Top 10 Cash Advance Loan Apps in India for Instant Funds 2025

Cash advance loan apps are designed to provide immediate short-term funds in case of an unexpected expense like car repair, medical problem, etc. In today’s digital age, you don’t have to beg in front of your relatives. We bring you the top 10 Cash advance loan apps list that can meet your immediate money needs.

Contents

1 What is a Cash Advance Loan?
2 Top 10 Cash Advance Loan Apps in India for Instant Funds 2025
3 How to Apply for a Cash Advance Loan?

What is a Cash Advance Loan?

A cash advance loan is a short-term loan designed to meet minor expenses in an emergency. It is a self-financed loan and does not require a collector to obtain it. Cash loan apps offer personal loans to their customers in collaboration with registered NBFCs (non-banking finance companies). A borrower can get this loan with the help of some necessary documents.

Key Features of Cash Advance Loan Apps

Quick approval and disbursement: Most apps provide approval and disbursement to borrowers within 10 minutes.
Small Loan Amount: If you need a small loan for an emergency for a short period, you can get instant money through cash advance loan apps.
Minimal documentation: You can get small amounts instantly using required documents like PAN and Aadhaar cards.
Flexible Tenure: You can choose the loan repayment tenure as per your needs from 1 to 60 months, they are depending on the sanctioned loan amount.
Credit Score Friendly: These apps offer short-term loans without checking your credit report and provide the option to improve your credit score.
Interest Rate: The interest rate charged on short-term loans is higher than traditional banks because they are unsecured and have a shorter tenure. The interest rate charged on these usually ranges between 15% to 60%, which can be higher or lower depending on the profile of the borrower.

Top 10 Cash Advance Loan Apps in India for Instant Funds 2025

Sr. No.	App Name	Loan Amount	Interest Rate	Tenure
1.	CASHe: Cash Advance Loan	₹45000 to ₹300000	Starting from 2.79% per month	9 to 18 Months
2.	Ring Power Loan	₹20000 to ₹5 lakhs	28% to 32% p.a.	3 to 36 Months
3.	Olyv Personal Loan	₹4000 to ₹1 lakh	20% to 36% p.a.	2 to 12 months
4.	Zype Personal Loan	Up to ₹5 lakhs	18% to 39% p.a.	3 to 12 months
5.	Fibe (Early Salary)	₹5000 to ₹5 lakhs	15% per annum onwards	Up to 36 months
6.	MPokket	₹500 to ₹1000	24% to 48% p.a.	Up to 4 months
7.	I2iFunding Loan	Up to ₹50000	24% to 48% p.a.	1 month to 6 months
8.	Ram Fincorp	₹1000 to ₹1 lakh	Starting from 0.4% per day	Up to 45 days
9.	RUPEE112	₹10000 to ₹5 lakhs	35% p.a.	12 to 36 months
10.	True Balance Personal Loan	Up to ₹2 lakhs	24% to 60% p.a.	6 to 12 months
11.	CreditSea Personal Loan	₹20000 to ₹5 lakhs	28% to 32% p.a.	3 to 24 months

Benefits of Cash Advance Loan Apps

If you are looking for a Small Cash loan app, you should check and compare its benefits. This can help you choose the right app. Below is a list of some of the primary benefits offered by the app.

100% Digital Process: You can apply for this loan through a 100% digital online process. You do not need to submit any documents manually.

Quick Approval and Disbursal: These apps provide a facility for borrowers to get instant loan approval upon submission of a loan application, after which the loan amount is transferred to the borrower’s bank account within 10 minutes to a few hours.

Minimum Documents Required: When applying for this loan, you do not need as many documents as for a traditional bank. You can get this money using your PAN, Aadhar card and bank details. Bank details are required to transfer the loan to your bank account.

Flexible Tenure: You can choose the loan repayment tenure at your convenience from 1 month to 36 months, which is decided based on your loan amount.

Pre-Approved Loan Offer: Many apps provide pre-approved offers to their customers, under which customers can avail of higher loan amounts, lower interest rates, waiver of processing fees, and longer tenure.

Eligibility Criteria for Cash Advance Loan Apps

Instant cash advance loan approval depends entirely on the eligibility criteria. Eligibility criteria differ for each lender; below are some of the essential criteria.

Age: You must be above 21 years of age.
Nationality: Must be an Indian citizen.
Source of Income: It is essential to have a source of monthly income so that you will pay the monthly EMIs on time.
Credit History: Lenders check your credit report to know your creditworthiness. If your score is 700+, you can apply for a loan. A good credit score attracts a higher loan amount.
Mobile Number Linked to Aadhaar: To do online KYC, you must have a mobile number linked to your Aadhaar card, which you must keep while applying for a loan.

Documents Required for Instant Cash Advance Loan App

To apply for a Cash Loan, the borrower needs some necessary documents, which are given below:

Identity Proof: Any one document – PAN Card, Ration Card, Aadhaar Card, Voter ID Card, Driving License
Address Proof: Any one document – Aadhaar Card, Passport, Voter ID Card.
Income Proof: If you are applying for a higher loan amount, you need to submit proof of regular income, such as a 6-month bank statement, salary slip or income tax return.

How to Apply for a Cash Advance Loan?

Applying for an Instant cash loan is an easy process, You get the required loan amount in your bank account by following some easy steps:

Step 1: Download and Install the App.

Download the app from Google Play Store by the link and install the application.

Step 2: Registration and Account Creation:

After installing, open the app and register yourself by entering your mobile number and email ID so that your account is created on the app.

Step 4: Fill out the application form:

After creating the account, you fill “New Loan” application Form by entering your PAN, Aadhaar number, employment status, residence proof, bank details, etc.

Step 5: Complete the KYC process:

After filling out the application form, you complete the KYC process with your Aadhaar and take a selfie through the app.

Step 6: Choose the loan amount and tenure:

After the KYC process is completed, you can choose the loan amount and select the repayment tenure, then submit your application for approval.

Step 7: Approval and Disbursement:

After submitting your application form, you get approval in 2 minutes, and the loan amount is disbursed to your bank account within a few hours.

FAQ Related to Cash Advance Loan Apps

What is the best app for instant cash advances?

It is difficult to name the best app for cash advance loans as many apps come with different benefits, such as charges, loan amount, tenure, etc, which can best suit the customer’s need. We believe the best apps for you are CASHe, fibe (Early Salary), Zype, Ram Fincorp, MPokket, etc.

Which app offers the lowest interest rate?

The interest rate is decided by the lender after checking factors like the customer’s credit history, age, tenure, etc. Hence, different interest rates are offered by the same lender to its customers. Fibe (Early Salary) offers the lowest interest rate of 15% per annum to its customers, which has very few customers.

How to get an Instant Cash loan in 2 minutes?

Install the Instant cash advance loan app on your mobile, fill out the loan form, complete the KYC process, and submit it. You will get approval within 2 minutes, and the loan amount will be transferred to your bank account. If you have a pre-approved loan offer, you can get the money in your bank account in just 1 minute.