10 Best Personal Loan App For Indian Users- Employed & Self Employed
In this article, you can see 10 best instant personal loan app for Indian users. Most of these apps offer instant paperless digital loan for employed and self employed users. If you are looking for any type of personal or business loan, you can take benefits of these loan apps.
List of the best loan apps for instant money
1. Money View Instant Loan App For Salaried & Non Salaried Person ( Website & Android App ):-
One of the best personal loan apps for salaried and self employed users. It lets you check your loan eligibility within few minutes and offers customizable loan with EMI option. You can easily apply for this paperless loan from your android mobile phone.
You just need to take screenshots of your bank account statements of last 3 months, pan card and Aadhar . It takes up to 24-48 hours to verify and approve your loan application.
You will receive your loan amount directly to your bank account and loan EMI will be deducted on the 5th of every month from your bank account. Money view verifies your bank account through net banking or debit card ( ATM card ) so that Money view loan app can deduct loan EMI from your bank account.
Features:- You can take personal loan from Rs 10,000 to Rs - 5,00,000/= in just few minutes. Its annual interest rates vary from 16% to 39% with easy and flexible EMI option. Money view offers loan for 3 months to 5 years.
How to apply for Money view personal loan :-
(a) Download Money view loan app on your Android smartphone.
(b) Now provide basic information and check your loan eligibility within few minutes.
(c) Select your loan amount and EMI plan.
(d) Complete your online KYC and verify your income with bank statement and other documents.
(e) Receive your loan amount within 24 to 48 hours after approval.
App & Official Website Link- Money view app for Android, Money view official website
2. PaySense personal Loan App ( Android app & website ):-
PaySense offers personal from Rs 5000 to 500000/= with flexible EMI option. Its annual interest rates vary from 16% to 36%. PaySense loan service is available in 180+ cities of India.
Very useful and easy loan application process for salaried and non salaried individuals. You can easily apply for loan within few minutes.
Features:- PaySense offers different types of loan such as wedding loan, car loan, education loan, medical emergency loan, travel and home renovation loan.
PaySense personal loan eligibility criteria :-
(i) Your age should be between 21 to 60 years.
(ii) Your monthly salary should be more than Rs 18000/=.
(iii) Your location must be in their supported cities.
How to take loan from PaySense app:-
You can take loan easily from PaySense app just by following few simple steps.
(A) Download the app and check your loan eligibility within few minutes.
(B) Provide KYC proof- PAN, Aadhar Card, photograph & income proof ( bank statement ).
(C) Sign application and send for approval.
(D) If approved, your loan amount will be credited to your bank account directly.
3. Navi Personal & Home Loan App ( iPhone , Android & Website )
Navi loan app offers personal loan from Rs 10000 to Rs 2000000 with flexible EMI option of 3 months to 72 months. Its interest rates vary from 9.99% to 36% per annum.
One of the best digital loan service app that lets you apply for personal up to Rs 20 Lakh and home loan up to 10 crores. You can also buy health insurance at very low cost by using Navi loan app.
Features - Navi offers instant loan for all types of your needs such as personal loan, home loan etc. It has very easy loan application process which takes only few minutes.
Navi personal loan eligibility criteria:- If your age is between 18 years to 65 years , you can apply for the loan. It requires credit score more than 650. Navi offers loan to salaried and self employed individuals.
How to apply for Navi loan online :-
(A) Download the app on your phone and register with your mobile number.
(B) Fill basic information and check loan eligibility.
(C) Choose your loan EMI plan and keep ready your digital IDs for KYC.
(D) Verify your ID with PAN, Aadhar & Selfie photo and enter bank details to receive loan amount.
(E) Receive money to your bank account.
App & Website Link- Navi app for Android mobile , Navi for iPhone, Navi official website
4. Indiabulls Dhani Instant Personal Loan App With Card ( iPhone, Android & Website ):-
Dhani offers various services for your daily needs. With the help of Dhani one freedom card, you can get credit limit upto 5 Lakhs and guaranteed cashback .
Features- Dhani card offers instant credit limit from Rs- 10000 to Rs - 500000 and you can pay back in three interest free installments. Dhani app also offers lots of useful services such as- online store, pharmacy, UPI, bill payments, stock trading and free doctor consultation service with Dhani doctor option.
Its personal loan interest rate starts from 13.99%. It offers different types of loans such as car loan, personal loan, two wheeler loan, medical emergency loan and more.
Indiabulls Dhani personal loan eligibility criteria:- Your age should be 21 or above. It offers loan to salaried and self employed entrepreneur.
How to apply for Dhani loan :-
(A) Download the Indiabulls Dhani app and register with your mobile number.
(B) Fill basic information and apply for your interested loan.
(C) Complete your KYC and other verification documents including banking details to receive loan amounts.
(D) Indiabulls Dhani loan team will check your application and if your loan is approved, you will receive loan amount to your bank account.
App & Website Links- Dhani loan app for Android, Dhani for iPhone, Dhani official website
5. Kredit Bee Instant Personal Loan App ( iPhone , Android & Web ):-
One of the best personal loan offering app for Indian users. You can easily apply for personal loan from your Android or iPhone app. It offers personal loan from Rs 1000 to Rs. 200000 with flexible EMI option of 2 months to 15 months.
KreditBee interest rates vary from 0% to 29% per annum.
Features:- Quick approval process with minimum documents. It offers loan for different purpose such as online shopping, travel & personal needs.
KreditBee personal loan eligibility criteria :- Your age should be above 21 years and you must have monthly source of income.
How to apply for Kreditbee personal loan :-
(A) Download the app and register your account with mobile number.
(B) Fill the basic information and check your loan eligibility.
(C) Upload and verify your KYC documents - ID proof, PAN and address proof.
(D) Apply for the loan and wait for approval.
App & Website Links- KreditBee app for Android, KreditBee for iPhone, KreditBee website
6. True Balance Personal Loan App ( Android & Website ):-
Very popular personal loan app that lets you get instant paperless loan to your bank account. You can apply for your personal loan from True balance loan app. It offers quick loan service and free credit score checker tool.
Features:- 100% paperless loan process and loan range starts from Rs. 5000 to Rs. 50000 . It offers long loan tenure. It offers bill payment services. You can also earn money by using its services.
How to take loan from True balance app:-
(A) Download the loan app & register your mobile number.
(B) Submit basic information and check your personal loan eligibility.
(C) Complete your online KYC with necessary documents.
(D) Apply for loan and wait for approval. If your application is approved, you should receive your loan amount directly to your bank account.
App & Website Links- True balance app for Android, True balance website
7. BharatPe Finance App With Loan Option ( iPhone, Android & Website ):-
BharatPe app is mainly a finance solution service that lets you accept payments from almost all payment methods for your business at 0% fee but it also offers loan to maximize your small business.
Features :- It offers loan for 3 months to 15 months. Its loan interest rates vary from 21% to 30% per annum. You can also repayment your loan amount through EDI ( Easy Daily Installments ).
BharatPe loan eligibility criteria:- You must have regular source of income and Bharat merchant. If you regularly use BharatPe QR scanner or other service to accept payments from customers, you can apply for BharatPe loan.
How to apply for BharatPe loan :-
(A) If you are a regular member of BharatPe payment accepting service, you can use this app to apply for loan to maximize your business.
(B) Download BharatPe app and fill the basic information about your business.
(C) Select your loan amount and apply for loan.
(D) Upload KYC with ID proof, address proof and selfie photo.
(E) Link your bank account to receive loan amount and pay loan EMI automatically.
App Links-BharatPe for Android , BharatPe for iPhone, BharatPe official website
8. Bajaj Finserv Personal Loan App ( iPhone, Android & Website ):-
All in one payment solution for salaried and self employed individuals. Bajaj finserv app offers personal loan, bill payment solution and credit card to purchase all types of products in EMI.
Features:- It has many features such as bill payments, personal loan , UPI payments, store locator and many other options. It offers personal loan up to Rs 25 Lakhs with repayment tenure from 12 months to 84 months. It interest rates vary from 12% to 34% per annum.
Bajaj Finserv personal loan eligibility criteria:-
Your age should be between 21 years to 67 years ( for salaried professionals ) . Your salary should be more than Rs. 22000 and cibil score above 750.
How to apply for Bajaj finserv personal loan:-
(A) Download the loan app and register your mobile number.
(B) Fill basic information and check loan eligibility.
(C) Submit your digital documents for KYC including bank statement and employment ID.
(D) Complete your loan application process and wait for approval call.
(E) Receive loan amount to your bank account.
App & Website Links- Bajaj finserv for Android, Bajaj finserv for iPhone, Bajaj finserv website
9. mPokket personal loan app for students & salaried person ( Android , Website ):-
One of the best personal apps for college students and low salaried people. It offers personal loan up to Rs. 30000 . Very useful personal loan app that offers easy loan process of your urgent needs.
Features:- It offers very quick loan service and if your loan is approved, it transfers your loan amount to your bank account within few minutes. Its interest rates vary from 1% to 6% monthly.
mPokket personal loan eligibility criteria:- You must be 18 years of age and have valid college ID proof. Salaried professional and college students can take loan from this app. It requires bank statement of last three months for salaried person and ID and address proof.
How to apply for mPokket personal loan:-
(A) Download mPokket personal loan app and register account with mobile number.
(B) Fill the basic information and complete KYC.
(C) Select the loan amount and loan repayment plan.
(D) Complete your loan application and receive funds to your bank account or Paytm account.
App & Website Links- mPokket for Android, official website of mPokket
10. Fibe (Formerly Early Salary personal loan app for iPhone, Android & Website):-
One of the best personal loan apps for salaried professionals. It offers loan from Rs. 8000 to Rs. 500000 with flexible loan repayment EMI option ( 3 months to 24 months ).
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Fibe - Early Salary personal loan eligibility criteria :- Your age should be 21 years or above. Your salary should be more than Rs. 15000.
How to apply for Fibe (Early Salary) personal loan:-
(A) Download Fibe(Early salary) app and register your account with mobile number.
(B) Fill your basic information and check loan eligibility.
(C) Select loan amount and EMI plan.
(D) Complete KYC with ID proof, address proof and income proof.
(E) Verify details, apply for loan and wait for approval.
App & Website Links- Fibe app for Android, Fibe for iPhone, Fibe official website
