Best Instant Personal Loan Apps in India 2024: Quick Cash Loans Within 1 Hour
Vizzve Admin
But with so many options, which app is best for you in 2024?
This blog helps you compare top instant personal loan apps in India and highlights the key features that matter most — especially for first-time borrowers, freelancers, and salaried individuals.
✅ What to Consider Before Choosing a Loan App
| Factor | Why It Matters |
|---|
| 📉 Interest Rate | Impacts overall cost of borrowing |
| 🧾 Loan Amount & Tenure | Choose based on your actual monthly repayment capacity |
| 🧠 Eligibility | Ensure you meet criteria (age, income, documents) |
| 💰 Fees & Charges | Processing fees, prepayment penalties, late fees |
| 🌟 User Ratings & Reviews | Reflects trustworthiness and customer service |
🏆 Best Instant Personal Loan Apps in India – 2024 Edition
1. Vizzve Financial – Best for Low CIBIL or No Income Proof Loans
🌐 www.vizzve.com
✅ Amount: ₹10,000 – ₹5,00,000
📱 Time: 10–30 minutes approval
🧠 AI-Based: No CIBIL required
📲 Documents: PAN + Aadhaar + bank statement
🔁 Ideal For: Freelancers, gig workers, first-time borrowers
Trusted by 5 Lakh+ users across India – Fastest disbursal with lowest documentation.
2. MoneyTap – Best for Flexible Credit Line
✅ Amount: ₹3,000 – ₹5,00,000
🔄 Revolving credit model
📲 Pay interest only on what you use
📌 Needs good CIBIL score
3. KreditBee – Best for New Borrowers
✅ Amount: ₹1,000 – ₹3,00,000
📄 Minimal documentation
🧠 Quick disbursal in emergencies
⚠️ High interest if repaid late
4. EarlySalary (Fibe) – Best for Salaried Individuals
✅ Amount: ₹8,000 – ₹5,00,000
📊 Based on salary slips or job proof
💳 Also offers advance salary loans
📌 Available in major cities
🧠 Pro Tip from Vizzve:
“If you don’t have a great credit score, don’t worry. Choose AI-backed platforms like Vizzve that approve loans using alternate data such as bank statements and UPI activity.”
🙋 Frequently Asked Questions (FAQs)
Q1. Can I get an instant loan without salary proof?
✅ Yes. Vizzve Financial provides loans using PAN + bank statement — no income proof needed.
Q2. Which is the fastest loan app in India?
⚡ Vizzve and KreditBee typically approve within 10–30 minutes.
Q3. Is CIBIL score compulsory for all apps?
❌ No. Vizzve, KreditBee, and CASHe allow low or no-CIBIL loan approvals.
Q4. Which app is safest?
Look for RBI-registered lenders and apps with transparent policies like Vizzve Financial.
Q5. What if my loan is rejected by a bank?
Use alternate NBFC apps like Vizzve that don’t solely rely on CIBIL or ITR.
🔚 Final Word
The best loan app in 2024 isn’t just about the name — it’s about how fast, how flexible, and how accessible the loan is. For low-documentation, low-CIBIL, and first-time borrowers, Vizzve Financial stands out with quick, AI-approved disbursal.
📲 Apply now at www.vizzve.com – Experience the future now.
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