A personal loan is a boon for borrowers as people can use it in an emergency or when they have a shortage of funds. Borrowing money is no longer frowned upon. Young Indians have taken out loans for a variety of purposes, including to study abroad, finance a trip, upgrade their house, buy a car, and even organise their wedding! Many firms have begun to provide cash in order to meet this growing need, and money lending apps in India have grown in popularity as a result of the numerous advantages they offer.

1. Omozing

Omozing helps make Smart Money Moves for a Lifetime. They strive to get lowest interest rates and best terms for your Online Applications at www.Omozing.com . Unsecured Personal Loan Interest Rates starting from 0.8% p.m, and Loan amount ranging from INR 10,000 to INR 15,00,000. The Minimum and maximum repayment period ranges from 1 month to 48 months.  CIBIL 600+ all company categories (including LLP, Self Employed, Proprietorship)

Omozing We’ve made business lending smarter, faster and easier by transforming the approval process from stumbling blocks to stepping-stones. This enables borrowers to not just get access to capital, but also understand what areas they need to work on in order to enhance their credit profile. Omozing ensures that Borrowers get a secure, safe and reliable application process that be tracked online.


If you are looking for a good significant amount of cash, this is the loan app you should download and use. The process is relatively simple to follow, and you can get your loan amount approved within a few minutes. The repayment process is also flexible, and you are allowed to pay off the loan in easy EMIs within 1 to 5 years. 

The company also offers a few benefits to their existing customers by letting them have access to loan account details, statement details, outstanding balance, payment dates, and also for raising service requests.

3. Fullerton India

Fullerton India InstaLoan offers a quick and convenient way to apply for a personal loan for salaried and self-employed professionals. It is one of the best loan apps for the self-employed. The personal loan app claims to disburse a loan within 30 minutes of loan approval. 

The app features a hassle-free documentation process where only your basic information is required. Also, you can dynamically track the status of your loan.

4. Bajaj Finserv

Bajaj Finserv offers personal loans that are instantly approved and disbursed within just 24 hours. These collateral-free loans are offered to women, government and public sector unit (PSU) employees, schoolteachers, college professors and more. The personal loans are offered with a feature to reduce your instalment by up to 45% by paying interest-only EMIs. Once approved, you borrow as much as you need from your approved loan amount without the hassle of reapplying for the loan.

5. Capital First Limited

Capital First’s instant loan app in India is a one-stop solution for most of your financing needs. Your online loan application is sanctioned within 2 minutes. The company provides flexible repayment tenure of 1 to 5 years for a loan amount ranging from ₹ 1 Lakh to ₹ 25 Lakh. If you are an existing customer, you can easily access your loan account details, statement details and raise service requests. You can also check your outstanding balance and your payment dates.

6. Dhani

Dhani popularly marketed as phone se loan app, instantly disburses the loan amount to your bank account. You can apply for a personal loan anytime, anywhere. You can get a loan of up to ₹ 15 Lakh instantly at an interest rate starting at 12%. You can download the Dhani loan app for free, enter your Adhaar card number, your loan amount, and get the loan amount in your account instantly.

7. India Lends

IndiaLends is one of the cash loan apps in India for instant personal loans, credit cards, and free credit reports.IndiaLends offers instant personal loans online with the best interest rate and disburses the loan within 48-hours. IndiaLends’ instant loan app in India extensively makes use of data and technology to improve workflows and risk assessments so that the loan disbursal process is efficient, shorter and easier.

8. MoneyTap

MoneyTap has partnered with the leading NBFCs in the country, and it currently serves Bangalore, NCR, Mumbai, Hyderabad, etc. cities in India. However, you need to earn a minimum of ₹30,000 a month to qualify for a loan.  

MoneyTap has a unique feature called “no-usage-no-interest,” which makes it stand out from other apps. This simply means that you are charged interest only on the amount of money used. All you need to do is download the app and upload the necessary documents. Once you get the approval, you are given a credit line, which you can use according to your needs. 

9. FlexSalary

FlexSalary is an instant loan app in India that has been designed especially for salaried individuals. Based in Hyderabad, this online loan lending platform is an excellent help to salaried individuals who need urgent cash during times of crisis. 

In addition to a one-time approval process, FlexSalary has instant disbursals and gives its borrowers the option to access their credit anytime. Borrowers are also allowed to decide the loan tenure and repay the amount flexibly. It works as an advanced salary app with no fixed EMI for borrowers. All you need to do is sign up on the app, upload the required documents, and the loan is transferred to your account upon approval. 

10. LoanTap

Among the many instant loan apps in India, this is one of the popular ones in the market. With the tagline “Bringing Dreams to Life,” LoanTap offers customized loans to their borrowers. 

Their products include lifestyle and celebration loans, two-wheeler loans, home loans, flexible personal loans, and lower installment loans. The documentation process is simple and requires minimal documents. The repayment options are also many they offer accelerated payment options and bullet repayment to principal outstanding.

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