Top 10 Loan Apps in India – 2025 Review & Comparison
Published by: Vizzve Financial
🔟 Top 10 Instant Loan Apps in India – 2025
Here's our curated list of the most trusted, fast-performing loan apps this year:
1. Vizzve Financial (Best for No CIBIL Loans)
🔹 USP: Instant loans on Aadhaar, no credit score required
🔹 Loan Range: ₹5,000 – ₹2,00,000
🔹 Approval Time: As fast as 1 hour
🔹 Special Feature: MicroSeva loans for students, homemakers, and rural applicants
🔹 App Link: Download Vizzve App
2. PaySense
🔹 USP: Easy EMI plans
🔹 Loan Range: ₹5,000 – ₹5,00,000
🔹 Partnered NBFCs: Fullerton, Credit Saison
🔹 Credit Score Needed: Yes
3. KreditBee
🔹 USP: Popular among first-time borrowers
🔹 Loan Range: ₹1,000 – ₹2,00,000
🔹 Approval: 10 minutes
🔹 Drawback: Higher interest for low credit profiles
4. MoneyTap
🔹 USP: Personal line of credit
🔹 Loan Range: ₹3,000 – ₹5,00,000
🔹 Features: Interest only on used amount
5. Navi
🔹 USP: Paperless process
🔹 Loan Range: ₹10,000 – ₹20,00,000
🔹 Approval: Within 10 minutes
🔹 Note: PAN mandatory
6. CASHe
🔹 USP: AI-driven loan approval
🔹 Loan Range: ₹7,000 – ₹4,00,000
🔹 Repayment: 62 days – 1 year
🔹 Best For: Salaried individuals
7. mPokket
🔹 USP: Loans for college students
🔹 Loan Range: ₹500 – ₹30,000
🔹 Requirements: Student ID and Aadhaar
8. Slice
🔹 USP: Credit line for millennials
🔹 Loan Range: ₹10,000 – ₹10,00,000
🔹 Feature: Slice card for instant use
9. FlexSalary
🔹 USP: Loans before payday
🔹 Loan Range: ₹5,000 – ₹2,00,000
🔹 Suitable For: Salaried class only
10. TrueBalance
🔹 USP: Small-ticket loans + recharge cashback
🔹 Loan Range: ₹1,000 – ₹50,000
🔹 Best For: Rural and tier-2 users
📊 Quick Comparison Table
| App Name | Best For | PAN Needed | Credit Score Required | Max Loan |
|---|---|---|---|---|
| Vizzve | No CIBIL, Aadhaar-only | No (MicroSeva) | ❌ | ₹2,00,000 |
| PaySense | EMI Loans | Yes | ✅ | ₹5,00,000 |
| KreditBee | First-Time Borrowers | Yes | ✅ | ₹2,00,000 |
| MoneyTap | Credit Line | Yes | ✅ | ₹5,00,000 |
| Navi | Large Loans | Yes | ✅ | ₹20,00,000 |
| CASHe | Salaried Professionals | Yes | ✅ | ₹4,00,000 |
| mPokket | Students | No | ❌ | ₹30,000 |
| Slice | Millennials | Yes | ✅ | ₹10,00,000 |
| FlexSalary | Salaried Class | Yes | ✅ | ₹2,00,000 |
| TrueBalance | Rural Users | No | ❌ | ₹50,000 |