Best Personal loan apps in India
14 ranked. Personal loan and credit apps in India, ranked by GoCredible Score across the public app store ratings, with the full star split published rather than the average alone.
Last updated 2026-10-09.
Ranked by: GoCredible Score, highest first
How we ranked this
- Rating average across every public source we cover
- Number of ratings behind that average
- How recent those ratings are
No company paid for a position in this ranking. Read the full method
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1
Kissht
GoCredible Score 4.9 out of 5, from 1,526,330 ratings across 2 public sources.
Google Play's 4.9 from 1,522,261 ratings contrasts with the App Store's 4.6 from 4,069, and 2.3% of Google Play ratings are one star.
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2
Moneyview
GoCredible Score 4.8 out of 5, from 4,285,134 ratings across 2 public sources.
Despite matching 4.8 averages across both stores, Google Play has more one-star ratings (111,711) than two-star (26,146) and three-star (62,973) ratings combined.
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3
Bajaj Finserv
GoCredible Score 4.7 out of 5, from 8,137,443 ratings across 2 public sources.
Google Play's 7,628,333 ratings far outnumber Apple's 509,110, while one-star ratings account for 2.5% of Google's star histogram.
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4
Fibe
GoCredible Score 4.6 out of 5, from 622,980 ratings across 2 public sources.
Despite its 4.6 Google Play average, 51,181 of Fibe's 577,316 ratings are one star, about 8.9% of the total.
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5
KreditBee
GoCredible Score 4.6 out of 5, from 1,952,002 ratings across 2 public sources.
Google Play's 4.6 average masks a 7.6% one-star share, while the Apple App Store averages 4.4.
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6
LazyPay
GoCredible Score 4.6 out of 5, from 741,563 ratings across 2 public sources.
The app averages 4.6 on Google Play from 587,722 ratings and 4.8 on the App Store from 153,841. On Google Play, 81.5% of ratings are five stars and 6.9% are one star.
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7
Stashfin
GoCredible Score 4.6 out of 5, from 484,717 ratings across 2 public sources.
The app averages 4.6 on Google Play from 464,639 ratings and 4.3 on the App Store from 20,078. On Google Play, 83.5% of ratings are five stars and 6.3% are one star.
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8
True Balance
GoCredible Score 4.6 out of 5, from 2,736,532 ratings across 2 public sources.
The app averages 4.6 on Google Play from 2,720,455 ratings and 4.6 on the App Store from 16,077. On Google Play, 82.4% of ratings are five stars and 4.1% are one star.
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9
mPokket
GoCredible Score 4.6 out of 5, from 2,914,323 ratings across 2 public sources.
The app averages 4.6 on Google Play from 2,909,431 ratings and 4.5 on the App Store from 4,892. On Google Play, 84.6% of ratings are five stars and 6.6% are one star.
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10
Navi
GoCredible Score 4.5 out of 5, from 7,101,292 ratings across 2 public sources.
Both stores show 4.5 stars, yet one-star ratings make up 5.7% of Navi's Google Play reviews.
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11
CASHe
GoCredible Score 4.4 out of 5, from 435,098 ratings across 2 public sources.
The app averages 4.4 on Google Play from 396,552 ratings and 4.3 on the App Store from 38,546. On Google Play, 76.6% of ratings are five stars and 12.6% are one star.
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12
Shriram One
GoCredible Score 4.4 out of 5, from 195,921 ratings across 2 public sources.
The app averages 4.4 on Google Play from 186,925 ratings and 4.7 on the App Store from 8,996. On Google Play, 74.8% of ratings are five stars and 10.0% are one star.
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13
Tata Capital
GoCredible Score 4.4 out of 5, from 124,535 ratings across 2 public sources.
The app averages 4.4 on Google Play from 112,089 ratings and 4.6 on the App Store from 12,446. On Google Play, 76.0% of ratings are five stars and 7.7% are one star.
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14
iMuthoot
GoCredible Score 4.4 out of 5, from 261,058 ratings across 2 public sources.
The app averages 4.4 on Google Play from 228,954 ratings and 4.7 on the App Store from 32,104. On Google Play, 75.5% of ratings are five stars and 8.1% are one star.
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Side by side
| # | Company | Score | Ratings | City |
|---|---|---|---|---|
| 1 | Kissht | 4.9 | 1,526,330 | Mumbai |
| 2 | Moneyview | 4.8 | 4,285,134 | Bengaluru |
| 3 | Bajaj Finserv | 4.7 | 8,137,443 | Pune |
| 4 | Fibe | 4.6 | 622,980 | Pune |
| 5 | KreditBee | 4.6 | 1,952,002 | Bengaluru |
| 6 | LazyPay | 4.6 | 741,563 | Mumbai |
| 7 | Stashfin | 4.6 | 484,717 | New Delhi |
| 8 | True Balance | 4.6 | 2,736,532 | Gurugram |
| 9 | mPokket | 4.6 | 2,914,323 | Kolkata |
| 10 | Navi | 4.5 | 7,101,292 | Bengaluru |
| 11 | CASHe | 4.4 | 435,098 | Mumbai |
| 12 | Shriram One | 4.4 | 195,921 | Chennai |
| 13 | Tata Capital | 4.4 | 124,535 | Mumbai |
| 14 | iMuthoot | 4.4 | 261,058 | Kochi |
What to look at before you choose
Recovery practice is what the one star reviews describe
This is the category where the tail matters most. The complaints are about collection calls, charges that were not clear at signing and data taken from the phone. A strong average sitting over that tail is not a clean record.
A rating prompt at approval inflates the average
Several apps ask for a rating at the moment a loan is approved, which is the happiest minute of the relationship. Repayment comes later and is rated differently.
A three step check
Check the volume
A 4.8 from 30 ratings is a weaker signal than a 4.3 from 900.
Check the date
A business changes hands, a manager leaves, and the rating takes a year to catch up. Look at what people wrote this quarter.
Check whether anyone replied
A company that answers its worst reviews is telling you what happens when something goes wrong for you.
Questions
Is a lender on this list regulated?
This ranking does not establish that. Check the lender's registration with the Reserve Bank of India directly. A store rating says nothing about it.
How often is this ranking updated?
Whenever a source's rating average is refreshed. Each entry carries its own as of date.
Can a company pay to rank higher here?
No. Placement is the GoCredible Score and nothing else. If that ever changes, the paid entries are labelled inline.
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