15 Quick Loan Apps List: Access Fast Loans Anytime, Anywhere with Low Interest Rates for 2025

Quick loan apps have transformed financial access. They offer instant approvals, minimal paperwork, and quick disbursals, making them ideal for emergencies like medical bills or unexpected repairs. With competitive interest rates and user-friendly interfaces, they cater to diverse needs efficiently. Unlike traditional instant cash loans, these apps eliminate lengthy waiting times, providing funds within minutes. 

With interest rates ranging from 9% to 18% annually, these apps ensure transparency, empowering users to make informed choices. Whether managing cash flow or addressing urgent expenses, these quick cash applications offer a seamless borrowing experience tailored to modern lifestyles. This article explores the top quick loan apps list and how to choose the right one for your needs.

List of Top Latest Quick Loan Apps 

The best quick loan app instantly offers hassle-free access to funds, making them ideal for emergencies. With simple application processes and minimal documentation, these platforms are gaining popularity. Here’s a list of the best loan apps in India: 

App Name	Rating
NoBrokerInstaCash	5/5
MoneyTap	4.3/5
MoneyView	4.4/5
CASHe	4.3/5
PayMe India	4.2/5
EarlySalary	4.1/5
KreditBee	4.0/5
LazyPay	4.0/5
StashFin	3.9/5
SmartCoin	3.8/5
Nira Finance	3.7/5
LoanTap	3.6/5
PaySense	4.2/5
Buddy Loan	3.4/5
TrueBalance	3.3/5

Top 15 Quick Loan Apps for Instant Cash in 2025 

Quick loan apps provide a fast and convenient way to access cash during emergencies. Below are the top 15 emergency loan app lists in 2025:

1. NoBroker InstaCash

NoBroker InstaCash, launched by NoBroker Technologies Solutions Pvt Ltd, offers personal loans up to ₹10 lakhs with competitive interest rates starting at 12.99% per annum. It provides instant personal loans with quick disbursal, flexible EMI options, and a fully digital process with minimal documentation. Users can withdraw funds anytime, pay interest only on the amount used, and repay without extra costs. The app's user-friendly interface, transparency, and partnership with RBI-authorized NBFCs ensure secure and hassle-free transactions, setting it apart from traditional loan applications.

Quick Info Table of NoBroker 

Category	Details
Loan Amount Range	Up to ₹10 Lakh
Interest Rate	12.99% onwards
Processing Fee	2% to 8%
Eligibility	Minimum 23 years old
Disbursal Time	Instant
Rating	5/5
Pros	Credit line up to ₹10 Lakh, instant disbursal
Cons	Maximum limit ₹10 Lakh

2. MoneyTap

Launched in 2017, MoneyTap is India's first app-based personal credit line platform, offering instant and flexible personal loans up to ₹5 lakh. Using this fast loan application, users can transfer money to their bank accounts within seconds and repay it in EMIs over 3 to 36 months. The app provides a credit line without collateral or guarantors, and users pay interest only on the amount used. MoneyTap partners with multiple banks and NBFCs to offer competitive interest rates, standing out with its easy and transparent lending process.  

Quick Info Table of Instacash

Category	Details
Loan Amount Range	₹3,000 - ₹5,00,000
Interest Rate	1.08% - 1.25% per month
Processing Fee	No processing fee
Eligibility	Salaried & Self-employed individuals
Disbursal Time	Instant
Rating	4.5/5
Pros	No collateral is required, interest only on used amount, flexible repayment options
Cons	Higher interest rates for lower credit scores

3. MoneyView

MoneyView is a digital lending platform established in 2015 in Bengaluru, India. This quick loan application allows you to apply for various loans, such as personal loans, credit tracking, and investment options. Supported by a team of over 100 employees, MoneyView uses technology to offer tailored financial solutions. It is renowned for its user-friendly interface and high customer satisfaction, making it a preferred choice for managing personal finances.

Quick Info Table of MoneyView

Category	Details
Loan Amount Range	₹5,000 to ₹10,00,000
Interest Rate	Starting at 14% p.a
Processing Fee	2% of the loan amount
Eligibility	Minimum 21 years old, CIBIL score 650
Disbursal Time	Instant
Rating	4.4/5
Pros	Quick disbursal, minimal documentation, flexible repayment options
Cons	Higher interest rates for smaller loans

4. CASHe

Established in 2016 by V. Raman Kumar, CASHe is a digital lending platform that provides instant personal loans and salary advances. The app offers loans up to ₹3 lakh with flexible repayment options and instant loan approval processes. CASHe uses a proprietary algorithm to assess creditworthiness based on social behaviour and other non-traditional data points, providing loans without collateral or guarantors. The mobile app also offers features like loan tracking and reminders, making it convenient and accessible for users needing short-term credit solutions.

Quick Info Table of CASHe

Category	Details
Loan Amount Range	₹1,000 - ₹4 lakhs
Interest Rate	18% p.a. onwards
Processing Fee	0% - 2%
Eligibility	Indian residents, age 21-60, minimum salary ₹25,000/month, credit score 750+
Disbursal Time	Within 24 hours
Rating	4.5/5
Pros	Quick approval, minimal documentation, 100% digital process, flexible tenure
Cons	Interest rates may vary based on creditworthiness

5. PayMe India

Launched in 2016, PayMe India is a digital lending platform that offers instant personal loans and salary advances. The app provides loans up to ₹2 lakh with flexible repayment terms and quick approval processes. PayMe India uses advanced algorithms to assess creditworthiness and ensures a seamless borrowing experience. The platform focuses on providing easy access to credit for salaried professionals, differentiating itself with its user-centric design and top-efficient service.

Quick Info Table of PayMe India

Category	Details
Loan Amount Range	₹1,000 - ₹5 lakhs
Interest Rate	12% p.a. onwards
Processing Fee	0% - 2%
Eligibility	Indian residents, age 21-60, minimum salary ₹15,000/month, credit score 750+
Disbursal Time	Within 24 hours
Rating	4.5/5
Pros	Quick approval, minimal documentation, 100% digital process, flexible tenure
Cons	Interest rates may vary based on creditworthiness

6. EarlySalary

Founded in 2016, EarlySalary (now Fibe) is a fintech startup based in Pune. It caters to young working professionals by providing instant cash loans up to ₹5 lakh. The platform offers flexible repayment options and monthly interest rates starting at 1.5%. EarlySalary is distinguished by its rapid loan disbursal, often transferring funds with instant approval and a user-friendly interface. Additional features include EMI-based loans for travel and shopping, credit score checks, and financial wellness tools. EarlySalary aims to support the financial needs of mid-income groups, helping them achieve their aspirations through easy access to credit.

Quick Info Table of  EarlySalary

Category	Details
Loan Amount Range	₹50,000 - ₹5,00,000
Interest Rate	1.5% - 3% per month
Processing Fee	3% + GST
Eligibility	Salaried & Self-employed individuals
Disbursal Time	Within minutes
Rating	05-Apr-24
Pros	Quick approval, minimal documentation, flexible repayment options
Cons	Higher interest rates for lower credit scores

7. KreditBee

Founded in 2016, KreditBee is a digital lending platform based in Bangalore. It provides instant personal loans up to ₹5 lakhs with flexible repayment options and interest rates starting at 1.5% per month. KreditBee is distinguished by its fully digital process, quick approval, and immediate fund transfer. Being one of the RBI-approved loan apps in India, it uses advanced technology for credit evaluation, ensuring a seamless borrowing experience. KreditBee partners with RBI-registered NBFCs to offer secure and transparent transactions. The app includes features like loan amount tracking, credit score checks, and financial wellness tools, making it a go-to choice for quick and convenient personal loans.

Quick Info Table of  KreditBee

Category	Details
Loan Amount Range	₹1,000 - ₹5 lakhs
Interest Rate	17% p.a. onwards
Processing Fee	0% - 2%
Eligibility	Indian residents, age 21-60, minimum salary ₹10,000/month, credit score 750+
Disbursal Time	Within 24 hours
Rating	4.6/5
Pros	Quick approval, minimal documentation, 100% digital process, flexible tenure
Cons	Interest rates may vary based on creditworthiness

8. LazyPay

LazyPay is a digital lending platform based in Bengaluru, India, and part of PayU, a prominent fintech company. Founded to simplify access to credit, It offers instant personal loans, pay-later options, and bill payments. The app features 100% paperless processing, one-tap payments, and flexible EMIs, providing a seamless borrowing experience. Known for its user-friendly interface and quick disbursal, LazyPay is a popular choice for meeting instant credit needs with the best user experience.

Quick Info Table of LazyPay

Category	Details
Loan Amount Range	₹3,000 - ₹5 lakhs
Interest Rate	12% p.a. onwards
Processing Fee	0% - 2%
Eligibility	Indian residents, age 21-60, minimum salary ₹15,000/month, credit score 750+
Disbursal Time	Within 24 hours
Rating	4.3/5
Pros	Quick approval, minimal documentation, 100% digital process, flexible tenure
Cons	Interest rates may vary based on creditworthiness

9. StashFin

StashFin is a digital lending platform based in Bengaluru, India, under Akara Capital Advisors Private Limited, an NBFC registered with the RBI. Established to deliver fair, fast, and affordable financial products, StashFin offers emergency loans up to ₹5 lakhs with flexible repayment options. This best quick loan app prioritises a fully digital process, swift disbursal, and transparent pricing. Focusing on financial inclusion, StashFin strives to assist individuals in managing their finances efficiently.

Quick Info Table of StashFin

Category	Details
Loan Amount Range	₹1,000 - ₹5,00,000
Interest Rate	11.99% p.a. onwards
Processing Fee	0% - 2%
Eligibility	Indian residents, age 21-60, minimum salary ₹15,000/month, credit score 750+
Disbursal Time	Within 24 hours
Rating	4.5/5
Pros	Quick approval, minimal documentation, 100% digital process, flexible tenure
Cons	Interest rates may vary based on creditworthiness

10. SmartCoin

SmartCoin, now known as Olyv, is a digital lending platform based in Bengaluru, India. Established in 2015, the app offers instant personal loans up to ₹5 lakhs. Leveraging data science and machine learning, SmartCoin evaluates borrowers' risk profiles in real-time. This quick money loan app collaborates with RBI-registered NBFCs to guarantee secure and efficient loan processing. SmartCoin's mission is to provide financial access to millions of mobile users across India. 

Quick Info Table of  SmartCoin

Category	Details
Loan Amount Range	₹1,000 - ₹5,00,000
Interest Rate	18% p.a. onwards
Processing Fee	2% - 12%
Eligibility	Indian residents, age 21-60, minimum salary ₹15,000/month, credit score 750+
Disbursal Time	Within 24 hours
Rating	4.6/5
Pros	Quick approval, minimal documentation, 100% digital process, flexible tenure
Cons	Interest rates may vary based on creditworthiness

11. Nira Finance

Founded in 2015, PaySense is a Mumbai-based financial services startup offering instant personal loans up to ₹5 lakh. Flexible repayment options and interest rates start at 1.5% per month. The platform utilises advanced data science to provide credit without complex application processes, making it accessible to first-time borrowers. The PaySense quick money loan app collaborates with leading banks and NBFCs to ensure secure transactions and offers features like loan tracking, credit score checks, and financial wellness tools.

Quick Info Table of Nira Finance

Category	Details
Loan Amount Range	₹5,000 - ₹1 lakh
Interest Rate	2% per month onwards
Processing Fee	0% - 2%
Eligibility	Indian residents, age 21-55, minimum salary ₹11,000/month, credit score 750+
Disbursal Time	Within 24 hours
Rating	4.3/5
Pros	Quick approval, minimal documentation, 24/7 availability, flexible tenure
Cons	Interest rates may vary based on creditworthiness

12. LoanTap

Founded in 2017, LoanTap is a Bangalore-based digital lending platform offering up to ₹10 lakh personal loans. It provides flexible repayment options and monthly interest rates starting at 1.5%. LoanTap is known for its fully digital process, quick approval, and immediate fund transfer. This quick personal loan app offers a wide range of loan products, including personal, EMI-free, medical, and business loans. LoanTap partners with RBI-registered NBFCs to ensure secure transactions and provides features like loan tracking, credit score checks, and financial wellness tools.

Quick Info Table of LoanTap

Category	Details
Loan Amount Range	₹50,000 - ₹10 lakhs
Interest Rate	12% p.a. onwards
Processing Fee	0% - 2%
Eligibility	Indian residents, age 21-60, minimum salary ₹30,000/month, credit score 750+
Disbursal Time	Within 24-36 hours
Rating	4.4/5
Pros	Quick approval, minimal documentation, flexible repayment options, no collateral required
Cons	Interest rates may vary based on creditworthiness

13. PaySense

PaySense, founded in 2015 by Nitin Gupta and Prashanth Ranganathan in Mumbai, is a financial services startup designed to provide simple and transparent access to credit. The app offers instant personal loans up to ₹5 lakhs with interest rates starting at 1.5% per month and flexible repayment options. PaySense is known for its user-friendly interface, quick approvals within 2 working hours, and minimal documentation. Users can easily manage loans with features like EMI reminders and auto-debits. By utilising advanced data science, PaySense simplifies the borrowing process, making it accessible for first-time borrowers and ensuring secure transactions with leading banks and NBFCs.

Quick Info Table of PaySense

Category	Details
Loan Amount Range	₹50,000 - ₹5,00,000
Interest Rate	1.25% - 3% per month
Processing Fee	3% + GST
Eligibility	Salaried & Self-employed individuals
Disbursal Time	2 working hours
Rating	05-Apr-24
Pros	Quick approval, minimal documentation, flexible repayment options
Cons	Higher interest rates for lower credit scores

14. Buddy Loan

Buddy Loan, headquartered in Bengaluru, India, is a digital lending platform that Bvalue Services PVT LTD established. Designed among the quick cash loan apps, Buddy Loan provides personal loans up to ₹15 lakhs and business loans up to ₹50 lakhs. The app, with over 10 million downloads, features a fully digital process, instant disbursal, and competitive interest rates starting at 11.99% p.a. Offering flexible repayment options and minimal documentation, Buddy Loan serves both salaried professionals and self-employed individuals, ensuring a seamless borrowing experience.

Quick Info Table of Buddy Loan

Category	Details
Loan Amount Range	₹10,000 - ₹15 lakhs
Interest Rate	11.99% p.a. onwards
Processing Fee	0.5% - 4%
Eligibility	Indian residents, age 21-60, minimum salary ₹15,000/month, credit score 750+
Disbursal Time	Within 48 hours
Rating	4.5/5
Pros	Quick approval, minimal documentation, no prepayment penalties, flexible tenure
Cons	Interest rates may vary based on creditworthiness

15. TrueBalance

TrueBalance, headquartered in Gurugram, India, is a digital lending platform operated by Balancehero India Private Limited and True Credits Private Limited (an RBI-licensed NBFC). Founded in 2014, TrueBalance offers instant personal loans up to ₹1.25 lakhs, quick bill payments, and recharge services. The quick cash loan app emphasises a fully digital process and secure transactions. With over 70 million app downloads, TrueBalance aims to provide financial support during emergencies and promote financial inclusion.

Quick Info Table of TrueBalance

Category	Details
Loan Amount Range	₹5,000 - ₹1,25,000
Interest Rate	2.4% per month onwards
Processing Fee	0% - 12%
Eligibility	Indian residents, age 21-60, minimum salary ₹15,000/month, credit score 750+
Disbursal Time	Within 48 hours
Rating	4.4/5
Pros	Quick approval, minimal documentation, 24/7 availability, flexible tenure
Cons	Interest rates may vary based on creditworthiness

Benefits of Quick Loan Apps 

Quick loan apps provide fast and convenient access to funds, making them appealing for individuals facing urgent financial needs. These apps streamline the borrowing process, often requiring minimal documentation and approval within minutes. Below are some key benefits:

• Instant Approval and Disbursal: Quick loan apps often provide immediate approval and quick disbursal of funds, ensuring that you can access cash in emergencies without the typical waiting periods associated with traditional loans.
• Minimal Documentation: Quick loan apps require minimal documentation, unlike traditional bank loans. This streamlines the application process and makes it easier for users to get the necessary funds without extensive paperwork.
• Flexible Repayment Options: These apps offer flexible repayment terms, allowing borrowers to choose repayment schedules that suit their financial situation. This flexibility helps in managing loan repayments without added stress.
• User-Friendly Interface: Quick loan apps are designed with user convenience in mind. Their interfaces are typically intuitive and easy to navigate, making the loan application process straightforward, even for those who may not be tech-savvy.
• Accessible Anytime, Anywhere: One major advantage is the ability to apply for loans from the comfort of your home or on the go. These fast personal loan apps are accessible 24/7, providing a hassle-free way to secure funds whenever needed.

How to Choose the Right Quick Loan App?

Choosing the right quick loan app can significantly improve your borrowing experience. Several factors should be considered to ensure you select an app that meets your financial needs and offers a seamless, secure process.

• Interest Rates and Fees: Look for an app that offers competitive interest rates and minimal processing fees. Higher interest rates and hidden fees can substantially increase the total cost of the loan. Compare rates across multiple apps to find the best deal and ensure transparency in their fee structures.
• Repayment Terms: Check the flexibility of the repayment options provided by the app. Flexible terms can help you manage your finances better without falling into a debt trap. Look for apps offering various repayment tenures and options to prepay the quick loan without hefty penalties.
• Customer Reviews and Ratings: Research customer reviews and ratings to gauge the app's reliability and user satisfaction. Positive reviews can indicate a trustworthy and efficient service. Pay attention to feedback about customer support, personal loan processing time, and user experience to avoid apps with frequent complaints.
• Loan Amount and Eligibility: Ensure the app offers the loan amount you need and has eligibility criteria that you can meet. Some apps may have stringent eligibility requirements that might not suit everyone. Verify if the app caters to your specific financial needs, whether you need a small emergency loan or a larger amount for major expenses.
• Security and Privacy: Verify that the app has robust security measures to protect your personal and financial information. Look for apps that comply with RBI guidelines and have clear privacy policies. Ensure the app uses encryption and other security protocols to safeguard your data from breaches and unauthorised access.

How to Apply for a Quick Loan Using These Apps?

Applying for a quick loan using loan apps is a streamlined process designed for ease and convenience. Here's a step-by-step guide to help you navigate through:

• Step 1: Download the App: Visit the Google Play Store or Apple App Store, search for the loan app you want, and download it to your smartphone.
• Step 2: Register an Account: Open the app and create a new account by providing basic details like your name, email address, and phone number. Some apps may require you to verify your email and phone number.
• Step 3: Complete Your Profile: Fill in additional personal information, such as your date of birth, residential address, employment details, and income.
• Step 4: Upload Required Documents: Most loan apps require you to upload documents such as an Aadhaar card, PAN card, salary slips, and bank statements. Ensure all documents are clear and legible.
• Step 5: Select Loan Amount and Terms: Choose the loan amount you need and select the repayment tenure that suits your financial capability.
• Step 6: Submit Application: Review the information you provided and submit your loan application. Some apps may require you to complete a KYC process, either online or in person.
• Step 7: Wait for Approval: The app will process your application and notify you of the approval status. This usually happens within a few hours to a couple of days.
• Step 8: Receive Funds: Once approved, the loan amount will be directly transferred to your bank account. You can start using the funds for your needs.

How NoBroker Can Help?

The quick loan apps​ list offers some of the best apps that offer simplified access to credit, making it easier for individuals to tackle financial emergencies or meet short-term needs without hassle. With their instant approvals, minimal documentation, and transparent processes, these quick loan apps​ offer modern borrowers a reliable and efficient solution. 

Whether you need funds for unexpected expenses or planned expenditures, quick loan apps provide a convenient way to bridge financial gaps. Before getting a loan, explore your options, compare interest rates, and choose the app that best suits your needs to make borrowing stress-free.

Frequently Asked Questions