Instant Approval Personal Loan

75.4K reviews
Content rating
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About this app

IndiaLends is an online marketplace for credit products and offer free credit report, range of credit cards and personal loans from different Banks and NBfcs. IndiaLends offers instant personal loans to its customers with most products being fully digital. IndiaLends also provides technology, data and credit analytics solutions along with a loan management platform to financial institutions. IndiaLends is run by a team of credit risk professionals and data scientists with multiple years of experience in consumer credit.
Product features:
Personal loan
Get personalized personal loan offers up to ₹25 lacs at interest rates starting 10.25% for a tenure ranging from 1 year to 5 years. The app selects the best suitable Banks/NBFCs offering minimal interest rate and easy approval based on your personal loan eligibility. IndiaLends has associations with over 50+ banks and NBFCs .
Personal Loan Eligibility
Age - 18 years - 60 years
Employment Type - Salaried/Self-Employed
Minimum Net Income (monthly) - ₹10,000
Work Experience - Salaried for at least 6/12 months or Self-Employed for at least 3 years
Tenure: (Min) 6 to (Max) 60 months
Interest Rate ranging from 10.25% to 25% depending on customer’s credit and risk profile

Representative Example
With a representative 25% APR based on borrowing ₹ 5 lacs and repaying over 60 months with 60 monthly repayments, the monthly repayments will be ₹ 14,676 which can be paid within a tenure of 60 months.
The total payout here would be:
Principal Amount – Rs 5,00,000
Interest Charges (@25%): Rs 3,80,540
Loan processing Fee (@2%): Rs 10,000
Documentation Charges: 400
Amortization Schedule charges: 150
Total cost of the loan: Rs 8,91,090

Our Lending Partners:
Clix Capital Services Private Limited
Piramal Capital & Housing Finance Limited
Kisetsu Saison Finance India Private Limited
Axis Bank Limited
IIFL Finance Limited
InCred Financial Services Limited
L&T Finance Limited
*Please note the processing fee can vary from 1.5% - 6%. The figures provided are indicative and subject to change from time.
* However, in case of change of payment mode or any delay or non-payment of EMIs, additional charges / penal charges may also be applicable, depending on the lender's policy
Credit Card
With the IndiaLends app, get credit card suggestions from 40+ options and select the credit card that best suits you. Some of the credit card providers associated with us are ICICI Bank, HDFC Bank, American Express, SBI, Kotak Mahindra Bank, Citibank, RBL and Yes Bank.
Free Credit score / Cibil Score
At IndiaLends app, check your free Credit Score / Cibil Score worth ₹1200 and get a detailed analysis of your credit report / Cibil Report and tips to improve your score. Our latest feature allows you to refresh your credit report and know why your credit score has changed.
EMI Calculator
The simple and handy loan EMI calculator lets you easily calculate EMIs. All you need to do is enter the loan amount, interest rate and loan tenure, and you will know the convenient and easy EMIs basis the inputs entered.
Updated on
Mar 23, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Photos and videos, and Files and docs
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted
75.4K reviews
February 11, 2023
Worst experience. I uploaded all documents and app did show that I have pre qualified loans which I applied on 7 December 2022 but still the process didn't proceed and in app its showing that I can reapply on 1 January 2023 but it's 11 February and still I'm not able to reapply. This app is worthless and don't work at all . THEY ARE JUST COLLECTING YOUR DATA. Just a gimmick. Don't download this app instead try somewhere else
72 people found this review helpful
February 13, 2023
Hi, we regret for the inconvenience. Please send us an email at with your complaint so that we may look into it.
January 27, 2023
There are error on app. There's error for credit score showing. Saying there is some error with the credit bureau's end. And I am not able to complete my loan application.
80 people found this review helpful
vivek varade
January 23, 2023
I never subscribed to any of their service but I'm still receiving spam from them. They don't have a customer care department where you can complaint about it.
47 people found this review helpful
January 24, 2023
Hi, we regret for the unpleasant experience. Please email your difficulties to so that we can rectify the issue and give a much better experience.

What's new

This latest release of IndiaLends App includes
- Bug Fixes
- Refer & Earn Program


IndiaLends latest app introduces Refer & Earn Program. Now Refer IndiaLends to your friends and family and earn money.

Apply for Credit Card or a Personal loan on the latest IndiaLends App and both the Referrer and Referee can earn upto ₹30,000.

Download/update your app Now!