Updated 12 October 2026. Every app below was checked against RBI’s list of Digital Lending Apps (5 October 2026) and its official Google Play listing.

Short answer: No app guarantees a loan with a low CIBIL score, and lenders do not publish a minimum score. What you can check is whether an app works for an RBI-regulated lender, and what it discloses about cost. Below are 105 instant personal loan apps that are on RBI’s list, live on Google Play with at least 1 lakh installs, and disclose their terms. Short-tenure apps cost far more than the rest, so compare the APR before you apply.

This page replaces our 2022 list. Apps, lenders and rates have changed a lot since then.

What a “low credit score” means to a lender

Many lenders treat a CIBIL score below about 650 as risky, and many below 700 as borderline. But the score is only one input. Lenders also look at:

So if your score is low, apply to one app at a time, for the amount you actually need, and fix any errors on your report first.

Instant loan apps with longer repayment terms (56 apps)

These apps disclose repayment terms of six months or more, and most disclose APRs that start between about 10% and 30% a year, with upper limits that often reach 45% to 50% or more. Sorted by Play Store installs. Names in blue open our detailed guide.

AppRBI-regulated lender(s)Play installs (rating)Loan amountRepayment termAPR in Play listing
MoneyviewAditya Birla Capital Ltd, Cholamandalam Investment And Finance Company Ltd and 14 more10 crore+ (4.8★)₹5,000 to ₹10 lakh90 days to 60 months17% to 45%
Bajaj FinanceBajaj Finance Ltd10 crore+ (4.7★)₹40,000 to ₹55 lakh12 to 108 monthsNot stated
KreditBeeAditya Birla Capital Ltd, Cholamandalam Investment And Finance Company Ltd and 11 more10 crore+ (4.6★)₹6,000 to ₹10 lakh6 to 60 months17% to 50%
KisshtAditya Birla Capital Ltd, Mas Financial Services Ltd and 5 more5 crore+ (4.9★)₹10,000 to ₹5 lakh6 to 60 months17% to 45%
Ring (by Kissht)Aditya Birla Capital Ltd, Mas Financial Services Ltd and 7 more5 crore+ (4.9★)₹5,000 to ₹5 lakh6 to 60 months17% to 45%
BranchHari And Company Investments Madras Pvt. Ltd, Northern Arc Capital Ltd and 1 more5 crore+ (4.6★)–120 days to 24 months20% to 50%
mPokketMpokket Financial Services Pvt. Ltd5 crore+ (4.6★)––25.5% to 57.8%
True BalanceGrow Money Capital Pvt. Ltd, Hari And Company Investments Madras Pvt. Ltd and 5 more5 crore+ (4.6★)₹1,000 to ₹2 lakh6 to 48 months28.8% to 78%
True CreditsIncred Financial Services Ltd5 crore+ (4.6★)₹1,000 to ₹2 lakh6 to 48 months28.8% to 78%
DhaniDhani Loans And Services Ltd5 crore+ (3.3★)₹50,000 to ₹15 lakh12 to 84 months20% to 40%
FlexSalaryVivifi India Finance (P) Ltd1 crore+ (4.7★)––20% to 70%
Olyv (SmartCoin)Hari And Company Investments Madras Pvt. Ltd, Payu Finance India Pvt. Ltd and 1 more1 crore+ (4.7★)––28.6% to 90%
L&T Finance PLANETL&T Finance Ltd1 crore+ (4.7★)–12 to 72 months11% to 26%
FibeCholamandalam Investment And Finance Company Ltd, Earlysalary Services Pvt. Ltd and 9 more1 crore+ (4.6★)–6 to 36 months18%
LazyPayPayu Finance India Pvt. Ltd1 crore+ (4.6★)–90 days to 60 months12% to 36%
Poonawalla Fincorp appPoonawalla Fincorp Ltd1 crore+ (4.6★)₹50,000 to ₹5 lakh90 days to 36 months20% to 40%
Buddy LoanEpimoney Pvt. Ltd, Lendingkart Finance Ltd1 crore+ (4.5★)₹10,000 to ₹35 lakh–36%
Home CreditHome Credit India Finance Pvt. Ltd1 crore+ (4.5★)–12 to 60 months19.5% to 36%
NIRAApollo Finvest (India) Ltd, Komac Investments & Finance Pvt. Ltd and 1 more1 crore+ (4.5★)––24% to 36%
TVS Credit SaathiTvs Credit Services Ltd1 crore+ (4.2★)–6 to 60 months14% to 35%
DMI FinanceDmi Finance Pvt. Ltd1 crore+ (4★)₹10,000 to ₹10 lakh12 to 60 months12% to 27.9%
PaysenseKisetsu Saison Finance (India) Pvt. Ltd, Payu Finance India Pvt. Ltd1 crore+ (3★)₹5,000 to ₹5 lakh90 days to 60 months14.5% to 40%
IIFL LoansIifl Finance Ltd50 lakh+ (4.7★)₹3,000 to ₹30 lakh–11.9% to 27%
InCredIncred Financial Services Ltd50 lakh+ (4.6★)–12 to 60 months14% to 48%
GoCreditChhotaria Securities Pvt. Ltd, Fdpl Finance Pvt. Ltd and 4 more50 lakh+ (4.6★)₹5,000 to ₹5 lakh6 to 60 months18.1% to 36%
QuidIncred Financial Services Ltd, Innofin Solutions Pvt. Ltd. (Nbfc – P2P)50 lakh+ (4.6★)–90 days to 60 months12% to 36%
FinnableAxis Bank Ltd, Dmi Finance Pvt. Ltd and 5 more50 lakh+ (4.5★)₹25,000 to ₹10 lakh6 to 60 monthsup to 36%
Tata CapitalTata Capital Housing Finance Ltd, Tata Capital Ltd50 lakh+ (4.4★)₹5,000 to ₹10 lakh12 to 84 months26%
MyShubhLifeUgro Capital Ltd. (Previously Chokhani Securities Ltd.)50 lakh+ (4.4★)––48%
Hero FinCorpHero Fincorp Ltd50 lakh+ (4★)–12 to 48 months57%
UpwardsLendingkart Finance Ltd50 lakh+ (2.8★)–6 to 36 months16% to 36%
Groww CreditDsp Finance Pvt. Ltd, Earlysalary Services Pvt. Ltd and 4 more10 lakh+ (4.7★)–90 days to 60 months13% to 48%
SuryaLoanRaghavi Finance Ltd10 lakh+ (4.7★)₹5,000 to ₹1 lakh–42.6%
SalaryontimeKarn Securities Pvt. Ltd, Kasar Credit & Capital Pvt. Ltd10 lakh+ (4.6★)₹8,000 to ₹1 lakh–35%
WeRizeApollo Finvest (India) Ltd, Western Capital Advisors Pvt. Ltd and 7 more10 lakh+ (4.6★)₹30,000 to ₹100 lakh12 to 120 months15% to 35%
CreditSeaChhotaria Securities Pvt. Ltd, Gsb Finance Ltd and 1 more10 lakh+ (4.4★)₹5,000 to ₹2 lakh90 days to 36 months50%
ZavoEarlysalary Services Pvt. Ltd, Fdpl Finance Pvt. Ltd10 lakh+ (4.4★)–6 to 36 months10% to 104%
JifyWhizdm Finance Pvt. Ltd10 lakh+ (3.9★)₹5,000 to ₹10 lakh60 days to 60 monthsup to 45%
ZapcashBmw Fin-Invest Pvt. Ltd, Weekline Investment & Trading Co. Ltd10 lakh+ (3.8★)₹10,000 to ₹5 lakh90 days to 60 months25.1% to 45%
LoanTapEarlysalary Services Pvt. Ltd, Hindon Mercantile Ltd and 3 more10 lakh+ (3★)–6 to 60 months29%
RefyneJunoon Capital Services (P) Ltd, Sunita Finlease Ltd10 lakh+₹1,000 to ₹10 lakh90 days to 24 months8% to 36%
CashPoOrrish Finance Pvt. Ltd5 lakh+ (4.7★)––27.6%
SalarySeFdpl Finance Pvt. Ltd5 lakh+ (4.5★)––12% to 36%
TezCreditFinagle Financial Services Pvt. Ltd5 lakh+ (4.4★)₹5,000 to ₹2.5 lakh90 days to 60 months41.5% to 50%
Paisa247Baba Lease And Investment Pvt. Ltd, Meghdoot Mercantile Pvt. Ltd5 lakh+ (4.3★)₹5,000 to ₹15 lakh90 days to 60 months36%
LoandigitFintree Finance Pvt. Ltd5 lakh+ (4.2★)₹10,000 to ₹1 lakh–18% to 28%
KredBharatA.G.F. Finlease (India) Ltd5 lakh+ (2.5★)–90 days to 72 months20% to 24%
KarmaLifeAvanti Finance Pvt. Ltd, Bhawana Capital Pvt. Ltd and 3 more5 lakh+––40.3%
CreadyIncred Financial Services Ltd, Respo Financial Capital Pvt. Ltd1 lakh+ (4.9★)₹5,000 to ₹15 lakh90 days to 36 monthsNot stated
PocketRupeeAllen’S Housing & Finance Ltd1 lakh+ (4.6★)₹3,000 to ₹1.2 lakh–24%
ClickMyLoanF Mec International Financial Services Ltd1 lakh+ (4.4★)–90 days18% to 36%
GrowfiR.K. Bansal Finance Ltd1 lakh+ (4.4★)–6 to 1825 days17% to 50%
JumppFinvasia Financial Services Pvt. Ltd1 lakh+ (4.3★)–12 to 60 months36%
Mirae Asset FinanceMirae Asset Financial Services (India) Pvt. Ltd1 lakh+ (4.3★)₹1 lakh to ₹10 lakh6 to 48 months13.4% to 38.1%
PlebgraphPlebgraph Finance Pvt. Ltd1 lakh+ (4.2★)₹5,000 to ₹60,00090 days to 24 months14% to 36%
CreditJarD. S. Integrated Finsec Pvt. Ltd1 lakh+ (3.5★)–62 days to 36 months16.8% to 45%

Short-tenure and small-ticket loan apps (49 apps)

These apps lend smaller amounts for shorter terms, usually two to six months. They are the apps most people find when their score is low, and they are usually the most expensive: the highest APR disclosed in this group is 350% a year (Bridge). A small loan with an upfront fee and a short term can cost more in a few months than a larger loan costs in a year. See what a salary advance really costs, with a calculator, in our advance salary loan guide.

AppRBI-regulated lender(s)Play installs (rating)Loan amountRepayment termAPR in Play listing
FatakPayApollo Finvest (India) Ltd, Fdpl Finance Pvt. Ltd and 3 more1 crore+ (4.6★)₹1,000 to ₹5 lakh61 days to 48 months15% to 78%
RupeeredeeFincfriends Pvt. Ltd.1 crore+ (4.6★)₹2,000 to ₹2.5 lakh91 days to 24 months32% to 64%
InstaMoneyAeroflex Finance Pvt. Ltd, Innofin Solutions Pvt. Ltd. (Nbfc – P2P)1 crore+ (4.5★)₹5,000 to ₹1 lakh90 days to 12 monthsNot stated
LendingplateGrow Money Capital Pvt. Ltd, Unifinz Capital India Ltd1 crore+ (4.5★)–90 days to 15 months32% to 36%
PayRupikSayyam Investments Pvt. Ltd1 crore+ (4.5★)–91 days to 6 months35%
PayMeAvanti Finance Pvt. Ltd, Niyogin Fintech Ltd and 3 more1 crore+ (4.4★)₹2,000 to ₹5 lakh–34.8% to 98.2%
CASHeBhanix Finance & Investment Ltd, Hari And Company Investments Madras Pvt. Ltd and 4 more1 crore+ (4.3★)₹45,000 to ₹3 lakh9 to 18 months48%
LoanFrontBhawana Capital Pvt. Ltd, Usha Financial Services Pvt. Ltd and 1 more1 crore+ (4.3★)₹1,500 to ₹2 lakh90 days to 24 months17% to 70%
MoneyTap / FreoCholamandalam Investment And Finance Company Ltd, Kisetsu Saison Finance (India) Pvt. Ltd and 2 more1 crore+ (3.9★)–90 days to 36 months10% to 70%
ChinmayTapstart Capital Pvt. Ltd50 lakh+ (4.3★)₹10,000 to ₹5 lakh90 days to 18 months26% to 60%
StuCredKreon Finnancial Services Ltd50 lakh+ (4.3★)––113.3%
Rupee112Aadhar India Finvest Ltd50 lakh+ (4.1★)₹5,000 to ₹5 lakh61 days to 12 months35%
BharatLoanSolomon Capital Pvt. Ltd50 lakh+ (4★)₹5,000 to ₹5 lakh61 days to 12 months35%
KreditzyKrazybee Services Ltd50 lakh+ (2.1★)₹1,000 to ₹2 lakh62 days to 15 months23.2%
Anytime RupeeFinagle Financial Services Pvt. Ltd10 lakh+ (4.8★)–90 days to 12 months191% to 242%
EmergencyPaisaSuburban Finance & Investment Pvt. Ltd10 lakh+ (4.8★)₹10,000 to ₹1 lakh–42.6% to 120%
GS FinanceG.S. Leasing & Finance Pvt. Ltd10 lakh+ (4.8★)₹1,000 to ₹2 lakh61 days to 12 months18% to 36%
Pocket MitraJai Finance (India) Ltd10 lakh+ (4.7★)₹1,000 to ₹50,00091 days to 12 months31.4% to 35%
TaplendBaba Lease And Investment Pvt. Ltd10 lakh+ (4.5★)₹1,000 to ₹2 lakh64 to 120 daysup to 125%
RupeeontimeDev-Aashish Capital (P) Ltd, Vrinda Finlease Ltd10 lakh+ (4.5★)₹5,000 to ₹5 lakh61 days to 12 months35%
Loan112Devmuni Leasing & Finance Ltd10 lakh+ (4.5★)₹20,000 to ₹5 lakh61 days to 12 months35%
KoshHari And Company Investments Madras Pvt. Ltd, Hindon Mercantile Ltd and 3 more10 lakh+ (4.5★)₹20,000 to ₹2 lakh6 to 12 months18% to 33%
PhocketCitra Financials Pvt. Ltd10 lakh+ (4.5★)–62 days to 12 monthsup to 36%
KubizKubiz Capital Pvt. Ltd.(Previously Quest Finlease Pvt. Ltd.)10 lakh+ (4.4★)₹10,000 to ₹1 lakh90 to 120 days36%
YuvaYuvaraj Finance (Pvt. Ltd.) Ltd10 lakh+ (4.4★)–62 days to 12 months97%
FlotD S G Investments Pvt. Ltd10 lakh+ (4.4★)–90 days to 12 months28.8% to 55%
PaizoNice Finance And Leasing Pvt. Ltd10 lakh+ (4.4★)––50% to 120%
BrightLoansAvinash Capital Markets Pvt. Ltd10 lakh+ (4.4★)₹5,000 to ₹1.5 lakh61 days to 12 months35%
CredfinArham Finance & Investment Services Ltd10 lakh+ (4.2★)₹5,000 to ₹2 lakh62 days to 12 monthsup to 36%
Urban MoneyFdpl Finance Pvt. Ltd, Hytone Merchants (P) Ltd and 1 more10 lakh+ (4.2★)₹500 to ₹50,00061 to 120 days60% to 108%
LendittChinmay Finlease Ltd, Madhur Instalments Pvt. Ltd10 lakh+ (4.1★)₹10,000 to ₹5 lakh90 days to 18 months26% to 60%
TrustpaisaSonu Marketing (P) Ltd, Thanvir Bros (P) Ltd10 lakh+ (4.1★)₹3,000 to ₹45,00091 days to 12 months36%
IBL FinanceIbl Finance Ltd10 lakh+ (3.2★)₹2,000 to ₹50,00090 days to 12 months15% to 36%
KreditbuddhaAvinash Capital Markets Pvt. Ltd5 lakh+ (4.8★)₹10,000 to ₹1.2 lakh61 days to 12 months35%
DigicreditKhosya Finlease (P) Ltd5 lakh+ (4.4★)₹1,000 to ₹50,00062 to 120 days36%
Rapid MoneyFintree Finance Pvt. Ltd, Ruloans Financial Services Pvt. Ltd5 lakh+ (4.4★)₹5,000 to ₹20,000–160.1% to 162%
Get it NowAmaravathi Financial Solutions Pvt. Ltd, Lakme Investment & Finance Ltd5 lakh+ (4★)₹500 to ₹50,00061 to 120 days97% to 142%
TalaTalazen Finance India Pvt. Ltd5 lakh+ (3.3★)₹500 to ₹30,00061 to 120 days103.6% to 115.6%
MoneyDotFinagle Financial Services Pvt. Ltd1 lakh+ (4.6★)₹1,000 to ₹1 lakh90 days to 12 months50.9% to 75%
KuberCashNapean Finvest Pvt. Ltd1 lakh+ (4.5★)₹5,000 to ₹3 lakh91 days to 12 months18%
SN InstaZed Leafin Pvt. Ltd1 lakh+ (4.5★)–70 days to 12 monthsNot stated
SalaryNowMaxemo Capital Services Pvt. Ltd, Zed Leafin Pvt. Ltd1 lakh+ (4.4★)–70 days to 12 monthsNot stated
BridgePadmalaya Finserve Pvt. Ltd1 lakh+ (4.3★)₹3,000 to ₹25,00062 days to 6 months28.8% to 350%
SpeedoloanAgrim Fincap Pvt. Ltd1 lakh+ (3.8★)₹5,000 to ₹1 lakh90 days to 12 months42.6%
VmoneyVenus Barter Pvt. Ltd1 lakh+ (3.8★)₹1,000 to ₹1 lakh62 days to 12 months35% to 150%
MyMoneyBazaarAasra Fincorp Pvt. Ltd, Bansal In Hold Ltd1 lakh+ (3.5★)–90 days to 24 months74.8% to 115%
Jhatpat LoansAchiievers Finance India Pvt. Ltd1 lakh+ (3.2★)₹5,000 to ₹1 lakh90 days to 6 months15.2% to 111%
CashOneS.B.N. Leasing And Finance Ltd1 lakh+ (2.7★)₹2,000 to ₹50,00091 days to 12 months18% to 30%
mobiCredOricred Finserv Pvt. Ltd1 lakh+ (1.8★)–90 days to 12 months12% to 35%

Read the table carefully: the APR is what each app discloses in its Play listing, often a range or one representative example. Your own APR and total repayment are in the Key Fact Statement (KFS) the app must show you before you accept. Read APR vs interest rate to see why the APR is the number to compare.

What about 7-day and 15-day loan apps?

Google Play requires personal loan apps in India to offer at least 60 days to repay. An app that demands repayment in 7 or 15 days is breaking that rule. Check whether it appears on RBI’s list before you go any further, and do not give it access to your contacts and photos. The shortest legitimate terms in the tables above start at 61 days.

Before you apply with a low score

  1. Check the app and its lender in our full list of 1,041 RBI-listed loan apps.
  2. Get your free credit report and dispute any errors. Bureaus must resolve disputes within 30 days.
  3. Clear or regularise any overdue loan first. One overdue account can outweigh everything else.
  4. Apply to one app at a time and wait for its answer before trying another.
  5. Read the KFS: APR, processing fee plus GST, total amount payable and the due dates.
  6. Never pay an “approval fee” to an agent, and never share OTPs, passwords or your UPI PIN.

Our related lender: Omozing

Disclosure: Omozing (Aparampaar Finance Pvt. Ltd.) is an RBI-registered NBFC and a related party of FundsTiger. We list it separately so it does not affect the ranking above. Omozing’s app, Omozing Personal Loans, is on RBI’s list of Digital Lending Apps. It offers unsecured personal loans to salaried borrowers, including borrowers with mid-range CIBIL scores, and a loan that can replace several app loans with one EMI. As with any lender, check its KFS and compare the total cost before you accept.

Already repaying two or more app loans? See whether one EMI could replace them, and compare the total cost first.

See what each score can get: 550 · 600 · 650 · 700 · loans for CIBIL defaulters.

Small loans by amount: ₹5,000 · ₹10,000 · ₹20,000 · ₹50,000 loan apps.

How much can you borrow on your salary? ₹15,000 · ₹20,000 · ₹25,000 · ₹30,000 · ₹40,000 · ₹50,000 · FOIR guide and Excel calculator.

Frequently asked questions

Which loan app gives a loan with a 500 CIBIL score?

No regulated app publishes a minimum score, and none can promise approval at 500. Small, short-tenure loans are the most likely to be offered at low scores, and they are also the most expensive. Improving your report, even by clearing one overdue account, often does more than trying many apps.

Can I get an instant loan without a CIBIL score?

If you have no credit history at all (no score), some lenders will consider your income and bank statements instead. That is different from having a low score. Either way, every regulated lender checks your identity and reports the loan to credit bureaus once it is given.

Does applying on many loan apps hurt my CIBIL score?

Yes, it can. Each application is a hard enquiry, and many enquiries in a short time make you look riskier to the next lender. Checking your own score does not count.

How do I know an app is genuine?

Search it in our RBI loan app list and note the lender behind it. To check a finance company rather than an app, search our RBI-registered NBFC list. A genuine app shows a KFS before you sign, pays the loan into your own bank account, and lets you repay through official channels. See how to check if a loan app is RBI-approved.

How we picked these apps

We started from RBI’s list of Digital Lending Apps as on 5 October 2026 (1,041 apps). We kept apps whose main purpose is instant personal loans, that were live on Google Play with at least 1 lakh installs, and that disclose a repayment term or APR in their listing. We removed shopping, payments, investment, business-loan, gold-loan, credit-score and loan-comparison apps, and merged apps listed more than once. That left 105 apps, sorted by installs. We do not rank apps by quality and are not paid for any position on this page.

Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.