The fast-paced lifestyle in which we live makes us want everything in a jiffy. Borrowers are now looking out for instant solutions to manage their emergency cash requirements. Thanks to digital banking, customer-friendly instant loan platforms are increasingly becoming popular. 

Instant loans starting at 0% interest are now available which could be the right solution for borrowers looking for quick cash. Be it financing your education expenses, marriage, medical expenses, business needs or purchasing gadgets, these instant loans are handy for every purpose. These instant or flexible loans at low-interest rates ensure that you have enough funds to meet your varied finance needs.

Additional Reading: Get Instant Cash Loans in One Hour 

Let us check out some credible loan platforms that offer instant loans, with up to 90 days of repayment, to help you tide over your financial woes.

  1. Capital First Limited

Capital First Limited starts processing a loan application immediately on receiving the application for the same. Loan amounts up to Rs. 25 lakhs can be sanctioned for a flexible time period. Borrowers can stay updated with their loan account and get loan statements any time by accessing the website of Capital First Limited. 

  1. CashBean

Applicants in the age range of 21 to 56 years are eligible for a CashBean instant loan. Loans are sanctioned between Rs. 1500 – Rs. 60,000 for a period of 62 - 120 days. Basic one-time processing fee applicable. Only online transactions using the CashBean online portal available. The online portal makes use of 256-bit SSL encryption ensuring the security of the applicant’s personal and financial credentials. 

  1. CASHe

100% paperless loan application instant loan platform where the loan amount gets instantly credited to the applicant’s bank account right after the initial approval. No foreclosure charges are applicable.  Applicants with a minimum salary of Rs. 15,000 per month are eligible to get a loan between Rs. 10,000 to Rs.3,00,000. The loan tenure ranges between 2 months to 1 year.

  1. Credy

Instant personal, education and emergency loans are available to salaried individuals who have low credit scores. The minimum salary requirement for borrowers is Rs.15,000 per month. Credy also offers top-up loans and tips on improving your credit score. The distinct feature of instant loans from Credy is low interest rates and a long repayment period of up to 15 months available. Customised loans for refinancing and education purposes are also available without any need for additional costs, collateral. 

  1. Dhani

Dhani platform is a  ‘phone se loan’ app where instant loan up to Rs. 15 lakhs get immediately credited to your bank account after approval. Loan repayment tenure ranges between 3 to 72 months. The whole online application process, including the online upload of KYC details, takes just 2 minutes. But, applicants need to have a good credit score and stable income to qualify for instant loans from Dhani. There are several Dhani App promo codes available but you can get verified Dhani promo codes & Coupons on Using these online Dhani promo codes gets you loans at discounted interest rates. 

  1. EarlySalary

Minimum salary of Rs. 20,000 per month is required for you to be eligible for an instant loan of up to Rs. 5 lakhs from Early Salary. Even if the borrower does not have a credit history, by submitting authentic documents, the loan can be availed immediately. EarlySalary also has tie-ups with key educational institutions to provide loans to students. These loans come with a flexible repayment option between 90 days to 12 months with up to a 30% interest rate.

Further Reading: How to get an instant loan without documents? 

  1. FlexSalary

One-time application and one-time approval are available on FlexSalary. Instant loan disbursal is available along with benefits like flexible withdrawal. Flexible repayment policy, no fixed EMI and advance salary loan available which can be availed from any compatible device.

  1. Nira

Nira provides loans to salaried employees with even low credit scores for a tenure between 3 months to 1 year. The loan amount sanctioned is between Rs 3,000 to Rs. 1 lakh, wherein a borrower can withdraw Rs. 5,000 or more during any emergency and repay the same in easy instalments.

  1. KreditBee

At KreditBee, you get an instant loan up to Rs. 2 lakhs at 0-2.4% interest per month. The loan tenure available is between 62 days - 15 months. One time service charge and nominal processing fee applicable. Young professionals can avail of loans of up to Rs. 1 lakh with guaranteed disbursal within 15 minutes of such application.

  1. MoneyTap

A minimum salary of Rs. 30,000 per month is required to be eligible to apply for a loan at MoneyTap. The app offers a unique no-usage-no-interest feature wherein the borrower needs to pay interest only on the money utilised. 100% digital process where loans up to Rs. 5 lakhs are available for a tenure ranging from 3 – 36 months at flexible interest rates.

Additional Reading: How can I apply for a short term loan in India? 


These online digital platforms make it super easy to avail of an instant loan with minimal documentation. Complete the paperless KYC verification process by uploading scanned digital documents, submit the online application and get an instant loan within minutes.


1.  Are instant loans disbursed immediately?

Yes, instant loans on online platforms get disbursed immediately. Most of the platforms offer loan disbursal within minutes at most within 24 hours of approval of such loans.

2. Are customised interest rates available on these instant loan apps?

Yes, based on your credit score and income status, you can ask for customised loans from online instant loan platforms.

3. Can I get a personal loan at a low-interest rate even if I have a low credit score?

Yes. You can get a personal loan at a low-interest rate on these instant loan apps even if you have a low credit score. For this, ensure that you have a stable income or go in for a co-applicant who has a good credit score.  

4. Will online uploading of documentation be considered enough for availing an instant loan?

Yes, most of these instant loan apps are online platforms that can be easily accessed even from your mobile. These loans are instantly disbursed on approval and ask for upload of documents via their app/online platform/website. The entire process is hassle-free and seamless. 

5. Is there a flexible repayment option for an instant loan?

Yes, instant loans offer flexible repayment options making them a viable option for individual and first-time borrowers.