8 Top Instant Personal Loan Apps for Emergency Cash in 2022

Personal loans are the preferred funding options for those looking for immediate cash to cover their wedding, vacation, home renovation, medical emergency, education, or other big-ticket expenses. Most reputed lenders have launched their personal loan apps in India to ease and accelerate the loan process.

Applying for a personal loan through an instant personal loan app makes funds available to you within minutes. However, you must be confused about which loan app to choose from the hundreds of apps out there. Here is a list of 8 top instant personal loan apps for emergency cash in 2022.

8 Top Instant Personal Loan Apps:


  • Fullerton India InstaLoan App

This app is launched and operated by Fullerton India Credit Company Ltd. You may apply for a personal loan of up to ₹ 25 lakhs through the app in a 100% digital procedure. Once you provide the necessary details and submit your documents, you get instant confirmation of your eligibility and get the loan disbursed into your bank account within 24 hours. Most notable features include competitive interest rates, flexible repayment terms, instant approval, and paperless documentation. Therefore, it is an ideal instant loan app that provides quick funds in an emergency.

  • Early Salary Instant Personal Loan App

This app from Social Worth Technologies Private Limited allows you to borrow a personal loan from ₹ 8000 to ₹ 5 lakh. The loan app is best known for its competitive interest rates, zero pre-closure charges, instant loan approval, and disbursal in 10 minutes. Any salaried employee earning a minimum of ₹ 15,000 can apply for a loan through this app. Besides that, the app also supports applications for no-cost shopping loans, free education loans, and SalaryCard.

  • Tata Capital – Personal Loan

Apply for a personal loan of ₹ 20,000 to ₹ 25 lakhs through the app and avail of benefits like paperless documentation, no foreclosure charges, and digital EMI payments. The app’s best features include flexible repayment, no collateral involved, competitive interest rates, and instant loan approval. Applicants may also apply for a home or business loan using this instant loan app from Tata Capital Financial Services Limited.

  • PaySense Personal Loan App

This is one of the user-friendliest loan apps in India, offering personal loans from ₹ 5,000 to ₹ 5,00,000. The app is straightforward to use, giving you the needed funds within minutes. At PaySense, you get competitive interest rates and flexible repayment terms of 3 to 60 months with your loan.

  • Bajaj Finserv- UPI, Pay, Loans

This app from Bajaj Finance Limited is not only a loan app but also an app that works as a bill payments app, e-wallet, expense manager, store locator, and mobile recharge app. As far as personal loans are concerned, you may apply for a personal loan of up to ₹ 25 lakhs using the app. The best features of Bajaj Finserv personal loans are low-interest rates, flexible repayment terms, minimal processing fees, quick approval, and hassle-free documentation.

  • IBL FINANCE – Quick Online Personal Loan App

IBL Finance is one of the RBI registered NBFCs in India, offering easy personal loans ranging from ₹ 10,000 to ₹ 50,000. Apply for an instant loan through the app and avail benefits like paperless documentation, nominal processing fee, flexible EMIs, and online loan procedure. You do not need to provide any collateral, guarantor, income proof, or salary slips to apply for a personal loan through this app.

  • RapidRupee – Personal Loan App Instant Online Loan

RapidRupee is an instant loan app from AFG Business Solutions (India) Private Limited. Install this app on your smartphone and apply for a loan from ₹ 1,000 and ₹ 60,000 online. The app’s most sought-after features include minimal processing fee, competitive Interest rates, no upfront or membership fee, and quick disbursal. You may get your loan instantly in 30 minutes and get 61 to 365 days to repay it in easy EMIs. No credit checks and paperwork are involved during the loan process through the app.

  • SmartCoin Instant Personal Loan App

SmartCoin offers personal loans between ₹ 4,000 and ₹ 1 lakh with minimal documentation involving zero prepayment charges. You get your loan within minutes and repay it in 62 to 365 days.


These are the 8 top instant loan apps in India. All of these support 100% online loan procedure and paperless documentation, which means they can make the needed funds available to you within minutes. So, they can be your best source of finance during urgent money needs in 2022, such as a medical emergency.

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