In today’s digital world, getting a personal loan is just a few taps away. Personal loan apps in India have revolutionized the way people borrow money by offering quick approvals, minimum documentation, and low-interest rates. Whether it’s for a medical emergency, wedding, travel, or education, these apps provide instant financial support right from your smartphone.
Here’s a curated list of the top 10 best personal loan apps in India you can trust in 2025:
1. PaySense
- Loan Amount: ₹5,000 – ₹5 lakhs
- Interest Rate: Starting from 1.4% per month
- Approval Time: Within 24 hours
PaySense is known for its user-friendly interface and quick disbursal process. It caters to both salaried and self-employed individuals.
2. Navi
- Loan Amount: ₹10,000 – ₹20 lakhs
- Interest Rate: Starting at 9.9% p.a.
- Approval Time: Instant approval
Navi offers fully digital loans with flexible EMIs and no physical paperwork.
3. MoneyTap
- Loan Type: Credit Line
- Loan Limit: Up to ₹5 lakhs
- Interest Rate: Starts from 13% p.a.
MoneyTap offers a personal line of credit—you pay interest only on the amount used.
4. CASHe
- Loan Amount: ₹7,000 – ₹4 lakhs
- Interest Rate: 2% – 3% per month
- Repayment: 3 to 12 months
Ideal for salaried millennials, CASHe checks social credit scores along with financial data.
5. KreditBee
- Loan Amount: ₹1,000 – ₹2 lakhs
- Interest Rate: Starting at 1.02% per month
Best for first-time borrowers with quick disbursal and flexible tenure.
6. Dhani
- Loan Amount: ₹1,000 – ₹15 lakhs
- Features: No documents needed, Instant approval
You can also get a Dhani Rupay card to use the approved loan as a credit card.
7. MoneyView
- Loan Amount: ₹5,000 – ₹5 lakhs
- Interest Rate: From 1.33% per month
Known for its fast process and AI-based credit assessment even for low credit scores.
8. LazyPay
- Loan Amount: ₹10,000 – ₹1 lakh
- Type: Instant credit line and EMI loans
LazyPay offers instant checkout credit on partner apps and quick personal loans.
9. IndiaLends
- Loan Amount: ₹25,000 – ₹50 lakhs
- Interest Rate: Competitive rates from 10.5%
IndiaLends acts as a platform that connects you with multiple lenders based on your profile.
10. EarlySalary (now Fibe)
- Loan Amount: ₹8,000 – ₹5 lakhs
- Features: Salary advance, education, and shopping loans
Fibe is great for young professionals and also offers Buy Now, Pay Later (BNPL) options.
Final Thoughts
These top personal loan apps in India make borrowing easier, faster, and more transparent. Before applying, compare interest rates, processing fees, and eligibility criteria. Always borrow responsibly and repay on time to maintain a healthy credit score.