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Best Instant Personal loan apps in India 2021


Best Instant Personal loan apps in India with using these apps you can get a personal loan within 3 to 5 minutes.

There are many apps in India for personal loans right now, but not all of them give you loans. But the apps mentioned in this article work very well, you will get your loan in 5 minutes in your bank account.

Best Instant Personal loan apps in India 2021

Nowadays, each company in the country has gradually started an online portal, but at the same time, fraud has also started increasing. Keeping this in mind, a list has been prepared.

In the list prepared by us, the interest rate is also low and the tenure is available for two months, if you take a loan of 2-3 lakhs, then your loan tenure will be from 1 to 2 years.

instant personal loan

There is no need to send any physical documents in applying for loans in all these apps. In this loan application, only the Aadhaar card and PAN card are recognized for documentation.

But if you want to submit a loan application for Rs 2 to 5 lakhs, you will need to submit a bank statement for six months. And a specialty of all these loan apps is that it does not ask for any salary slip and ITR file for loan approval.

Four Best Instant Loan Apps in India 

It has told you about four good loan apps from which you have taken a loan in an emergency. There are very few chances of getting loan application rejections even if you earn only 2000 months, then the chances of getting rejections are less.

How to take a loan from Kreditbee?

Kreditbee: Kreditbee provides loans to self-employed and employees, and one of the specialties of this loan app is that you can shop online for any item in installment. If you are salaried, then you will get a loan up to 2 lakh in the first try.


kreditbee loan

Kreditbee transfers your loan from 1000 to 2 lakhs within 5 minutes. How much loan you will be able to take depends on your bank statement, and your result is seen in your profile. Kreditbee takes only 2% interest and takes a second loan less than the processing fee.

Use this referral code you will be subsidized on processing fees when you apply for any loan on Kreditbee – KBPG7UTT

Documents for Kreditbee loan app –

  • Aadhaar card
  • Pan Card
  • Salary Slip for Maximum loan
  • Bank Statement up to six months
  • One Selfie

All these document photos have to be uploaded, after which immediately your result comes, how much loan you are eligible for.

How to take a loan from Kreditzy?

Kreditzy: Credizi also provides loans to salaried and self-employed professionals. Starting from 1000, Kreditzy provides loans up to 100,000 Lakhs immediately according to the requirement of the people.

kreditzy loan

Although many loan apps are currently available, all of them do not provide loans in every town and village in India. But the Kreditzy company provides loans to Residential all the Towns / Villages of India in 15 minutes.


The interest rate of the Kreditzy loan app ranges from 18% to 35% for short term loans. And for a loan of 30 days, Kreditzy charges processing fees from 100 rupees to 1000 rupees.

Use this referral code you will be subsidized on processing fees when you apply for any loan on Kreditzy – SAIRNMQKJ

Documents required for Kreditzy loan app –

  • Aadhaar card
  • Pan Card
  • Salary Slip for salary holder
  • Two Contact numbers

Penalty deduction from the compensation of the day on repayment of loan time.


How to take a loan from Smartcoin?

Smart coin: Smartcoin also one of the best loan provider app in India. You can apply for a loan for your small financial issues. The Smartcoin Loan App provides loans at 3% interest per month and deducts a small policy fee along with it.

smartcoin loan

The tenure of the Smartcoin loan app is from one month to six months, you can take a loan from 2000 rupees to 50000 rupees in one hour.

The Smartcoin penalty is something like this 120% yearly, then a penalty will be 100 rupees per day and number of days X 100. Yearly 120% X 365.


Documents required –

  • Pan Card
  • Aadhaar card
  • Current address proof
  • Bank Details – bank cheque leaf
  • Current photograph – Selfie

How to take a loan from Z2P?

Z2P: Z2P hassle-free loans app it’s also the best and trusted loan app in India you will get loan approval within one working day. After approval, you have to ask for a signature loan agreement to get the loan.

z2p loan

Z2P loan app provides loans from 1000 rupees to 100000 lakh. No paperwork and no physical documents required just upload documents to that app and get an instant loan approved.


Like all loan apps, this loan app also has a penalty policy, if you do not repay the loan at the end of the time, then you will have to pay a penalty from Rs 50 to Rs 300 per day.

Documents requirements –

  • Aadhaar card
  • Pan card
  • Selfie
  • Bank Statement

So all this loan app has a chance of 0% of loan application rejections. If you need a loan for an emergency immediately, then all these loans app will be helpful for you.

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