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Get instant personal loans up to ₹5 lakhs directly on your phone. Quick approval in 5-10 mins, minimal KYC, no collateral. Compare top apps like MoneyTap, KreditBee, Navi, Fibe, PaySense by rates (12-36% p.a.), limits & user ratings.
Instant loan apps are mobile-first digital lending platforms offering quick personal loans via app. Upload PAN/Aadhaar, get credit limit instantly, borrow anytime up to limit. Ideal for urgent cash needs like emergencies, bills or shopping.
Lightning fast
Loan limits
p.a.
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| App | Interest Rate | Max Amount | Approval Time | Play Store Rating |
|---|---|---|---|---|
| MoneyTap | 1.2% pm (14.4% p.a.) | ₹5 Lakhs | 10 mins | 4.5 ⭐ |
| KreditBee | 15-29% p.a. | ₹4 Lakhs | 5 mins | 4.4 ⭐ |
| Navi | 12-36% p.a. | ₹2 Lakhs | Instant | 4.6 ⭐ |
| Fibe (EarlySalary) | 15-30% p.a. | ₹5 Lakhs | 2 mins | 4.3 ⭐ |
| PaySense (PayU) | 16-36% p.a. | ₹5 Lakhs | 30 mins | 4.2 ⭐ |
*Rates as of Nov 2025. Vary by profile. Check app for latest. All RBI-regulated.
Compare apps, calculate costs & apply securely. Quick & safe!
Yes, choose RBI-regulated apps like MoneyTap, KreditBee. Check reviews & privacy policy.
Typically 650+, but some approve 600+ with good income. Higher score = better rates/limits.
Many apps approve based on bank statements & CIBIL alone. ITR for self-employed.