Top 10 Instant Personal Loan Apps in India – June 2025

Are you in urgent need of cash? Looking for a fast and hassle-free personal loan of up to ₹5 lakh? You’re in the right place.

In June 2025, the Indian fintech sector has been revolutionized by a wave of instant personal loan apps that offer approvals in minutes with minimal paperwork — all online. Whether it’s for medical emergencies, travel, education, or personal use, these apps offer flexible repayment options, quick disbursal, and competitive interest rates.

What Is an Instant Personal Loan?

An instant personal loan is a short-term unsecured loan that gets approved and credited to your account almost immediately, usually through a 100% digital process. These loans require minimal documentation, have flexible EMI options, and are typically used for emergency or lifestyle expenses.

Top 10 Personal Loan Apps in India – 2025

1. MoneyView

Loan Amount: ₹5,000 to ₹10,00,000

   Interest Rate: Starting at 1.33% per month

   Disbursal Time: Within 24 hours

   Features: Paperless KYC, low CIBIL score accepted

2. Navi

Loan Amount: ₹10,000 to ₹20,00,000

   Interest Rate: Starting at 9.9% p.a.

   Disbursal Time: Under 5 minutes

   Features: Zero processing fee, 100% digital process

3. KreditBee

Loan Amount: ₹1,000 to ₹4,00,000

   Interest Rate: Starting at 1.02% per month

   Disbursal Time: Under 10 minutes

   Features: Ideal for new borrowers

4. CASHe

Loan Amount: ₹7,000 to ₹4,00,000

   Interest Rate: Starting at 2.50% per month

   Disbursal Time: Within 24 hours

   Features: Flexible tenure, salaried users preferred

5. PaySense

Loan Amount: ₹5,000 to ₹5,00,000

   Interest Rate: Starting at 1.08% per month

   Disbursal Time: Instant approval

   Features: Available even for users with no credit history

6. Dhani

Loan Amount: ₹1,000 to ₹15,00,000

   Interest Rate: Starting at 12% p.a.

   Disbursal Time: Instant in-app wallet credit

   Features: Cashback and wellness benefits included

7. Stashfin

Loan Amount: ₹1,000 to ₹5,00,000

   Interest Rate: Varies by profile

   Disbursal Time: Within a few minutes

   Features: Personal line of credit

8. Nira

Loan Amount: ₹5,000 to ₹1,00,000

   Interest Rate: Starting at 1.5% per month

   Disbursal Time: Within 3 hours

   Features: Great for first-time borrowers

9. LazyPay

Loan Amount: ₹10,000 to ₹5,00,000

   Interest Rate: Starting at 15% p.a.

   Disbursal Time: Instant pre-approved loans

   Features: Buy now, pay later and EMI options

10. TrueBalance

Loan Amount: ₹5,000 to ₹1,00,000

   Interest Rate: Varies by profile

   Disbursal Time: Within 10 minutes

   Features: Available in multiple Indian languages