Top 10 Instant loan app in India 2022 | Best personal loan app 2023

आज हम बात करेंगे भारत की सबसे लोकप्रिय एप्लीकेशन ओं की जो कि आपको इंस्टेंट लोन उपलब्ध कराती है कौन सा लोन कितने राशि तक आपको लोन उपलब्ध कराता है यह सारी जानकारी क्योंकि सारे एप्लीकेशन अलग-अलग राशि अलग-अलग समय के लिए उपलब्ध कराते हैं यहां तक कि उन लोगों की इंटरेस्ट रेट भी अलग होते हैं जानते हैं ऐसे एप्लीकेशन ओं के बारे में ।

Instant loan apps in hindi

  4. NIRA
  7. CASHe

Kreditbee Loan की जानकारी |  Personal loan details

Loan amount: From ₹1,000 to ₹200,000
Interest rates: From 0% to 29.95% per annum
Tenure: 62 days to 15 months

Personal Loan for Salaried – see example

Loan amount: ₹ 50,000
Tenure: 12 months
Interest Rate: 20% per annum
Processing Fee: ₹ 1,250 (2.5%)
New customer onboarding Fee: ₹ 200
GST on Processing and Onboarding Fees: ₹ 261
Total Interest: ₹ 5,581
EMI: ₹ 4,632
APR: 23.2%
Loan amount is ₹ 50,000. Disbursed amount is ₹ 48,289.
Total loan repayment amount is ₹ 55,581.


1. Applicant should be an Indian resident
2. Above the age of 21 years
3. Should have monthly source of income

Cashbean – Personal Loan by PC Financial | Cashbean loan details 2022

Loan Amount: from Rs 1,500 to Rs 60,000;
Loan Tenure: from 3 to 6 months;
Interest Rate: 0.07% per day (25.55% per annum);
Processing Fee: Ranges from Rs 90 ~ Rs 2,000 for one-time charge, which depends on the loan amount and the application details;
GST: 18% of the Processing Fee in accordance with the policy and laws of India;
APR: Up to 74.2% (Annual Percentage Rate including Interest, Processing Fee and GST)


For a 6-month loan of ₹10,000 for 180 days with interest rate @25.55% per annum,
Interest = ₹10,000 * 25.55% / 365 * 180 = ₹1,260;
Processing Fee = ₹620;
GST = ₹620 * 18% = ₹111.6;
The total amount to be paid = Loan Amount + Interest + Processing Fee + GST = ₹10,000 + ₹1,260 + ₹620 + ₹111.6 = ₹11,991.6;
APR = (₹11,991.6 – ₹10,000) / ₹10,000 / 180 * 365 = 40.39%

1. Indian Resident
2. 18-56 years old
3. Source of a monthly income

Money Tap -Credit Line & Loan details

Salaried employees only. Minimum salary = ₹30,000 per month.

● Borrow any amount/sum of money (starting at ₹3000) from your approved Credit Line (of up to ₹5 Lakh)
● Pay interest only on the amount you use
● Instant personal loan without any risk
● Make UPI transactions from your credit line
● Fully digital, paperless experience
● Select your own flexible EMIs & pay later
● Simple app for money credit & quicker than any Indian bank


● Aadhaar number
● Identity proof (Driving licence/Voter ID/Passport/Aadhaar/PAN)
● Address proof (Driving licence/Voter ID/Passport/Aadhaar/Utility bills/bank statements)
● Original passport photo/selfie
● You can get a personal loan online on your Aadhaar card. E-sign your application with registered

NIRA – Loan App for Instant Personal Loan Online 2022

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: 90 days, Maximum repayment period: 24 months
Processing Fees: Max (₹350 + GST, Up to 2%-7% of loan amount plus GST)
Prepayment Fees: 3.0% prepayment amount
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. Your bank may also levy charges in case of a bounce.

Eligibility Criteria:

1. Salaried with min income of Rs.12,000 per month
2. Age between 22-59 year

HomeCredit–Personal Loan Details, Ujjwal Card EMI Solution 2021

● Loan Amount: ₹10,000 to ₹2,40,000
● Minimum Annual Percentage Rate (APR): 19%, Maximum APR: 56%
● Minimum repayment period: 6 months, Maximum repayment period: 51 months
● Processing Fees: 0% to 5%
● If customers opt for a Value-Added Service, the fee for the same shall be levied additionally

Eligibility & Documents Required

1. You should be an Indian
2. Your Age requirements :
● Existing Home Credit Customers: 19 – 69 years
● New to Home Credit: 19 – 68 years
● Ujjwal Card EMI Solution: 18 – 65 years
3. Should have a PAN Card as valid ID Proof and Indian citizenship residential address proof
4. Should have an active bank account (for the amount disbursal)
5. Should be salaried, self-employed or pensioner

IndiaLends – Instant Personal Loan Details & Credit Cards 2022

Get personalized personal loan offers up to ₹50 lacs at interest rates starting 10.75% for a tenure ranging from 1 year to 5 years. The app selects the best suitable Banks/NBFCs offering minimal interest rate and easy approval based on your personal loan eligibility. IndiaLends has associations with over 50+ banks and NBFCs including HDFC Bank, SBI, ICICI Bank, Yes Bank, Bajaj Finserv, IDFC First Bank, IIFL, Clix Capital, Paysense, DMI, Citibank, Tata Capital, IndusInd Bank, RBL, Capital First Limited, Fullerton India, Aditya Birla Finance Limited, Axis Bank, CASHe, Credit Sudhaar, etc.

Personal Loan Eligibility

Age – 18/21 years – 60/65 years
Employment Type – Salaried/Self-Employed
Minimum Net Income (monthly) – ₹15,000
Work Experience – Salaried for at least 6/12 months or Self-Employed for at least 3 years
Tenure: (Min) 3 to (Max) 60 months
Interest Rate ranging from 10.75% to 25% depending on customer’s credit and risk profile

CASHe -Personal Loan AppDetails : Cash Loan, Loan App 2022

The CASHe personal loan app reduces paperwork eliminating human intervention. Apply for personal loan in minutes and get personal loan from ₹7,000 to ₹4,00,000 using the CASHe app

Personal Loan Eligibility:

● Personal loan for salaried professionals only
● Minimum net take-home monthly salary: ₹ 20,000
● Above 21 years of age
● Salary through direct bank transfer only

CASHe Loan Documents required to apply for a loan:

● Selfie
● PAN card
● ID Proof (Any 1 – Driving License/Voter ID/Passport/Aadhaar Card)
● Address proof (Any 1 – Driving License/Voter ID/Passport/Aadhaar Card/Utility Bills)
● 3 month bank statements with salary credit
● Aadhaar card (Optional; Aadhaar details quicken loan application process)

PaySense: Personal Loan App Details , Apply Online 2022

PaySense provides personal loans from ₹5,000 to ₹5,00,000 with an Annual Percentage Rate (APR) between 16% to 36% on a reducing balance basis.

Paysense loan Personal Loan Eligibility Criteria

● You must be a resident of India
● Your age must be between 21 and 60 years
● Your net monthly take-home salary should be more than ₹20,000 for Mumbai and Delhi based users.
● Your net monthly take-home salary should be more than ₹18,000 for other locations.

Smart Coin – Instant Personal Loan App Details , Quick Loan 2022

Personal Loans range from ₹4,000 to ₹ 1 Lakh
Tenure: 62days to 1year. Interest rates range from 0%-30% depending on the risk profile of the customer and product availed.

Amount, Tenure, Fees & Charges
Instant Loan amounts range from ₹4,000 to ₹1 Lakh, Tenure: 62 days-180days. Interest rates range from 0%-30% depending on the risk profile which is equivalent to a monthly interest rate of 0%-2.5% only. There is a small processing fee that is charged for loans e.g. for low-risk customers 0%-2.5% of the principal, for very high-risk customers 4%-7%*. The charges and repayment tenures vary based on the creditworthiness and repayment ability of the customers.

Smart coin loan address and contact email

Contact Us :
Feedback email:
Regarding Repayments etc, email

MONEY VIEW -Personal Loan App, Instant Loan Details 2022

Loan Amount: From ₹10,000 to ₹5,00,000
Repayment Duration: From 3 months to 5 years
Annual Interest Rate: From 16% – 39%*
Processing Fees: From 2% – 8%*

On our Instant Paperless Loan app, you can borrow any amount starting from ₹10,000 up to ₹5 Lakhs! 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.


What makes Money View Loans the best loan app in India is our proprietary credit model that allows us to look beyond your credit score or history & understand your financial profile better. This, in turn, leads us to give you the best personal loan offer.


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