10 Best Money Lending Apps For Financial Emergencies

Money Lending Apps

Typically, these apps use a user’s personal and financial information to assess their creditworthiness and offer loan terms based on that data. Having an accessible and dependable app can make all the difference when borrowing money. Having access to cash can be essential if you need to pay rent, maintain your business, or cover unforeseen expenses.

The platform- or app-based benefits and offerings of money lending apps, such as customized loans, low-interest loans, and online credit cards, as well as the simple application process and have made them popular in India. In this article, we will discuss ten best money lending apps.

Read: Need Money Urgently? 10 Ways to Get Instant Cash for Emergencies

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10 Best Money Lending Apps in India

When you need a quick cash loan, going to a regular bank might take a long time because they need a lot of paperwork. Another option is a credit card, but the interest rates are extremely high. Asking family and friends can be awkward. In India, not everyone is eligible to receive salary advance loans. Applying for a personal loan is the best option in these situations. The following is a list of the best personal loan applications in India, which may make getting a personal loan much simpler and more convenient.


One of the best money lending apps PaySense that doesn’t require salary slips has recently merged with LazyPay to become one of the best platforms in this industry. You can get quick personal loans of up to INR 5,00,000 for any purpose, and you won’t have to wait long for approval. The best part is that this platform is known for quickly approving requests. Additionally, they offer a selection of plans with low EMIs that simplify loan payments.

Maximum Loan Amount – Rs. 5,00,000

Minimum Loan Amount – Rs. 5,000

Interest Rate Per Month – 1.08 to 2.33 percent

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India’s first app-based credit line is MoneyTap. The best feature is its no-usage, no-interest policy, which has reduced the cost of credit. You only pay interest on the amount used and not on the total amount sanctioned. The best part is that you won’t have to go through a lot of paperwork or wait long periods.

Maximum Loan Amount – Rs. 5,00,000

Minimum Loan Amount – Rs. 3,000

Interest Rate Per Month – 1.08 to 2.3 percent

Read: Do You Need An Urgent Loan of Rs 50000? Get a Loan on Aadhaar Card

Money Club

The Money Club is a safe and secure mobile app based on the concept of Committee and the users can save, invest or borrow sitting at home without the hassle of documentation. It is the first ever social network dedicated to helping members earn money, save money and support one another financially. Here a group of verified members come together and contribute a fixed amount every month for a particular tenure. When you need money, you just have to bid, and the money is in your bank account in six to eight hours that too at low interest rate. It is the best platform for middle-class families who cannot obtain loans in an emergency and must rely on high-interest money lenders. To know more about how it works you can see the video here.

Download The Money Club App For All Your Credit Needs.


KreditBee is another money lending app in India. The entire loan process is online and requires few documents.

Loan amount: Rs 1,000 to Rs 2 lakh

Minimum monthly income: Rs 10,000

Loan tenure: 62 days to 15 years

Interest rate: 0% to 29.95%

Read: I Need 20000 Rupees Loan Urgently: 4 Ways To Help You

India Lends

Because they offer a variety of loans for a variety of loan types, this is one of the best and most popular lending platforms among Indians. Additionally, they assist in obtaining the lowest interest rate from the majority of banks and NBFCs, making it the low-interest money lending app that the majority of people tend to look for. You can get gold loans with lower interest rates, property-backed loans, and other types of loans in addition to instant loans. You can choose from more than 40 schemes and credit cards on this platform.

Maximum Loan Amount – Rs. 50,00,000

Minimum Loan Amount – Rs. 15,000

Interest Rate Per Month – 0.9 to 3 per cent

Home Credit

For Indian citizens aged 19 to 65, this is one of the easiest ways to obtain short-term loans in India. Depending on your credit rating, you can easily avail of loans up to INR 2,00,000 with two documents only, a PAN card, and any other proof of identity or address. Because of how quickly this app gets approved, it has made it to the list of the best money lending apps. The approval process for the loan is entirely digital, and you are eligible for a credit period of up to 26 months. Senior citizens who are pensioners and have a basic monthly income are also eligible for this platform, as are students who are not working.

Maximum Loan Amount – Rs. 10,000

Minimum Loan Amount – Rs. 2,00,000

Interest Rate Per Month – 2.4 to 3.3 percent

Read: Low Credit Score Loans: 20 Low Credit Score Loan Apps


The popular phone se loan app Dhani immediately transfers the loan amount to your bank account. A personal loan can be applied for at any time, from anywhere. You can get a loan right away for up to 15 lakh at an interest rate starting at 12 percent. You can get the Dhani loan app for free, enter the amount of the loan, enter your Adhaar card number, and get the money in your account right away.

How Much Personal Loan Can I Get On 15,000 Salary?


CASHe is a mobile digital lending platform that only offers salaried individuals short-term personal loans for a variety of financial needs. When applying for a loan, you are required to submit documents such as salary slips, bank statements, proof of address, and a PAN card. These documents can all be uploaded through the cash loan app. Using a quick calculator, you can also check loan eligibility and interest rates online.

Maximum Loan Amount – Rs. 5,00,000

Minimum Loan Amount – Rs. 5,000

Interest Rate Per Month – Starts from 1.75 percent

Money View

You can get a personal loan in just two hours with the Money View app. A personal loan from Money View is completely paperless, quick, simple, and adaptable, and it can be used for anything from remodeling your home to purchasing a pricey automobile to paying for your wedding. Flexible repayment terms span three months to five years.

Minimum Loan Amount: Rs 10,000

Maximum Loan Amount: Rs 5,00,000

Rate of interest: 1.33% per month

Read: Instant Personal Loan Without Salary Slip With Loan Apps


The Navi app is a cutting-edge fintech startup with a user-friendly and simple to use interface. They offer loans in India to help you pay for unexpected expenses like medical bills, travel, renting a venue, and so on. This personal loan platform strives to make financial services transparent, simple, and accessible by requiring little paperwork. It provides loans with interest rates starting at 9.99 percent p.a. for terms up to 6 years and loan amounts up to Rs 20 lakh.


In this article we discussed the 10 best money lending apps. As per my view, as far as possible you must try to avoid taking credit. Instead save money and create an emergency fund for any such unforeseen situations. Save with the Money Club and if need be borrow from your own savings and repay in easy installments at low interest.

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