Dealing with surprise financial expenses is scary, particularly if you need money immediately. In India, the digital lending industry has seen an unheard-of boom, with numerous apps claiming to deliver immediate succor to your financial distress. The reason why they have gained so much popularity is that these websites and apps provide unprecedented ease and quickness in dealing with loans, shifting away from conventional, tedious loan application methods.
As India’s personal loan market is poised to grow to a whopping USD 77.72 billion by FY2032, at a healthy CAGR of 15.83% in FY2025-FY2032, it is evident that short-term financial solutions are in great demand by a fast urbanizing and digitized population. But in all this digital revolution, it is vital to understand the nuances of the 7-day loan apps. They are for immediate, small-ticket monetary needs, generally filling gaps until your forthcoming paycheck.
In this article, we will discuss the 7 days loan app list in India and examine its offering, advantages, and primary considerations for secure lending. So, let’s begin!
What is a 7-Day Loan?
A 7-day loan, or a short-term loan, is a small personal loan with a very short repayment time, typically one week. It is taken to offer instant financial assistance for sudden, unexpected expenditures and not as a long-term financial alternative. These are usually unsecured loans, and thus, no security is needed.
What are “7 Days Loan Apps”?
“7 Days Loan Apps” are apps through which short-term low-value 7 days loans disbursed instantaneously are handled. The apps allow convenient borrowing by providing an end-to-end online application procedure for getting these loans, ranging from document upload to loan approval and disbursal, even in minutes sometimes. The apps link the borrowers directly with RBI-registered Non-Banking Financial Companies (NBFCs) or banks that specialize in instant quick personal loans, thus making it convenient to get a 7 days loan.
Why Short-Term Loans are Gaining Popularity in India
Short-term loans are witnessing an increased popularity rate all over India, which is spurred by the instant money convenience that they provide. The boom is prompted by a number of factors that appeal to the lifestyle and financial requirements of the modern-day Indian consumer, making it extremely important to look for 7 days loan app list.
- Financial Inclusion: Short-term loans bridge the credit gap for those who cannot get a bank loan since they have no credit history or formal documents.
- Instant Access to Funds: The most attractive point is the near-instant disbursal of funds, which is critical during emergent situations like a health expense or an emergent repair, with a few apps offering disbursal within as short a duration as 10 minutes.
- Less Documentation: In contrast to traditional loans, such apps usually demand less documentation, often just Aadhar and PAN card details, making it relatively simple.
- Convenience of the Digital Age: A smartphone takes care of the whole process of application, sanctioning, and disbursing the loan, providing unprecedented convenience to digital users who prefer instant solutions like a 7 days loan application.
- Flexible Repayment Terms: Brief but flexible, the majority of apps do provide some accommodation of flexibility in repayment so that users can select terms most appropriate to the particular financial situation at hand, although tenors tend to be brief.
Eligibility Criteria for 7-Day Loans
It is necessary to understand the overall eligibility requirements prior to considering any 7 days loan app. Even though these requirements may vary marginally from lender to lender and from app to app, here are the typical requirements that you may come across.
- Age: The candidate should ideally be aged over 21 years in order to qualify for most loans.
- Indian Citizen: The candidate should be a resident Indian citizen with evidence of identity and residence documents.
- Income: Salaried applicants would mainly require a minimum monthly pay (e.g., ₹15,000 – ₹25,000), while requirements for self-employed applicants differ according to the lender.
- KYC Documents: Aadhar card and PAN card are mostly always required for online verification.
- Bank Account: An active Indian bank account in the name of the borrower is required for loan transfer and auto-debit setup.
Table of Comparison
| App Name | Loan Amount | Interest Rate (Approx. p.a.) | Processing Time | Ratings (Avg.) |
| Moneyview | 5,000 – ₹10,00,000 | 16% onwards | Hours | 4.4/5 |
| KreditBee | ₹1,000 – ₹5,00,000 | 17% onwards | Minutes | 4.4/5 |
| MoneyTap | ₹3,000 – ₹5,00,000 | 12% onwards | Minutes to Hours | 4.3/5 |
| CASHe | ₹1,000 – ₹4,00,000 | 27% onwards | Minutes to Hours | 4.2/5 |
| Fibe | Up to ₹5,00,000 | 12% onwards | Minutes | 4.5/5 |
| Navi | Up to ₹20,00,000 | 9.99% onwards | Minutes | 4.4/5 |
| mPokket | ₹500 – ₹45,000 | 0-72% (variable) | Minutes | 4.1/5 |
| NIRA | ₹5,000 – ₹1,00,000 | 18% onwards | Hours | 4.0/5 |
| PaySense | ₹5,000 – ₹5,00,000 | 16% onwards | Hours | 4.3/5 |
| LazyPay | Up to ₹5,00,000 | 15% onwards | Minutes | 4.1/5 |
Top 10 Best 7 Days Loan App List in India (2025)
1. Moneyview
Moneyview is among the most sought-after instant personal loan apps in India due to its highly profitable interest rates and wide repayment tenors, which can even be short repayment tenors serving as a 7-day loan app. Moneyview’s new credit rating system is one of the main advantages of taking loans from Moneyview, wherein even those with low scores in their credit report can take loans. The app provides an entirely online and paperless loan request, with real-time loan approvals and disbursals to a vast network of pin codes in India. They’ve disbursed loans worth over 5 million customers and disbursed loans worth over ₹20,000 crore, becoming one of the top digital lending players.
- Loan Amount: ₹5,000 to ₹10,00,000
- Interest Rate: From 1.33% per month (around 16% p.a.)
- Eligibility: Salaried and Self-employed, minimum monthly income ₹13,500 (salaried) or ₹15,000 (self-employed).
- Pros: Low CIBIL score friendly, wider reach, fully digital process.
- Cons: High-interest charges for low credit, processing fees, and income document verification are needed.
- Download/App Link: https://moneyview.in/download-moneyview-loans-app
2. KreditBee
KreditBee is one of the top instant personal loan firms in India that is highly renowned for its instant and fully digital loan application process. It is chiefly targeting young working professionals, with more than 7 Crore (70 million) Indians being reached and approving over ₹5,890 Crores of total credit. They provide multiple loan products, such as flexible short-term products, that can be said to make the idea of a 7 days loan app justifiable.
The app’s interface is user-friendly, and its prompt approval has the money being released into your bank account in a 10-minute time window. KreditBee drives home low documentation and rapid KYC, which has made it a darling of needs in situations of urgency, surpassing any 7 days loan app list.
- Loan Amount: ₹1,000 to ₹5,00,000
- Interest Rate: Begins at 17% p.a.
- Eligibility: Salaried & Self-employed, with an age of 21 years and more.
- Pros: Instant approval & disbursal, completely online process, apt for multiple needs.
- Cons: Higher interest for smaller amounts, shorter tenors for repayment, processing fees charged.
- Download/App Link: https://play.google.com/store/apps/details?id=com.kreditbee.android&hl=en&gl=DE
3. MoneyTap
MoneyTap is India’s first credit line app that provides an open-ended personal loan facility that is a great loan app for minor, short-term requirements. It has crossed 20 lakh downloads and has gained over 5 lakh happy customers, reflecting its huge market share. Compared to any other loan where you borrow a lump sum amount, MoneyTap provides you with a credit limit where you borrow as much as you need and pay interest for what you borrowed.
This provides greater freedom to handle sudden expenses without an unnecessarily higher loan. The application process is quick, with instant approvals for the majority of customers who need cash instantly, so it tops any good 7 days loan app list.
- Loan Amount: ₹3,000 to ₹5,00,000
- Interest Rate: From 12% p.a.
- Eligibility: Salaried and Self-employed with minimum income ₹30,000/month.
- Pros: Pay interest only on the consumed amount, withdrawal flexibility, and quick approval procedure.
- Cons: Higher interest on the credit line, setup fee on the credit line, may require a good credit score.
- Download/App Link: Store.https://play.google.com/store/apps/details?id=com.mycash.moneytap.app&hl=en_IN
4. CASHe
CASHe is among the popular app-based lending platforms that manage instant, short-term personal loans to salaried professionals, which generally fall within a handy 7-day loan app. It has disbursed more than ₹4,000 crores in loans to date, with more than 1.2 million loans disbursed. They offer instant access to sizes from small for daily expenses to larger sizes for significant expenses with easy repayment convenience.
CASHe is renowned for the speed of approval and bank transfer and hence continues to be a sure shot during financial downturns. Their AI-based, ML-based technology-powered algorithm takes into account creditworthiness based on factors beyond CIBIL scores, and thus it can be beneficial for new-to-credit users who want an instant 7 days loan app list.
- Loan Amount: ₹1,000 to ₹4,00,000
- Interest Rate: Begins from 2.25% per month (approx. 27% p.a.)
- Eligibility: Salaried customers, minimum monthly salary ₹15,000.
- Pros: Instant disbursal, minimal paperwork, suits multiple salary groups.
- Cons: Primarily for salaried consumers, interest may be high, processing fee chargeable.
- Download/App Link: https://play.google.com/store/apps/details?id=co.tslc.cashe.android&hl=en_IN
5. Fibe (formerly EarlySalary)
Fibe, formerly EarlySalary, is one of India’s top instant loan apps, perfectly designed for urgent monetary emergencies, frequently acting as an outrageously effective loan app replacement. They are experts at providing instant personal loans to salaried individuals with a completely paperless procedure and instant payout.
Fibe’s revolutionary credit scoring system enables speedy approvals even for low or no credit history customers, with loans reaching them in 2 minutes for registered borrowers. Fibe’s app is user-friendly and has transparent terms, hence an open financial option for instant cash needs and a standout option on any list 7 days loan app list.
- Loan Amount: Up to ₹5,00,000
- Interest Rate: From 12% p.a.
- Eligibility: Salary individuals, minimum net monthly salary ₹15,000 (non-metro), ₹18,000 (metro).
- Pros: Fast approval and disbursal, less documentation, repayment flexibility.
- Cons: Salaried eligibility strictness, increased interest for short tenors, processing fees.
- Download/App Link: https://play.google.com/store/apps/details?id=com.earlysalary.android&hl=en_IN&gl=IN
6. Navi
Navi is a new-generation fintech app providing instant personal loans with a 100% paperless journey, and hence, it is an excellent option for a quick 7-day loan app experience. Their personal loan book has grown meteorically, and 90+ days past due (dpd) too has improved significantly from 15.1% till July 2021 to 1.46% till March 2023, which reflects their disciplined risk management.
They attempt to offer an end-to-end user experience, application to disbursal, generally accomplishing the same within minutes. Navi uses technology to determine eligibility in a matter of minutes and extends loans to a large base of users. Their openness and accessibility have earned them essentially sought for instant financial emergencies, generally selected when a person looks for a 7-day loan app.
- Loan Amount: Upto ₹20,00,000
- Interest Rate: 9.99% p.a. onwards
- Eligibility: Salaried and Self-employed, post-profile evaluation.
- Pros: Large loan amount potential, entirely paperless process, quick disbursal.
- Cons: Credit score-dependent, processing charge, limited to a few cities in the beginning.
- Download/App Link: https://play.google.com/store/apps/details?id=com.naviapp&hl=en_IN&gl=IN
7. mPokket
mPokket is a quick loan app that primarily focuses on college-going students and salaried individuals, offering small ticket loans that can essentially be used as a 7 days loan app for pocket money or some other minor urges. They have over 50 million app downloads and have disbursed over ₹16,000 Crores in loans, which says all about their huge presence among India’s youth population.
The app is all about easy and convenient access to funds with less paperwork and credit history for new borrowers. It is a favorite among those who require instant short-term injections of money and appreciate ease in borrowing and absence of paperwork, thus making it a go-to option for many in need of a loan applications.
- Loan Amount: ₹500 to ₹45,000
- Interest Rate: 0% for first loan (subject to conditions), otherwise variable (around 2% to 6% per month).
- Eligibility: College students (with ID) and salaried employees (with salary slips).
- Pros: Lower loan amount for urgent needs, no CIBIL score for students, easy approval.
- Cons: Higher interest for regular loans, low loan amounts, short tenors.
- Download/App Link: https://play.google.com/store/apps/details?id=com.mpokket.app&hl=en_IN&gl=IN&pli=1
8. NIRA
NIRA is a FinTech company that offers a line of credit to white-collar employees mainly, which can be used to fulfill immediate needs, more or less in the pattern of a 7-day loan app. They aim to serve India’s mass market with relevant and accessible financial products. They provide flexible lending sums with a high emphasis on ease of borrowing and instant access to funds, with their rates between 2.0% and 3.0% monthly.
NIRA’s platform is one that is easy to use, providing borrowers with payment facilities for credit lines and repayments at their convenience. They place a strong emphasis on clear-cut terms and conditions, and therefore, they are a good bet for instant cash needs while looking for a secure 7-day loan app.
- Loan Amount: ₹5,000 – ₹1,00,000
- Interest Rate: From 1.5% pm (approximately 18% p.a.)
- Eligibility: Salaried with a minimum salary of ₹12,000 per month.
- Pros: Easy credit line, transparent fees, fast disbursal.
- Cons: Mainly salaried, variable rate of interest, processing fee.
- Download/App Link: https://play.google.com/store/apps/details?id=com.nirafinance.customer&hl=en_IN&gl=IN
9. PaySense
PaySense is among the best personal loan apps in India, providing instant loans to salaried and self-employed individuals with ease of repayment to meet smaller needs like a 7 days loan app. They have acquired more than 100 lakh app downloads and have disbursed more than ₹2,000 crore to date.
The app is famous for its competitive interest rates and ease of digital application process, minimizing paperwork. PaySense has its own credit score model, which helps borrowers with a bad or new credit history enjoy ease of access. Convenience is their priority, making them a good option for instant personal financial needs, the finest in the online lending segment.
- Loan Amount: ₹5,000 to ₹5,00,000
- Interest Rate: Begins at 1.33% per month (around 16% p.a.)
- Eligibility: Salaried and Self-employed with a minimum income of ₹18,000/month (salaried) or ₹15,000/month (self-employed).
- Pros: Ideal for salaried/self-employed, attractive rate of interest, simple online process.
- Cons: Eligibility criteria based on income, processing charges, and higher rate of interest for poor credit scores.
- Download/App Link: https://play.google.com/store/apps/details?id=com.gopaysense.android.boost&hl=en_IN&gl=IN
10. LazyPay
LazyPay, being backed by PayU, makes personal loans easier with its easy-to-use digital platform, providing instant disbursals and approvals that can act as an instant loan app solution. They were lending more than ₹100 crore per month in 2020, and 75,000 new individuals were joining each month.
It’s especially famous for its “Buy Now, Pay Later” products, which essentially mean little instant loans for small things now. LazyPay is about frictionless and fast borrowing with little paperwork and quick decision-making. Their compatibility with other online services is an additional convenience to customers seeking pay flexibility or a speedy 7 days loan app.
- Loan Amount: ₹5,00,000
- Interest Rate: From 15% p.a.
- Eligibility: 22-55 years, depending on credit report and transaction history record.
- Pros: Fast approval, electronic process, “Buy Now, Pay Later” facility.
- Cons: Harsh eligibility, variable interest rates, processing charges.
- Download/App Link: https://play.google.com/store/apps/details?id=com.citrus.citruspay&hl=en_IN
Pros & Cons of 7-Day Loan Apps
While 7 days loan apps certainly do come with a balanced means, shifting the balance towards either their convenience at a moment’s notice or negatives. All applicants need to be cognizant of the quick solutions offered by these apps with their own pros and cons.
Pros:
- Instant Disbursal: Money is credited to your bank account the moment approval happens, resulting in instant relief.
- Low Documentation: Entire paperless process, with only necessary KYC documents required, for ease of application.
- High Accessibility: Run 24/7 and often takes people with poor or zero credit history, increasing financial inclusion.
Cons:
- High Interest Rates: Typically, much higher Annual Percentage Rates (APR) than personal loans, which will increase the cost overall.
- Short Repayment Period: The very short tenure, often just 7 days, can lead to repayment stress if not carefully managed.
- Hidden Charges: The borrowers must thoroughly review the processing charge, late payment charge, and other initial deductions that add to the overall cost of the loan.
How to Get a 7-Day Loan Online
Getting a 7 days loan via an application is convenient, given the nature of such loans. Everything is usually done online, providing convenience throughout the process from beginning to end when looking for a 7 days loan app.
- Download the App: Start by downloading the desired loan app on Google Play Store or Apple App Store while checking that it’s a reputable platform.
- Register and Set Up Profile: Register your mobile number and fill in your personal profile with simple details, ensuring everything is correct to make the process more convenient.
- Finish KYC: Upload the required documents, such as a PAN card, Aadhar card, and a clear selfie for online Know Your Customer (KYC) verification, which is an obligatory process for any regulated 7-day loan app.
- Fill Income Details: Share recent salary slips or bank statements as proof of income, if the specific 7 days loan app requires it, to determine your payment capacity.
- Loan Application & Disbursal: Choose the loan amount and tenor of your choice, carefully read the terms and conditions, and on sanction, money gets credited to your bank account, which is usually very fast.
Charges to Watch Out For
Though 7 day loan apps are convenient and fast, it’s essential to be aware of different fees that can substantially increase the overall cost of your loan. Paying attention to these fees is necessary in order not to incur unexpected expenses from a 7 days loan app.
- Processing Fees: A standard fee, usually a percentage of the loan, charged upfront from the disbursed amount.
- Interest Rate: It is the maximum borrowing cost, which is a considerable percentage for short-term, unsecured loans from a loan app compared to the usual loans.
- Late Payment Penalties: Apps charge enormous penalties or excessive interest charges if you don’t pay on the very due date.
- Prepayment Charges: There are certain loan applications that provide the option to charge you a fee if you return the loan within a short time, so always watch for this term.
- GST: Goods and Services Tax will be charged on processing fees and on any other fee the lending website may be charging.
Essential Tips Before Taking a 7-Day Loan
Before committing your mind to a 7 days loan, it is necessary to remember some things to make borrowing secure and maintain healthy finances. The below tips will assist you in proceeding safely and staying away from debt traps while borrowing any 7 days loan app.
- Check Your Need: Borrowing is to be done only if it is an authentic, urgent financial requirement and you have a clear, realistic repayment plan at the earliest.
- Carefully Read Terms: Always carefully read and comprehend the entire loan agreement, fine print, and any probably hidden fees.
- Verify RBI Registration: Positively ascertain that the lending application or its corresponding NBFC is appropriately registered with the RBI for genuine status and regulatory compliance.
- Compare Interest Rates: Don’t simply accept the first offer; work hard to compare interest rates and all connected fees among different 7 days loan applications.
- Prioritize Repayment: Make sure that you possess enough liquid cash to repay the loan when due to prevent outrageous fees and a damaged credit record.
Final Thoughts
7 days loan apps have truly transformed the availability of instant credit in India, providing a cushion for unforeseen financial emergencies. Their unmatched speed, low documentation, and accessibility via mobile phones place them in high demand, particularly from those with unexpected expenses. Nevertheless, it is absolutely essential to exercise utmost caution in dealing with these loans.
The very short periods of payment and very high interest rates characteristic of a 7 days loan app list can easily lead to a debt snowball if not handled with care. They are deliberately made as an emergency stopgap and certainly not for solving long-term cash issues or for purposes of discretionary expenses. Always make sure to borrow from an RBI-approved lender and have a clear repayment schedule in place to repay the loan on time to keep away from heavy penalties and legal problems.
FAQs
Is a 7-day loan app legal in India?
Yes, all 7 day loan apps are legal if they are owned by RBI-registered banks or NBFCs or are partnered with them. Always check the RBI registration details of the lender before that.
What are the documents typically required for a 7-day loan?
Typically, a PAN card, Aadhar card, and bank account will be enough for KYC. Salary slips or bank statements might also be asked by specific platforms of a 7 days loan app as proof of income.
Can you get a 7-day loan with a poor CIBIL score?
There are apps for 7 -day loans which serve people with lower or zero credit scores, depending on alternate data, but note rates of interest will be much higher for such profiles.
How fast can I receive money from a 7-day loan app?
Disbursement might be as fast as a few minutes to a few hours post-approval, which makes a 7 day loan app significantly faster for immediate financial needs.
What are the significant charges with 7-day loan apps?
Significant changes include high interest rates, processing fees (usually charged on the first try), and significant late payment fees. Always review the whole breakdown of charges of the respective 7 days loan app.
Is it safe to give personal information to 7-day loan apps?
Yes, if the app is authentic, clear, and connected with an RBI-regulated entity. Use unregulated apps with extreme caution since they can misuse your personal and monetary details. Always check reviews and authenticity of the 7 days loan app.
