How To Get Instant Personal Loan | Top 10 Instant Loan Giving App

How To Get Instant Personal Loan

How to get an instant personal loan online from SBI | Top 10 instant personal loan giving app in India: There are three possible ways to get an Instant Personal Loan. Borrow from an individual and apply to your current bank. But the third option is to download the Instant Personal Loan Giving App. It is the simple answer to your question "How TO Get Instant Personal Loan".

How to get an instant personal loan online from SBI | Top 10 instant personal loan giving app in India

Above ways, the third option is the best way to get Instant Personal Loan. Why? Discuss below.

Instant Personal Loan Giving Apps are the best for borrowing your requirements. Because It is secure and gives instant money to your bank.

In addition, it is 100% paperless, and you don't need to visit the bank door. 

So In this guide, we give you the Top 10 Instant Personal Loan Giving App list. Most of them have a lower interest rate, flexible EMI options, and provide loans without documents. 

Top 10 Instant Personal Loan Giving App


India's first instant loan app, "MoneyTap", starts a personal credit line. Furthermore, this app offers up to 5lacks instant loans, depending on your credit score.

Three IIT and ISB alumni students develop this loan app.

A few years ago, "MoneyTap" got an NBFC license from the (RBI) Reserve Bank of India. Hence, it is a genuine app for instant personal loans.

However, this app only charges interest on your withdrawal money from the credit line.


  • Withdraw money instantly without documents
  • Friendly chatbox for the simple and secure registration process
  • Lightning Fast money transfer after approval
  • No hidden charges
  • No usage, no interest 
  • Tenure range in between 3 and 36 months


  • Google recently delete this application for policy violation. 

Indiabulls Dhani

Indiabulls Dhani offers a maximum of 15 lakhs at 12% starting interest. That's why it is a Popular instant loan app for smartphones. And Sameer Gehlaut is the founder dhani app.

Moreover, it is a 3.5/5-star rating app that gives users a free loan transfer to any bank. 


  • Free to download
  • Interstate starts min 1.17% per month
  • Tenure range, 3 to 36 months
  • Industry-standard processing fee 1.5%
  • Refer and earn facility
  • 0% interest on monthly EMI
  • Earn points to convert in real cash


  • Poor customer care support


Payments service India Private Limited, a company located in Mumbai. Founded in 2015 but acquired by PayU for 185 million dollars.

Hence, this instant personal loan app is capable to offers up to 5lacks for any eligible individual. And this amount transfers directly to your bank account within an hour.


  • Offers 5000 to 2lack short term loans
  • per month interest rate less than 1.4%
  • No collateral is required for short term loans
  • People with no credit score also apply
  • Min salary per month 18K
  • 3.5/5 star rating


  • Processing fee higher than industrial standard


Another best instant personal loan app to apply online. Indeed, an Indian Software Developer, Nishanth Kumar, create this app for self-employers and job persons.

Honestly, It is very helpful for those looking for a hustle-free loan platform.

Not only that, Kreditbee completes every requires registration process online. But most importantly, this loan app offers up to 2lack loan amounts after eligibility. 


  • No need to invest cash or assets for loan
  • Borrow amount rs. 1000 to 2lack
  • Min earning requirement 15000 per month
  • Tenure range 62 days to 15 months
  • 128 bit SSL encryption for secure payments


  • Fewer Tenure duration


Trustworthy instant loan app in India. 

This application manages by a fintech company "Nirafinance".

But the process is very similar to the "MoneyTap" because the loan app both offers a credit line.

So that the interest-only applies to your withdrawal amount. 

It is a secure and 4.⅖ star rating app. Last year, this newly started app got funding of 1 million dollars.


  • Loan amount 5000-1lack maximum
  • It takes 3 minutes to transfer your borrow amount
  • Three months to 1 year repay duration
  • Interest vary 1.67% to 2.25% per month
  • Min age 21 to 65


  • Processing fee 500


An organization, P C Financial Services Private Limited, manages this personal loan application. Hence, every activity covers under the RBI.

Any self employer or job person applies for the Cash Bean instant personal loan. However, the Registration process is fully online. So that, No physical documents need, but the minimum age criteria require 21 years old. 


  • Secure payment environment for hustle free transactions
  • Loan amount rs.1500 to 60000
  • Tenure range two months to 4 months
  • 4-star rating out of 5
  • An authoritative and genuine application


  • GST 18% & 90 to 2000 rupees

Capital First Limited

An authoritative and genuine Non-bank financial institution company. Also, They offer instant personal & business loans for individuals and owners.

Besides that, their Headquarters are located in Mumbai. And Vaidyanathan is the founder of this company. 


  • Money transfer directly to your bank within 2 minutes
  • Tenure range 1 to 5 year
  • Loan amount 1 lakh to 5 lakhs
  • Easy to use interface


  • 3.7-star rating
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Sbi personal loan

During this COVID-19, SBI offers emergency loans (ECLGS). And the loan amount is a maximum of 5 lakh. Just apply for an instant payment loan in SBI from their official site. In this case, No physical documents need everything processed online. "How to get an instant personal loan online from SBI | Top 10 instant personal loan giving app in India"


  • No money laundering, threat, or fear of loss
  • Interest rate 9.60% per annum
  • Minimum age 21 years old
  • Monthly income 15000 


  • High processing fee and interest rate

HDFC personal loan

HDFC offers instant personal loans without any security submission. So, Any individual or business owner can apply for this loan easily. However, you need to repay the amount as per their need.


  • Maximum loan amount 40 lakhs
  • Tenures of 12 months to 5 years
  • Interest charge ₹2,149/lakh
  • 25000 to 50000 monthly income


  • Chances to lose a significant amount

Kotak personal loan

New or existing customers of Kotak bank can apply for personal loans. Few Documents require before applying, like ID proofs, passbooks, transaction records, etc.

So you can easily apply for Instant Personal Loan from their official site. 


  • Up to 15 lakhs instant loan
  • Period 1 year to 4 years to repay
  • Interest starts at 10.25% per annum


  • Processing fee, GST, and various criteria apply


These are the detailed answers to your question "How to get an instant personal loan online from SBI | Top 10 instant personal loan giving app in India". Remember, Instant Personal Loan goes easy if you have a stable income. On the other hand, a minimum of 15000 per month is necessary. Before choosing any Instant Loan application, look at their policies. It prevents future losses. Personal loan applications such as Paysense, Dhani, MoneyTap are much better than bank loans. Bank charges higher processing fees and interest.

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