Finding the best personal loan app in India in 2026 can be a life-saver when you need money urgently. Whether it’s a medical emergency, home renovation, school fees, travel expenses, or even a sudden cash shortage before salary day—instant loan apps have made borrowing faster, easier, and more accessible than ever.
In 2026, the lending industry in India is heavily influenced by fintech innovation, smart credit scoring, and fully digital KYC processes. Today, you no longer need to visit a bank branch, wait for paperwork, or spend days for approval.
With the help of the best instant loan apps in India, you can:
✅ Apply online within minutes
✅ Complete KYC digitally
✅ Get approval instantly (for eligible users)
✅ Receive funds directly into your bank account
However, choosing the right app is very important because not every loan app is equally safe, transparent, or affordable.
So in this updated guide, we are sharing the 25 best personal loan apps in India for 2026, with a comparison table including loan amount, interest rates, and repayment tenure.
Quick Comparison Table: Best Personal Loan Apps in India (2026)
| No. | Loan App | Interest Rate | Loan Amount | Repayment Tenure |
|---|---|---|---|---|
| 1 | TrustPaisa | 18.25% – 36% p.a. | ₹2,500 – ₹45,000 | 61 days – 365 days |
| 2 | CASHe | 2.79% per month | Up to ₹3 Lakh | Up to 18 months |
| 3 | PaySense | 1.4% – 2.3% per month | Up to ₹5 Lakh | 3 – 60 months |
| 4 | Bajaj Finserv | 10% – 31% p.a. | Up to ₹55 Lakh | Up to 96 months |
| 5 | LazyPay | 12% – 36% p.a. | Up to ₹5 Lakh | Up to 24 months |
| 6 | Buddy Loan | 11.99% p.a. onwards | Up to ₹15 Lakh | 6 months – 5 years |
| 7 | KreditBee | 12% – 28.50% p.a. | ₹6,000 – ₹10 Lakh | 6 – 60 months |
| 8 | mPokket | 24% – 39% p.a. | ₹1,000 – ₹50,000 | 6 – 12 months |
| 9 | ZestMoney | 14% p.a. onwards | Up to ₹5 Lakh | 3 – 36 months |
| 10 | True Balance | 2.40% p.m. onwards | ₹5,000 – ₹2 Lakh | 6 – 12 months |
| 11 | Home Credit | 1.60% p.m. onwards | ₹10,000 – ₹4.8 Lakh | 9 – 60 months |
| 12 | FlexSalary | 18% – 36.50% p.a. | Up to ₹3 Lakh | Up to 36 months |
| 13 | Navi | Up to 26% p.a. | Up to ₹20 Lakh | Up to 84 months |
| 14 | NIRA Finance | 2% p.m. onwards | ₹5,000 – ₹1.5 Lakh | 3 – 24 months |
| 15 | Finnable | 16% – 35.99% p.a. | ₹25,000 – ₹10 Lakh | 6 – 60 months |
| 16 | Freo (MoneyTap) | 12% – 36% p.a. | ₹3,000 – ₹5 Lakh | 3 – 36 months |
| 17 | Pocketly | 2% per month onwards | Up to ₹50,000 | 2 – 6 months |
| 18 | IndiaLends | 10.25% onwards | Up to ₹25 Lakh | 1 – 5 years |
| 19 | Hero FinCorp | 19% p.a. onwards | Up to ₹5 Lakh | 12 – 36 months |
| 20 | StashFin | 21% – 45% p.a. | ₹1,000 – ₹5 Lakh | 12 – 36 months |
| 21 | Lenditt | 28% p.a. onwards | ₹7,500 – ₹3 Lakh | Up to 365 days |
| 22 | PayMe India | 1.50% p.m. onwards | Up to ₹10 Lakh | 3 – 24 months |
| 23 | Dhani | 13.99% p.a. onwards | ₹1,000 – ₹15 Lakh | 3 – 24 months |
| 24 | LoanTap | Up to 29% p.a. | ₹50,000 – ₹10 Lakh | 6 – 60 months |
| 25 | RupeeRedee | 12% – 36% p.a. | ₹2,000 – ₹1,49,000 | 3 – 12 months |
Top 25 Best Personal Loan Apps in India (2026)
Below is the detailed list of India’s top-rated loan apps in 2026.
TrustPaisa – Best Personal Loan App for Small Loans
TrustPaisa is one of the most popular options for short-term loans. It offers quick approvals with a simple process and minimal documentation.
✅ Best for: emergency loans & small cash needs
Loan: ₹2,500 – ₹45,000
Tenure: 61 days – 365 day
2. CASHe – Best Loan App for Salaried Users
CASHe is widely used by working professionals who need instant credit.
✅ Best for: salaried borrowers
Loan: up to ₹3 Lakh
Tenure: up to 18 months
3. PaySense – Best Loan App with Wider Eligibility
PaySense supports both salaried and self-employed applicants and offers flexible repayment.
✅ Best for: mixed employment types
Loan: up to ₹5 Lakh
Tenure: 3 to 60 months
4. Bajaj Finserv – Best Loan Provider for High Loan Amount
If you want a large personal loan with long tenure, Bajaj Finserv is a trusted name.
✅ Best for: big loans like wedding/home/business expenses
Loan: up to ₹55 Lakh
Tenure: up to 96 months
5. LazyPay – Best Instant Loan App for Quick Approval
LazyPay gives pre-approved credit lines and quick loan access.
✅ Best for: fast digital credit
Loan: up to ₹5 Lakh
6. Buddy Loan – Best Loan App for Low Interest Offers
Buddy Loan provides multiple lender options and competitive rates.
✅ Best for: borrowers seeking best rate offers
Loan: up to ₹15 Lakh
7. KreditBee – Best Loan App for Young Professionals
KreditBee is excellent for first-time borrowers and salaried users with fast processing.
✅ Best for: young salaried professionals
Loan: ₹6,000 to ₹10 Lakh
8. mPokket – Best Loan App for Students
mPokket is designed for micro-loans and is best for college students.
✅ Best for: students & entry-level earners
Loan: ₹1,000 – ₹50,000
9. ZestMoney – Best Loan App Without Credit History
ZestMoney is useful for “new to credit” users and offers alternative credit scoring.
✅ Best for: users without CIBIL score
Loan: up to ₹5 Lakh
10. True Balance – Best Instant Loan App for Emergency Cash
Small, quick loans and easy repayment options.
✅ Best for: urgent small borrowing
Loan: ₹5,000 – ₹2 Lakh
11. Home Credit – Trusted Loan App Across India
Home Credit is popular because of its strong customer support and wide reach.
✅ Best for: mid-range personal loans
Loan: up to ₹4.8 Lakh
12. FlexSalary – Best Personal Loan App with Credit Line
Works like a revolving credit line.
✅ Best for: repeated withdrawals
Loan: up to ₹3 Lakh
13. Navi – Best Loan App for Big Loans
Navi offers loans up to ₹20 Lakh with smooth digital approval.
✅ Best for: larger personal loans
Loan: up to ₹20 Lakh
14. NIRA Finance – Best Loan App for Salary Loans
Offers short-term personal loans with easy eligibility.
✅ Best for: quick salary-based loans
Loan: ₹5,000 – ₹1.5 Lakh
15. Finnable – Fast Personal Loans for Salaried Borrowers
Quick funding with medium-to-high limits.
✅ Best for: salaried borrowers
Loan: up to ₹10 Lakh
16. Freo (MoneyTap) – Best Credit Line App
Pay interest only on used credit.
✅ Best for: flexible borrowing
Loan: ₹3,000 – ₹5 Lakh
17. Pocketly – Best Instant Loan App for Students
Short tenure micro-loans for youth.
✅ Best for: students/young borrowers
Loan: up to ₹50,000
18. IndiaLends – Best Loan App with Credit Tools
Loan + credit score monitoring.
✅ Best for: financial health + loans
Loan: up to ₹25 Lakh
19. Hero FinCorp – Trusted Loan Provider
A reputed brand offering personal loans with simple eligibility.
✅ Best for: moderate loan needs
Loan: up to ₹5 Lakh
20. StashFin – Best Loan App for Low Credit Profiles
Flexible loan options even for risky profiles (but higher rate).
✅ Best for: low-credit borrowers
Loan: ₹1,000 – ₹5 Lakh
21. Lenditt – Best for Short-Term Borrowing
Good for gig workers and micro-financing.
✅ Best for: short-term loans
Loan: up to ₹3 Lakh
22. PayMe India – Best Salary Advance Loan App
Suitable for working professionals looking for short-term credit.
✅ Best for: payday loans
Loan: up to ₹10 Lakh
23. Dhani – Best All-in-One Finance App
Loans, cards, health services and more.
✅ Best for: multi-service users
Loan: up to ₹15 Lak
24. LoanTap – Best Loan App with Custom Repayment Plans
Unique repayment plans like step-up loan options.
✅ Best for: customized loan products
Loan: ₹50,000 – ₹10 Lakh
25. RupeeRedee – Best Instant Loan App for Emergencies
Quick micro-loans with fast disbursal.
✅ Best for: emergency money
Loan: ₹2,000 – ₹1,49,000
✅ How to Choose the Best Personal Loan App in 2026
In 2026, choosing the best loan app is not only about interest rates. You should also check:
✅ RBI-registered NBFC or bank partner
✅ Transparent fees (no hidden charges)
✅ Customer support quality
✅ App reviews + Play Store ratings
✅ Data privacy & permission control
✅ Loan repayment flexibility & EMI planner
✅ FAQs – Best Personal Loan Apps in India 2026
1) Which is the best personal loan app in India in 2026?
Apps like Bajaj Finserv, Navi, KreditBee, CASHe, and PaySense are among the most popular options depending on loan size.
2) Which loan app gives instant loan in 5 minutes?
Many apps offer fast approval for eligible users, including CASHe, LazyPay, RupeeRedee, and KreditBee.
3) Which is the best loan app for students?
mPokket and Pocketly are widely used for micro loans for students.
4) Are personal loan apps safe?
Yes, but only if you choose apps partnered with RBI-approved banks/NBFCs and avoid unknown/illegal apps.
5) Can I get a loan without a CIBIL score?
Yes. Apps like ZestMoney may approve loans using alternative data.