Instant Approval Personal Loan

71.9K 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 including BAJAJ FINANCE LIMITED, IDFC FIRST Bank Limited etc.
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
PaySense Services India Private Limited
Axis Bank Limited
Piramal Capital & Housing Finance Limited
Whizdm Innovations Private Limited’s
LENDINGKART Finance Limited
Rupeek Fintech Pvt Ltd
Ruptok Fintech Pvt Ltd
Flat White Capital Pvt. Ltd.
Tata Capital Financial Services Limited
Bridge Fintech Solutions Private Limited
Fullerton India Credit Company Limited
HDFC Bank Limited
ICICI Bank Limited
Kotak Mahindra Bank Limited
IndusInd Bank Limited
InfoCredit Services Private Limited
Kisetsu Saison Finance India Private Limited
IIFL Finance Limited
InCred Financial Services Limited
L&T Finance Limited
Ditya Finance Private Limited
Finnovation Tech Solutions Pvt. Ltd.
Maybright Ventures Pvt. Ltd.
MWYN Tech Private Limited
IDFC FIRST Bank Limited
Citi Bank India Limited
Standard Chartered Bank PLC
State Bank of India
Freecharge Payment Technologies Private 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
Jul 26, 2022

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
71.9K reviews
Rajasekhar Venati
July 12, 2022
Totally waste of time Atleast some apps use to update you status in sometime one or two days but this one is idle all the time same status, it was showing for me 1-7 days for initial update but it's been almost 10 days and the status was same application in progress. Don't waste your time, Data and memory on this scrap application.
163 people found this review helpful
July 13, 2022
Hi Rajasekhar, we sincerely apologize for the inconvenience caused. Please write to us at with your registered contact details for further assistance.
Aditya Jayanand
July 13, 2022
I have been receiving more than 5 calls from you everyday regarding offers from different numbers. I lost count of numbers I have blocked. This is absolutely annoying and not at all customer friendly. I am receiving calls during important meetings. Whoever your marketing head is, he/she clearly doesn't value time. And such an annoying strategy. I do not need any offers/loans. Please stop contacting me.
163 people found this review helpful
July 14, 2022
Hi Aditya, we're sorry for the trouble caused. Please share the registered contact details with us via E-mail at and we will do our best to rectify this at the earliest.
chandan balabantaray
July 27, 2022
Total waste of time. Am feeling the information form about my office,then it's not going to next step. A very very irritating app for me
16 people found this review helpful
July 26, 2022
Hi Chandan, we are really sorry to hear that. Thanks for highlighting the issue. Please share your concern via E-mail at so that we can look into this matter.

What's new

Upgraded Onboarding Experience With the new animated Intro Screens.
Now You can Pay your credit card bill in 2 simple steps on IndiaLends App
Select the Amount
Choose Your Preferred Mode of Payment(UPI/Net Banking/Debit Card)
Keeping track of Bill Payments just got easier
You can set reminders for your credit card Bill Payment or EMI Payments
We help you keep up that good Credit Score by Sending you Reminders about your payment due dates.