Amount: Rs 4 lakhs
• Minimum Loan Amount: Rs 1000
• Maximum Loan Tenure: 24 months
• Interest Rate: Up to 29.95% (annual)
• Minimum Salary Required: Rs 15000 monthly
• Documents Required: Real-time selfie verification, Identity proof like PAN card, Address proof like Aadhaar card or passport, employment proof and bank statement.
• Features: Quick Approval, Flexible repayment options, paperless, No hidden costs.

6. MoneyView

MoneyView is an instant personal loan app that offers small-ticket and big-ticket loans to both salaried and self-employed individuals all over India.They are currently serving more than 5000 locations in the country.

• Maximum Loan Amount: Rs 10 lakhs
• Minimum Loan Amount: Rs 5000
• Maximum Loan Tenure: 3 months to 5 years
• Interest Rate: Up to 39% (annual)
• Minimum Salary Required: Rs 13,500 monthly
• Documents Required: Proof of identity and address like PAN card, valid Indian passport, valid voter ID, driver’s license, or utility bills and a proof of income (last 3 months salary slips or bank statement).
• Features: Paperless application process, Flexible EMIs, No hidden charges, Quick disbursal, No collateral, Affordable interest rate.

7. Fibe (EarlySalary)

Fibe formerly known as EarlySalary offers unsecured personal loans to young and tech-savvy Indian customers for their diverse financial needs.They offer different kinds of financial products like short-term personal loans, long-term personal loans, and other buy now pay later services.

• Maximum Loan Amount: Rs 5 lakhs
• Minimum Loan Amount: Rs 5000
• Maximum Loan Tenure: 3 to 36 months
• Interest Rate: Up to 74% (annual)
• Minimum Salary Required: Rs 15000 monthly
• Documents Required: PAN card, Aadhaar card and bank statement.
• Features: No collateral, Minimal paperwork, No pre-closure charges, Digital process, Instant approval.

8. Stashfin

Stashfin is a credit line and fastest instant loan app that is powered by Akara Capital Advisor that offers personal loans in more than 30 cities across India.

• Maximum Loan Amount: Rs 5 lakhs
• Minimum Loan Amount: Rs 1000
• Maximum Loan Tenure: 3 months to 36 months
• Interest Rate: Up to 59.99% (annual)
• Minimum Salary Required: Stable source of income
• Documents Required: Address proof like Aadhaar card, Voter ID, Passport or driving license, Identity proof like PAN card, Bank Statement (Optional), ITR/GST papers (optional).
• Features: Flexible repayment options, Minimum documentation, Instant approval, Quick disbursal, No joining fees, Pay interest only on the loan amount you use, No hidden fees.

9. TrueBalance

TrueBalance is a lending and financial services platform that gives instant personal loans. They also offer other financial services like bill payments, prepaid and postpaid payments.

• Maximum Loan Amount: Rs 1 lakh
• Minimum Loan Amount: Rs 1000
• Maximum Loan Tenure: 62 days to 12 months
• Interest Rate: 60% to 154.8% (annual)
• Documents Required: KYC documents like PAN, Aadhaar card.
• Features: Digital process, Low processing fees, Long repayment tenure, Convenient repayment method.

10. Navi

Apart from giving personal loans, Navi offers credit scores for a wide range of financial services like investments in mutual funds, health insurance, home loans and UPI payments.

• Maximum Loan Amount: Rs 20 lakhs
• Minimum Loan Amount: Rs 5000
• Maximum Loan Tenure: 3 to 84 months
• Interest Rate: Up to 45% (annual)
• Minimum Salary Required: Annual income more than Rs 3 lakhs
• Documents Required: Aadhaar card and PAN card.
• Features: Instant disbursal, Minimal documentation, Flexible EMI options, No pre closure fees, No processing fees.

11. Kissht

Kissht is a credit platform that offers fastest instant personal loans and provides a seamless credit experience to its users.

• Maximum Loan Amount: Rs 2 lakhs
• Minimum Loan Amount: Rs 3000
• Maximum Loan Tenure: 24 months
• Interest Rate: 18% to 36% (annual)
• Minimum Salary Required: Rs 12000 monthly
• Documents Required: KYC details and photocopy of Aadhaar card.
• Features: Instant approval, Attractive interest rate, Flexible tenure, Multiple repayment options, Digital process.

12. SmartCoin

SmartCoin offers instant personal loans for different purposes like medical emergencies, loans for education, household expenses, home renovation loan, shopping loans, etc. They offer credit to both salaried and self-employed individuals.

• Maximum Loan Amount: Rs 1 lakh
• Minimum Loan Amount: Rs 1000
• Maximum Loan Tenure: 2 to 12 months
• Interest Rate: 30% to 90% (annual)
• Minimum Salary Required: Rs 20000
• Documents Required: Address Proof and ID Proof like PAN and Aadhaar card.
• Features: No Collateral, No pre-closure charges, Flexible repayment options, Minimal paperwork, Digital process.

13. IIFL Loans App

IIFL offers different types of loans like gold loan, personal loan, business loan, and home loans. That’s not all, they also provide other investment and insurance services.

• Maximum Loan Amount: Rs 5000
• Minimum Loan Amount: Rs 5 lakhs
• Maximum Loan Tenure: 3 to 42 months
• Interest Rate: 21% to 30% (annual)
• Minimum Salary Required: Rs 15000 monthly
• Documents Required: Identity proof (PAN), Address proof ( Aadhaar card/Driving license), Bank statement of 6-12 months.
• Features: Paperless application process, affordable interest rate, flexible repayment options, quick approval and disbursal, minimal documentation.

14. Tata Capital Personal Loan App

On Tata capital personal loan app, you can get personal loans, home loans, business loans, vehicle loans, and loan against property, anytime you need!

• Maximum Loan Amount: Rs 35 lakhs
• Minimum Loan Amount: Rs 75000
• Maximum Loan Tenure: 6 years
• Interest Rate: Up to 34.99%
• Minimum Salary Required: Rs 15000 monthly
• Documents Required: KYC documents, Proof of employment, and Income proofs.
• Features: Flexibility of end use of the loan, No collateral, No prepayment charges.

15. mPokket

mPokket is one of the few loan apps of India that gives out small-ticket loans to both salaried individuals and students.

• Maximum Loan Amount: Rs 30000
• Minimum Loan Amount: Rs 500
• Maximum Loan Tenure: 61 days to 120 days
• Interest Rate: up to 4% (per month)
• Minimum Salary Required: Rs 9000 monthly
• Documents Required: College IDs for students, Bank statement, Aadhaar card, Driving license, Voter ID, PAN card, KYC details.
• Features: Flexible repayment options, Reward for on-time repayment, Low processing fees.

16. CASHe

CASHe is a popular loan app in India that provides quick loans to salaried individuals and self-employed professionals.

• Maximum Loan Amount: Rs 4,00,000
• Minimum Loan Amount: Rs 1,000
• Maximum Loan Tenure: 3 months to 12 months
• Interest Rate: up to 2.5% (per month)
• Minimum Salary Required: Rs 15,000 monthly
• Documents Required: Salary slips, Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Instant approval, flexible repayment options, and no hidden charges.

17. Nira Finance

Nira Finance offers personal loans to individuals for various needs, including emergencies and personal expenses.

• Maximum Loan Amount: Rs 1,00,000
• Minimum Loan Amount: Rs 5,000
• Maximum Loan Tenure: 3 months to 12 months
• Interest Rate: up to 2.5% (per month)
• Minimum Salary Required: Rs 12,000 monthly
• Documents Required: Salary slips, Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Fast disbursement, Flexible repayment terms, Personalized loan offers.

18. LoanTap

LoanTap specializes in providing personal loans and flexible repayment plans to meet the needs of salaried individuals.

• Maximum Loan Amount: Rs 10,00,000
• Minimum Loan Amount: Rs 50,000
• Maximum Loan Tenure: 6 months to 5 years
• Interest Rate: up to 2% (per month)
• Minimum Salary Required: Rs 25,000 monthly
• Documents Required: Salary slips, Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Unique repayment options, Prepayment facility, Easy online process.

19. IDFC First Bank

IDFC First Bank offers a variety of personal loans with competitive interest rates to eligible customers.

• Maximum Loan Amount: Rs 25,00,000
• Minimum Loan Amount: Rs 1,00,000
• Maximum Loan Tenure: Up to 5 years
• Interest Rate: starting from 10.5% (per annum)
• Minimum Salary Required: Rs 20,000 monthly
• Documents Required: Salary slips, Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Quick disbursal, No hidden charges, Flexible tenures.

20. ZestMoney

ZestMoney offers instant credit options for consumers purchasing goods and services without upfront payments.

• Maximum Loan Amount: Rs 1,00,000
• Minimum Loan Amount: Rs 5,000
• Maximum Loan Tenure: 3 months to 24 months
• Interest Rate: up to 30% (per annum)
• Minimum Salary Required: Not specified
• Documents Required: Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Easy repayment plans, Instant approval, Zero cost EMI options.

21. True Balance

True Balance is known for offering instant personal loans to individuals without requiring a traditional credit score.

• Maximum Loan Amount: Rs 50,000
• Minimum Loan Amount: Rs 1,000
• Maximum Loan Tenure: 61 days to 180 days
• Interest Rate: up to 3% (per month)
• Minimum Salary Required: Rs 10,000 monthly
• Documents Required: Bank statement, Aadhaar card, PAN card, KYC details.
• Features: User-friendly app, Quick loan approval, Low-interest rates.

22. Buddy Loan

Buddy Loan provides personal loans with a simple and transparent process, catering to a wide range of needs.

• Maximum Loan Amount: Rs 15,00,000
• Minimum Loan Amount: Rs 1,000
• Maximum Loan Tenure: 3 months to 5 years
• Interest Rate: starting from 11% (per annum)
• Minimum Salary Required: Rs 25,000 monthly
• Documents Required: Salary slips, Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Quick processing, Flexible repayment options, No hidden fees.

23. LazyPay

LazyPay is a convenient app that allows users to access instant loans for shopping or personal use with easy repayment.

• Maximum Loan Amount: Rs 1,00,000
• Minimum Loan Amount: Rs 5,000
• Maximum Loan Tenure: 3 months to 12 months
• Interest Rate: up to 3% (per month)
• Minimum Salary Required: Rs 15,000 monthly
• Documents Required: Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Instant credit, Easy repayment plans, Zero-interest offers on specific purchases.

24. SMFG India Credit (formerly Fullerton India)

SMFG India Credit offers personal loans for various purposes, ensuring quick access to funds for customers.

• Maximum Loan Amount: Rs 25,00,000
• Minimum Loan Amount: Rs 50,000
• Maximum Loan Tenure: Up to 5 years
• Interest Rate: starting from 10.99% (per annum)
• Minimum Salary Required: Rs 20,000 monthly
• Documents Required: Salary slips, Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Competitive rates, Quick processing time, Flexible repayment options.

25. Hero FinCorp

Hero FinCorp provides personal loans to individuals with easy eligibility criteria and attractive interest rates.

• Maximum Loan Amount: Rs 15,00,000
• Minimum Loan Amount: Rs 50,000
• Maximum Loan Tenure: Up to 5 years
• Interest Rate: starting from 11.99% (per annum)
• Minimum Salary Required: Rs 20,000 monthly
• Documents Required: Salary slips, Bank statement, Aadhaar card, PAN card, KYC details.
• Features: Quick loan approval, Flexible tenures, Personalized offers.

26. Dhani

Dhani offers personal loans with a fully digital process and no need for physical documentation.

• Maximum Loan Amount: Rs 15,00,000
• Minimum Loan Amount: Rs 1,000
• Maximum Loan Tenure: Up to 5 years
• Interest Rate: Starting from 13% (per annum)
• Minimum Salary Required: Rs 15,000 monthly
• Documents Required: Aadhaar card, PAN card, KYC details
• Features: Instant approval, Flexible repayment options, Dhani Super Saver card benefits

27. IndiaLends

IndiaLends provides loans with competitive interest rates and a user-friendly app interface.

• Maximum Loan Amount: Rs 70,00,000
• Minimum Loan Amount: Rs 10,000
• Maximum Loan Tenure: Up to 5 years
• Interest Rate: Starting from 10.5% (per annum)
• Minimum Salary Required: Rs 15,000 monthly
• Documents Required: Salary slips, Aadhaar card, PAN card, KYC details
• Features: Credit report check, Quick disbursal, Customized offers

28. Home Credit

Home Credit offers easy personal loans with minimal eligibility criteria.

• Maximum Loan Amount: Rs 2,00,000
• Minimum Loan Amount: Rs 10,000
• Maximum Loan Tenure: Up to 4 years
• Interest Rate: Starting from 13% (per annum)
• Minimum Salary Required: Rs 15,000 monthly
• Documents Required: Aadhaar card, PAN card, Salary slips
• Features: Minimal documentation, Quick disbursal, No collateral needed

29. FlexSalary

FlexSalary is a personal loan app providing flexible credit lines for salaried professionals.

• Maximum Loan Amount: Rs 2,00,000
• Minimum Loan Amount: Rs 4,000
• Maximum Loan Tenure: Flexible tenure options
• Interest Rate: Starting from 12% (per annum)
• Minimum Salary Required: Rs 8,000 monthly
• Documents Required: Bank statement, PAN card, KYC details
• Features: Instant credit, No prepayment charges, Flexible EMIs

30. RupeeRedee

RupeeRedee provides instant personal loans with a simple online application process.

• Maximum Loan Amount: Rs 50,000
• Minimum Loan Amount: Rs 2,000
• Maximum Loan Tenure: Up to 12 months
• Interest Rate: Starting from 18% (per annum)
• Minimum Salary Required: Rs 12,000 monthly
• Documents Required: Aadhaar card, PAN card, KYC details
• Features: Quick disbursal, Easy eligibility, Paperless process

31. Credy

Credy offers instant loans for various needs with minimal documentation and quick disbursals.

• Maximum Loan Amount: Rs 1,00,000
• Minimum Loan Amount: Rs 10,000
• Maximum Loan Tenure: Up to 18 months
• Interest Rate: Starting from 12% (per annum)
• Minimum Salary Required: Rs 15,000 monthly
• Documents Required: Aadhaar card, PAN card, Salary slips
• Features: Same-day disbursal, No hidden fees, Easy repayment options

32. Upwards

Upwards provides easy and quick personal loans with transparent terms.

• Maximum Loan Amount: Rs 2,00,000
• Minimum Loan Amount: Rs 10,000
• Maximum Loan Tenure: Up to 3 years
• Interest Rate: Starting from 13% (per annum)
• Minimum Salary Required: Rs 15,000 monthly
• Documents Required: Aadhaar card, PAN card, Bank statement
• Features: Instant loan approval, Transparent terms, Flexible tenures

33. Jupiter Money

Jupiter Money provides personal loans with no hidden charges and easy application processes.

• Maximum Loan Amount: Rs 2,00,000
• Minimum Loan Amount: Rs 10,000
• Maximum Loan Tenure: Up to 24 months
• Interest Rate: Starting from 11% (per annum)
• Minimum Salary Required: Rs 18,000 monthly
• Documents Required: Aadhaar card, PAN card, KYC details
• Features: Instant approval, No hidden fees, Easy repayment

34. Finnable

Finnable offers personal loans for salaried individuals with fast approvals.

• Maximum Loan Amount: Rs 10,00,000
• Minimum Loan Amount: Rs 50,000
• Maximum Loan Tenure: Up to 5 years
• Interest Rate: Starting from 10.5% (per annum)
• Minimum Salary Required: Rs 20,000 monthly
• Documents Required: Salary slips, Aadhaar card, PAN card
• Features: Easy eligibility, Same-day loan approval, No prepayment charges

35. Pocketly

Pocketly is an instant loan app for students and salaried professionals with easy repayment options.

• Maximum Loan Amount: Rs 50,000
• Minimum Loan Amount: Rs 500
• Maximum Loan Tenure: Up to 12 months
• Interest Rate: Starting from 18% (per annum)
• Minimum Salary Required: Rs 12,000 monthly
• Documents Required: Aadhaar card, PAN card, KYC details
• Features: Fast disbursal, No collateral required, Student-friendly loans

Key Factors for Choosing the Fastest Instant Loan App Online

When choosing among the fastest instant loan apps available in the market, there are some important factors you need to consider.

1. Credit Score

Your credit score plays a crucial role in deciding the loan amount you’re approved for. And a good credit score and strong credit profile can help you get cash from the best personal loan app in India.

2. Loan Amount

The best app for personal loan is the one that helps you meet your financial needs. Evaluate your financial requirements and loan amount you need before applying for a personal loan. If you need a big-ticket loan, you can choose to take a loan from a lender who offers a higher amount, but if you need a small-ticket loan, there are many small credit loan app that can help you meet your needs.

3. Type of Loan

The rise of the credit line apps in India has helped millions of Indians meet their diverse financial requirements. Before applying for a personal loan, evaluate why you need it. For example; if you need some cash now but may also have a requirement for it in the future, you can choose a credit line loan app.

4. Lender Reputation

What’s more important than choosing the fastest instant personal loan app in India, is choosing a trusted online loan app. Make sure you choose a lender that follows all the regulatory guidelines of the RBI.

Conclusion

Now that you have a list of the fastest instant personal loan apps in India, you can evaluate your financial requirements and choose an app which fits your needs.

The entry of loan apps has changed the way Indians borrow money.

You don’t have to spend hours completing your application or wait for days just to get an approval anymore.

Borrowing money has now become a matter of just a few taps because instant loans are revolutionizing the experience.

No document uploads, no paperwork. Just submit basic information like your name, income details and PAN to get approval within minutes.