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4 Personal Loan Apps You Should Know About

4 Personal Loan Apps You Should Know About

India is changing, and with it, the mindsets, practices, norms, and habits of the citizens are also rapidly shifting. For instance, taking a loan is no longer considered taboo today. Many individuals have been applying and taking loans for various purposes like higher studies, financing a holiday, house renovations, buying a car, and even for their wedding.

To help achieve the dreams of today’s striving population, many financial institutions have started offering funds. Money lending apps in India have become popular over the years owing to the many benefits compared to banks – customized loans, low-interest rates, quick disbursal, the simple application process, no collaterals.

Multiple apps in India offer a quick, digital, and hassle-free way of getting immediate access to funds to fulfill your dreams or help you during an unforeseen situation.

In this article, we talk about some of the best loan apps that have taken the market by storm and are changing the way Indians borrow! You can know more about these apps by giving this a read.


This is a great app for people looking for some quick cash or short-term loan, be it a financial emergency or credit crunch. Unlike most other loan apps, SmartCoin offers loans to people from all walks of life. That means you can avail of a loan if you are a salaried individual, support staff, business owner, etc.

The app is very easy to operate, and the lending platform is completely digital and hassle-free. You just need to upload all the necessary documents online and your application gets approved within minutes. Once approved, you can apply for a loan of up to ₹1,00,000.

There is no minimum limit on the salary you earn while applying for a loan on SmartCoin, and hence, anyone can apply. The best part is that you are not required to submit any collaterals or securities, nor is your credit score the only eligibility factor here.

SmartCoin was launched with a mission to provide financial inclusion to the underserved market in India. The company is supported by reputed fintech investors like LGT Lightstone, Accion Venture Lab, Unicorn India Ventures, etc. SmartCoin has been recognized nationally and internationally for its efforts at Google’s Launchpad Accelerator, Global Inclusive50 by MetLife, VISA, IFC, etc.


EarlySalary is a unique personal loan app for salaried professionals and this app provides a loan amount up to ₹5,00,000 for all your needs. This start-up also allows you to pay back the loan in easy EMIs within 24 months.


MoneyTap has a feature called “no-usage-no-interest,” which means that you are charged interest only on the amount of money used. Once you upload your documents and get the approval, you are given a credit line that you can use according to your needs.

MoneyTap currently serves Bangalore, NCR, Mumbai, Hyderabad, etc. cities in India. However, you need to earn a minimum of ₹30,000 a month to qualify for a loan.


With KreditBee, you can borrow an amount as little as ₹1000 and as much as ₹2 lakh. Anyone above 18 years and earning at least ₹10,000 per month can apply for a loan on their app.

The entire process happens on the app, and there is no need for physical verification. After uploading the necessary documents, you need to wait for verification and approval. Once approved, the loan amount is disbursed to your bank account.

Apart from the apps mentioned above, there are several others that offer instant personal loans in the blink of an eye. With increasing consumer awareness and acceptance, the market has grown over the past few years and welcomed several new players.

Times really are changing, and personal loan apps are ensuring that fast and easy cash loans in India become a reality!


  • Jagdish ayadi

    December 31, 2021

    Loan required

  • Yuvarani jayakumar

    June 4, 2022



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