Financial emergencies in the current digitalised world can occur at any time, and, accordingly, many Indians seek instant, credible lending options. The availability of short-term loan applications has transformed how individuals obtain quick cash, with financial aid just a few clicks away. These emerging platforms have compiled an inclusive list of 7 days loan apps that meet various financial needs nationwide.
Digital lending has also gained popularity, and now more people can access funds in a couple of minutes without the hassle of waiting at banks or dealing with extensive paperwork.
This guide provides a detailed overview of the most reliable and effective short-term 7 Days Loan App List and can help you make the right financial decision when the situation demands it.
What is a 7-Day Loan?
A 7-day loan, also called a short-term or instant loan, is a product designed to be used to quickly access funds for a short period, usually between 7 and 30 days. These loans are designed to address emergency financial needs that require prompt solutions and cannot be handled through the lengthy approval processes typical of the traditional banking system.
The 7 days loans are processed and approved within minutes in comparison to conventional loans that may take weeks before they are approved. The amount of the loan is usually between 1000 and 500000 rupees, depending on the lender and the borrower’s creditworthiness.
Are 7 Days Loan Apps Really Available in India?
Yes, 7-day loan apps are available in India. However, they function in a grey zone and involve considerable financial risks. Although there are legitimate apps that provide very short-term loans, many apps that advertise 7-day loans should be used with extreme caution.
Some of the popular apps that provide short-term or emergency loans include:
- KreditBee
- mPokket
- CASHe
- Fibe (formerly EarlySalary)
- Kissht
Why Short-Term Loans are Popular in India
- Immediate Money: The first and foremost advantage of short-term loans is that they can provide instant financial help in emergencies, and the funds are usually sent within 10-15 minutes after approval.
- Less Documentation: Short-term loan apps require only the bare essentials of KYC documents, compared with conventional bank loans, which involve a lot of paperwork and a streamlined, easy-to-use process.
- No Collateral: These loans do not require any guarantors or collateral, which makes them accessible to young professionals and those who do not have large assets.
- Digital Convenience: The entire loan process can be completed through smartphone applications, enabling users to apply, be approved, and make payments from anywhere at any time.
- Versatile Repayment: Most platforms offer versatile repayment plans, allowing borrowers to choose a schedule that best fits their abilities and income cycles.
- Credit Score Building: Regular use of short-term loans and timely repayment help build and improve credit scores, making people more financially empowered in the future.
Eligibility Criteria for Short-Term Loans
- Age Limits: Most lending facilities require applicants to be between 21 and 65 years of age, have legal capacity to engage in monetary transactions, and demonstrate income potential.
- Income Verification: The minimum monthly income required of borrowers is 15000 to 25000, depending on the lender’s specifications, policies, and risk assessment.
- Employment Status: This is a significant factor to consider; a stable employment history, whether salaried or self-employed, is a key factor for most lenders.
- Credit Score: Although this is not always required, a credit score of 650 or higher can go a long way toward approval and can lead to lower interest rates and larger loan amounts.
- Bank Account: An active, valid savings account with at least 3-6 months of transaction history is required to verify income and release the loan.
- KYC Documentation: Aadhaar, PAN card, passport, and address proof will be required as valid identity and address documents.
Table of Comparison: Top 7 Days Loan App List 2026
| Loan App | Loan Amount | Interest Rate | Processing Time | Tenure | Credit Score Required |
| MoneyTap | ₹3,000 – ₹5,00,000 | 1.08% – 1.5% per month | 10-15 minutes | 2-36 months | 650+ |
| NIRA | ₹1,000 – ₹1,00,000 | 2.5% – 3% per month | 5-10 minutes | 3-24 months | 600+ |
| TrueBalance | ₹1,000 – ₹10,000 | 2% – 2.5% per month | 10-20 minutes | 62-92 days | 650+ |
| FlexSalary | ₹1,000 – ₹2,00,000 | 2.5% – 3.5% per month | 15-30 minutes | 7-365 days | 600+ |
| KreditOne | ₹10,000 – ₹2,00,000 | 1.5% – 2.5% per month | 10-25 minutes | 3-24 months | 650+ |
| mPokket | ₹500 – ₹20,000 | 2% – 4% per month | 5-15 minutes | 90-365 days | 550+ |
| StashFin | ₹1,000 – ₹5,00,000 | 1.5% – 2.8% per month | 10-20 minutes | 3-36 months | 600+ |
| Pocketly | ₹2,000 – ₹2,00,000 | 2% – 3% per month | 15-30 minutes | 7-365 days | 650+ |
| CashBean | ₹1,000 – ₹4,00,000 | 1.33% – 2.5% per month | 10-15 minutes | 90-540 days | 600+ |
| Fibe | ₹2,000 – ₹5,00,000 | 1.5% – 2.5% per month | 10-20 minutes | 7-365 days | 650+ |
Top 10 7 Days Loan App List in India 2026
1. MoneyTap (Now Freo)
MoneyTap(Freo) is one of the most reliable credit line providers in India, offering a distinct credit line facility that lets users withdraw funds when needed and pay interest only on the amount they withdraw. The platform has disrupted the personal lending sector by offering immediate access to loans through a new credit line model.
With partnerships with the best banks and financial institutions, MoneyTap ensures safe transactions and transparent rates. As one of the best days Loan App List, the application has a simple interface that ensures borrowing and repayment are very easy. Through the platform, users can track their spending and repayments, and access extra credit without difficulty. The company’s dedication to responsible customer satisfaction has made it a favourite among millions of Indians who require flexible financial solutions.
- Loan Amount: ₹3,000 to ₹5,00,000
- Interest Rate: 1.08% to 1.5% per month
- Eligibility: Salaried individuals with a minimum ₹20,000 monthly income
- Pros: Credit line facility with a pay-as-you-use model
- Cons: Higher eligibility requirements compared to other platforms
- App Link: https://play.google.com/store/apps/details?id=com.mycash.moneytap.app&hl=en_IN
Also Read: Best Earning Apps for Students
2. NIRA
NIRA is a new lending player in India focused on smartphone users interested in quick personal loans. The NIRA selling point is that it will service loans in minutes with minimal documentation. It is frequently mentioned in the 7 Days Loan App List due to its fast approval process and ease of access. The user-friendly interface makes paying the funds an easy process.
The platform is more concerned with building long-term relationships with its customers by providing customised lending services and a credit limit that increases with repayment behaviour. The financial inclusion approach adopted by NIRA has endeared it to young professionals and first-time borrowers who might not be able to secure regular bank loans.
- Loan Amount: ₹1,000 to ₹1,00,000
- Interest Rate: 2.5% to 3% per month
- Eligibility: Smartphone users with a regular income and a valid bank account
- Pros: Instant approval with minimal documentation requirements
- Cons: Limited loan amounts for new users
- App Link: https://play.google.com/store/search?q=NIRA&c=apps&hl=en_IN
3. TrueBalance
TrueBalance has positioned itself as a full-fledged financial solution provider where mobile recharge is coupled with instant lending services. Historically, the company was known for its mobile balance checking and recharge services, but it has since diversified into lending and now offers fast loans to its customers. The advantage of the app is that it has a high level of knowledge of the behaviour and spending habits of the user, which will aid in making sound lending decisions. It is frequently listed in the 7 Days Loan App List for its rapid disbursal and ease of use.
TrueBalance has made the process smooth by keeping a variety of financial services under the same roof, which would make it convenient for people to manage their finances. Its emphasis on transparency and customer service has earned it a cult-like following across India. TrueBalance has managed to stay a credible option when it comes to short-term finances due to its strong risk assessment algorithms and safe payment infrastructure.
- Loan Amount: ₹1,000 to ₹10,000
- Interest Rate: 2% to 2.5% per month
- Eligibility: Regular app users with good transaction history
- Pros: Integrated financial services with quick loan approval
- Cons: Lower loan limits compared to dedicated lending platforms
- App Link: https://play.google.com/store/search?q=TrueBalance&c=apps&hl=en_IN
4. FlexSalary
FlexSalary is the next-generation lending company, which aims to give financial freedom to business people. The new approach to the platform enables the users of the platform to receive their salary in advance, which has become a typical issue of cash flow mismatch. The advantage of FlexSalary is that it collaborates with the employers and, therefore, can provide favourable interest rates and other convenient terms of repayment. It is also commonly featured in the 7 Days Loan App List for its quick disbursal and convenience for salaried individuals.
FlexSalary’s responsible lending policy includes comprehensive financial literacy materials and personal advice to help users make better borrowing decisions. The customer support and user-friendly nature of the online platform have earned it a reputation of being the platform of choice among thousands of working professionals in India.
- Loan Amount: ₹1,000 to ₹2,00,000
- Interest Rate: 2.5% to 3.5% per month
- Eligibility: Salaried employees with a minimum of 6 months of employment history
- Pros: Salary advance facility with flexible repayment options
- Cons: Limited to salaried individuals only
- Link: https://play.google.com/store/search?q=FlexSalary&c=apps&hl=en_IN
5. Rupeelend
RupeeLending is a digital loan platform from Fincloud Technologies Private Limited that offers quick, paperless personal loans online in India. Users can apply for loans ranging from approximately ₹5,000 to ₹1,00,000, with a fully online application, minimal documentation, and approvals often within about 30 minutes — all designed to help meet urgent financial needs without traditional paperwork.
It is designed for users who need immediate funds. Still, borrowers should carefully review interest rates, fees, and repayment terms before applying, as short-duration loans can carry higher overall costs.
- Loan Amount: ₹10,000 – ₹1 Lakh
- Interest Rate: 18% – 36%
- Eligibility: Individuals with a good credit score and stable income
- Pros: Competitive interest rates with higher loan amounts
- Cons: Strict eligibility criteria and credit score requirements
- App Link: https://play.google.com/store/apps/details?id=com.rupeeredee.app&hl=en_IN
6. mPokket
mPokket has managed to find a niche in the Indian lending market by focusing on the specific needs of students and young professionals who find it difficult to use traditional financial services. The new style of creditworthiness assessment by the platform not only takes into account the education history, employment opportunities, and spending patterns, but also the conventional credit scores.
mPokket has a convenient user interface and a fast process of approval, thus appealing to the tech-savvy millennials and young generation Z customers. Often featured in 7 Days Loan App List roundups, mPokket’s educational approach to lending extends beyond the lending business, providing financial literacy tools and career advice to help users make sound financial choices.
- Loan Amount: ₹500 to ₹20,000
- Interest Rate: 2% to 4% per month
- Eligibility: Students and young professionals with basic income proof
- Pros: Designed specifically for students and young professionals
- Cons: Higher interest rates and limited loan amounts
- App Link: https://play.google.com/store/search?q=mPokket&c=apps&hl=en_IN
7. StashFin
StashFin has already positioned itself as a full-fledged financial platform with a wide scope of lending services, including short-term loans to longer-term credit facilities. The platform is powerful because of its robust technology base and data-driven lending solutions, which enable fast decisions and competitive rates. Financial inclusion is part of StashFin’s philosophy, and eligibility is flexible, with relatively low credit requirements and a wide range of borrowers with different credit profiles.
Frequently mentioned in trusted 7 Days Loan App List resources, customer satisfaction and responsible lending have made StashFin be recognised as one of the top fintech platforms in India. The constant innovation and addition of services on the platform show its devotion to the changing financial needs of Indian consumers.
- Loan Amount: ₹1,000 to ₹5,00,000
- Interest Rate: 1.5% to 2.8% per month
- Eligibility: Salaried and self-employed individuals with regular income
- Pros: Wide range of loan products with competitive rates
- Cons: Longer processing time for higher loan amounts
- App Link: https://play.google.com/store/search?q=StashFin&c=apps&hl=en_IN
8. Pocketly
Pocketly is a lending company that has become a trusted source of personal loans, as it has an easy attitude towards loaning money and provides good customer support. The platform has the advantage of having an easy and hassle-free application process, and its pricing structure is clear enough that there are no hidden costs and surprises to borrowers.
Often featured in 7 Days Loan App List recommendations, the emphasis of the platform on trust-based relationships due to clear communication and consistent quality of services has led to great customer satisfaction rates. The increasing popularity of the platform with the professional population shows its effectiveness in satisfying the financial demands of contemporary Indian consumers.
- Loan Amount: ₹2,000 to ₹2,00,000
- Interest Rate: 2% to 3% per month
- Eligibility: Working professionals with a minimum ₹15,000 monthly income
- Pros: Simple application process with transparent pricing
- Cons: Limited availability in certain regions
- App Link: https://play.google.com/store/apps/details?id=com.pocketly&hl=en_IN
9. PayRupik
PayRupik Instant Personal Loan is a mobile fintech app developed by Sayyam Investments Pvt Ltd, designed to provide quick, simple and mostly online personal loans to users in India. The platform allows registered Indian users aged 18 and above to apply for credit amounts ranging from around ₹1,000 up to ₹50,000 without paperwork, with disbursals often completed within minutes once eligibility and KYC.
It emphasises speed, transparency and ease of use by enabling users to upload ID, address proof, and PAN to complete their loan application.
- Loan Amount: ₹1,000 – ₹1 Lakh
- Interest Rate: Up to 35% p.a.
- Eligibility: Individuals with regular income and valid KYC documents
- Pros: Competitive interest rates with flexible repayment terms
- Cons: Requires good credit history for higher loan amounts
- App Link: https://play.google.com/store/apps/details?id=in.hanafintech&hl=en_IN
10. Fibe (EarlySalary)
Fibe (formerly EarlySalary) has now evolved into a multi-dimensional financial services provider offering instant personal loans and credit lines to working professionals. The platform’s rebranding also signals a new vision to offer flexible financial opportunities that suit users’ needs. The advantage of Fibe is its employer relationships and a wage-based lending model, which allows it to set competitive prices and repayment terms.
The technology-based platform would guarantee speedy approval and disbursement, and high levels of security. Financial wellness is also addressed through informational support and individual financial consultations that Fibe offers users to help them make informed choices. This interest in long-term customer relationships can be seen in customer loyalty programs and in gradual increases in credit limits to responsible borrowers.
- Loan Amount: ₹2,000 to ₹5,00,000
- Interest Rate: 1.5% to 2.5% per month
- Eligibility: Salaried employees with a minimum 3 of months of employment history
- Pros: Salary-based lending with competitive interest rates
- Cons: Limited to salaried individuals with employer partnerships
- App Link: https://play.google.com/store/apps/details?id=com.earlysalary.android&hl=en_IN
Things to Know Before Taking a 7-Day Loan
Before borrowing money from these apps, it is important that you understand the financial commitment you are making. This includes the following factors:
- High-Interest: These loans carry higher interest rates than conventional bank loans because of their very short duration.
- Processing Fees: Exorbitant fees are usually deducted from the sanctioned amount before it is credited to your bank account.
- Short Window: You must have a guaranteed source of funds to repay the entire amount within 168 hours.
- Credit Impact: Defaulting on even a very small amount of money from these apps can significantly impact your credit score for future loans.
- Late Penalties: Missing the deadline by even one day can result in hefty daily penalties that add up quickly.
Safety Check: How to Identify Genuine Loan Apps
Distinguishing between a legitimate app and a fraudulent app is important for your online safety. These signs include:
- NBFC Link: Legitimate apps will clearly display their RBI-registered NBFC/Bank Partners on their website and apps.
- Play Store: Only use apps that are available on the official Google Play Store or Apple App Store.
- Physical Address: Legitimate lending apps will always provide a traceable physical address and a customer support email.
- Upfront Costs: No legitimate lender will ever ask for a “Security Deposit” or “Processing Fees” before disbursing your loan.
- Documentation Needs: Legitimate apps will conduct a legitimate KYC process that requires your PAN, Aadhaar, and, sometimes, a Bank Statement for verification.
How to Apply for a Short-Term Loan Online
- Installation and Download: Start by downloading the selected loan application through official application stores (Google Play Store or Apple App Store) and proceed to finalize the installation procedure in your smartphone.
- Registration Process: In order to register we have to create an account by filling basic personal details like name, phone number, and email followed by OTP to maintain security.
- KYC Verification: The necessary documents to be uploaded are Aadhaar card, PAN card and address proof and all the images must be legible and clear to get fast approval.
- Income Verification: Submit the details of employment and the proof of your income like salary receipts, bank statements or ITR to determine the potential to pay.
- Loan Application: Complete the loan application form with the necessary information such as the amount of loan to take, the purpose, and the intended tenure of the loan repayment making sure that all the information is correct.
- Approval and Disbursement: Once approved, you have to read through the loan terms and conditions and after accepting, the loan money will be deposited to your registered bank account within minutes.
Loan App Risks & Harassment Warnings
There are a lot of unregulated 7-day apps out there with unscrupulous practices that can result in mental and social harassment if not navigated properly. The risks include:
- Data Theft: Unscrupulous apps often ask for permission to access your entire contact list, gallery, and location to blackmail you.
- Aggressive Recovery Practices: Unregulated recovery agents will call your friends and family members to shame you into paying back your loans.
- Debt Cycle: You may find yourself paying a second loan to pay back the first, so check out properly before taking a loan.
- Hidden Charges: The actual amount disbursed will be significantly lower than the “approved amount” due to hidden charges.
- Privacy Breach: Your personal photos and data can be used for blackmail or leaked to the public if the app is operated by scammers based offshore.
Conclusion
The extensive list of 7 Days Loan App in this guide is an exemplification of the finest short term lending programs in the market today in India. These websites have transformed how Indians access quick financial help, making it easier and faster than ever in emergencies. Each of the apps in our listed loan apps is special with its features and benefits, as well as, financial needs and borrower profiles.
Although these platforms do provide perfect solutions in the event of emergency financial requirements, it is vital to ensure that borrowing is done within the limit and within the repaying capacity. Digital lending in India has a bright future, and ongoing innovations would further ease the availability and accessibility of financial services. With the proper selection of one of the platforms listed in our 7 Days Loan App list and responsible borrowing behaviour, you can easily organise your short-term financial needs, as well as ensure a good credit history in the future when you need financial resources.
FAQs
How fast will I receive the loan using such apps?
The 7 Days Loan App we have listed offers most applications with instant approval and funds transferred within 10-15 minutes after submission.
What is the lowest credit score?
The minimum score for a loan depends on the platform with most platforms requiring a score of 550-650, with better scores leading to better terms.
Am I able to pay my loan in advance without charge?
The majority of the platforms have the option of prepayment, though some will be able to charge a small fee. Before borrowing, look up particular terms.
Do these apps have security?
The apps listed in our 7 Days Loan App are all under RBI regulations and apply bank-level data protection security.
What would occur in case I miss a repayment?
Being late will usually attract penalty fees and they can even affect your credit rating adversely. Call the lender as soon as you have problems.