Top 6 Instant Personal Loan Apps | From Rs 3000 to Rs 1,50,000 ( Proof ) | Without Salary Slips

Top 6 Instant Personal Loan Apps

Top 6 Instant Personal Loan Apps | From Rs 3000 to Rs 1,50,000 ( Proof ) | Without Salary Slips

#loan #newloanapp #personalloan

1. KreditBee: Personal Loan App

Need an urgent loan? KreditBee is the best online personal loan app that gives you money in the bank in 10 minutes.

With KreditBee get funds anytime, anywhere.

As an instant personal loan app trusted by over 50 million users across the country, we offer an instant personal loan online from ₹1,000/- to ₹3,00,000/ with interest rates ranging from 0% to 29.95% and for tenures from 62 days to 24 months.

With no paperwork and low processing fees, avail easy and quick loans online and get instant credit within minutes, directly into your bank account.

Why KreditBee?

Fast Loan Approval and Quick Disbursal: With a 100% online process, get fast approval and quick loan disbursal.

Loan for All Purposes and Needs: Low-interest loans to fulfill all types of credit needs including covering emergency expenses, consolidating debt, travel, shopping, and much more.

Flexible Interest Rates and Tenures: Flexi personal loans with interest rates from 0% to 29.95% p.a., depending on your credit score. Also, get flexible tenure options of 62 days to 24 months for repayment of the loan.

Transparency and Security: We only work with RBI-certified NBFCs/banks which are guaranteed to be transparent, safe and secure.

Our Loan Offerings

 Flexi Personal Loan – We offer personal loans ranging from ₹1,000 to ₹40,000 with short repayment tenures of 2-10 months. Documentation required for this loan consists of just a PAN card and proof of address.

Personal Loan for Salaried – Personal Loan for Salaried offers funds between ₹10,000 to ₹3,00,000 with flexible tenure ranging from 3 to 24 months. You must provide a PAN card, address proof and salary proof.

Personal Loan for Self-Employed – Personal Loans for Self-Employed ranges between ₹5,000 to ₹1,50,000 with flexible repayment terms from 3 to 12 months. You need PAN card, proof of address and income to avail this loan.

Online Purchase Loan – Get an e-commerce loan from ₹2,000 to ₹1,50,000 and shop online on our partner platforms such as Flipkart, Amazon, Myntra, Nykaa, MakeMyTrip, Goibibo, Tata CliQ and more. Repay the amount in easy EMIs with low interest rates and flexible tenures of 2 to 12 months. You need a PAN card and address proof to avail an Online Purchase Loan.

Top Features

⇒Simple EMIs: Payback in 2-24 months at your leisure

⇒100% Online: The application process is completely paperless

⇒Complete Transparency: There are no hidden costs

⇒Languages: Available in both Hindi and English


a) Must be an Indian national

b) Must be over the age of 21

c) Must have a steady source of income on a monthly basis

Steps to avail a loan

1. Install KreditBee app

2. Sign up with your mobile number

3. Fill basic information and check your eligibility

4. Upload KYC documents, including your ID, address proof and PAN card

5. Request a bank transfer or an E-voucher for your loan


Mail: [email protected]

Call: 08044292200

Let’s Connect!




Download the official app from APP Store “CLICK HERE

2. PaySense: Personal Loan App

PaySense is a personal loan app that offers loans up to Rs.5 lakhs at attractive interest rates, zero collaterals, and flexible EMIs.

PaySense provides personal loans from Rs.5,000 to Rs.5,00,000 with an Annual Percentage Rate (APR) between 16% to 36% on a reducing balance basis.

PaySense is present in 180+ cities in India, including Mumbai, Bengaluru, Kolkata, Chandigarh, Chennai, and Delhi NCR.

Why Choose PaySense for Personal Loans

  • Affordable interest rates
  • Convenient and affordable EMIs
  • Two-minute loan application
  • Paperless documentation
  • Loans available for those with low credit scores

Main Personal Loan Eligibility Criteria

  • You must be a resident of India
  • Your age must be between 21 and 60 years
  • You must be based in any one of the 180+ cities we serve across India

Pre-Payment and Late Payment Charges

The loan tenure is anything between 3 and 60 months. EMI and interests are then calculated basis the tenure chosen.

Pre-payment is allowed after 6 EMI payments. The foreclosure charge is 4% +18% GST on the remaining principal amount.

The Late Payment Charges are ₹500 +18% GST (₹590) upon failure to pay the EMI on the fixed date.

Representative example: The standard processing fee is 2.5% of the loan amount.

For instance, if Anil takes a loan of ₹1 lakh for 24 months, he will be charged an APR of 24%. Also, he will be charged a processing fee of ₹2,500. So, Anil will pay his loan back in 24 EMIs of ₹5,391 each. He will pay a total interest of ₹29,384. Hence, the total cost of the loan will be ₹1,31,884

How to Apply for Instant Personal Loan Online?

  • Install the PaySense online loan app
  • Register and check your personal loan eligibility
  • Provide KYC documentation like ID proof (Aadhar/PAN/Voter ID), address proof (Aadhar/Utility bills/Rental Agreement), income proof (bank statement) and a photograph.
  • Sign the application and get speedy approvals
  • Once approved, the loan amount will be credited to your account

Contact us

Drop us an e-mail: [email protected].

Tag us on Twitter: @gopaysense

Download the official app from APP Store “CLICK HERE

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3. Cash hub-Instant Personal Loan

Cash hub is an instant personal loan platform. Cashhub is a product of Appshub.. Cash hub Instant Personal Loan fulfills customers’ money needs completely online. Cash hub work to make sure that the application process is fast, easy, and fully safe.

Cash hub is an Instant personal loan app that offers instant loans online starting from ₹ 1,000 up to ₹ 5,00,000. Apply for an instant loan and receive up to ₹5,00,000 as a direct cash transfer to your bank account

Personal Loans range from Rs.5000 to ₹ 5,00,000

Tenure Time: 62days to 6 months. Interest rates range from 2%-24% depending on the risk profile of the customer.

Example: If the loan amount is ₹1,00,000 & interest is 18% per annum with a tenure of 2 months, a processing fee of Rs. 0 will be charged.

Responsible Lending :

Cash Hub Loan App is personal loan aggregator platform which has partnered with Following NBFC lending partners which are RBI Registered.

Social Worth Technologies Private Limited –


Finnovation Tech Solutions Pvt. Ltd –

Bhanix Finance and Investment Limited –

A representative example of the total cost of the Cash Hub loan Amount:

Amount Borrowed (Principal) = ₹14,999/-

Interest Rate (APR) = 36% (on Reducing Principal Balance interest calculation)

Tenure = 6 months

Processing Fee (incl. GST) = ₹826

Amount disbursed = ₹14,173

Your EMI amount = ₹2769 (based on PMT method, sample monthly payment)

Interest amount = ₹2769 x 6 – ₹14999 = ₹1614(sample interest calculation)

Total Cost of Loan = Processing Fee + Interest Amount + Late Fee = ₹826 + ₹1614= ₹2440

Principal repayment amount = ₹14,999/- (same as amount borrowed)

Total repayment amount = Principal repayment amount + Interest Amount + Fee = ₹14,999 + ₹1614 + ₹0 = ₹16,613

Eligibility of Cash Loan:-

  • Indian Resident.
  • Source of a monthly income.
  • 20-60 years old.

Cash hub Personal Loan – Instant Cash Loan Features:

  • 100% Online process
  • Fund safety, protected by advanced server
  • Loan transfer via bank

Online loan for Salaried loan example:

  • Loan amount: Rs. 1,00,000
  • Tenure: 8 months
  • Interest Rate: 18% per annum
  • Processing Fee: Rs. 1,000 (1.00%)
  • New customer onboarding Fee: Rs. 100
  • GST on Processing and Onboarding Fees: Rs. 118
  • Total Interest: Rs. 5,581
  • EMI: Rs. 4,632
  • APR: 23.2%

The loan amount is Rs. 50,000. The disbursed amount is Rs. 48,289. The total loan repayment amount is Rs. 55,581

Contact us:

For help or any other details about Cash Hub, you may write to us.

Download the official app from APP Store “CLICK HERE

4. mPokket: Instant Loan App

Use the mPokket app to get instant personal loans starting from ₹500 up to ₹30,000 in just a few minutes! Trusted by more than 1.5 crore Indians.

mPokket is the best student loan app and salaried loan app. Get an instant loan for college students and an instant loan for salaried employees. Avail personal loan instantly ranging from Rs 500 to Rs 30,000. Just open this online loan app and consider this as a borrowing option whenever you are short of pocket money or you want to avail an urgent cash loan in case of an emergency or even to settle your travel plans and much more. Get everything settled with the best instant loan app.

On a personal loan approval, get the amount directly credited in your bank account or Paytm wallet instantly.

Doesn’t matter whether you are a salaried professional or student, you can get instant cash loans or student loans & easy EMIs with minimal documentation & small transaction fees.

  • Loan amount – Rs 500 to Rs 30,000
  • Interest rates – from 0% to 4% per month
  • Tenure – 61 days to 120 days

Best Online Loan App. Instant loan app for students, Instant loan for salaried, Loan upto Rs 30,000.

Key Features

  • Instant Personal Loan of upto Rs 30,000
  • Cash Transfer to Bank/Paytm Account, cash loan in 2 minutes
  • Flexible Repayment Options, Repay in 4 Months
  • Rewarded for Timely Repayments

Processing & Loan Management fees range between Rs 50 to Rs 200 + 18% GST depending on the loan amount with a maximum APR of 142%.

Interest rates range between 0% to 4% per month. Maximum tenure is 120 days.

Eligibility Criteria

Students – Yes, mPokket provides loans for College Students.

Salaried Professionals – Get a personal loan at a take-home salary of Rs 9,000 and above.

Any student or salaried person, pan-India is eligible for an instant loan through our app. To avail a quick personal loan, a student must be above 18 years of age & should have a valid college ID card. As a quick cash personal loan app for salaried people, mPokket offers loans to people receiving salary in a bank account or via cheques. mPokket offers a reliable & safe payment system, without

Documents Required

mPokket has a very smooth and fast verification process and is considered to be one of the best online loan app in India. To avail instant personal loan, submit documents-

  • College ID card for Students
  • Last 3 months Bank Statement, Salary Slip/Joining Letter for Salaried Professionals
  • Aadhaar Card, Driving license, Voter ID card, etc.
  • PAN Card
  • KYC Details

mPokket is one of the best online loan app in India providing student loan, instant loan for salaried and trusted by 15M+ users. As a loan app for students in India, it offers flexible repayment options. Instant loan for Salaried is a great & convenient way to receive a salary advance.

The entire process is 100% online and safe, with a 4+ Star rating making it one of the highest-rated instant loan apps in India. mPokket also has a full-fledged support team available round-the-clock, for addressing any user queries & complaints.


For help email us at [email protected]. Do visit our website to contact us for any queries at

Download the official app from APP Store “CLICK HERE

Also Read, Bank Of Baroda Personal Loan Online | How To Apply Personal Loan In Bank Of Baroda In Telugu #bank

5. MoneyTap – Credit Line & Loan

MoneyTap is a Credit Line and Instant Personal Loan App in India. Get Instant approval for a credit line of up to ₹5,00,000 & pay interest only on the amount you withdraw from your balance.

Our Interest rates start from as low as 12%. Interest is payable on the exact loan amount used from your approved credit line.

Salaried employees only. Minimum salary = ₹30,000 per month

Special Offer: Select customers in 1200+ cities can now get up to Rs. 10,000 @ 0% interest.

We aim to provide better services than Indian banks and the flexibility of getting a line of credit that can be used as an early salary.

What features make MoneyTap the best instant personal loan app in India?

Borrow any amount or sum of money (starting at ₹3,000) from your approved Credit Line (up to ₹5 Lakh)

  • Pay interest only on the amount you use
  • Instant personal loan without any risk
  • Make UPI transactions from your credit line
  • Fully digital, paperless experience
  • Select your own flexible EMIs & pay later

How is MoneyTap online instant personal loan app different from any other bank loan in India?

MoneyTap credit line is better than a traditional bank loan. You are charged interest only for the amount you borrow.

For example: Ajay applies for a MoneyTap Instant Personal Loan (credit line) in January, gets an approved credit line of ₹5,00,000 but doesn’t borrow any money from the approved line for the next 5 months. In May, he withdrew ₹50,000 from his credit limit to pay for a house deposit. Now, the interest will only be charged on ₹50,000. Ajay still has access to ₹4,50,000 whenever he has another emergency without paying any interest on it until he withdraws any amount.

Loan Terms & Fees

  • Get Rs. 10,000 to Rs. 5 lakhs
  • Interest rates from 12% to 36% (APR)
  • EMI tenures from 3 to 36 months
  • Low processing fees from 2% to 3.75%
  • Low one-time line setup fee from Rs. 199 to Rs. 999

For ₹1,00,000 personal loan borrowed for 1 year, with interest rate @13% per annum*, a user would pay:

  • Processing fee (at 2%) = ₹2,000 + GST = ₹2,360
  • Line setup fee of ₹999+GST = ₹1181/- to be paid before starting the credit line
  • Interest = ₹7,181
  • EMI = ₹8,932
  • Total amount to pay = ₹1,10,725/-

Interest Rate varies based on your risk profile. Only a fraction of our customers get an interest rate higher than 30% per annum.

Documents required

  • Aadhaar number
  • Identity proof (Driving licence/Voter ID/Passport/Aadhaar/PAN)
  • Address proof (Driving licence/Voter ID/Passport/Aadhaar/Utility bills/bank statements)
  • Passport-sized photo/Selfie

You can get a personal loan online on your Aadhaar card. E-sign your application with registered mobile OTP for fast-tracked application

How does MoneyTap work?

Get an instant personal loan in 3 simple steps:

  • Log on to the MoneyTap credit line app, enter information such as age, city, PAN, and income, and check your eligibility
  • Complete KYC verification, submit documents online
  • Transfer money to the bank account from the approved amount

Available in 85+ cities.

MoneyTap Personal Loan Application Uses

  • Phone pe loan – use it as an urgent online personal loan or as an early salary for emergency
  • Wedding loan for marriage expenses
  • Loan for home renovation and repair
  • Mobile phone loan
  • Loan for laptop
  • Loan for new, used or second-hand car
  • Credit loan for bike or scooter
  • Education loan for students
  • Loan for medical emergencies and health urgencies
  • The experience of an early salary loan app for emergency cash and credit
  • Whenever you need money view us as the perfect solution

Bonus: MoneyTap RBL credit card

  • 100% cash withdrawal from your credit card online
  • 50-day interest-free period

MoneyTap is a mobile app that has pioneered the concept of credit line. MoneyTap has partnered with reputed and well regulated partners like RBL Bank, HDBFS, Credit Saison, DMI Finance, Fullerton India, InCred, and TapStart Capital.

For queries: [email protected]

Download the official app from APP Store “CLICK HERE

Also read, IDFC Bank Personal loan | ఇంతకంటే తక్కువ రుణం ఏ బ్యాంకులోనూ లభించదు | Instant loan Approval

6. Stashfin – Credit Line & Funds

Enjoy the power of instant money with Stashfin – India’s fastest, easiest, safest, and smartest Credit Line and Instant Funds App. Stashfin is powered by Akara Capital Advisors Private Limited, an NBFC duly registered with Reserve Bank of India (RBI). With its quick and easy application process, Stashfin lets you enjoy a credit line of up to ₹10,00,000 at low-interest rates and flexible repayment plans that are best suited to your needs.

Data security and privacy is a top priority at Stashfin. Our backend APIs comply with mandated security standards and robust protocols which have been tested and certified.

  • Credit Line
  • Pay interest only on the funds you need
  • Credit line ranging from ₹1,000 to ₹10,00,000 straight to your bank account
  • Repayment period: 3 to 36 months

Minimum documentation, instant approval, and quick disbursal

Free credit report and credit history analysis

How does Stashfin Work?

Download the Stashfin App and register

Fill in your details and upload verification documents

Once verified the final application status can be checked on the App. You will also be notified of your approval status via SMS

Once approved, E-sign the loan agreement and the approved amount will be disbursed to you within 5 minutes. SMS notification will be sent to your registered number notifying the same

We also provide funds as low as ₹1,000 to ₹10,000 and are operational in more than 20+ cities across India.

In matters of funds, one size doesn’t fit all and we offer you the choice of picking a credit line best suited to your needs and help you take control of your finances. We offer interest rates ranging from 9.99% – 35.99% APR (Annual Percentage Rate), the rates may vary on a case-to-case basis. A low processing fee is charged in certain cases and there are no hidden costs.


  • Amount: ₹10,000
  • Tenure: 3 months
  • Rate of Interest: 11.99% p.a.
  • Processing Fee: ₹0
  • Total Interest: ₹167
  • EMI: ₹3389
  • APR: 11.99%
  • Amount Disbursed: ₹10,000
  • Total Repayment Amount: ₹10,167

Eligibility Criteria

  • Indian Citizen
  • Above the age of 18
  • Must have a source of income (either salaried or self-employed)

Documents Required

  • Address Proof (any one of Aadhaar Card/Voter ID/Passport/Driving License)
  • Identity Proof (PAN ID)
  • In some cases, you may be asked for the following documents
  • Bank Statement
  • ITR/ GST Paper

Operational in 20+ Cities

Download the official app from APP Store “CLICK HERE

Also read, Top 5 Instant Personal Loan Apps | From Rs 5000 to Rs 50,000 ( Proof ) | Without Income Proof

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