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Top 10 Personal Loan Apps in India with Fastest Disbursal Times
Reviewed by: Fibe Research Team
- Updated on: 13 Oct 2025
Reviewed by: Fibe Research Team
When you need money urgently, be it for festive shopping, travel, or handling an emergency, waiting for days for loan approval is the last thing you want. That’s where personal loan apps in India come in handy. With just a few taps on your phone, you can get funds quickly and directly into your bank account.
But which app should you choose? Let’s dive into the top 10 personal loan apps in India that are known for their fastest disbursal times and user-friendly experiences.
Fibe is one of the fastest personal loan app India has to offer. It lets you borrow up to ₹5 lakhs with approvals in just 2 minutes and disbursals often happening the same day. With flexible tenures and 0 foreclosure charges, it’s a go-to option for young professionals.
PaySense is known for its hassle-free loan journey with flexible EMIs and loan amounts ranging up to ₹5 lakhs. With quick approvals and disbursals within 24 hours, it’s an ideal app for salaried and self-employed users who want a simple process without too many formalities.
CASHe is a popular choice among young salaried professionals. It offers loans starting from as low as ₹1,000, making it perfect for covering short-term needs. Its personal loan apps disbursement time is often just a few hours, making it one of the most reliable apps for emergencies.
KreditBee has made its mark as one of the best personal loan apps India for new-to-credit users. With flexible loan options ranging from ₹1,000 to ₹2 lakhs and same-day disbursal for eligible customers, it’s great for anyone seeking a fast and transparent loan solution.
MoneyTap works like a personal credit line, you can borrow only what you need and pay interest on that portion. Loan amounts go up to ₹5 lakhs and disbursals are usually done in 24 – 48 hours. It’s especially handy for people who want to manage their finances smartly without committing to a lump-sum loan.
Home Credit is an NBFC that specialises in smaller-ticket loans ranging between ₹10,000 and ₹2 lakhs. The loan journey is straightforward, and money typically gets disbursed within 1–2 days. It’s a good choice for first-time borrowers who value minimal paperwork and simple eligibility checks.
Dhani is not just a loan app but also a healthcare and credit product provider. Customers can access up to ₹15 lakhs, and pre-approved users often get the money credited in minutes. With added benefits like Dhani healthcare services, it’s a versatile pick among instant personal loan apps India.
Navi is known for its lightning-fast approvals and personal loan app same day disbursal feature. Loan amounts range from ₹10,000 to ₹20 lakhs, with approvals often completed in under 10 minutes. It’s a fully digital app with minimal documentation, making it one of the fastest personal loan app India options for big-ticket needs.
mPokket is popular among students and young professionals for offering smaller loans between ₹500 and ₹30,000. The disbursal usually happens within 24 hours, making it a lifeline for those just starting their financial journey. It’s designed to help users manage pocket expenses until their next paycheck.
Money View offers loans up to ₹5 lakhs with approvals often completed in less than 24 hours. Known for its strong risk-assessment system, the app makes loans accessible even to those with limited credit history. It’s a solid pick for anyone looking for quick, flexible, and reliable credit.
| App | Loan Amount Range | Disbursal Time | Eligibility |
|---|---|---|---|
| Fibe | ₹8,000 – ₹5,00,000 | 2 mins approval, same day | Salaried professionals |
| PaySense | ₹5,000 – ₹5,00,000 | 24 hours | Salaried & self-employed |
| CASHe | ₹1,000 – ₹4,00,000 | Few hours | Salaried individuals |
| KreditBee | ₹1,000 – ₹2,00,000 | Same day | Salaried & new-to-credit |
| MoneyTap | ₹3,000 – ₹5,00,000 | 24–48 hours | Salaried professionals |
| Home Credit | ₹10,000 – ₹2,00,000 | 1–2 days | Salaried/self-employed |
| Dhani | Up to ₹15,00,000 | Minutes for pre-approved | Salaried/self-employed |
| Navi | ₹10,000 – ₹20,00,000 | 5–10 minutes | Salaried/self-employed |
| mPokket | ₹500 – ₹30,000 | 24 hours | Students & professionals |
| Money View | ₹10,000 – ₹5,00,000 | 24 hours or less | Salaried/self-employed |
This table gives a clear picture of personal loan apps disbursement time, making it easier for you to decide which app suits your urgency.
Choosing the right app depends on how quickly you need the money, the loan amount you require and your repayment ability. If you’re looking for speed, convenience and flexibility, Fibe personal loan is among the best personal loan apps India has to offer.
So, the next time you need funds, pick an app that matches your needs and enjoy stress-free financial freedom.
Yes! Many apps like Fibe, Navi, and CASHe are designed as a personal loan app with fastest disbursal, ensuring same-day approval and crediting funds to your account.
Eligibility usually depends on your age (19–55 years), income stability, credit score and employment type. Salaried professionals often get quicker approvals, though some apps also cater to students and freelancers.
