Best Instant Personal Loans — August 2026
Lenders and apps named across RupeeRahi's instant, quick, small-ticket and digital personal loan pages, deduplicated into one list.
01
Airtel Finance
Marketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money Limited
AmountPersonal Loan (Flexi Credit): marketed 'up to ₹1000000 Instant Loan' (site also references up to ₹9-10 lakh range)
Tenure—
APR'Interest @ 12.75% p.a.' shown as a starting/from rate; actual rate varies by matched partner lender
Apply now →VerifiedMarketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money LimitedKFS: availableLast checked: 2026-08-21View source →
Named on 32 of 156 pages in this group02
CASHe
Bhanix Finance and Investment Limited
Amount₹15,000 to ₹3,00,000
Tenure3 to 18 months
APR—
Apply now →Named on 17 of 156 pages in this group
Named on 1 of 156 pages in this group
04
DMI Finance
DMI Finance Private Limited
AmountPersonal Loan up to ₹10,00,000
Tenure—
APR11.99% onwards
Apply now →Named on 13 of 156 pages in this group
05
Fibe
Multi-lender marketplace — 13 named partner NBFCs including EarlySalary Service Private Limited (Fibe's own group NBFC, formerly Ashish Securities Private Limited), KrazyBee Services, Northern Arc Capital, Incred Financial Services, HDB Financial Services, Vivriti Capital, Kisetsu Saison Finance (India), Piramal Finance, Tata Capital, Cholamandalam Investment & Finance, Oxyzo Financial Services, Mirae Asset Financial Services (India), SMFG India Credit
AmountUp to ₹10,00,000, described as instant and collateral-free
Tenure—
APR—
Apply now →VerifiedMulti-lender marketplace — 13 named partner NBFCs including EarlySalary Service Private Limited (Fibe's own group NBFC, formerly Ashish Securities Private Limited), KrazyBee Services, Northern Arc Capital, Incred Financial Services, HDB Financial Services, Vivriti Capital, Kisetsu Saison Finance (India), Piramal Finance, Tata Capital, Cholamandalam Investment & Finance, Oxyzo Financial Services, Mirae Asset Financial Services (India), SMFG India CreditKFS: availableLast checked: 2026-08-21View source →
Named on 2 of 156 pages in this group06
Finnable
Finnable Technologies Private Limited (platform operator) — loans routed via Finnable Credit Private Limited (own NBFC arm) and partner NBFCs/banks
AmountUp to ₹10 lakhs; EMIs cited 'as low as ₹3,000'
Tenure—
APR—
Apply now →VerifiedFinnable Technologies Private Limited (platform operator) — loans routed via Finnable Credit Private Limited (own NBFC arm) and partner NBFCs/banksKFS: not-foundLast checked: 2026-08-21View source →
Named on 2 of 156 pages in this group07
Hero FinCorp
Hero FinCorp Limited
Amount₹50,000 to ₹7 lakh
Tenure12 to 36 months
APRStarting from 18% p.a.; range stated as Min 18% Max 30%
Apply now →Named on 3 of 156 pages in this group
08
Home Credit India
Home Credit India Finance Private Limited
Amount₹10,000 to ₹4.8 Lakhs (₹4,80,000)
Tenure12 to 60 months
APR21% to 39.5%
Apply now →VerifiedHome Credit India Finance Private LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 29 of 156 pages in this group09
IIFL Finance
IIFL Finance Limited
Amount₹5,000 to ₹5,00,000
Tenure3 months to 42 months
APR12.75%–44% p.a. per main text; a separate rates section lists '12%–28% (Fixed)' — figures conflict.
Apply now →Named on 1 of 156 pages in this group
10
Kissht
Si Creva Capital Services Private Limited
AmountUp to ₹5,00,000
Tenure6 to 60 months
APRStarting from 1% per month
Apply now →VerifiedSi Creva Capital Services Private LimitedKFS: availableLast checked: 2026-08-21View source →
Named on 25 of 156 pages in this groupNamed on 2 of 156 pages in this group
Named on 6 of 156 pages in this group
13
LoanTap
LoanTap Credit Products Private Limited (LoanTap's own NBFC arm) plus 30+ additional partner NBFCs/banks
AmountPersonal loans: up to ₹10 lakhs. Business/MSME loans: up to ₹10 lakhs. E-Bike loans: ₹20,000–₹2,00,000.
TenurePersonal loans: up to 60 months. Business loans: up to 36 months.
APR—
Apply now →VerifiedLoanTap Credit Products Private Limited (LoanTap's own NBFC arm) plus 30+ additional partner NBFCs/banksKFS: not-foundLast checked: 2026-08-21View source →
Named on 1 of 156 pages in this group14
Money View
Multi-lender marketplace — 15+ named partner NBFCs/banks (e.g. Clix Capital, DMI Finance, Northern Arc, SMFG India Credit, Piramal Finance, Vivriti Capital, Aditya Birla Capital, Credit Saison, Cholamandalam Investment & Finance, Oxyzo, South Indian Bank, PayU Finance, Wizdm Finance, BharatPe, Grow Money Capital)
Amount₹5,000 to ₹10,00,000
Tenure3 to 60 months (5 years)
APRStarting from 1.16% per month (14% annually*)
Apply now →VerifiedMulti-lender marketplace — 15+ named partner NBFCs/banks (e.g. Clix Capital, DMI Finance, Northern Arc, SMFG India Credit, Piramal Finance, Vivriti Capital, Aditya Birla Capital, Credit Saison, Cholamandalam Investment & Finance, Oxyzo, South Indian Bank, PayU Finance, Wizdm Finance, BharatPe, Grow Money Capital)KFS: not-foundLast checked: 2026-08-21View source →
Named on 22 of 156 pages in this group15
mPokket
mPokket Financial Services Private Limited
AmountLoans / credit limit up to ₹2,00,000
TenureSite describes lump-sum or EMI repayment flexibility but no numeric tenure range on homepage
APR—
Apply now →VerifiedmPokket Financial Services Private LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 1 of 156 pages in this group16
Nira
Marketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt Ltd
AmountLoans up to ₹1 lakh
TenureUp to 12 months
APR"As low as 2% per month"
Apply now →VerifiedMarketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt LtdKFS: availableLast checked: 2026-08-21View source →
Named on 1 of 156 pages in this group17
Poonawalla Fincorp
Poonawalla Fincorp Limited
Amount₹1 Lakh to ₹50 Lakh
Tenure12–84 months
APRStarting at 9.99% p.a.
Apply now →Named on 9 of 156 pages in this group
18
Prefr
Marketplace — loans via named partner NBFCs: Aditya Birla Finance Limited, Poonawalla Fincorp Limited, SMFG India Credit Company Limited, MAS Financial Services Limited, and Kissht; platform operated by Dreamplug Technologies Pvt Ltd
Amount—
Tenure—
APR—
Apply now →VerifiedMarketplace — loans via named partner NBFCs: Aditya Birla Finance Limited, Poonawalla Fincorp Limited, SMFG India Credit Company Limited, MAS Financial Services Limited, and Kissht; platform operated by Dreamplug Technologies Pvt LtdKFS: not-foundLast checked: 2026-08-21View source →
Named on 1 of 156 pages in this group19
Punjab National Bank
Punjab National Bank
AmountUp to ₹50 Lakh (headline claim; no minimum stated)
Tenure—
APR—
Apply now →Named on 2 of 156 pages in this group
20
Shriram Finance
Shriram Finance Limited
AmountUp to ₹10,00,000
Tenure12 to 60 months
APRStarting at 11%* p.a.
Apply now →Named on 16 of 156 pages in this group
21
Stashfin
Akara Capital Advisors Private Limited
AmountUp to ₹5,00,000
Tenure3–48 months
APR"0% for up to 30 days. 0%–39% rates applicable after the interest-free period"; APR range separately cited as 10%–45%
Apply now →Named on 41 of 156 pages in this group
22
State Bank of India
State Bank of India
AmountMinimum ₹1 lakh, up to ₹50 lakhs
TenureMinimum 6 months, maximum 84 months
APRStarting from 10.00%* p.a. (rate table effective w.e.f. 01.04.2026)
Apply now →Named on 1 of 156 pages in this group
23
TrustPaisa
Thanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd (named RBI-registered NBFC lending partners); platform operated by Flexidigital Tech India Pvt Ltd
Amount₹3,000 – ₹45,000
Tenure91 – 365 days
APRUp to 36% p.a.
Apply now →VerifiedThanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd (named RBI-registered NBFC lending partners); platform operated by Flexidigital Tech India Pvt LtdKFS: not-foundLast checked: 2026-08-21View source →
Named on 4 of 156 pages in this group24
Zype
Respo Financial Capital Private Limited
AmountUp to ₹5 lakh
Tenure6 to 36 months
APR18% to 34% per annum, depending on borrower profile
Apply now →Named on 1 of 156 pages in this group
25
Aditya Birla Capital
Aditya Birla Finance Limited
AmountMinimum personal loan amount is about Rs 50,000, while the maximum is up to ₹50 lakhs.
TenureTenure 1 to 7 Years (per EMI calculator tool)
APRIndicative range of Rate of Interest: 10% p.a. to 28% p.a.; also stated: Personal Loan Starting at 10.99%* p.a.
Apply now →Named on 16 of 156 pages in this group
26
MoneyTap
App brand — loans via partner NBFCs
Amount₹500 to ₹5 lakh
Tenure3 to 36 months
APR—
Apply now →Relationship unclearApp brand — loans via partner NBFCsKFS: not-foundLast checked: 2026-08-21View source →
Named on 1 of 156 pages in this group27
Paytm
Platform — loans via partner lenders
Amount₹5,000 to ₹15,00,000
Tenure3 to 84 months (FAQ elsewhere cites 3–60 months)
APRStarting from 9% p.a. (reducing balance); EMI calculator cites a range of 10.99%–36%
Apply now →Relationship unclearPlatform — loans via partner lendersKFS: not-foundLast checked: 2026-08-21View source →
Named on 30 of 156 pages in this groupRelationship unclearApp brand — loans via partner NBFCKFS: not-foundLast checked: 2026-08-21View source →
Named on 8 of 156 pages in this groupNamed on 50 of 156 pages in this group
Named on 8 of 156 pages in this group
Not disclosedMahindra & Mahindra Financial Services LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 4 of 156 pages in this groupNamed on 17 of 156 pages in this group
Named on 6 of 156 pages in this group
Named on 20 of 156 pages in this group
Named on 27 of 156 pages in this group
Amount, tenure and APR are shown only where we have independently verified the figure from the lender's own source — where we don't, you see "—" rather than a marketing number. Commercial partnerships never change the order above.
Side-by-side comparison
Tick "Compare" on up to three lenders above to see them side by side.
Field
Airtel Finance
Marketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money Limited
CASHe
Bhanix Finance and Investment Limited
Dhani
Dhani Loans and Services Limited
DMI Finance
DMI Finance Private Limited
Fibe
Multi-lender marketplace — 13 named partner NBFCs including EarlySalary Service Private Limited (Fibe's own group NBFC, formerly Ashish Securities Private Limited), KrazyBee Services, Northern Arc Capital, Incred Financial Services, HDB Financial Services, Vivriti Capital, Kisetsu Saison Finance (India), Piramal Finance, Tata Capital, Cholamandalam Investment & Finance, Oxyzo Financial Services, Mirae Asset Financial Services (India), SMFG India Credit
Finnable
Finnable Technologies Private Limited (platform operator) — loans routed via Finnable Credit Private Limited (own NBFC arm) and partner NBFCs/banks
Hero FinCorp
Hero FinCorp Limited
Home Credit India
Home Credit India Finance Private Limited
IIFL Finance
IIFL Finance Limited
Kissht
Si Creva Capital Services Private Limited
KreditBee
KrazyBee Services Limited
LazyPay
PayU Finance India Private Limited
LoanTap
LoanTap Credit Products Private Limited (LoanTap's own NBFC arm) plus 30+ additional partner NBFCs/banks
Money View
Multi-lender marketplace — 15+ named partner NBFCs/banks (e.g. Clix Capital, DMI Finance, Northern Arc, SMFG India Credit, Piramal Finance, Vivriti Capital, Aditya Birla Capital, Credit Saison, Cholamandalam Investment & Finance, Oxyzo, South Indian Bank, PayU Finance, Wizdm Finance, BharatPe, Grow Money Capital)
mPokket
mPokket Financial Services Private Limited
Nira
Marketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt Ltd
Poonawalla Fincorp
Poonawalla Fincorp Limited
Prefr
Marketplace — loans via named partner NBFCs: Aditya Birla Finance Limited, Poonawalla Fincorp Limited, SMFG India Credit Company Limited, MAS Financial Services Limited, and Kissht; platform operated by Dreamplug Technologies Pvt Ltd
Punjab National Bank
Punjab National Bank
Shriram Finance
Shriram Finance Limited
Stashfin
Akara Capital Advisors Private Limited
State Bank of India
State Bank of India
TrustPaisa
Thanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd (named RBI-registered NBFC lending partners); platform operated by Flexidigital Tech India Pvt Ltd
Zype
Respo Financial Capital Private Limited
Aditya Birla Capital
Aditya Birla Finance Limited
MoneyTap
App brand — loans via partner NBFCs
Paytm
Platform — loans via partner lenders
RapidRupee
App brand — loans via partner NBFC
Bajaj Finserv
Bajaj Finance Limited
HDB Financial Services
HDB Financial Services Limited
Mahindra Finance
Mahindra & Mahindra Financial Services Limited
Muthoot Finance
Muthoot Finance Limited
Navi
Navi Finserv Limited
SMFG India Credit
SMFG India Credit Company Limited
Tata Capital
Tata Capital Limited
Loan amount
Personal Loan (Flexi Credit): marketed 'up to ₹1000000 Instant Loan' (site also references up to ₹9-10 lakh range)
₹15,000 to ₹3,00,000
—
Personal Loan up to ₹10,00,000
Up to ₹10,00,000, described as instant and collateral-free
Up to ₹10 lakhs; EMIs cited 'as low as ₹3,000'
₹50,000 to ₹7 lakh
₹10,000 to ₹4.8 Lakhs (₹4,80,000)
₹5,000 to ₹5,00,000
Up to ₹5,00,000
₹6,000 to ₹10,00,000
—
Personal loans: up to ₹10 lakhs. Business/MSME loans: up to ₹10 lakhs. E-Bike loans: ₹20,000–₹2,00,000.
₹5,000 to ₹10,00,000
Loans / credit limit up to ₹2,00,000
Loans up to ₹1 lakh
₹1 Lakh to ₹50 Lakh
—
Up to ₹50 Lakh (headline claim; no minimum stated)
Up to ₹10,00,000
Up to ₹5,00,000
Minimum ₹1 lakh, up to ₹50 lakhs
₹3,000 – ₹45,000
Up to ₹5 lakh
Minimum personal loan amount is about Rs 50,000, while the maximum is up to ₹50 lakhs.
₹500 to ₹5 lakh
₹5,000 to ₹15,00,000
—
—
—
—
—
—
—
—
Tenure
—
3 to 18 months
—
—
—
—
12 to 36 months
12 to 60 months
3 months to 42 months
6 to 60 months
6 to 60 months
—
Personal loans: up to 60 months. Business loans: up to 36 months.
3 to 60 months (5 years)
Site describes lump-sum or EMI repayment flexibility but no numeric tenure range on homepage
Up to 12 months
12–84 months
—
—
12 to 60 months
3–48 months
Minimum 6 months, maximum 84 months
91 – 365 days
6 to 36 months
Tenure 1 to 7 Years (per EMI calculator tool)
3 to 36 months
3 to 84 months (FAQ elsewhere cites 3–60 months)
—
—
—
—
—
—
—
—
APR
'Interest @ 12.75% p.a.' shown as a starting/from rate; actual rate varies by matched partner lender
—
—
11.99% onwards
—
—
Starting from 18% p.a.; range stated as Min 18% Max 30%
21% to 39.5%
12.75%–44% p.a. per main text; a separate rates section lists '12%–28% (Fixed)' — figures conflict.
Starting from 1% per month
—
—
—
Starting from 1.16% per month (14% annually*)
—
"As low as 2% per month"
Starting at 9.99% p.a.
—
—
Starting at 11%* p.a.
"0% for up to 30 days. 0%–39% rates applicable after the interest-free period"; APR range separately cited as 10%–45%
Starting from 10.00%* p.a. (rate table effective w.e.f. 01.04.2026)
Up to 36% p.a.
18% to 34% per annum, depending on borrower profile
Indicative range of Rate of Interest: 10% p.a. to 28% p.a.; also stated: Personal Loan Starting at 10.99%* p.a.
—
Starting from 9% p.a. (reducing balance); EMI calculator cites a range of 10.99%–36%
—
—
—
—
—
—
—
—
Processing fee
2–5% + GST
—
—
3.25%
—
—
Minimum 2.5% + applicable GST
Up to 3.9% of the loan amount
2%–9% + GST, plus up to ₹500 additional 'Convenience Fee'.
—
—
—
—
Starting from 2% of the approved loan amount
—
—
Up to 4% (plus applicable taxes) per rates page; FAQ elsewhere states 'up to 3%' — figures conflict.
—
—
Up to 5%*
Transaction Fee: 3% + 18% GST
Up to 1.50% of the loan amount (min ₹1,000, max ₹15,000) + GST; waivers for certain customer categories
Up to 15% of loan amount, one-time, deducted at disbursal; GST applicable
—
Up to 4% of the Loan Sanctioned Amount
—
0–3% of loan amount, plus 18% GST on the fee
—
—
—
—
—
—
—
—
Legal lender / entity
Marketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money Limited
Bhanix Finance and Investment Limited
Dhani Loans and Services Limited
DMI Finance Private Limited
Multi-lender marketplace — 13 named partner NBFCs including EarlySalary Service Private Limited (Fibe's own group NBFC, formerly Ashish Securities Private Limited), KrazyBee Services, Northern Arc Capital, Incred Financial Services, HDB Financial Services, Vivriti Capital, Kisetsu Saison Finance (India), Piramal Finance, Tata Capital, Cholamandalam Investment & Finance, Oxyzo Financial Services, Mirae Asset Financial Services (India), SMFG India Credit
Finnable Technologies Private Limited (platform operator) — loans routed via Finnable Credit Private Limited (own NBFC arm) and partner NBFCs/banks
Hero FinCorp Limited
Home Credit India Finance Private Limited
IIFL Finance Limited
Si Creva Capital Services Private Limited
KrazyBee Services Limited
PayU Finance India Private Limited
LoanTap Credit Products Private Limited (LoanTap's own NBFC arm) plus 30+ additional partner NBFCs/banks
Multi-lender marketplace — 15+ named partner NBFCs/banks (e.g. Clix Capital, DMI Finance, Northern Arc, SMFG India Credit, Piramal Finance, Vivriti Capital, Aditya Birla Capital, Credit Saison, Cholamandalam Investment & Finance, Oxyzo, South Indian Bank, PayU Finance, Wizdm Finance, BharatPe, Grow Money Capital)
mPokket Financial Services Private Limited
Marketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt Ltd
Poonawalla Fincorp Limited
Marketplace — loans via named partner NBFCs: Aditya Birla Finance Limited, Poonawalla Fincorp Limited, SMFG India Credit Company Limited, MAS Financial Services Limited, and Kissht; platform operated by Dreamplug Technologies Pvt Ltd
Punjab National Bank
Shriram Finance Limited
Akara Capital Advisors Private Limited
State Bank of India
Thanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd (named RBI-registered NBFC lending partners); platform operated by Flexidigital Tech India Pvt Ltd
Respo Financial Capital Private Limited
Aditya Birla Finance Limited
App brand — loans via partner NBFCs
Platform — loans via partner lenders
App brand — loans via partner NBFC
Bajaj Finance Limited
HDB Financial Services Limited
Mahindra & Mahindra Financial Services Limited
Muthoot Finance Limited
Navi Finserv Limited
SMFG India Credit Company Limited
Tata Capital Limited
Verification status
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Verified
Relationship unclear
Relationship unclear
Relationship unclear
Relationship unclear
Not disclosed
Not disclosed
Not disclosed
Not disclosed
Not disclosed
Not disclosed
Not disclosed
Key Facts Statement (KFS)
Available
Not found
Not found
Not found
Available
Not found
Available
Not found
Not found
Available
Not found
Not found
Not found
Not found
Not found
Available
Not found
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Not found
Available
Not found
Not found
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Last checked
2026-08-21
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Source
Loan pages behind this ranking156 pages
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How we rank instant personal loans
This list is the union of every lender named across 156 RupeeRahi loan pages in the "Instant personal loans" group, deduplicated by brand. We do not have a verified total-cost figure for most lenders yet, so we cannot honestly rank by cost. Instead we rank by evidence: lenders whose regulated entity is verified from an official source come first, then everyone else, alphabetically within each group.
We do not rank by commission, and a commercial relationship with a lender never changes this order or the facts shown next to its name. Full disclosure: how we make money.