Short answer: FlexSalary, Rupee112, Loan112, BharatLoan, Olyv (SmartCoin), KreditBee, Moneyview, PaySense and 4 more offer tenures of 3 months or less. Short loans cost more per month: fees are spread over few months, so the APR can be high. Several apps say they do not offer loans repayable in under 61 days; check the KFS.
Last verified: 12 October 2026 from each lender’s official website and, where marked, its Google Play listing. FundsTiger does not rank lenders; tables are sorted by the figure in question, and the right choice is the one with the lowest APR you are actually offered.
| App | Shortest tenure | Tenure as stated | Fee | Rate |
|---|---|---|---|---|
| FlexSalary | 1 months | Up to 36 months | Up to 5% + GST | 18% to 42% a year |
| Rupee112 | 2 months | 61 to 365 days | 10% of the loan (homepage); the official example shows ₹1,000 + GST on ₹50,000 (2%) | Fixed 35% APR a year |
| Loan112 | 2 months | 61 to 365 days | 10% + 18% GST (homepage); the official example shows ₹1,000 + GST on ₹50,000 (2%) | Representative 2.9% a month; fixed 35% APR a year |
| BharatLoan | 2 months | 61 to 365 days | Up to 2% + GST (rate-and-terms text); 10% on the homepage and in the official example | Fixed 35% a year, depending on profile |
| Olyv (SmartCoin) | 2 months | 2 to 24 months (Google Play); 2 to 18 months (site) | 2% to 15% of the loan, by lender, deducted upfront | From 1.5% a month |
| KreditBee | 3 months | 3 to 60 months | Up to 4.7% + GST | 12% to 27.5% a year |
| Moneyview | 3 months | 3 to 60 months | From 2% of the approved amount | From 14% a year |
| PaySense | 3 months | 3 to 60 months | Up to 2.5% to 3% + GST (the site gives both) | 1.4% to 2.3% a month |
| LazyPay | 3 months | 3 to 24 months | 2% on the amount withdrawn | Usually 15% to 32% a year |
| Freo (MoneyTap) | 3 months | 3 to 36 months (credit line page) | From 2% at disbursal (website); Google Play: 0% to 7% plus a ₹999 + GST setup fee in its example | From 12% a year |
| Anytime Rupee | 3 months | 90 to 365 days | 20% of the loan, including GST (Google Play example) | From 3.3% a month |
| Stashfin | 3 months | 3 to 48 months (site); 3 to 42 months (Google Play) | Platform fee 2.85% + GST and transaction fee 3% + GST | 11.99% to 36% a year after a 0% first 30 days |
What a ₹20,000 loan for 3 months costs
| Rate a year | Fee | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|
| 18% | 2% | ₹603 | ₹472 | ₹1,075 |
| 36% | 5% | ₹1,212 | ₹1,180 | ₹2,392 |
| 39.6% | 17% | ₹1,334 | ₹4,012 | ₹5,346 |
A credit line with interest only on what you use, or an advance salary through your employer, can be cheaper for short gaps.
Compare them side by side
KreditBee vs Moneyview · Moneyview vs Fibe · KreditBee vs Fibe · Kissht vs KreditBee · PaySense vs Moneyview · InCred vs Moneyview · True Balance vs KreditBee · mPokket vs KreditBee · LazyPay vs Kissht · Freo (MoneyTap) vs Fibe · Rupee112 vs Loan112 · BharatLoan vs Rupee112 · All comparisons
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
What is the shortest loan an app can give?
Many apps now set a 61-day minimum. Rupee112, Loan112 and BharatLoan say their shortest tenure is 61 days.
Are short-term loans payday loans?
Some are. Check the APR: an APR above 100% means the loan is very expensive.
More guides: Which Loan App for Self-Employed · Which Loan App Without a Salary Slip · Which Loan App for First-Time Borrowers · Which Loan App for Low CIBIL Score · Which Loan App Has No Foreclosure Charges · Which Loan App Has the Lowest Processing Fee · Which Loan App Has the Lowest Interest Rate · Which Loan App Gives the Longest Tenure · Which Loan App for a Short-Term Loan · Which Loan App Gives a Credit Line · Which Loan App for ₹1 lakh · Which Loan App for ₹2 lakh · Which Loan App for ₹5 lakh · Which Loan App for ₹10 lakh · Which Loan App for Age Above 55 · Which Gold Loan App · Which App for Loan Against Mutual Funds · All guides
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.