Loan App for Instant Personal Loan Online - NIRA

Are you in search of a reliable online loan app? Your search ends here.

NIRA is India’s best low interest rate personal loan app that gives you 100% Online loans from Rs 2500 to Rs 1 Lakh directly into your bank account. We have 20 lakh + happy customers. NIRA cash loan will help you in all your urgent cash needs. You can calculate your EMI on our Loan EMI Calculator. Some details about our loans now -

Loan Amount on our Instant Personal Loan App : ₹ 2,500 to ₹ 1,00,000
Minimum APR: 24%, Maximum APR: 36%
Repayment period on loan : 3 to 12 months
Processing fee: Max( ₹350 + GST, up to 2% of loan amount)
Prepayment fee (only if loan is returned early) : If paid before 3 months then 2.5% else 0
Late fee on loan app: Bounce charges as per bank + 2% of outstanding amount for 30 days overdue

As an example of charges on our loan app, on a ₹20,000 loan for 6 mths @24% APR, you will pay ₹3571 as monthly EMI and ₹21,957 in total which includes ₹450 + GST as processing fee.

Why should you download the NIRA Lone App?

Here are some of the features that make NIRA one of the best instant loan apps in India for salaried individuals!

Get money in bank account within 24 hours
No credit history required
Minimum eligible salary Rs. 12,000
Only Aadhaar and PAN card required
No Hidden fees

Steps for availing an Instant Personal Loan from NIRA :

It's very easy to apply from our highly rated lone app online in few minutes:-

1. Complete short application form on our instant loan app. Receive loan approval decision instantly.
2. Once you qualify, we need you to upload
3 months bank statements
Most recent payslip
Aadhaar card (you can e-sign your loan agreement in our Aadhar Card Loan App)
PAN card

3. Get instant cash in your bank a/c and Money tap away

Our Instant Loans are safe:

Your data is safe with us. It is transferred over a secure HTTPS connection, and we do not share it with anyone without your consent. All the transactions are secured via a 128-bit SSL encryption. We offer quick loans in a secure and safe manner!

Contact us:

For help or any other details about our instant personal loans, you may write to us at


Our office is located at - NIRA, 2nd floor, UrbanVault Indiranagar, 2024, 16th Main Rd, HAL 2nd Stage, Kodihalli, Bengaluru, Karnataka 560008

These are all details about our Instant Personal Loan App. We hope we will be seeing you as a customer for our new (navi) lone app. Please let us know if you are looking for any more features that are not covered in our loan app right now.

Stay Safe!
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What's New

✅ New lending partner with longer repayment months
✨ Minimum loan starting Rs.5000
🚀 Easily upload all loan document in the app
✨ Easy to find your bank name in the loan app
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Additional Information

January 8, 2021
Current Version
Requires Android
5.0 and up
Content Rating
Offered By
NIRA - Instant Personal Loan App
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