Are you like me Looking for the Best Loan apps in India that Provide instant fund in just 10 Minutes? Personal Loans can help you Quickly address a sudden financial emergency, Like Purchasing a digital device of your choice or Quickly fund a Financial Emergency Without dipping into your Saving. But its Not as Easy as it sound.
In this Post we Selected the 30 Top-rated Loan apps in India (2026) Based on basic Factors like loan user Reviews, Google Play Store Rating, the Loan app Interest Rate, and ease of daily use. Take a look at the instant loan apps with the Highest user ratings in 2026 and well Select the instant Mobile apps that best suit your loan need, Providing Easy Loan approval in just a Few Minute and Transferring fund to Your bank Account in the shortest Possible Time.
List of Instant Personal Loan Apps in India 2026
| SL. No. | Loan Apps | Interest Rate | Loan Amount | Repayment Period | Play Store Rating |
|---|---|---|---|---|---|
| 1 | Bajaj Finserv | 16% - 31% p.a. | Up to ₹15,50,000 | 6 to 63 months | 4.8 |
| 2 | Moneyview | 17% - 45% p.a. | ₹5,000 to ₹10 Lakh | 3 to 60 months | 4.8 |
| 3 | Olyv (SmartCoin) | 1.5% per month onwards | ₹1,000 to ₹5 Lakh | 2 to 24 months | 4.6 |
| 4 | Kissht | 14% p.a. onwards | Up to ₹5 Lakh | 3 to 60 months | 4.6 |
| 5 | Buddy Loan | 11.99% p.a. onwards | ₹10,000 to ₹15 Lakh | 6 to 60 months | 4.5 |
| 6 | KreditBee | 12.00% - 28.50% p.a. | ₹6,000 to ₹10 Lakh | 6 to 60 months | 3.6 |
| 7 | Fibe (Formerly EarlySalary) | 18% p.a. onwards | ₹20,000 to ₹5 Lakh | 6 to 36 months | 4.5 |
| 8 | LazyPay | 12% to 36% p.a. | ₹3,000 to ₹5 Lakh | 3 to 24 months | 4.4 |
| 9 | CASHe | 2.79% to 3.00% per month | ₹45,000 to ₹3 Lakh | 2 to 18 months | 2.8 |
| 10 | mPokket | 2% to 3.50% per month | ₹1,000 to ₹50,000 | 6 to 12 months | 4.6 |
| 11 | ZestMoney | 14% p.a. onwards | Up to ₹5 Lakh | 3 to 36 months | 4.4 |
| 12 | True Balance | 2.40% p.m. onwards | ₹5,000 to ₹2 Lakh | 6 to 12 months | 4.0 |
| 13 | Home Credit | 1.60% p.m. onwards | ₹10,000 to ₹4.8 Lakh | 9 to 60 months | 4.5 |
| 14 | FlexSalary | 18.00% to 36.50% p.a. | Up to ₹3 Lakh | Up to 36 months | 4.5 |
| 15 | Navi Finserv | Up to 26% p.a. | Up to ₹20 Lakh | Up to 84 months | 4.5 |
| 16 | Creditt+ | Start from 0.3% daily | ₹10,000 to ₹35,000 | Up to 90 days | Currently not available on the Play Store |
| 17 | Lendingplate - Personal Loan App | 12% to 24% p.a. | ₹5,000 to ₹2,50,000 | 3 to 15 months | 4.3 |
| 18 | Finnable | 16.00% to 35.99% p.a. | ₹50,000 to ₹10 Lakh | 6 to 60 months | 4.2 |
| 19 | Freo (Formerly MoneyTap) | 12% to 36% p.a. | ₹3,000 to ₹5 Lakh | 3 to 36 months | 4.2 |
| 20 | Pocketly | 1% to 2% per month | Up to ₹50,000 | 2 to 6 months | 4.0 |
| 21 | IndiaLends | 10.25% onwards | Up to ₹25 Lakh | 1 to 5 years | 4.2 |
| 22 | Hero FinCorp | 19% p.a. onwards | Up to ₹5 Lakh | 12 to 36 months | 4.0 |
| 23 | StashFin | 21% to 45% p.a. | ₹1,000 - ₹5 Lakh | 12 - 36 months | 4.3 |
| 24 | Lenditt: Personal Loan App | 28% to 36.50% p.a. | ₹10,000 to ₹3 Lakh | Up to 365 days | 4.0 |
| 25 | Payme India | 1.50% p.m. onwards | Up to ₹10 Lakh | 3 to 24 months | 3.6 |
| 26 | Dhani | 12.65% p.a. onwards | ₹50,000 to ₹15 Lakh | 12 to 84 months | 3.3 |
| 27 | LoanTap | 16% to 24% | ₹50,000 to ₹10 Lakh | 6 to 60 months | 3.0 |
| 28 | RupeeRedee | 30% to 36% p.a. | ₹2,000 - ₹1,50,000 | 3 to 12 months | 4.5 |
| 29 | SMFG India Credit | 8% to24% p.a. | ₹10,000 to ₹30 Lakh | 6 to 36 months | 2.1 |
| 30 | PaySense | 14% to 36% p.a. | ₹5,000 to ₹5 Lakh | 3 to 60 months | 2.9 |
Also Read: Best Mobile App for Business Loan in India 2025
Features and Benefits of the Best Instant Loan Apps in India in 2026
The Following Post Detail the feature and benefit of India top Loan apps, including The Loan Amount, Interest Rate, Loan time duration, and Penalty for not paying EMI on Time.
Note: If you apply for a loan Through Any instant loan app, the Loan amount may be More or Less Depending on Your Credit Score.
1. Money View Loan App
If I Were to discuss the best instant loan apps for 2025 to 2026, the Money View Loan App has emerged As the leader. With this app, you can apply for personal Loan, insurance, Credit card, Gold SIP investment, Business Loan and Home loan, all from the comfort of your home, in just 10 Minute.
MoneyView has become the Most popular Loan app in India, with a 4.8-rated rating on the Google Play Store. It offer its Customer excellent loan deals and offers.
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If your loan application is approved on the MoneyView App, in most cases, your loan funds are transferred to your bank account within approximately 24 hour.
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You can check your loan Eligibility from the Comfort of your home, anywhere in the Country, in just 2 minute.
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You need very little documentation when applying for a loan.
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With the MoneyView app, you can avail loan Ranging from ₹5,000 to ₹10 Lakh Without Income Proof.
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Interest rates start at just 17% Per Annum, and you have up to 60 Month to Repay The Loan.
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MoneyView lending partner banks and NBFCs do not require any collateral, and you can pay your EMI Seamlessly through auto-debit.
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MoneyView has over 15 Lending Partner bank and NBFC, So you can get a loan even if you have a Low Credit Score.
2. Navi Loan App
The Navi Loan App has become incredibly popular these day. If I were to talk about the best instant loan apps for 2025 and 2026, the Navi Loan App has become a financial Power-house. Currently, you can apply for services Like Personal Loan, UPI, Mutual Funds, Health insurance, ay letter, and home Loan from the comfort of your home in just a 5 Minutes.
With a 4.5 rating on the Google Play Store, the Navi Loan App has become one of the most Popular in India.
The Navi App offer Low-interest and Fast Disbursal of Paperless Personal Loan.
A digital lending app that offers online instant Loan, the Navi App has become one of the top lenders in the Market today. Loan are approved in just a Few minutes and Funds are Transferred to your Bank account in just Five minutes.
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Read on to learn about the Navi App Feature and Benefits.
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The Navi App offer personal loans up to ₹20 Lakh.
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You have flexible EMI options for up to 84 months to repay this loan.
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Interest rates on Navi personal loans can be up to 26% Per Annum.
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The Entire Process of obtaining a Personal Loan from Navi is 100% Digital and available from the Comfort of your Home.
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If you Receive Loan Approval through the Navi App, the Loan amount is Credited to Your bank Account Within Minute.
3. KreditBee Loan App
The KreditBee Loan App is ideal for both salaried individual and self-Employed individual. If you suddenly need Money, the KreditBee Loan App can Meet your immediate Financial needs.
The KreditBee App offer Various Types of Loan, including Personal Loan, Loan Against Property, busines Loan, and two-wheeler Loan. Initially, the KreditBee Loan App offers small loans, perfect for emergencies or small expenses.
Some of the Feature and Benefit of the KreditBee Loan App are:
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With the KreditBee Loan App, you can avail a Personal Loan from ₹6,000 to ₹10 lakh From the Comfort of your home. The best part is that the loan amount is instantly Transferred to your Bank account.
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The KreditBee loan app promises to Transfer your Loan amount to Your bank account in Just 10 Minute.
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The interest rate on this loan app can range from 12% to 28.5% per Annum. The loan interest rate can Vary Depending on the Borrower Credit history and other Factor.
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You have a Repayment Period of 6 Month to 60 months.
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If you Want to take a Loan from the KreditBee Loan app, your Monthly income must be at Least ₹10,000.
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The entire Loan Process is 100% digital, No physical documents are Required.
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