12+ Best 7 Days Loan App List in India | Quick Approval 2025.

Overview

Mobile applications have profoundly reshaped the personal finance landscape, transforming how individuals access credit, manage funds, and achieve financial goals. In India, the surge in smartphone penetration and digital literacy has fueled a burgeoning digital lending ecosystem. Instant loan apps have emerged as a primary solution for immediate financial needs, offering unprecedented speed, convenience, and accessibility compared to traditional banking methods.

This comprehensive overview delves into the features, loan ranges, interest rates, pros, and cons of prominent loan applications in India, updated for 2025. While these platforms often promise quick approvals and minimal paperwork, including those frequently searched as “7 Days Loan App List,” it’s crucial for borrowers to understand their intricate terms, potential costs, and associated risks to ensure responsible and informed borrowing.  

Why Use a 7 Days Loan App List?

A carefully curated 7 days loan app list helps you compare options in one place. Here are the key reasons to consider these apps:

• Speed: Many apps approve and disburse loans within minutes or hours.
• Minimum Documentation: Paperless KYC using Aadhaar or PAN and a selfie.
• Small Loan Amounts: Loan sizes typically range from ₹500 to ₹5,00,000.
• Short Tenure: Repayment in about seven days means lower overall interest compared to longer tenures.

Using a 7 days loan app list helps you save time and avoid browsing multiple sites for details.

Top 10 7 Days Loan App List in India

Below are the top 10 apps on the 7 days loan app list. Each entry includes a brief description and a list of pros and cons to help you decide which one fits your needs.

Here is the table of the specified loan apps, excluding the pros and cons, focusing on their brief description, loan range, and interest rate.

Key Short-Term Loan Apps in India: Overview (Updated 2025)

The digital lending landscape in India continues to evolve, offering quick financial solutions. However, understanding the specifics of each app is crucial for making informed borrowing decisions. Below, find a detailed analysis of prominent loan apps, complete with their updated features, ranges, and considerations.

App Name	Brief Description	Loan Range (₹)	Interest Rate (Indicative)
1. NoBroker Instacash	Integrated within the NoBroker platform, InstaCash offers quick, collateral-free personal loans to its verified users via a fully digital process.	₹1,000 – ₹50,000	Starting from 12.99% p.a.
2. Bajaj Finserv	A comprehensive financial platform by a leading NBFC, offering large personal loans with flexible repayment options and quick digital processing.	Up to ₹40-55,00,000	Starting from 10% – 11% p.a.
3. Olyv (Formerly SmartCoin)	An all-in-one financial wellness app providing quick, 100% digital personal loans, credit score tracking, and digital gold savings.	Up to ₹5,00,000	Starting at 1.5% per month (APR 30-90% p.a.)
4. MoneyView	A digital lending platform known for its simplified application process and quick disbursal of personal loans, using its own credit assessment model.	₹5,000 – ₹10,00,000	Starting from 14% p.a.
5. KreditBee	A popular instant personal loan app, especially for young professionals and students, offering quick access to small-ticket personal loans and salary advances.	₹1,000 – ₹5,00,000	12% – 29.95% p.a.
6. CASHe	An instant personal loan app offering quick, short-term loans to salaried individuals, using a proprietary Social Loan Quotient for credit assessment.	₹7,000 – ₹4,00,000	Starting at 2.25% – 2.79% per month
7. LazyPay	Primarily offers instant credit for online purchases (“Buy Now, Pay Later”) and also provides “Xpress Cash” personal loans.	₹1,000 – ₹5,00,000	15% – 32% p.a.
8. Fibe (Formerly EarlySalary)	Targets salaried individuals, providing quick short-term cash loans and salary advances through a user-friendly digital platform.	₹5,000 – ₹5,00,000	Starting from 18% p.a.
9. StashFin	Offers an instant credit line and personal loans, often linked to a physical or virtual card, with interest charged only on the amount utilized.	₹1,000 – ₹5,00,000	11.99% – 59.99% APR p.a.
10. LoanTap	Focuses on offering customized loan products, including flexible personal loans for salaried professionals and businessmen, with quick sanctions and disbursals.	₹50,000 – ₹10,00,000	0.99% – 1.5% per month (approx. 12% – 18% p.a.)
11. Dhani	Provides instant personal loans and a credit line, often accompanied by a physical card for ATM withdrawals and online payments, with very fast disbursal.	₹2,000 – ₹15,00,000	1.5% – 3% per month (18% – 36% p.a.)
12. PayMe India	Offers instant personal loans with a focus on rapid fund distribution and fixed-rate interest, aiming for swift financial assistance.	Up to ₹5,00,000	Starting from 1.5% per month (18% p.a.)
13. PayRupik	An online instant personal loan platform that offers quick credit in minutes, especially for smaller amounts, emphasizing transparency and security.	₹1,000 – ₹50,000	Targets salaried individuals, providing quick, short-term cash loans and salary advances through a user-friendly digital platform.

Here is a detailed breakdown of each loan app you listed, including their loan range, interest rate, pros, and cons, based on the latest available information for 2025:

1. NoBroker Instacash

• Brief Description: Integrated within the NoBroker platform, InstaCash offers quick, collateral-free personal loans to its verified users. It boasts a fully digital application and disbursal process designed for convenience.
• Loan Range: ₹1,000 – ₹50,000 (as per recent data, may extend up to ₹10,00,000 for some users/partnerships).
• Interest Rate (p.a.): Starting from 12.99% p.a.
• Pros:
  • Fully Digital Process: Streamlined online application minimizes paperwork.
  • Quick Disbursal: Funds can be disbursed as fast as 5 minutes, generally within 24-48 hours.
  • Minimal Documentation: Requires basic KYC (PAN, Aadhaar).
  • Transparent Terms: Aims for clear terms and conditions.
• Cons:
  • Higher Interest Rates: Compared to traditional bank loans, rates can be elevated.
  • Processing Fees: Charges a processing fee typically between 2% – 8%.
  • Loan Amount Limit: While some sources indicate higher, often restricted to smaller amounts for quick cash needs.
  • Targeted User Base: Primarily for existing/verified NoBroker users.

2. Bajaj Finserv

• Brief Description: A comprehensive financial platform by a leading NBFC, Bajaj Finserv, offers a wide array of personal loan products. Known for its large loan amounts, flexible repayment options, and quick, digital processing.
• Loan Range: Up to ₹40-55,00,000
• Interest Rate (p.a.): Starting from 10% – 11% p.a., potentially up to 31% p.a.
• Pros:
  • High Loan Amounts: Offers significant collateral-free personal loans.
  • Rapid Disbursal: Funds are often disbursed within 24 hours.
  • Flexible Tenures: Wide range of repayment options (up to 8 years).
  • Trusted Brand: Backed by a large and reputable financial institution.
  • Pre-Approved Offers: Existing customers often get fast, pre-approved loan offers.
• Cons:
  • Stricter Eligibility: Generally requires a good CIBIL score (685+) and stable income.
  • Processing Fees: Can be up to 3.93% of the loan amount.
  • Prepayment/Foreclosure Charges: May apply depending on the loan type and tenure.

3. Olyv (Formerly SmartCoin)

• Brief Description: Olyv (formerly SmartCoin) positions itself as an all-in-one financial wellness app. It provides quick, 100% digital personal loans and also offers features like free credit score tracking and digital gold savings.
• Loan Range: Up to ₹5,00,000
• Interest Rate (p.m.): Starting at 1.5% per month (APR range 30-90% p.a.)
• Pros:
  • 100% Digital: The Entire loan application and disbursal process is online.
  • No Collateral/Paperwork: Unsecured loans with minimal documentation.
  • Credit Health Features: Offers free credit score tracking and insights.
  • RBI Registered Lenders: Partners with multiple RBI-registered NBFCs.
• Cons:
  • High APR: Annual Percentage Rate can be significantly high (up to 90%).
  • Processing Fee: Applicable processing fees (e.g., 3% of loan amount + GST).
  • Disbursal Delays: Some user reviews mention delays in fund disbursal despite quick approval.

4. MoneyView

• Brief Description: MoneyView is a digital lending platform known for its simplified application process and quick disbursal of personal loans. It uses its own credit assessment model, which can be beneficial for those with average credit scores.
• Loan Range: ₹5,000 – ₹10,00,000
• Interest Rate (p.a.): Starting from 14% p.a.
• Pros:
  • Quick Eligibility Check: Can check eligibility in minutes.
  • Fast Disbursal: Funds are typically disbursed within 24 hours.
  • Minimal Documentation: Simplified process requiring basic KYC.
  • Flexible Repayment: Offers tenures up to 5 years (60 months).
  • Inclusive Credit Model: Accessible with CIBIL scores of 650 and above.
• Cons:
  • Interest Rate Variability: Rates can be higher for lower credit scores or shorter tenures.
  • Processing Fees: Start at 2% of the approved loan amount.
  • Penal Charges: Penalties for overdue EMIs.

5. KreditBee

• Brief Description: KreditBee is a popular instant personal loan app, particularly favored by salaried individuals and students for quick, small to mid-sized loans and salary advances through a fully digital interface.
• Loan Range: ₹1,000 – ₹5,00,000 (some sources indicate up to ₹10,00,000 for certain loan types)
• Interest Rate (p.a.): 12% – 29.95% p.a.
• Pros:
  • Extremely Fast Disbursal: Funds can be credited in as little as 10-15 minutes.
  • 100% Online Process: Completely paperless from application to disbursal.
  • Lower Income Requirement: Accessible with a minimum monthly income of ₹10,000.
  • Accepts Low/No Credit History: Can avail loans even with a lower CIBIL score or no history, though at higher rates.
• Cons:
  • High Processing Fees: Can go up to 5.1% + GST.
  • Penal Charges: High penalties for overdue payments.
  • Interest Rates: Can be on the higher side, especially for smaller loans or those with weaker credit profiles.

6. CASHe

• Brief Description: CASHe is a popular instant personal loan app that offers quick, short-term loans to salaried individuals. It uses a proprietary Social Loan Quotient (SLQ) to assess creditworthiness and promises rapid approval and disbursal.
• Loan Range: ₹7,000 – ₹4,00,000
• Interest Rate (p.m.): Starting at 2.25% – 2.79% per month (translates to 27% – 33.48% p.a.)
• Pros:
  • Quick Approval & Disbursal: Loans can be approved and disbursed within minutes (often 10-15 mins).
  • Proprietary Credit Scoring (SQL): May benefit individuals with limited traditional credit history.
  • Flexible Tenures: Offers options up to 540 days (approx. 18 months).
  • 100% Digital: The Entire process is app-based and paperless.
• Cons:
  • High Interest Rates: Monthly interest rates are relatively high.
  • Processing Fees: Typically 2-3% of the loan amount.
  • Salaried Focus: Primarily caters to salaried individuals with a minimum income (e.g., ₹15,000 – ₹40,000, depending on location/source).
  • Minor Prepayment Charges: May have negligible prepayment charges.

7. LazyPay

• Brief Description: LazyPay, powered by PayU, primarily offers instant credit for online purchases (Buy Now, Pay Later) but also provides “Xpress Cash” personal loans. It’s known for its seamless, one-tap payment experience and quick access to credit.
• Loan Range: ₹1,000 – ₹5,00,000 (Xpress Cash loans often start from ₹10,000 and go up to ₹1,00,000 – ₹5,00,000)
• Interest Rate (p.a.): 15% – 32% p.a. (or 0.1% – 0.15% per day for small loans)
• Pros:
  • Quick & Easy Access: Seamless application and fast disbursal, often within 2 hours for Xpress Cash.
  • Flexible EMIs: Offers various repayment options.
  • No Questions Asked (for smaller amounts): Convenient for immediate, smaller needs.
  • Integrated with Merchants: Useful for BNPL features.
• Cons:
  • High Interest Rates: Can be relatively high, especially for smaller, shorter-term loans.
  • Processing Fees: Typically 2-4% of the loan amount.
  • Creditworthiness Dependent: Interest rates heavily depend on credit score and loan tenure.

8. Fibe (Formerly EarlySalary)

• Brief Description: Fibe, previously known as EarlySalary, focuses on providing instant cash loans and salary advances to salaried professionals. It’s recognized for its rapid credit decisions and flexible repayment options.
• Loan Range: ₹5,000 – ₹5,00,000 (for salary advance/personal loans)
• Interest Rate (p.a.): Starting from 18% p.a. (can be 0.09% – 0.1% per day for salary advance)
• Pros:
  • Instant Credit Decisions: Quick approval process, sometimes in minutes.
  • Fast Disbursal: Funds can be disbursed almost instantly or within minutes of approval.
  • No Prepayment/Foreclosure Charges: A significant benefit, offering flexibility to repay early.
  • Flexible Tenures: From 3 months up to 36 months.
• Cons:
  • Salaried Focus: Primarily caters to salaried individuals with minimum income criteria.
  • Processing Fees: Typically 2% of the loan amount.
  • Eligibility Varies by City: Minimum salary requirement differs for metro vs. non-metro cities.

9. StashFin

• Brief Description: StashFin offers an instant credit line and personal loans, often linked to a physical or virtual card. It provides access to funds up to a sanctioned limit, with interest charged only on the amount utilized.
• Loan Range: ₹1,000 – ₹5,00,000
• Interest Rate (APR): 11.99% – 59.99% APR p.a.
• Pros:
  • Credit Line Feature: Interest charged only on the utilized amount, not the full sanctioned limit.
  • Quick Disbursal: Claims disbursal within 4 hours.
  • Minimal Paperwork: Entirely digital application, with physical document pickup if required.
  • Flexible Repayment: Tenures from 3 to 36 months.
• Cons:
  • Very High APR: The Annual Percentage Rate can be extremely high (up to 59.99%).
  • Strong Credit History Preferred: While some sources say accessible, stronger credit scores get lower rates.
  • Top-Up Restrictions: Conditions apply for top-up loans (e.g., 50% of EMIs paid).

10. LoanTap

• Brief Description: LoanTap focuses on offering customized loan products, including flexible personal loans for salaried professionals and businessmen. It prides itself on quick sanctions and disbursals.
• Loan Range: ₹50,000 – ₹10,00,000
• Interest Rate (p.m.): 0.99% – 1.5% per month (translates to approx. 12% – 18% p.a., though some sources show up to 24% p.a.)
• Pros:
  • Customized Loan Offerings: Provides flexible personal loan options.
  • Quick Sanction & Disbursal: Aims for disbursal within 24-36 hours, some claims as fast as 3-6 hours.
  • Transparent Process: Emphasizes no hidden charges.
  • User-Friendly App: Designed for a seamless customer journey.
• Cons:
  • Higher Minimum Loan Amount: Not ideal for very small, immediate cash needs.
  • Processing Fees: Applicable processing fees (e.g., 1.5% – 3%).
  • Stricter Eligibility: Requires a minimum income (e.g., ₹30,000) and a good credit score (700+).

11. Dhani

• Brief Description: Dhani (formerly Indiabulls Dhani) provides instant personal loans and a credit line, often accompanied by a physical card for ATM withdrawals and online payments. It promotes very fast disbursal times.
• Loan Range: ₹2,000 – ₹15,00,000 (smaller loans up to ₹1 lakh, larger personal loans also available)
• Interest Rate (p.m.): 1.5% – 3% per month (translates to 18% – 36% p.a., some sources indicate starting from 11% p.a. for larger loans)
• Pros:
  • Instant Disbursal: Claims money transfer in as little as 3 minutes for smaller loans.
  • Wide Loan Range: Caters to both small and relatively large loan amounts.
  • Minimal Documentation: KYC-based process.
  • Interest-Free EMIs: Offers features like 3 interest-free EMIs on some loans.
• Cons:
  • Subscription Fees: May involve monthly subscription fees (e.g., ₹125 to ₹1,500).
  • Hidden/Default Interest: Can have compounded default interest.
  • Short Repayment Tenure: Shorter terms for smaller loans (e.g., 3 months).
  • High Effective APR: Despite low starting interest rates, fees can significantly increase the effective APR.

12. PayMe India

• Brief Description: PayMe India offers instant personal loans with a focus on rapid fund distribution and fixed-rate interest. It aims to provide swift financial assistance with minimal documentation.
• Loan Range: Up to ₹5,00,000
• Interest Rate (p.m.): Starting from 1.5% per month (translates to 18% p.a. onwards)
• Pros:
  • Rapid Disbursal: Known for fast approval and same-day fund disbursal.
  • Collateral-Free: Offers unsecured personal loans.
  • Streamlined Application: Claims minimal documentation and an easy process.
  • Fixed Rate of Interest: Can offer predictability in repayment (needs direct verification).
• Cons:
  • Processing Fees: Charges a processing fee ranging from 2-10%.
  • Eligibility: Must meet basic eligibility criteria, like minimum income.
  • Relatively Smaller Scale: Compared to larger players, loan amounts might be conservative.

13. PayRupik

• Brief Description: PayRupik is an online instant personal loan platform that offers quick credit in minutes, especially for smaller amounts. It’s a product of an RBI-registered NBFC, focusing on transparency and security.
• Loan Range: ₹1,000 – ₹50,000
• Interest Rate (APR): Maximum Annual Percentage Rate (APR) of 35% per annum.
• Pros:
  • Instant Disbursal: Claims funds are disbursed directly to the bank account within 15 minutes.
  • 100% Online: Fully digital process, accessible anytime, anywhere.
  • Transparency: Emphasizes being an RBI-certified NBFC product.
  • Efficient Processing: Fast application processing with no paperwork.
• Cons:
  • Small Loan Amounts: Primarily caters to very small loan requirements.
  • Processing Fee: Charges processing fees (e.g., ₹80 to ₹2,000 + 18% GST).
  • Short Tenure: Minimum loan tenure can be as low as 91 days.
  • User Complaints: Some user reviews mention high fees piling up and dissatisfaction with the service.

How to Choose the Right App from the 7 Days Loan App List

When selecting from the 7 days loan app list, consider these factors:

1. Interest Rate & Fees: Lower monthly interest and processing charges reduce the cost.
2. Disbursal Speed: If you need cash immediately, choose apps with < 1 hour.
3. Loan Amount: Match the app’s loan range with your requirement.
4. Repayment Terms: Check if you can prepay or extend the due date.
5. User Ratings: Read Play Store or App Store reviews to spot hidden fees or delays.
6. Data Security: Ensure the app is RBI-registered or tied to a regulated NBFC.

Step-by-Step Application Process

Most apps on the 7 days loan app list follow similar steps:

1. Download the App: Get it from Google Play or the App Store.
2. Register: Enter your mobile number and OTP.
3. Upload Documents: Provide Aadhaar/PAN and a selfie.
4. Bank Verification: Link your bank account via netbanking or UPI.
5. Select Loan Amount: Choose from the approved limit.
6. Accept Terms: Review interest, fees, and repayment date.
7. Disbursal: Funds reach your account in minutes to 24 hours.
8. Repayment: Pay the principal and interest on or before day 7.

Conclusion

A 7 days loan app list offers quick access to funds for urgent needs. Compare interest rates, disbursal times, and repayment flexibility before you choose. Use this guide to select an app that works for your situation and repay on time to avoid extra charges.

Frequently Asked Questions (FAQ)