Top 21 Instant Loan Apps in India 2025 | Indiagold
If you need a loan urgently, one of these top 21 instant loan apps may be the answer. These apps offer immediate loans to borrowers, providing them with a quick and hassle-free way to get the funds they need. The convenience of these apps has made them an appealing choice for many in need of fast financial assistance, all from the comfort of their homes.
If you’re looking for some of the best loan apps, look no further!
Here's a look at some popular options available in the market today:
1. Indiagold:
indiagold is an online doorstep gold loan provider app with the lowest interest rate of just 0.77% per month along with 100% insurance on your Gold jewellery. Indiagold offers quick loan approval, which essentially helps you get the amount just within 30* minutes of the loan approval process directly into your bank account. You don't need to visit any branch - a loan manager will visit your home and complete the process in your need of emergency. Indiagold in many people’s opinion is one of the best instant loan app in India, offering quick, easy, and hassle free loans to fulfill one’s needs and cash requirement.
Here are some reasons why a gold loan might be a better option than a personal loan:
Lower interest rates: Gold loans typically have lower interest rates compared to personal loans because they are secured loans. This means that the borrower pledges their gold as collateral, which reduces the lender's risk and allows them to offer lower interest rates
Easier eligibility criteria: Gold loans are easier to obtain as the eligibility criteria are simpler. Since the loan is secured against gold, the lender is more likely to approve the loan even if the borrower has a low credit score or a history of defaulting on loans
Faster disbursal: Gold loans are also disbursed faster than personal loans as the lender only needs to verify the value of the gold being pledged. This makes it an ideal option for those who need funds quickly
Flexibility in repayment: Gold loans offer more flexibility in repayment as the borrower can choose to repay the loan in small amounts over a longer period. Additionally, they can choose to make prepayments or foreclose the loan without any penalty charges
Lower risk of default: Since the loan is secured against gold, the risk of default is lower as the lender can sell the gold in case of non-payment. This reduces the risk for the lender and makes it easier for them to recover the loan amount.
2. Moneyview:
Loans ranging from Rs. 10,000 to Rs. 5 lakh are provided by Moneyview, an app-based lender. Moneyview is often regarded as a great online instant personal loan app in India. With a minimum required CIBIL score of 650, they provide instant approval and fund disbursement.
3. EarlySalary:
EarlySalary, another app-based lender, provides instant loans to those with a salary. They extend loans from Rs. 5,000 to Rs. 5 lakh and demand a minimum CIBIL score of 575. It consistently ranks high among the personal loan apps online.
4. CASHe:
A digital lending platform, CASHe offers loans that vary between Rs. 10,000 and Rs. 2 lakh. Getting a loan from this online loan app is pretty easy and convenient. A minimum CIBIL score of 600 is required, and they grant instant approval and fund disbursement.
5. FlexSalary:
Operating as a digital lending platform, FlexSalary grants loans from Rs. 4,000 to Rs. 2 lakh. With a minimum CIBIL score of 575, they ensure instant approval and distribution of funds. FlexSalary is among the few app for loan which provides seamless onboarding and quick disbursal even with a slightly less credit score.
6. KreditBee:
KreditBee is a popular digital lending platform that offers loans ranging from Rs. 1,000 to Rs. 2 lakh. They require a minimum CIBIL score of 600 and offer instant approval and disbursement of funds. This lending app is often regarded as one of the leading lending platforms for fast loan disbursal and seamless application process.
7. MoneyTap:
MoneyTap is a digital lending platform that offers loans ranging from Rs. 3,000 to Rs. 5 lakh. They require a minimum CIBIL score of 600 and offer instant approval and disbursement of funds. Money tap is one of the highly rated lending apps for quick loan disbursal for a suite of lending products.
8. NIRA:
NIRA is a digital lending platform that offers loans ranging from Rs. 5,000 to Rs. 1 lakh. They require a minimum CIBIL score of 681 and offer instant approval and disbursement of funds. Nira is a perfect digital loan app if the requirement is of a lower amount, making it a go to platform for the masses.
9. PaySense:
PaySense is a digital lending platform that offers loans ranging from Rs. 5,000 to Rs. 5 lakh. They require a minimum CIBIL score of 650 and offer instant approval and disbursement of funds. The reason why PaySense consistently ranks among the top loan apps is that it offers loans for a broad range of audience. Irrespective of the size of requirement, PaySense should be able to fulfill.
10. StashFin:
StashFin is a digital lending platform that offers loans ranging from Rs. 500 to Rs. 5 lakh. They require a minimum CIBIL score of 550 and offer instant approval and disbursement of funds. The quick documentation, application, and disbursement process is why StashFin is among the best instant personal loan apps in the market.
11. Rupeeredee:
Rupeeredee is a digital lending platform that offers loans ranging from Rs. 5,000 to Rs. 5 lakh. They require a minimum CIBIL score of 550 and offer instant approval and disbursement of funds. The app offers high convenience, and easy loan application process to the applicants making it an attractive option for the applicants.
12. LoanTap:
LoanTap is a digital lending platform that offers loans ranging from Rs. 50,000 to Rs. 10 lakh. They require a minimum CIBIL score of 600 and offer instant approval and disbursement of funds. The minimum CIBIL requirement of 600 points is a wonder for many who may not have a perfect score, but in a desperate need of a loan.
13. Money in Minutes:
As a digital lending platform, Money in Minutes provides loans from Rs. 1,000 to Rs. 50,000. A minimum CIBIL score of 500 is required, with instant approval and fund disbursement available. The platform is great, the standout feature being the ability to serve the demography that most lenders do not serve, i.e. a variety of customers having borrowing needs ranging from INR 1,000 to INR 50,000.
14. AnyTimeLoan:
AnyTimeLoan, another digital lending platform, extends loans ranging between Rs. 1,000 and Rs. 5 lakh. They need a minimum CIBIL score of 600 and offer immediate approval and disbursement of funds. The flexibility in terms of the borrowing amount is what makes this app standout from the competition.
15. Home Credit:
Home Credit, a digital lender, offers loans that vary from Rs. 10,000 to Rs. 50,000. Instant approval and fund disbursement are ensured with a minimum CIBIL score of 650. The app offers instant loan services to borrowers with a smaller borrowing requirement with unmatched ease, which makes it a desirable option for many.
16. MoneyOnClick:
MoneyOnClick, as a digital lending platform, provides loans within the range of Rs. 3,000 to Rs. 1 lakh. A minimum CIBIL score of 650 is required, and instant approval and disbursement are available. The ability to serve customers with borrowing needs ranging between Rs. 3000 and Rs. 1 lakh is what makes it one of the best personal loan apps in the market.
17. Finomena:
Finomena offers loans from Rs. 5,000 to Rs. 5 lakh through their digital lending platform. They demand a minimum CIBIL score of 600 and guarantee instant approval and fund disbursement. With relatively low minimum credit score requirements, and quick funds on offer, Finomena is quickly disrupting the market.
18. BuddyLoan:
BuddyLoan, a digital lending platform, facilitates loans that range from Rs. 10,000 to Rs. 15 lakh. They mandate a minimum CIBIL score of 600 and ensure instant approval and disbursement of funds. With maximum loan ceiling as high as INR 15 lakhs, BuddyLoan is one of the very few online lending platforms offering a proposition with instant loan for a high amount for the borrowers.
19. LoanAdda:
LoanAdda is a digital lending platform that offers loans ranging from Rs. 10,000 to Rs. 10 lakh. They require a minimum CIBIL score of 600 and offer instant approval and disbursement of funds. LoanAdda offers a relatively high amount compared to its competitors, this coupled with the fact that the customers can enjoy instant loan application is what makes it an option worth exploring for the borrowers.
20. Qbera:
Qbera is a digital lending platform that offers loans ranging from Rs. 25,000 to Rs. 15 lakh. They require a minimum CIBIL score of 575 and offer instant approval and disbursement of funds. With such a low minimum CIBIL score requirement in place and the platform's ability to give loans for as high as INR 15 lakhs, Qbera is poised to fare well in the lending space, as the customers quickly flock to the platform to fulfill their borrowing needs.
21. LoanFront:
LoanFront is a digital lending platform that offers loans ranging from Rs. 50,000 to Rs. 10 lakh. They require a minimum CIBIL score of 600 and offer instant approval and disbursement of funds.
It's important to note that these lenders typically charge higher interest rates compared to traditional lenders, so it's important to read the terms and conditions carefully before applying for a personal loan without CIBIL.
Additionally, borrowing from multiple lenders can negatively impact your credit score, so it's important to borrow only what you need and can repay on time
Conclusion
The article mentions some of the top instant loan apps in India for 2025 that offer easy and convenient access to money for urgent requirements. Indiagold is one of the best, and it offers gold loans with a very low rate of interest of just 0.77% per month. The best part about Indiagold is that you don't need to visit a bank or branch. A loan officer will come to your house, value your gold, and sanction and disburse the loan within 30 minutes. Gold loans also charge less interest and are easier to get, especially if you have a bad credit score.
Moneyview is the other great choice and offers personal loans ranging from Rs. 10,000 to Rs. 5 lakh. If your CIBIL is 650 and above, you get immediate approval and money credited to your account. Other than these, there are only a few other apps like EarlySalary, CASHe, and MoneyTap which provide instant loans but the minimum CIBIL marks and the loan amounts might differ. Even though the apps are perfect for instant money, we have to keep in mind that their rate of interest is higher compared to bank loans. The borrowers must carefully read the terms and conditions first and then apply to ensure timely payment so that their credit score is not affected. The apps must be utilized for emergency needs but wisely.
