30 Days Loan Apps: Quick Cash Solutions with Flexible Repayment At Lowest Rates for 2025

30 days loan apps in India let people borrow small amounts of money (₹1,000 to ₹50,000) for 30 days. These phone apps make it easy to get money quickly - receiving an instant cash loan in your account takes just a few minutes. With features like paperless applications, AI-driven approvals, and flexible repayment options, these apps cater to salaried and self-employed individuals. Most apps require basic KYC documentation and offer competitive interest rates starting from 0.1% per day, making them an accessible option for emergency funds.

List of Top Latest 30 Days Loan Apps in 2025

The digital lending landscape in India has evolved significantly, offering borrowers multiple options for short-term loans. These quick loan apps combine technology with financial services to provide quick, paperless loan solutions that cater to urgent cash needs while maintaining transparency and security.

App Name	Rating
NobrokerInstaCash	4.5/5
MoneyTap	4.4/5
CASHe	4.3/5
EarlySalary	4.4/5
PayMe India	4.2/5
FlexSalary	4.3/5
LazyPay	4.5/5
KreditBee	4.1/5
SmartCoin	4.2/5
LoanTap	4.3/5
StashFin	4.2/5
Navi	4.4/5
PaySense	4.3/5
IndiaLends	4.1/5
i2iFunding	4.0/5

15 Best 30 Days Loan Apps for Instant Cash in 2025

In today’s fast-paced world, instant cash solutions are essential for financial emergencies. This guide highlights the top 10 30-day loan apps of 2025, offering quick approval, flexible repayment, and user-friendly interfaces. Discover the best loan apps in India to effortlessly meet your short-term financial needs.

1. NoBroker InstaCash

NoBroker has emerged as a leading digital lending platform, offering hassle-free short-term loans with competitive interest rates. The app stands out for its quick verification process and transparent fee structure, making it a preferred choice for users seeking instant cash solutions with minimal documentation requirements.

Quick Info: NoBroker InstaCash

Parameter	Details
Loan Amount Range	₹1,000 - ₹25,000
Interest Rate	0.1% - 1% per day
Processing Fee	2-5% of loan amount
Eligibility	Age 21-55, Monthly income ₹15,000+
Disbursal Time	Within 15 minutes
Rating	4.5/5

Pros:

• Instant approval process
• Minimal documentation
• 24/7 customer support

Cons:

• Limited to salaried individuals
• Higher interest rates for first-time borrowers

2. MoneyTap

MoneyTap offers a unique credit line approach to short-term lending, allowing users to borrow money as needed within their approved limit. The app stands out for its competitive interest rates and flexible repayment options, making it an excellent choice for salaried professionals seeking quick funds.

Quick Info: MoneyTap

Parameter	Details
Loan Amount Range	₹3,000 - ₹50,000
Interest Rate	1.08% - 2.5% per month
Processing Fee	1-2% of loan amount
Eligibility	Age 23-55, Monthly income ₹20,000+
Disbursal Time	2 hours maximum
Rating	4.4/5

Pros:

• Flexible credit line facility
• Lower interest rates for returning customers
• No prepayment charges

Cons:

• Higher-income eligibility criteria
• Limited availability in tier-2 cities

3. CASHe

CASHe stands out in digital lending with its AI-powered social behaviour scoring system, making loans accessible to young professionals and first-time borrowers. The platform evaluates creditworthiness beyond traditional CIBIL scores, considering factors like employment stability and social media presence. With instant disbursals and minimal documentation requirements, CASHe offers loans up to ₹30,000 with transparent terms and flexible repayment options.

Quick Info: CASHe

Parameter	Details
Loan Amount Range	₹2,000 - ₹30,000
Interest Rate	2.5% - 3% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 21-58, Monthly income ₹15,000+
Disbursal Time	10-15 minutes
Rating	4.3/5

Pros:

• Alternative credit assessment
• Quick disbursal process
• Available for low CIBIL scores

Cons:

• Slightly higher interest rates
• Requires employment verification

4. EarlySalary

EarlySalary pioneered the concept of salary advances in India's digital lending space. The app addresses young professionals' short-term financial needs with instant loans up to ₹40,000. Their unique selling proposition is the salary-linked repayment system, offering competitive interest rates and flexible tenure options. The platform's advanced algorithm ensures quick approval while maintaining robust security protocols.

Quick Info: EarlySalary

Parameter	Details
Loan Amount Range	₹5,000 - ₹40,000
Interest Rate	0.9% - 2.5% per month
Processing Fee	1.5-3% of loan amount
Eligibility	Age 21-55, Monthly income ₹18,000+
Disbursal Time	Within 30 minutes
Rating	4.4/5

Pros:

• Salary-based easy approval
• Flexible repayment options
• No guarantor required

Cons:

• Limited to salaried individuals
• Requires company verification

5. PayMe India

PayMe India specializes in instant micro-loans with a focus on accessibility and speed. The platform has streamlined its verification process to provide loans within minutes, requiring minimal documentation. Their innovative risk assessment model allows them to serve customers across various income brackets. With loan amounts ranging from ₹1,000 to ₹25,000, PayMe India caters to immediate small financial needs with transparent terms.

Quick Info: PayMe India

Parameter	Details
Loan Amount Range	₹1,000 - ₹25,000
Interest Rate	2% - 3% per month
Processing Fee	2-4% of loan amount
Eligibility	Age 21-60, Monthly income ₹12,000+
Disbursal Time	5-30 minutes
Rating	4.2/5

Pros:

• Lower-income eligibility criteria
• Fast verification process
• Multiple repayment options

Cons:

• Higher interest rates
• Limited loan amount for first-time users

6. FlexSalary

FlexSalary transforms the digital lending experience with its customizable loan solutions and user-centric approach. The platform offers loans up to ₹35,000 with flexible repayment terms tailored to borrowers' salary cycles. Their transparent fee structure and intuitive interface make the borrowing process straightforward. FlexSalary's robust verification system ensures quick approvals while maintaining security standards.

Quick Info: FlexSalary

Parameter	Details
Loan Amount Range	₹4,000 - ₹35,000
Interest Rate	1.5% - 2.8% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 23-58, Monthly income ₹15,000+
Disbursal Time	Within 1 hour
Rating	4.3/5

Pros:

• Customizable repayment schedules
• Clear fee structure
• Good customer support

Cons:

• Moderate interest rates
• Limited availability in some states

7. LazyPay

LazyPay integrates short-term lending with digital payments, offering a unique buy-now-pay-later service. The platform stands out with its interest-free period option on certain transactions. With instant credit decisions and seamless integration across multiple merchants, LazyPay provides loans up to ₹20,000. Their innovative approach combines convenience with flexibility, making it ideal for digital-savvy users.

Quick Info: LazyPay

Parameter	Details
Loan Amount Range	₹1,000 - ₹20,000
Interest Rate	0% - 2.5% per month
Processing Fee	1.5-3% of loan amount
Eligibility	Age 21-55, Monthly income ₹15,000+
Disbursal Time	Instant
Rating	4.5/5

Pros:

• Interest-free period available
• Integrated payment solution
• Quick Activation

Cons:

• Lower loan limits
• Strict approval criteria

8. KreditBee

KreditBee democratizes personal lending by serving both salaried and self-employed individuals. Their advanced verification system processes loans up to ₹45,000 within minutes. The platform's inclusive approach, competitive interest rates, and flexible tenure options make it accessible to a broader audience. KreditBee's automated assessment ensures fair evaluation while maintaining quick processing times.

Quick Info: KreditBee

Parameter	Details
Loan Amount Range	₹3,000 - ₹45,000
Interest Rate	1.2% - 2.8% per month
Processing Fee	2-4% of loan amount
Eligibility	Age 21-60, Monthly income ₹12,000+
Disbursal Time	15-30 minutes
Rating	4.1/5

Pros:

• Available for self-employed
• Quick document verification
• Multiple tenure options

Cons:

• Variable interest rates
• Processing fee on the higher side

9. SmartCoin

SmartCoin leverages cutting-edge machine-learning algorithms to revolutionize credit assessment. The platform analyses alternative data points beyond traditional credit scores, making loans accessible to users with limited credit history. Offering loans up to ₹30,000, Smart Coin’s dynamic credit limit system rewards timely repayments with increased loan amounts and better rates, ensuring a fair and progressive lending experience.

Quick Info: SmartCoin

Parameter	Details
Loan Amount Range	₹1,000 - ₹30,000
Interest Rate	2% - 3.5% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 21-55, Monthly income ₹10,000+
Disbursal Time	Within 20 minutes
Rating	4.2/5

Pros:

• AI-based credit assessment
• Lower-income requirement
• Incremental loan limits

Cons:

• Higher interest rates initially
• Smaller initial loan amounts

10. LoanTap

LoanTap delivers a comprehensive digital lending solution focusing on transparency and efficiency. Their 30-day loan product offers up to ₹50,000 with competitive interest rates. The platform's advanced underwriting process ensures accurate risk assessment while maintaining quick processing times. LoanTap's structured approach combines traditional banking prudence with modern lending technology.

Quick Info: LoanTap

Parameter	Details
Loan Amount Range	₹5,000 - ₹50,000
Interest Rate	1.5% - 2.5% per month
Processing Fee	1.5-3% of loan amount
Eligibility	Age 23-58, Monthly income ₹20,000+
Disbursal Time	2-4 hours
Rating	4.3/5

Pros:

• Multiple loan products
• Competitive interest rates
• Flexible repayment terms

Cons:

• Higher-income requirement
• Longer processing time

11. StashFin

StashFin combines traditional lending with modern fintech solutions, offering a digital credit line up to ₹50,000. Their unique selling point is the hybrid model that provides both instant loans and a revolving credit facility. With competitive interest rates and flexible repayment options, StashFin caters to young professionals seeking quick funds. Their AI-powered risk assessment ensures fast approvals while maintaining robust security protocols.

Quick Info: StashFin

Parameter	Details
Loan Amount Range	₹2,000 - ₹50,000
Interest Rate	1.5% - 2.8% per month
Processing Fee	2-3% of loan amount
Eligibility	Age 23-55, Monthly income ₹15,000+
Disbursal Time	Within 30 minutes
Rating	4.2/5

Pros:

• Combined credit line facility
• Zero foreclosure charges
• Flexible withdrawal options

Cons:

• Higher interest for new users
• Limited availability in certain regions

12. Navi

Navi disrupts the digital lending space with its fully automated loan processing system. The platform leverages advanced data analytics to offer personalized loan amounts and interest rates. Their standout feature is the 100% digital journey from application to disbursal, requiring minimal human intervention. With transparent pricing and instant decisions, Navi serves salaried and self-employed professionals seeking quick funds.

Quick Info: Navi

Parameter	Details
Loan Amount Range	₹5,000 - ₹40,000
Interest Rate	1.2% - 2.5% per month
Processing Fee	1.5-2.5% of loan amount
Eligibility	Age 21-58, Monthly income ₹12,000+
Disbursal Time	10-15 minutes
Rating	4.4/5

Pros:

• Fully automated process
• Competitive interest rates
• Quick repayment benefits

Cons:

• Strict documentation requirements
• No physical support centres

13. PaySense

PaySense revolutionizes personal lending with its dynamic credit assessment model. The app offers customized loan solutions based on user profiles and spending patterns. Their innovative approach includes a rewards program for timely repayments and increasing credit limits automatically. PaySense's advanced encryption ensures data security while providing a seamless borrowing experience for urban professionals.

Quick Info: PaySense

Parameter	Details
Loan Amount Range	₹3,000 - ₹45,000
Interest Rate	1.8% - 2.9% per month
Processing Fee	2-4% of loan amount
Eligibility	Age 21-60, Monthly income ₹18,000+
Disbursal Time	Within 2 hours
Rating	4.3/5

Pros:

• Rewards Program
• Automatic credit limit increase
• Flexible tenure options

Cons:

• Higher-income requirement
• Complex reward structure

14. IndiaLends

IndiaLends stands out with its comprehensive credit assessment platform that connects borrowers with multiple lenders. The app utilizes machine learning algorithms to match users with the most suitable loan offers. Their unique marketplace approach ensures competitive rates and terms while maintaining a quick and efficient application process for short-term loans.

Quick Info: IndiaLends

Parameter	Details
Loan Amount Range	₹4,000 - ₹35,000
Interest Rate	1.3% - 2.7% per month
Processing Fee	1.5-3% of loan amount
Eligibility	Age 23-55, Monthly income ₹15,000+
Disbursal Time	2-4 hours
Rating	4.1/5

Pros:

• Multiple lender options
• Competitive rates
• Customized loan offers

Cons:

• Longer processing time
• Variable terms across lenders

15. i2iFunding

i2iFunding introduces peer-to-peer lending concepts to short-term loans, offering unique interest rates based on community lending patterns. The platform connects borrowers directly with lenders while maintaining professional standards and regulatory compliance. Their innovative risk assessment model considers traditional and alternative data points to determine creditworthiness.

Quick Info: i2iFunding

Parameter	Details
Loan Amount Range	₹3,000 - ₹30,000
Interest Rate	1.5% - 3% per month
Processing Fee	2-3.5% of loan amount
Eligibility	Age 21-58, Monthly income ₹12,000+
Disbursal Time	Within 24 hours
Rating	4.0/5

Pros:

• Unique P2P lending model
• Transparent lending process
• Community-based rates

Cons:

• Longer approval time
• Variable fund availability

Benefits of 30 Days Loan Apps

The evolution of digital lending has brought numerous advantages for borrowers seeking short-term financial solutions. Here's how these apps are making a difference in the personal loan landscape:

• Quick Access to Funds: Get instant cash disbursals within minutes of approval, perfect for emergency expenses and urgent financial needs.
• Minimal Documentation: Digital KYC and paperless processes eliminate the need for extensive documentation, saving time and effort.
• Flexible Repayment Options: For hassle-free payments, choose from various repayment methods, including UPI, net banking, or auto-debit facilities.
• 24/7 Availability: Access loans any time of the day or night, making it convenient for users facing urgent cash requirements.
• Transparent Fee Structure: A clear breakdown of interest rates, processing fees, and other charges helps make informed borrowing decisions.

How to Choose the Right 30 Days Loan App

Selecting the appropriate loan app requires careful consideration of various factors to ensure a safe and beneficial borrowing experience:

• Verify Legitimacy: Check if the app is RBI-registered and has proper licenses to operate as a digital lender in India.
• Compare Interest Rates: Look beyond the advertised rates and calculate the effective annual interest rate, including all fees.
• Read User Reviews: Research customer feedback and ratings on app stores and financial forums to gauge user experience and reliability.
• Check Security Features: Ensure the app has robust data protection measures and follows privacy guidelines for handling sensitive information.
• Evaluate Customer Support: Test the responsiveness and effectiveness of customer service before committing to the loan.

How to Apply for a 30 Days Loan Using These Apps

The application process for most 30-day loan apps follows a straightforward path designed for user convenience:

• Download and Install: Choose your preferred app from the Google Play Store or Apple App Store and complete the installation.
• Registration: Create an account using your mobile number and complete the basic KYC verification process.
• Document Submission: Upload required documents, including ID proof, address proof, and income statements, digitally.
• Loan Application: Select your desired loan amount and tenure, then apply for processing.
• Verification: Wait for the automated system to verify your details and approve your loan application.

What you should know?

30 Days Loan Apps offer a practical solution for individuals seeking quick cash with flexible repayment options. These apps bridge the gap during financial emergencies, providing convenience, speed, and easy access. By enabling users to borrow and repay within a month, they ensure manageable debt cycles while catering to short-term financial needs. However, using them responsibly and understanding terms and fees is essential to avoid unnecessary debt. With proper planning, these apps can be a reliable tool for financial flexibility. Explore the options, make informed decisions, and let these modern solutions empower your financial journey.

Frequently Asked Questions