Top 10 Best Instant Small Cash Loan Apps in India – 2022

instant loans

Today, nothing is as valuable as time. Be it the business class, self-employed professionals or salaried individuals—everyone wants everything fast. And this sea change is visible in almost all aspects of life including financial services. Gone are the days when you would contemplate taking a loan for months and then, after applying, wait for days for approval and funds. Today, all this happens with a few clicks on your smartphone. 

Yes, more and more people are turning towards instant loan app built for Android and iOS devices to apply for instant loans. Some of the benefits of these lending apps include paperless transactions, easy eligibility criteria and above all, round the clock access in terms of application, query resolution and EMI payments.

Intrigued? Don’t be. Here is a list of the 10 best mobile applications you can use to get an instant small cash loan:


SimplyCash is one of the most popular and trustworthy personal loan lending platforms in India. Presently, the platform serves 74 major cities across India and is constantly expanding its reach to new areas. The platform offers an instant loan with flexible interest rates and payment options. It comes with a simple application process that involves no physical documentation and takes less than 20 seconds to approve the loan. With SimplyCash, you can get loans starting from Rs 50,000 up to Rs 1.5 lakh. So, what are you waiting for? Go to the Play Store or App Store and download this app right away to meet your funding requirements.

Money Tap

Money Tap offers a credit line to its customers much like a credit card or instant loan. Its customer base is spread across most major Indian cities such as Bengaluru, Mumbai, Chennai, Hyderabad and Delhi. One of the benefits of seeking a loan via this app is that it charges interest only on the loan amount used and not the entire principal.

Pay Sense

On the instant loan app Pay Sense you can take an instant small cash loan similar to Money Tap. Some features of this application, which is designed for both smartphones and computer devices, include a quick approval process. Pay Sense allows you to use funds between Rs 5,000 and the total amount sanctioned. The application comes with an EMI calculator making it easy for you to calculate your EMIs for the sanctioned loan amount.

Early Salary

Early Salary is an innovative fintech startup offering hassle-free loans through a personal loan app. With this application, you can get an instant small cash loan of up to Rs 2 lakh at affordable interest rates starting at 2% per annum.

Flex Salary

Flex Salary is another popular instant loan app with handy features such as one-time application, one-time approval, instant disbursals, and more. Its other features include credit access and a flexible repayment schedule besides the liberty to choose the loan tenure.

Money View

The instant loan app Money View disburses loans in under 2 hours of submitting the KYC documents. With this application, you can take loans between Rs 10,000 and Rs 5 lakh. In addition, the instant small cash loan app comes with a flexible repayment schedule that allows you to repay the loan between three months and 5 years of availing of the loan.

Loan Tap

Loan Tap is another popular instant loan app that offers flexible loans and tenures to salaried individuals as well as business class. The application provides customised loans including personal loans, overdrafts, and EMI-free loans. The application also lends credit card takeover loans, rental security deposit loans, advance salary loans and house owner loans.


The loan processing and disbursal application, Credit, currently operates in only a few cities across India including Bengaluru, Hyderabad, Chennai, Mumbai, and Pune. Credit disburses loans between Rs 10,000 and Rs 1,00,000 at interest rates ranging from 12% to 18% for tenure of 3-15 months. However, the app charges a processing fee of 3%.

Insta Loan  by Fullerton India

Fullerton India’s instant loan app Insta Loan offers easy loans to salaried and self-employed individuals. It has one of the fastest disbursal processes as you can get the money sanctioned in about 30 minutes of submitting the required documents. Moreover, the app comes with a fast and hassle-free documentation process that asks for only basic information.

 Lazy Pay by PayU

Lazy Pay, an instant small cash loan application developed by PayU, is one of the fastest lending apps in India. The application can disburse loans of up to Rs 1,00,000 without needing much documentation.


These are some of the best mobile applications from where you can get an instant small cash loan without much hassle. While getting an instant loan has become quite easy today, you must check your credit score and verify eligibility before applying for a loan on any of these popular platforms.

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