Top Loan App company in india

Leave a Comment / By / February 15, 2026

1.Navi

Navi Finserv, founded by Sachin Bansal, is a leading digital lending platform in India providing instant, unsecured personal loans primarily through the Navi App.
Key Features of Navi Personal Loans
  • Loan Amount: High-ticket funding up to ₹20 Lakh.
  • Interest Rates: Competitive rates starting from 9.9% p.a. (can go up to 45% based on credit profile).
  • Repayment Tenure: Flexible options ranging from 3 to 84 months.
  • Processing Fees: Varies by profile; often reported as zero or up to 6%.
 
Eligibility Criteria
  • Citizenship: Must be an Indian citizen.
  • Age: Generally between 18 and 65 years.
  • Income: Minimum annual household income of ₹3 Lakh.
  • Credit Score: Ideally 750+ for the best rates, though applications may be considered from 650+.

 
Documentation (100% Paperless)
The process is entirely digital, typically requiring only:
  • PAN Card number.
  • Aadhaar Card for e-KYC.
  • Selfie for identity verification.

How to Apply (Instant Process)
  1. Download: Install the Navi App from the Play Store or App Store.
  2. Register: Sign up using your mobile number and enter basic details (Name, PAN, etc.).
  3. Check Offer: View your approved loan amount and select your preferred tenure/EMI.
  4. KYC: Complete the e-KYC using Aadhaar and a selfie.
  5. Disbursal: Link your bank account for instant transfer (often within minutes).

2.KreditBee:

KreditBee Personal Loan: Instant Funds Up to ₹4 Lakh
KreditBee is a premier digital lending platform in India designed for those who need fast, flexible, and collateral-free credit. Whether you are a salaried professional or a first-time borrower, KreditBee offers a 100% digital journey to meet your financial goals.
 
Key Highlights of KreditBee Loans
  • High Loan Limit: Borrow any amount ranging from ₹1,000 to ₹4 Lakh.
  • Quick Disbursal: Get money in your bank account in as little as 10 minutes.
  • Flexible Repayment: Choose a tenure that fits your budget, from 3 to 24 months.
  • Competitive Interest: Rates starting at 1.02% per month (12.24% p.a.).
  • Paperless Process: No physical documents or branch visits required.
 
Types of Loans Offered
KreditBee provides tailored solutions for different user segments:
  1. Flexi Personal Loan: Perfect for small, urgent needs (₹1,000 – ₹80,000).
  2. Personal Loan for Salaried: Higher limits (up to ₹4 Lakh) for stable income earners.
  3. Purchase on EMI: Shop for your favorite gadgets or lifestyle products and pay later.
 
💡 Pro Tip: Before applying, check our guide on how to improve your credit score to ensure you get the lowest interest rates.
 
Eligibility & Documents
To qualify for a KreditBee instant loan, you must:
  • Be an Indian citizen over 21 years of age.
  • Have a steady monthly income (Salaried or Self-Employed).
  • Provide a PAN Card, Aadhaar Card, and a selfie via the app.

3.Moneyview:

Moneyview Personal Loan: Instant Approval & Flexible EMI Up to ₹10 Lakh
If you are looking for a loan that is fast, transparent, and easy on the pocket, Moneyview is a top-tier choice. Known for its “Smart Credit Model,” Moneyview looks beyond just your CIBIL score, making it easier for more people to get the financial help they need.
 
Why Moneyview Stands Out (Key Features)
  • High Loan Limit: Borrow any amount from ₹5,000 to ₹10 Lakh instantly.
  • Budget-Friendly Interest: Competitive rates starting at just 1.33% per month (16% p.a.).
  • Lightning Fast: Check your eligibility in 2 minutes and get disbursal within 24 hours.
  • Flexible Repayment: Choose a comfortable EMI plan ranging from 6 to 60 months.
  • 100% Paperless: No physical documents or office visits required.
 
Are You Eligible?
  • Age: Between 21 and 57 years.
  • Income: Minimum monthly in-hand salary of ₹13,500.
  • Credit Score: Minimum CIBIL score of 600 or Experian score of 650.
 
Simple Documentation Needed:
To keep the process instant, just keep these digital copies ready:
  1. PAN Card (Primary ID)
  2. Aadhaar Card (For Address Proof)
  3. Bank Statement (Last 3 months showing income)
 
Get Started – Download the App
Ready to get funded? Click below to download the official app and start your application:
👉 Download Moneyview App click

4.Fibe:

Fibe (formerly EarlySalary): Instant Credit for Young Professionals
Fibe is a game-changer for young salaried professionals who need quick cash without the long wait times of traditional banks. Whether it’s month-end expenses, a sudden medical bill, or a planned vacation, Fibe offers a “no-questions-asked” digital lending experience.
 
Why Fibe is Perfect for You (Key Features)
  • Instant Credit Line: Get a limit of up to ₹5 Lakh that you can use anytime.
  • Attractive Interest Rates: Affordable funding starting at just 2% per month.
  • Instant Disbursal: Once approved, the money hits your bank account in seconds.
  • Flexible Repayment: Pay back comfortably with tenures ranging from 3 to 36 months.
  • No Foreclosure Charges: Want to close your loan early? Do it for free!
 
Specialized Loan Options
Fibe isn’t just about cash; they offer lifestyle-focused credit solutions:
  1. Salary Advance: To bridge the gap until your next paycheck.
  2. Health Insurance on EMI: Manage medical emergencies with easy installments.
  3. EdTech Loans: Finance your certifications or upskilling courses easily.
 
Eligibility Criteria
  • Citizenship: Must be a resident of India.
  • Age: Between 21 and 55 years.
  • Income: Minimum monthly salary of ₹15,000 (varies by city).
  • Credit Score: Fibe considers first-time borrowers with no credit history too!
Ready to Apply? Download the App
Join over 5 million happy customers by applying through the official app link below:
👉 Download Fibe App click

5.Bajaj Finserv Personal Loan:

Bajaj Finserv Personal Loan: Get Up to ₹40 Lakh with Instant Approval
When it comes to high-value financing in India, Bajaj Finserv stands as a titan. Whether you are planning a grand destination wedding, consolidating high-interest debts, or funding an international education, Bajaj Finserv offers a seamless blend of traditional trust and modern digital speed.
With loan amounts reaching up to ₹40 Lakh, it is one of the most powerful credit tools available for salaried professionals today.
 
Key Features That Make Bajaj Finserv Stand Out
Unlike small-ticket lending apps, Bajaj Finserv focuses on providing substantial capital with flexible terms:
  • Massive Loan Limit: Borrow any amount from ₹20,000 to ₹40 Lakh based on your profile.
  • Competitive Interest Rates: Rates are highly attractive, starting as low as 11% per annum.
  • Lightning-Fast Processing: Get your loan approved in just 5 minutes and the amount disbursed within 24 hours.
  • Extended Tenure: Enjoy the freedom to repay over a long period, with tenures ranging from 12 to 96 months.
  • The Unique Flexi Loan Facility: This industry-first feature allows you to withdraw funds as needed from your sanctioned limit. The best part? You only pay interest on the amount used, which can lower your EMIs by up to 45%.
 
Eligibility Criteria: Who Can Apply?
To maintain its high standards of lending, Bajaj Finserv has a specific set of eligibility requirements:
  • Citizenship: You must be a residing Indian citizen.
  • Age: Applicants should be between 21 and 80 years of age.
  • Employment: You must be a salaried employee at a public, private, or MNC firm.
  • Monthly Income: A minimum net salary of ₹25,000 (this varies depending on your city of residence).
  • Credit Score: A CIBIL score of 750 or higher significantly improves your chances of getting the lowest interest rates.
 
📊 Comparison Tip: While Bajaj is great for large amounts, you might want to see how it compares to digital-first apps. Read our Navi vs. Bajaj Finserv Comparison to see which suits your timeline better.
 
Required Documents for a Paperless Application
Since Bajaj Finserv offers an end-to-end digital journey, you only need to upload digital copies of
  1. KYC Documents: Aadhaar Card, PAN Card, or Passport.
  2. Financial Proof: Salary slips for the last 3 months.
  3. Bank Statements: Latest 3 months’ statement of your salary account.
 
Fees and Charges to Keep in Mind
While Bajaj Finserv is transparent, it is important to note the following:
  • Processing Fees: Up to 3.93% of the loan amount.
  • Foreclosure Charges: Generally 4% + taxes on the outstanding principal.
  • Annual Maintenance: Small fees apply specifically for the Flexi Term Loan variants.
 
How to Apply via the Bajaj Finserv App
Managing your loan is easier than ever with the Bajaj Finserv App. Follow these steps:
  1. Download: click
  2. Apply: Enter your mobile number and check for Pre-approved Offers.
  3. Verify: Upload your documents and complete the e-KYC.
  4. Receive: Once verified, the money is transferred to your bank account instantly.
 
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