Instant Approval Personal Loan

77.8K 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
Annual Percentage Rate ranging from 10.25 (min.) to 25% (max) 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:
Axis Bank Limited
InCred Financial Services Limited
KrazyBee Services Private Limited
Earlysalary Services Pvt Ltd
India Infoline 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
Feb 19, 2024

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 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

77.7K reviews
February 15, 2024
Worst experience ever. Once I have checked the credit score through park+ app and from then I have recieved so many calls on a daily basis that you are pre-approved for the credit cards/loans. Lot of spam calls are being generated by them. Do not try to install their app or check the score through them.
12 people found this review helpful
February 16, 2024
Hi Saurabh, we regret the inconvenience you had to face. We have already initiated on your number for unsubscribe from our end. For more assistance please share your concern with We will be happy to assist you.
Kiran Kumar Endarapu
February 11, 2024
Worst app, It's automatically applying for loan from my account without me doing anything just because of this stupid app my credit score went to bottom , when I tried to resolve this issue with customer care they really don't know anything they are just working for average labour
13 people found this review helpful
February 12, 2024
Hi Kiran, we regret the inconvenience you had to face. For better assistance please share your information with We will be happy to assist you.
Thiyagu M
January 6, 2024
The peoples just collecting the details only not providing loan I have applied for a lone 3days ah, app shows still pending with bank detail verification.
76 people found this review helpful
January 8, 2024
Hi Thiyagu, we really appreciate you bringing this to our attention. We would like to investigate your issue. Please share your contact details with us at so that we can resolve the issue.

What's new

We have done a complete revamp of our "Discount Codes" functionality, improving the onboarding and ensuring users get accurate offers according to the cards they have.
We are excited to introduce "Rewards" in the form of Extra Gold whenever a user buys digital gold worth or more than Rs 50.