Best Personal Loan Apps in India 2026 (Low Interest & Fast Approval)

Meta Description: Discover the best personal loan apps in India in 2026 featuring low interest rates, quick approvals, and trusted platforms. Compare features, eligibility, and benefits.

Looking for a quick personal loan with low interest and fast approval in 2026? You’re not alone. With increasing digital lending options in India, personal loan apps offer convenience, transparency, and competitive interest rates — all from your smartphone.

However, not all loan apps are equal. Some are RBI-registered and partnered with banks/NBFCs, while others can be risky or come with hidden charges. In this guide, we focus on verified and widely-used personal loan apps that are known for reliability, speed, and comparatively lower interest rates — based on current 2025–2026 data and regulatory trends.

How We Selected These Apps

To shortlist the best personal loan apps available or expected in India in 2026, we looked at:

• RBI-registered or compliant platforms partnering with banks/NBFCs. :contentReference[oaicite:0]{index=0}
• Fast approval and disbursal timelines. :contentReference[oaicite:1]{index=1}
• Transparent interest rates and flexible repayment options. :contentReference[oaicite:2]{index=2}
• Positive user experience and strong download ratings. :contentReference[oaicite:3]{index=3}

👉 Always check the app’s terms carefully and ensure it’s RBI-registered or linked with a regulated lender to protect your data and financial safety. :contentReference[oaicite:4]{index=4}

1. Paisabazaar Personal Loan App

Why it’s great: Paisabazaar lets you compare personal loan offers from 30+ banks and NBFCs in one place. You can often find rates starting from around 9.98% p.a., which is among the lowest available through an app. :contentReference[oaicite:5]{index=5}

• Interest Rates: From ~9.98% p.a. :contentReference[oaicite:6]{index=6}
• Loan Range: Up to ₹40 lakh (varies by lender). :contentReference[oaicite:7]{index=7}
• Good for: Comparing multiple offers and choosing the best rate. :contentReference[oaicite:8]{index=8}

Suggested image: Screenshot of the Paisabazaar app interface showing loan comparison Alt text: Paisabazaar personal loan comparison interface

2. Fibe (Formerly EarlySalary)

Fibe is one of India’s fastest personal loan apps, known for quick approvals — often within minutes — and flexible tenures up to ₹5 lakh. :contentReference[oaicite:9]{index=9}

• Loan Amount: Up to ₹5 lakh. :contentReference[oaicite:10]{index=10}
• Disbursal Time: Sometimes same-day based on eligibility. :contentReference[oaicite:11]{index=11}
• Good for: Salaried professionals needing fast funds. :contentReference[oaicite:12]{index=12}

Suggested image: Fibe app loan offer screen Alt text: Fibe personal loan offer on smartphone

3. Moneyview

Moneyview offers personal loans up to ₹10 lakh with a digital and quick approval process. It combines financial management tools with lending features, which makes it unique among top apps. :contentReference[oaicite:13]{index=13}

• Loan Amount: Up to ₹10 lakh. :contentReference[oaicite:14]{index=14}
• Perks: UPI & credit tools integrated. :contentReference[oaicite:15]{index=15}
• Good for: Higher loan needs with fast approval. :contentReference[oaicite:16]{index=16}

4. KreditBee

KreditBee is especially popular among young professionals and first-time borrowers for small to mid-range personal loans with quick processing. :contentReference[oaicite:17]{index=17}

• Loan Range: ₹6,000 – ₹10 lakh. :contentReference[oaicite:18]{index=18}
• Tenure: Flexible. :contentReference[oaicite:19]{index=19}
• Good for: Fast digital processing with reasonable rates. :contentReference[oaicite:20]{index=20}

5. CASHe

CASHe provides instant personal loans ranging from ₹45,000 to ₹3 lakh with minimal paperwork and quick approvals. :contentReference[oaicite:21]{index=21}

• Loan Range: ₹45,000 – ₹3,00,000. :contentReference[oaicite:22]{index=22}
• Perks: Most applications approved quickly. :contentReference[oaicite:23]{index=23}
• Good for: Emergency needs and short-term loans. :contentReference[oaicite:24]{index=24}

6. Navi Personal Loan App

Navi’s loan service stands out for longer tenure options and competitive interest rates — often starting below some other digital lenders. :contentReference[oaicite:25]{index=25}

• Loan Range: Up to ₹20 lakh. :contentReference[oaicite:26]{index=26}
• Interest: ~9.9% p.a. (may vary). :contentReference[oaicite:27]{index=27}
• Good for: Bigger requirement or longer repayment plans. :contentReference[oaicite:28]{index=28}

7. IndiaLends

IndiaLends acts as a marketplace linking you with banks and NBFCs that offer personal loans — often with interest from around **10.25% p.a.** and fast approvals depending on eligibility. :contentReference[oaicite:29]{index=29}

• Interest: ~10.25% p.a. onward. :contentReference[oaicite:30]{index=30}
• Loan Amount: Up to ₹25 lakh. :contentReference[oaicite:31]{index=31}
• Good for: Competitive interest via multiple lenders. :contentReference[oaicite:32]{index=32}

8. mPokket

mPokket is ideal for students or first-time borrowers needing small quick loans. It’s designed for rapid approvals and short tenures. :contentReference[oaicite:33]{index=33}

• Loan Range: Smaller ticket size. :contentReference[oaicite:34]{index=34}
• Good for: Unsecured loans with rapid processing. :contentReference[oaicite:35]{index=35}

9. Bajaj Finserv Personal Loan App

Bajaj Finserv’s app offers unsecured personal loans with quick approvals, simple documentation, and flexible tenures — often disbursing funds within a day after approval. :contentReference[oaicite:36]{index=36}

• Loan Amount: Up to ₹50 lakh. :contentReference[oaicite:37]{index=37}
• Interest: Competitive (exact varies). :contentReference[oaicite:38]{index=38}
• Good for: High-value personal loan needs. :contentReference[oaicite:39]{index=39}

10. Home Credit

Home Credit’s personal loan app promises instant approvals and fast digital disbursal — sometimes within minutes — for existing customers. :contentReference[oaicite:40]{index=40}

• Loan Range: Up to ₹4,80,000. :contentReference[oaicite:41]{index=41}
• Perks: Intuitive app and rapid process. :contentReference[oaicite:42]{index=42}

Key Tips Before You Apply

• Check RBI registration: Ensure the app works with an RBI-registered bank/NBFC. :contentReference[oaicite:43]{index=43}
• Compare total cost: Look at processing fees, prepayment charges, and insurance costs. :contentReference[oaicite:44]{index=44}
• Read reviews: App store feedback often reveals real user experiences. :contentReference[oaicite:45]{index=45}
• Use EMI calculators: Estimate monthly payments before borrowing. :contentReference[oaicite:46]{index=46}

Conclusion

In 2026, personal loan apps in India are more accessible and regulated than ever, offering options from low-interest marketplace platforms to fast approval digital lenders. Whether you need funds for an emergency, a major purchase, or debt consolidation, these apps — from Paisabazaar and Fibe to Navi and Moneyview — give you reliable choices with speed and transparency.

Always check current interest rates, eligibility requirements, and user reviews before applying. Financial decisions are personal — choose the option that fits your credit profile and repayment comfort.