Are you a bit strapped for money? Maybe your paycheck is a week away, but an unexpected expense just came up – a medical bill, a small repair for your house, or an urgent travel need. We’ve all been there. It’s that stressful moment when you need some cash on the spot and you need it fast. In this digital age, instant loan apps are the answer for many.
Among them, the concept of “7 days loan app list” has gained a lot of popularity. It sounds simple, right? Get cash now, and pay back in one week. But what are these loans anyway? Are they safe? And which apps can you trust?
In this article, we’ll discuss what these loans are, their advantages and disadvantages, and a list of some of the best instant loan apps for 2025 in India. We’ll get you the information you need to make a smart and safe decision.
What is a 7-Day Loan?
A 7-day loan is just what its name suggests: a very short-term loan that you are expected to pay back in full within seven days. It is a form of “payday loan” or “microloan” that fills a small cash flow gap until your next paycheck. Because of the short tenure of the loan, the amount of the loan is usually small – generally between Rs 1,000 and Rs 15,000.
The selling point is mainly speed and convenience. You don’t need to go to a bank, complete piles of paperwork or wait days for approval. The whole process is completed on your smartphone.
What Are 7-Day Loan Apps?
These are mobile applications which allow you to apply for and receive a 7-day loan directly into your bank account. They use technology to verify your identity in seconds (typically using your PAN and Aadhaar card) and check your eligibility. Once approved, the money is often paid within minutes or hours.
However, it’s extremely important to know that the term “7 days loan app list” has a bad reputation in India. This is because many unregulated apps provided these finance loans at very high interest rates and used harsh methods to collect. The RBI (Reserve Bank of India) has raided such apps.
As a result, most of the genuine RBI-approved apps no longer provide a 7-day loan facility. Instead, they provide flexible short-term loans with a minimum and maximum repayment period of 61 days or more, but you can repay earlier if you want. This article will be about these safer, RBI-registered apps that give you quick cash for short-term requirements.
Why 7-Day Loans Are Gaining Popularity in India
- Instant Gratification: In a world where people can have food delivered to their doorstep and entertainment at their fingertips, they expect the same from financial services. These apps promise to deliver on that promise.
- Accessibility: Millions of Indians, particularly young professionals and students, may not have access to a credit card or a strong credit history to secure a traditional bank loan. These apps tend to be more lenient.
- Minimum Paperwork: The whole process is digital. All you need is your Aadhaar, PAN card and sometimes a selfie and bank statement. No hard copies of any documents are required.
- Small Ticket Sizes: Sometimes you just need a small ticket size of Rs 5,000 rather than Rs 50,000. These are ideal for covering little unexpected expenses.
Side-by-Side Comparison Table:
| App Name | Loan Amount Range | Interest Rate (p.a.) | Processing Time | User Ratings (Avg) |
| KreditBee | ₹1,000 – ₹4,00,000 | 18% – 29.95% | 10 Minutes | 4.5 |
| mPokket | ₹500 – ₹30,000 | From 24% | Minutes | 4.4 |
| CASHe | ₹1,000 – ₹4,00,000 | From 30% | Same Day | 4.3 |
| Slice | ₹2,000 – ₹10,00,000 | Up to 36% | Instant | 4.6 |
| Navi | Up to ₹20,00,000 | 9.9% – 45% | Minutes | 4.4 |
| TrueBalance | ₹5,000 – ₹50,000 | From 60% | 30 Minutes | 4.3 |
| MoneyTap | ₹3,000 – ₹5,00,000 | 13% – 36% | Instant (post-approval) | 4.2 |
| PaySense | ₹5,000 – ₹5,00,000 | 16% – 36% | Few hours – 2 days | 4.5 |
| SmartCoin | ₹1,000 – ₹1,00,000 | From 20% | Same Day | 4.4 |
| StashFin | ₹1,000 – ₹5,00,000 | 11.99% – 59.99% | Instant | 4.1 |
Top 10 Best 7 Days Loan App List in India (2025)
Here is a list of reputable and RBI-registered instant loan apps that provide quick short-term loans: While they are not strictly defined as “7-day” loans because of regulations, they are used in the same way to provide emergency cash with short repayment terms that are flexible.
1. KreditBee
KreditBee is one of the most popular instant loan platforms in India, trusted by millions for its quick and hassle-free process. It is especially designed for young professional who need a small instant loan to pay their monthly expenses. The platform is completely digital, from application to disbursal, so it is very convenient for anyone who requires a fast cash injection. They have collaborated with various RBI-registered Non-Banking Financial Companies (NBFCs) to offer these loans, providing users with a high level of trust and security.
The application process is easy and only basic KYC documents are required, and the eligibility requirements are relatively low. KreditBee offers a variety of loan options, including Flexi Personal Loans for smaller and shorter-term needs, or Personal Loans for Salarieds for larger amounts and longer tenors, making it a one-size-fits-all solution for various financial needs. 7 Days Loan App List
- Loan Amount Range: ₹1,000 to ₹4,00,000
- Interest Rates: 18% to 29.95% per annum
- Eligibility Criteria: Indian Citizen, Above 21 years, Monthly Stable Income
- Processing Time: As fast as 10 minutes to approval and disbursal.
Pros & Cons:
- Pros: Very quick processing, flexible loan amounts, available in several languages.
- High-interest rates: People with poor credit scores may face higher interest rates.
Official Download Link: https://www.kreditbee.in/
2. mPokket
mPokket has carved a niche for itself by catering to college students and young salaried professionals, two groups that often struggle to obtain access to conventional credit. It recognises that their financial needs are small but immediate – such as paying for exam fees, purchasing a textbook or coping with expenses until the next pocket money or salary comes through. The app makes small loans instantly to a user’s bank or Paytm account as pocket money.
The whole process is app-based and requires very little documentation – students only need their college ID card. For young professionals, a salary slip is enough. This unique focus, coupled with an easy-to-use interface and a very fast approval process has made mPokket a financial friend of choice for India’s youth when they find themselves in a pinch. 7 Days Loan App List
- Loan Amount Range: ₹500 to ₹30,000
- Interest Rates: Begins at approximately 24% per annum
- Eligibility Criteria: Student (18+) or salaried professional. College students must have a college ID; salaried workers must have proof of income
- Processing Time: Can be as little as several minutes for repeat users.
Pros & Cons:
- Pros: Best for students, very low loan amounts, instant disbursal
- Cons: The maximum loan amount is low, mostly for very small needs.
Official Download Link: https://www.mpokket.in/ticket-size/5000-instant-personal-loan
3. CASHe
CASHe is a smart and user-friendly platform for instant personal loans that targets young salaried millennials. It employs its own AI-based algorithm Social Loan Quotient (SLQ) which goes beyond the traditional credit scores to evaluate the creditworthiness of a borrower. This means CASHe can get approval for loans for many people who may be new to credit or have a thin credit file. The application process is completely digital and smooth.
Apart from the regular personal loans, CASHe also provides a credit line facility, where you can withdraw money as per your requirement up to the approved limit. They also offer Buy Now, Pay Later on shopping sites such as Amazon and Flipkart. This innovative lending approach, along with the features that cater to the digital-native generation, makes CASHe a strong competitor in the instant loan space. It’s making a 7 Days Loan App List.
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- Loan Amount Range: ₹1,000 to ₹4,00,000
- Interest Rates: Starting from 30% per year.
- Eligibility Criteria: Indian citizen, aged 21 years and above, salaried, with a minimum monthly income of Rs. 12,000.
- Processing Time: Approval and disbursal can be done on the same day.
Pros & Cons:
- Pros: Credit line based on individual credit assessment model (SLQ), multiple repayment options
- Cons: Only for salaried people, minimum salary required.
Official Download Link: https://www.cashe.co.in/
4. Slice
Slice began as a credit card challenger, and has now grown to be a full-scale financial platform serving the youth in India. Its flagship product, the Slice card, is similar to a credit card, but is far easier to obtain, particularly among young adults and freelancers who might not be able to get a traditional one. It gives you a credit limit which you can use to make payments online or offline and you can settle your bill monthly. More recently, Slice has also entered the business of offering you instant cash loans to your bank account, based on your current Slice credit profile.
The application is characterized by a smooth and minimalist design and open pricing policy. It is designed to attract the generation that values convenience and the ability to manage their expenditure, and it offers them a modern alternative to both traditional credit cards and personal loans, all managed through a single user-friendly platform. It’s making a 7 Days Loan App List.
- Loan Range: 2000 to 1000000 (credit line)
- Interest Rates: 36 percent per annum.
- Eligibility Requirement: Indian resident, 18 years. Open to students, self-employed and salaried.
- Processing Time: Credit line is processed as soon as it is approved.
Pros & Cons:
- Pros: Functions as a credit card, EMIs on the majority of purchases are free, easy to use.
- Cons: It is mostly a credit line, not a regular loan; interest is charged in case you do not pay the entire bill.
Official Download Link: https://www.sliceit.com/
5. Navi
With the support of Sachin Bansal, co-founder of Flipkart, Navi is set to simplify, afford, and access financial services. The Navi platform is a fully paperless way of obtaining personal loans, and the whole process, including application and disbursal, only takes a few minutes. The difference between Navi and other sites is that it is all about using technology to make everything easier to use, which makes the site feel smooth and fast.
You are able to take loans up to 20 lakh without any physical documents. The application applies a technology-based methodology to evaluate your eligibility and gives you an immediate decision. In addition to personal loans, Navi also provides home loans, health insurance, as well as, making it a one-stop solution to the financial needs of the average Indian consumer, all under one easy to use mobile app. It’s making a 7 Days Loan App List.
- Loan Amount Range: Up to ₹20,00,000
- Interest Rates: 9.9% to 45% per annum.
- Eligibility: Indian citizen, 18+. Salaried or self-employed.
- Processing Time: Minutes after the last approval to disburse.
Pros & Cons:
- Pros: 100 percent paperless, immediate transfer to bank account, increased loan values.
- Cons: The interest rates may be high when the credit profile of an individual is weak.
Official Download Link: https://navi.com/
6. TrueBalance
TrueBalance began as a mobile balance check application and has been able to transform into a full-blown financial services platform. It targets the next billion users in India who may not be well served by conventional banks and other financial institutions. The platform features a series of small-ticket loans, dubbed Level Up Loan, that are not difficult to secure despite a low credit score.
The concept is to establish a credit record in the hands of users; the more you pay on time, the higher your credit limit is. It is very easy to apply and all the applications are done in regional languages and therefore accessible to more people. Besides loan services, TrueBalance provides services such as mobile recharges, utility bill payments, and e-commerce to its target users, thus, making it a convenient all-in-one application. It’s making a 7 Days Loan App List.
- Loan Amount Range: ₹5,000 to ₹50,000
- Interest Rates: Depending on risk profile, may be high, beginning at approximately 60 percent per annum.
- Eligibility Criteria: Indian citizen, aged 18-45 years, needs to have a bank account.
- Processing Time: It is usually paid within 30 minutes.
Pros & Cons:
- Pros: No or minimal credit score, enables users to create credit history, user friendly.
- Cons: There are very high interest rates in comparison with others.
Official Download Link: https://www.truebalance.io/
7. MoneyTap
MoneyTap has a product, a credit line, which is a blend of personal loan and credit card. After you are approved, you receive a credit limit (up to 5 lakh) which you can utilize whenever you need. The most interesting thing is that you only pay interest on the amount you actually take out and not the full limit approved. This renders it a very versatile financial instrument in the event of an emergency or a planned cost whose actual amount is not known.
You can move money into your bank account or swipe at stores with the connected MoneyTap card. The repayment terms are not fixed but between 2 and 36 months. The model is an innovative financial control and flexibility tool that is attractive to salaried professionals seeking a safety net. It’s making a 7 Days Loan App List.
- Loan Range: 3,000 to 5,00,000 (credit line).
- Interest Rates: 13% to 36% per annum.
- Eligibility Criteria: Individual, earning a salary, 23 years and above, monthly income of 30000 rupees or more.
- Processing Time: It is fast to be approved and the money can be transferred immediately after the credit line is activated.
Pros & Cons:
- Pros: One only pays interest on the amount they are using, the limit is flexible, and the limit can be reused.
- Cons: It would increase the minimum income level, which is not applicable to non-salaried people.
Official Download Link: https://web.moneytap.com/
8. PaySense (now integrated with LazyPay)
PaySense has joined forces with LazyPay to provide a powerful platform with a broad credit product offering. It is known for its instant personal loan and user-friendly platform which is suitable for both salaried and self-employed individuals. The platform relies on a proprietary credit model to assess applicants, allowing even those who are new to credit to access the platform. The application process is completely digital, and you will need to upload your KYC documents and bank statements through the app.
Affordability: It is known for its competitive interest rates and flexible EMI options. The acquisition of LazyPay has also added a Buy Now Pay Later option to the mix, so you can obtain an instant credit limit for online purchases, creating a one-stop shop for a range of short-term credit options. It’s making a 7 Days Loan App List.
- Loan Amount Range: ₹5,000 to ₹5,00,000
- Interest Rates: 16% to 36% per annum.
- Eligibility: Indian citizen, Age: 21 to 60 years, Minimum Monthly Income: Salary: Rs. 18,000/month, Self-employed: Rs. 20,000/month
- Processing Time: May take between several hours and 2 working days for the initial loan.
Pros & Cons:
- Pros: Can be applied for by salaried or self-employed, simple documentation process, competitive interest rates
- Cons: Processing time can be a little longer than with other instant apps.
Official Download Link: https://www.gopaysense.com/
9. SmartCoin (olyv)
SmartCoin is a fintech company that is focused on providing small-ticket personal loans to the underserved masses in India. It’s geared towards people, such as small business owners, support staff, and gig economy workers, who might not have access to formal banking credit. The platform is AI and machine learning-driven to evaluate a user’s creditworthiness even if they don’t have a formal credit score. The application for a loan is simple, fast and can be made entirely from a smartphone.
The loan limits are very low, and as you demonstrate a track record of making on-time payments, your loan limit gradually increases. Not only does this approach deliver much-needed funds, but it also empowers individuals to build a positive credit profile over time, making SmartCoin a crucial player in the financial inclusion landscape. It’s making a 7 Days Loan App List.
- Loan Amount Range: ₹1,000 to ₹1,00,000
- Interest Rates: Highly variable depending on risk profile, but starting at about 20% per annum.
- Eligibility Criteria: Indian Citizen, Age above 21 years, Regular Monthly Income
- Processing Time: Disbursal can be done same day
Pros & Cons:
- Pros: Can get low loan amounts, open to a wide range of professionals, helps build credit
- Cons: Loan amounts for new users are very low in the beginning.
Official Download Link:
10. StashFin
StashFin is an easy and quick way to obtain a credit line that can be used for many purposes. It provides a credit line card that functions as a virtual and physical credit card that you load money from your approved limit and use for online payments, POS transactions, and even withdrawals from ATMs.
You only pay interest on the amount you borrow Repayment is done in easy EMIs and after repayment, your credit limit is reinstated. This is a revolving credit facility which can be very helpful for covering expenses that vary from month to month or emergency situations. With its quick processing times and transparent terms, the platform is a trusted choice for individuals seeking a flexible and accessible source of funds. It’s making a 7 Days Loan App List.
- Loan Amount Range: Credit line from Rs. 1,000 to Rs. 5,00,000
- Interest Rates: 11.99% to 59.99% per annum.
- Eligibility Criteria: Indian Citizen, Above 18 years, Should have a source of Income.
- Processing Time: The card is activated quickly after it gets approved.
Pros & Cons:
- Pros: No charge ATM withdrawals (up to 10 per month); interest charged only on money you withdraw; instant approval.
- Cons: For high-risk customers, the interest rate can be very steep.
Official Download Link: Available on Google Play Store and Apple App Store.
How to Apply for a 7-Day Loan Online (A Simple 5-Step Process)
- Choose a Trusted App: Choose one of our Trusted apps in RBI. Look at its reviews and ratings.
- Install and register: You can install the application on the official Google Play store or Apple App Store. Register with your mobile number.
- Finish Your KYC: Carry your PAN card and your Aadhaar card along. You will be asked to fill in the information and probably take a selfie to confirm.
- Complete Your Information: Enter some basic details about the job. Your eligibility will be determined immediately through the app.
- Apply and Get Money: You will see what terms and loan amount will be given in case you are granted. Accept the payment, enable auto-debit (where necessary) and the funds will be deposited in your account.
Charges to Watch Out For
Always read the fine print! Look for these charges:
- Processing Fee: This is a fee that is paid once the loan is disbursed (typically 2-5 percent of the loan amount).
- Late payment Fees: These are extremely high. Late submission of the due date can drastically add to your overall amount of repayment.
- Prepayment Charges: There are lenders who charge you a fee in case you want to pay off your loan early.
- GST: 18 percent GST will be charged on every fee (processing fees and late payment fees).
Important Tips Before Taking a 7 days loan app list
- Check of RBI Registration: This is the most crucial step. A partner of the RBI registered NBFC implies that the app observes fair lending.
- Borrow Only What You Can Use: It is not because you are eligible to borrow 10,000 that you should borrow it. Take as little as possible.
- Have a Good Repayment Strategy: Before you even submit an application, you should know how you will be repaying the loan before the due date.
- Read the Loan Contract: Do not just click I Agree. Be aware of the interest rate, charge and the time of repayment.
- Never Take out another Loan to pay this one: That is the way the debt spiral starts. Avoid it at all costs.
Conclusion
Instant loan apps can prove to be a savior during a real emergency. They provide the speed and convenience that traditional banks just cannot compete with. A service like KreditBee or mPokket might come in handy when it comes to a small, urgent cash need.
This convenience is quite costly and dangerous otherwise. The trick is to be a smart borrower. Use only reputable, controlled applications, know all the charges incurred, take only the necessary loans and always make it a point to repay on time.
Consider these 7 days loan app list like a financial instrument, not like money. When put to good use, they can assist you in getting out of a difficult situation. When used in a wanton manner, they may cause a greater financial headache. Be mindful, be watchful and take care of your finances.
FAQs
Do these 7 days loan app list applications work?
Yea, the above-mentioned apps are usually safe since they are collaborating with NBFCs that are registered by RBI. Nevertheless, you should be very careful and suspicious of any unregulated application that offers loans without due diligence.
Will a loan borrowed through these apps impact my CIBIL score?
Yes. These legal applications disclose your credit conduct to credit agencies such as CIBIL. Timely payments can help improve your credit score, and late payments or defaults will have a very detrimental effect.
Will I be able to get a loan being a student who has no income?
Some apps such as mPokket are student-focused and do not necessarily need a formal source of income. You would normally be required to show your college ID as identification.
What will become of me in case I fail to pay the loan in 7 days?
Each day you will pay a heavy late payment penalty. The agents of the app will get in touch with you, and your credit score will be affected negatively, so it will become more difficult to borrow money in the future.
