10 lenders ranked · Verified June 2026

Top 10 Personal Loan Apps in India (2026)

An instant personal loan can cover an emergency, a big purchase or debt consolidation — but rates swing from about 10% to over 35% p.a., so the lender you pick really matters. We rank India's 10 best personal-loan apps and lenders on interest rate, loan amount, processing fee and disbursal speed, and show which suits large amounts, the lowest rates, small quick cash or a lower credit score. Verified June 2026; rates are indicative and depend on your profile — always check the lender's actual offer before borrowing.

#NameScoreInterest Rate (p.a.)Loan AmountProcessing FeeDisbursal
1Bajaj FinservTop pick9.1/1010%–31%Up to ₹55LUp to 3.93%24–48 hrs
2Navi9.0/109.9%–36%Up to ₹20L0%–4%Instant
3Tata Capital8.7/1010.99%+Up to ₹35LUp to 3%Same day
4moneyview8.5/1014%–36%₹5k–₹10L2%–8%Instant–24 hrs
5KreditBee8.3/1012%–29.95%₹6k–₹10L₹85–6.5%~10 min
6Fibe (EarlySalary)8.2/1014%–30%₹8k–₹5LUp to 2%Instant
7CASHe8.0/10~27%+₹15k–₹4L₹500–1,200+Instant
8MoneyTap7.9/1013%–36%₹3k–₹5L lineUp to 2%Instant
9PaySense7.7/1016%–36%₹5k–₹5LUp to 2.5%Same day
10Stashfin7.5/1011.99%–59.99%₹1k–₹5LUp to 10%Instant

Best overall

1

Bajaj Finserv

India's largest retail NBFC for personal loans, offering some of the highest limits and longest tenures at competitive starting rates — a strong choice for big, planned borrowing with a good credit profile.

9.1
/ 10
Interest Rate (p.a.)
10%–31%
Loan Amount
Up to ₹55L
Processing Fee
Up to 3.93%
Disbursal
24–48 hrs
  • Very high loan limits & long tenure
  • Competitive starting rates
  • Trusted, well-established lender
  • Best rates need a strong CIBIL
  • Processing fee can be high
  • Not the fastest for tiny loans
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3

Tata Capital

The trusted Tata-group NBFC, offering large personal loans at competitive rates with flexible tenures — well suited to salaried and self-employed borrowers who want a reputable lender.

8.7
/ 10
Interest Rate (p.a.)
10.99%+
Loan Amount
Up to ₹35L
Processing Fee
Up to 3%
Disbursal
Same day
  • Reputable Tata-group lender
  • High limits, flexible tenure
  • Good for salaried & self-employed
  • Best rates need strong eligibility
  • Slower than app-only lenders
  • Processing fee applies
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4

moneyview

A popular instant-loan app with flexible eligibility, lending from ₹5,000 to ₹10 lakh quickly even to borrowers with a limited credit history — handy for small to mid-sized needs.

8.5
/ 10
Interest Rate (p.a.)
14%–36%
Loan Amount
₹5k–₹10L
Processing Fee
2%–8%
Disbursal
Instant–24 hrs
  • Flexible eligibility & quick approval
  • Wide loan range
  • Good for limited credit history
  • Higher rates for weak profiles
  • Processing fee can be steep
  • App-based servicing
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5

KreditBee

A small-ticket specialist that disburses in minutes, lending from ₹6,000 up to ₹10 lakh — particularly accessible for young and new-to-credit borrowers needing fast cash.

8.3
/ 10
Interest Rate (p.a.)
12%–29.95%
Loan Amount
₹6k–₹10L
Processing Fee
₹85–6.5%
Disbursal
~10 min
  • Very fast small-ticket loans
  • Accessible to new-to-credit users
  • Fully digital
  • High APR on small loans
  • Fees vary by product
  • Short tenures on small amounts
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6

Fibe (EarlySalary)

Built for salaried millennials, Fibe offers instant salary-advance and personal loans from ₹8,000 to ₹5 lakh, with quick approval tied to your monthly income.

8.2
/ 10
Interest Rate (p.a.)
14%–30%
Loan Amount
₹8k–₹5L
Processing Fee
Up to 2%
Disbursal
Instant
  • Fast for salaried applicants
  • Salary-advance options
  • Low processing fee
  • Geared to salaried only
  • Mid-to-high rates
  • Lower limits than NBFCs
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7

CASHe

An AI-driven app lending to salaried borrowers from ₹15,000 to ₹4 lakh, using its own social-loan-quotient score — useful when a traditional credit score is thin.

8.0
/ 10
Interest Rate (p.a.)
~27%+
Loan Amount
₹15k–₹4L
Processing Fee
₹500–1,200+
Disbursal
Instant
  • Quick for salaried users
  • Alternative credit scoring
  • Short-tenure flexibility
  • High effective interest
  • Fixed-fee on small loans hurts
  • Salaried focus
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8

MoneyTap

A flexible credit line rather than a lump-sum loan — borrow what you need from an approved limit and pay interest only on what you use, ideal for irregular or recurring needs.

7.9
/ 10
Interest Rate (p.a.)
13%–36%
Loan Amount
₹3k–₹5L line
Processing Fee
Up to 2%
Disbursal
Instant
  • Credit line — pay interest only on usage
  • Flexible repeated withdrawals
  • Quick approval
  • Rates rise for weak profiles
  • Line, not a fixed loan
  • Salaried-oriented
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9

PaySense

A simple personal-loan app for both salaried and self-employed borrowers, offering ₹5,000 to ₹5 lakh with minimal documentation and an easy EMI experience.

7.7
/ 10
Interest Rate (p.a.)
16%–36%
Loan Amount
₹5k–₹5L
Processing Fee
Up to 2.5%
Disbursal
Same day
  • Accepts self-employed applicants
  • Minimal documentation
  • Simple EMI flow
  • Higher starting rates
  • Moderate limits
  • App-based support
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10

Stashfin

A credit-line app that lends to a wide range of profiles, including thinner credit files, from ₹1,000 up to ₹5 lakh — accessible, but read the rate carefully as it can run high.

7.5
/ 10
Interest Rate (p.a.)
11.99%–59.99%
Loan Amount
₹1k–₹5L
Processing Fee
Up to 10%
Disbursal
Instant
  • Accessible to varied credit profiles
  • Small minimum ticket
  • Instant credit line
  • APR can be very high
  • Fees can be steep
  • Read terms carefully
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Find the right loan for your need

The best lender depends on how much you need and your profile:

Best Instant Personal Loan Apps Lowest Interest Personal Loans Best for Large Loan Amounts Best for Small Quick Loans Best for Low / New Credit Score Best Personal Loans for Salaried Employees Best Personal Loans for Self-Employed

Frequently asked questions

Which is the best personal loan app in India in 2026?

It depends on your need. For large amounts at low rates, Bajaj Finserv and Navi lead; for fast small-ticket cash, apps like KreditBee and moneyview are quicker. Always compare the actual rate you're offered, since it depends on your credit profile.

Which personal loan app has the lowest interest rate?

Navi, Bajaj Finserv and Tata Capital advertise the lowest starting rates (from about 10% p.a.), but the rate you actually get depends on your credit score, income and loan amount. A strong CIBIL score gets you closer to the starting rate.

Can I get an instant personal loan with a low credit score?

Yes — apps like moneyview, KreditBee and Stashfin are more flexible on credit history, but expect higher interest rates. Borrow only what you can repay, and use it to build a positive repayment record.

Are these loan apps safe?

Stick to RBI-registered lenders and apps backed by regulated NBFCs or banks (like those listed here). Avoid unknown apps that ask for excessive permissions or upfront fees. Always read the interest rate and fees before accepting. This is information, not financial advice.

How we rank: we score each lender on interest rate, loan range, fees, disbursal speed and accessibility. Rates and fees are indicative ranges as of June 2026 and depend on your profile — your actual offer will differ, so confirm with the lender before borrowing. Only borrow from RBI-registered lenders and only what you can repay. Information only, not financial advice.