💰 Top 5 Borrowing Money Apps for Instant Loans (2026)
Best Instant Loan Apps in India for Personal & Student Loans
📑 Table of Contents (विषय सूची)
🎯 Why Use Instant Borrowing Apps?
In today's digital age, getting a loan has become easier than ever. If you are facing a financial crunch or need emergency funds, instant loan apps are the best solution. They offer paperless documentation, quick approval (often within minutes), and direct bank transfer.
Here, we have compiled a list of the Top 5 Borrowing Money Apps in India that are RBI-registered, safe, and trusted by millions.
1️⃣ Branch Personal Loan App
Best for Small Loans & No CIBIL Score
Branch is one of the most popular apps for small ticket loans. It doesn't require a high CIBIL score or collateral.
| Feature | Details |
|---|---|
| Loan Amount | ₹750 to ₹50,000 |
| Interest Rate | 2% to 3% Monthly (24%-36% Annual) |
| Tenure | 62 days to 6 months |
| Processing Fee | 2% onwards |
❌ Cons: High interest for long tenure, low loan amount.
2️⃣ Money View: Personal Loan App
Best for High Loan Amounts
Money View is ideal if you need a larger loan amount for home renovation, medical emergencies, or business needs.
| Feature | Details |
|---|---|
| Loan Range | ₹10,000 to ₹5,00,000 |
| Interest Rate | 16% to 39% Annual |
| Tenure | 3 Months to 5 Years |
| Eligibility | Salaried/Self-employed (Min CIBIL 600) |
❌ Cons: Processing fee can be high (up to 8%).
3️⃣ KreditBee: Instant Credit App
Best All-Rounder App
KreditBee offers loans for various needs, including Flexi Loans, Premium Loans for salaried, and Online Shopping loans.
| Feature | Details |
|---|---|
| Loan Range | ₹1,000 to ₹2 Lakhs |
| Interest Rate | 0% to 29.95% Annual |
| Tenure | 62 days to 15 months |
| Approval Time | 15 Minutes |
❌ Cons: Onboarding fees for new customers.
4️⃣ mPokket: Student Loan App
Best for College Students
mPokket is specially designed for college students and young professionals who need quick pocket money or small cash loans.
| Feature | Details |
|---|---|
| Loan Range | ₹500 to ₹30,000 |
| Interest Rate | 2% to 6% Monthly |
| Tenure | 61 to 120 days |
| Documents | College ID (for students) / Salary Slip |
❌ Cons: High monthly interest rate, short tenure.
5️⃣ CASHe Personal Loan App
Best for Salaried Professionals
CASHe uses a proprietary AI-driven algorithm called "Social Loan Quotient" to lend money to young salaried professionals.
| Feature | Details |
|---|---|
| Loan Range | ₹1,000 to ₹3,00,000 |
| Interest Rate | Approx 30.42% Annual |
| Tenure | 3 to 12 Months |
| Eligibility | Salaried (Min ₹12,000 income) |
❌ Cons: Only for salaried individuals with minimum income.
📊 Quick Comparison: Which App is Best?
| App Name | Best For | Loan Amount |
|---|---|---|
| Branch | Small Loans, No CIBIL | ₹50,000 |
| Money View | Large Loans | ₹5,00,000 |
| KreditBee | All Purpose | ₹2,00,000 |
| mPokket | Students | ₹30,000 |
| CASHe | Salaried | ₹3,00,000 |
💡 Final Verdict: Which App Should You Choose?
Choosing the right app depends on your profile:
- 🎓 Students: Go for mPokket.
- 💼 Salaried Professionals: CASHe or KreditBee are excellent choices.
- 🏠 Big Expenses: Choose Money View for higher amounts.
- 📉 Low Credit Score: Try Branch for small, easy loans.
Always read the loan agreement carefully before accepting any offer.