Top 5 Instant Loan Apps in India How to apply

Top 5 Instant Loan Apps in India – Apply Process, Eligibility & Documents (2025)

1. Navi App

• Loan Amount: ₹10,000 to ₹20 Lakhs

• Interest Rate: Starting from 9.9% p.a.

• Tenure: Up to 6 years

• Documents: PAN + Aadhaar only

• Eligibility: Indian citizen, 21–65 years

• Apply Process:

  1. Download Navi App from Play Store

  2. Enter PAN, Aadhaar & personal details

  3. Do eKYC verification

  4. Select loan amount & EMI

  5. Get instant approval and disbursal to your bank

2. KreditBee

• Loan Amount: ₹1,000 to ₹4 Lakhs

• Interest Rate: 0% to 29.9% p.a.

• Tenure: 3 to 24 months

• Documents: PAN, Aadhaar, bank statement

• Apply Process:

  1. Register with mobile number

  2. Fill personal & income details

  3. Upload KYC docs

  4. Get instant approval & money in bank

3. CASHe

• Loan Amount: ₹7,000 to ₹4 Lakhs

• Interest Rate: 1.5% to 3% per month

• Tenure: 3 to 18 months

• Documents: PAN, Aadhaar, selfie, salary slip

• Apply Process:

  1. Install CASHe app

  2. Complete KYC with selfie + documents

  3. Link salary account

  4. Get disbursement in minutes

4. MoneyTap

• Loan Amount: ₹3,000 to ₹5 Lakhs

• Interest Rate: 13% to 24% p.a.

• Tenure: Flexible, up to 3 years

• Documents: PAN, Aadhaar, income proof

• Apply Process:

  1. Sign up on app

  2. Fill KYC & income details

  3. Get credit line approved

  4. Withdraw as needed anytime

5. PaySense

• Loan Amount: ₹5,000 to ₹5 Lakhs

• Interest Rate: 16% to 28% p.a.

• Tenure: Up to 60 months

• Documents: PAN, Aadhaar, bank statement

• Apply Process:

  1. Download app

  2. Fill in personal details & income

  3. Upload docs

  4. Loan amount credited in hours

Common Eligibility Criteria:

• Age: 21–60 years

• Indian resident with valid KYC

• Stable monthly income

• Decent credit history (not mandatory for all apps)

Required Documents:

• PAN Card

• Aadhaar Card

• Bank Statement (last 3–6 months)

• Salary Slip or Income Proof

• Selfie (for KYC)