Find the Easiest Instant Cash Loan Apps

Find the Easiest Instant Cash Loan Apps

As Indian society is witnessing a massive shift in the mindsets, norms, and financial goals, the financial appetite of many Indians is growing with each passing year. Now, society no longer brands taking loans as a taboo. Today, many people apply for personal loans to resolve their financial bottlenecks and get quick funds in case of an emergency. To adapt to this changing mindset, many finance companies are introducing their own cash loan apps in India to provide fast and paperless personal loan services. However, with so many loan apps available in the market right now, picking one that can meet your needs ideally is not easy. In this article, we will talk about the top seven instant cash loan apps, so you don’t have to search for them from scratch. Let’s dive in.


With a rating of 4.4 in Google Play and more than 10 million downloads, Navi is one of the most popular instant cash loan apps in India. This personal loan app provides a solution to all your loan needs, including instant personal loans for marriage, business, and even medical emergencies. Securing a loan through the Navi app is a straightforward process. All you need to do is download the app, register, give your information, and connect your bank account. Navi only needs your Aadhaar and PAN card to sanction an instant cash loan, which will be processed within a few minutes. With interest rates starting at 9.90% per annum, Navi offers one of the fastest and lowest-cost cash loans in India.

  • Minimum Loan Amount: Rs. 5,000
  • Maximum Loan Amount: Rs. 20 lakhs


Acquired by PayU, LazyPay is undoubtedly one of the fastest quick loan apps. It offers an entirely digital loan application process. What’s more, your loan applications are usually processed within a few minutes to a few hours. They even provide quick loan eligibility checks. All this app needs is your mobile number. LazyPay requires very few documents to process your loan application online.

  • Minimum Loan Amount: Rs. 10,000
  • Maximum Loan Amount: Rs. 1 lakh


Powered by Indiabulls Ventures, Dhani will be one of the most prominent quick cash loan apps in 2022. With the Dhani app, you can apply for a personal cash loan at any time, from anywhere, and for any reason you can think of. You don’t even need to deliver the physical photocopies of your documents. The whole loan application process will be done digitally through the app, and you will get an unsecured personal loan within a few minutes. All you need to do is download the app, register, and verify your application process via your PAN card, Aadhaar card, and your residential address. The tenure varies from 3 months to 36 months.

  • Minimum Loan Amount: Rs. 1,000
  • Maximum Loan Amount: Rs. 1.5 lakhs


HomeCredit is arguably one of the earliest money lending applications in this country. Backed by the International Home Credit Group, this app is active in over ten countries all over Asia and Europe. This instant cash loan app has a loan plan for all your financial needs, including loans to resolve a bottleneck, loans for marriage, and even for education. Once you get the loan, you can slowly repay it within a period of 6 – 51 months.

  • Minimum Loan Amount: Rs. 10,000
  • Maximum Loan Amount: Rs. 2.4 lakhs


CASHe is one of the best financial apps in India to get quick funds to resolve your financial crisis or pay for sudden medical bills that are not covered by your health plan. As long as you have a good credit score and provide the necessary documents, including your Aadhaar and PAN card, the application will be approved within a few minutes, and you will receive the money in your registered account.

Please note that CASHe uses an algorithm-based machine learning platform to check your social profile, monthly income, and your credit history to approve your loan.

  • Minimum Loan Amount: Rs. 7,000
  • Maximum Loan Amount: Rs. 4 lakhs


Although there are many fast cash loan apps for millennials, KreditBee undoubtedly holds one of the top spots. As long as you are 18 years old or older and earn at least Rs. 10,000 per month salary, KreditBee is ready to lend your instant cash loans of varying amounts ranging from Rs. 1,000 to Rs. 2 lakhs.

Just download the app and create a profile in it. The whole loan application process will be paperless, and you won’t have to leave your home at all. All you need to do is follow the on-screen instructions, upload the necessary documents, and wait for them to verify them. Once the KreditBee team verifies and approves your loan application, you will receive money directly to your registered bank account. Securing cash loans has never been easier.

  • Minimum Loan Amount: Rs. 1,000
  • Maximum Loan Amount: Rs. 2 lakhs


One of the quickest instant cash loan apps in India, Nira has one of the fastest personal loan eligibility checks that determine your loan qualifications within just 3 minutes. And if you qualify for the loan, you can receive up to Rs. 1 lakh, which will be deposited to your bank account within a few minutes of your loan application approval. After that, you will be able to pay back in easy installations within 3 – 24 months. So, if you need to borrow money quickly, Nira is a good option.

  • Minimum Loan Amount: Rs. 5,000
  • Maximum Loan Amount: Rs. 1 lakh


So, there it is. We have listed the best instant cash loan apps in India in 2022 that allow you to secure a personal loan within a few minutes. With these apps, you no longer have to go out of your house and submit document after document to apply for a cash loan. You can get it done digitally and right from the comfort of your home. Most of these applications just need your PAN card, Aadhaar card, mobile number, and address proof to process your loan applications. Evaluate how much money you need to borrow and compare the features of each of these apps we have mentioned in this article. This way, you will be able to find the app that suits your financial needs.