Your Guide to the India’s Best Instant Personal Loan Apps in 2024

India's best instant personal loan apps

Personal loans in India are being evaluated by more people and are easily available to get rapid cash in a convenient manner. Mobile apps make it simple to apply and get a loan in minutes by using your smartphone. It is better to select the best apps for taking an immediate personal loan by comparing them to other applications based on their features and offerings. 

To help you navigate the options, here’s a table comparing some of the best instant personal loan apps available in India right now 

Name  Max Amount Interest Rate Starting from 
Zap MoneyRs. 1 lakh 18% p.a. 
Tata CapitalRs. 35 Lakh 10.99% p.a. – 35% p.a. 
PaySenseRs. 5 lakhs 16.8%-27.6% p.a. 
MoneyTapRs. 5 lakhs 1.25% p.m. 
KreditBeeRs. 5 lakhs 16% p.a. 
MoneyViewRs. 10 lakhs 1.33% p.m. 
CASHeRs. 4 lakhs 30.42% to 47.76% p.a. 
StashFinRs. 5 lakhs 11.99% – 59.99% p.a. 
mPokketRs. 45.000 2% p.m. 
Bajaj servRs. 40 lakhs 11% p.a. 
Flex SalaryRs. 2 lakhs 18% p.a. 

Zap Money: 

  • In Zap Money, an individual with good credit scores can get an instant personal loan 
  • It offers flexible loan repayment as a convenient solution. 
  • Interest rates range from 18% based on the borrower’s credit score. 
  • Zap Money provides 100 % transparency and Data safety protection. 

Tata Capital

  • Interest rates start from 10.99% to 19% p.a. 
  • The processing fee can range up to 2.75 percent of the loan amount. 
  • Individuals should keep a credit score in the range of 750 and higher. 

Pay Sense: 

  • Pay Sense offers loan amounts starting from 5000 to 5 lakhs 
  • The processing fee is 3% of the loan amount 
  • Annual interest rates start from 16.8% to 27.6% 
  • It has a flexible EMI option and tenure starts from 3 months to 5 years. 

Money Tap

  • Get a fast approval for a personal loan ranging from Rs. 3,000 to Rs. 5 lakhs. 
  • Flexible repayment tenure starts from 3 to 36 months (about 3 years) 
  • You can take a loan amount of up to 5 lakhs and the interest rate starts from 1.08% per month 

Kredit Bee

  • It is an online application and offers instant personal loans starting from 1000 to 4 lakhs. 
  • Kredit Bee offers the loan money within 10 minutes. 
  • The interest rate can vary depending on the borrower’s credit score and ranges from 5%-29.95% p.a. 
  • Getting a loan from Kredit Bee can be done online. 

Money View: 

  • Get instant personal loan online from 5000 to 10 lakhs 
  • Money View has flexible repayment plans starting from 3 months to 5 years. 
  • The processing fee can be 2% to 8% based on the loan amount 
  • The annual percentage rate (APR) ranges between 16% to 39%. 


  • A quick personal loan ranging from 1000 to 4 lakhs is applicable. 
  • Offers flexible repayment tenure of 3 to 18 months (about 1 and a half years) 
  • You can access online shopping at no cost to Emi 
  • APR range from 30.42%-47.76% 


  • You can avail of personal loan ranging from 1000 to 5 lakhs straight to your bank 
  • Interest rates start from 11.99% – 59.99% 
  • Flexible repayment method and convenient EMI solution 
  • Pricing is transparent, with no hidden fees. 


  • Interest rate starts from 2% per month 
  • An individual can take loans from 500 to 30,000 based on the borrower’s credit score. 
  • Processing fee can be added with loan amounts ranging from 50 to 200 with 18% GST 
  • It has a flexible tenure of up to 90 days (about 3 months). 

Bajaj FinServ: 

  • Bajaj Finserv Market interest rates starting from 1.25% per month 
  • Foreclosure charges 4% of outstanding loan amount with GST 
  • Processing fee charges up to 2.5% of the loan amount 


  • Flex salary offers personal loans up to 2 lakhs based on the borrower’s salary 
  • Flexible repayments and tenures start from 10 to 36 months (about 3 years). 
  • There are no hidden or prepayment charges. 


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Hariharan Ravichandran

Understanding the ever-changing environment of money may be a difficult experience.I'm Hariharan, a seasoned finance explorer and blogger. I am right there with you, beginning on this journey of financial enlightenment as a fellow traveler.


The ZapMoney app makes personal finance easy, accessible, and affordable. The App is available on Google Play Store and App Store for download, allowing you to sign up and access easy personal loans. ZapMoney is powered by Monexo Fintech Private Limited which is a registered NBFC-P2P.
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