Introduction

India me personal loan lena ab pehle se bahut easy ho gaya hai. Ab aapko bank branch me documents lekar line me lagne ki zarurat nahi. Sirf ek loan app download karo, KYC complete karo, aur minutes me approval + disbursal mil jata hai.

2025 me multiple RBI-approved personal loan apps available hain jo low interest rate, fast approval aur flexible repayment ke sath aati hain.

Chaliye dekhte hain Top Personal Loan Apps in India 2025 aur unke interest rate comparison.


👇👇👇 Download Link Niche Hai 👇👇👇

Top 7 Best Personal Loan Apps in India (2025)

1. PaySense

  • Loan Amount: ₹5,000 – ₹5,00,000

  • Interest Rate: 16% – 36% p.a.

  • Tenure: 3 – 60 months

  • USP: Instant approval, no credit history required for small loans

2. CASHe

  • Loan Amount: ₹7,000 – ₹4,00,000

  • Interest Rate: 12% – 30% p.a.

  • Tenure: 3 – 18 months

  • USP: Best for salaried professionals, instant salary advance

3. MoneyTap

  • Loan Amount: Up to ₹5,00,000 (credit line)

  • Interest Rate: 13% – 24% p.a. (only on used amount)

  • Tenure: 2 – 36 months

  • USP: Revolving credit line, pay interest only on borrowed money

4. KreditBee

  • Loan Amount: ₹1,000 – ₹3,00,000

  • Interest Rate: 15% – 29.95% p.a.

  • Tenure: 2 – 15 months

  • USP: Suitable for students & young professionals, small ticket loans

5. Navi Personal Loan App

  • Loan Amount: ₹10,000 – ₹5,00,000

  • Interest Rate: Starting 9.9% p.a.

  • Tenure: 3 – 72 months

  • USP: Lowest interest rates, 100% paperless process

6. EarlySalary (Fibe)

  • Loan Amount: ₹5,000 – ₹5,00,000

  • Interest Rate: 12% – 26% p.a.

  • Tenure: 3 – 24 months

  • USP: Instant short-term loans for salaried employees

7. Dhani Loan App

  • Loan Amount: ₹3,000 – ₹15,00,000

  • Interest Rate: 13.99% – 36% p.a.

  • Tenure: 3 – 72 months

  • USP: High loan amount availability, instant disbursal

Interest Rate Comparison (2025)

Loan App Interest Rate (p.a.) Loan Amount Tenure
PaySense 16% – 36% ₹5k – ₹5L 3 – 60 months
CASHe 12% – 30% ₹7k – ₹4L 3 – 18 months
MoneyTap 13% – 24% Up to ₹5L 2 – 36 months
KreditBee 15% – 29.95% ₹1k – ₹3L 2 – 15 months
Navi 9.9% onwards ₹10k – ₹5L 3 – 72 months
EarlySalary 12% – 26% ₹5k – ₹5L 3 – 24 months
Dhani 13.99% – 36% ₹3k – ₹15L 3 – 72 months

Eligibility (General Criteria)

  • Age: 21 – 60 years

  • Minimum monthly income: ₹15,000 – ₹20,000 (depending on app)

  • PAN + Aadhaar mandatory

  • Bank account with salary/income proof



Expert Tips for Personal Loan Apps

✅ Always compare interest rate + processing fees before applying
✅ Borrow only what you need (avoid debt trap)
✅ Maintain good CIBIL score (750+) for best offers
✅ Prefer RBI-approved NBFCs & Banks for safety

FAQs

Q1. Kya students personal loan le sakte hain?
→ Haan, lekin mostly small-ticket loans (KreditBee, CASHe) milte hain, salaried guarantor ki zarurat ho sakti hai.

Q2. Kya instant loan apps safe hain?
→ Sirf RBI-approved apps hi use karo. Fraud apps avoid karo.

Q3. Konsa app sabse low interest rate deta hai?
→ 2025 me Navi Personal Loan App (9.9% p.a. onwards) sabse low rate deta hai.

Conclusion

2025 me personal loan lena apps ke through super easy ho gaya hai. Agar aapko short-term chhota loan chahiye toh CASHe ya KreditBee best hai. Agar aapko low interest long-term loan chahiye toh Navi aur MoneyTap best choice hain.

👉 Always borrow responsibly aur repayment time par karo to apna CIBIL score strong rakho.