Struggling to pay college fees, buy books, or handle sudden expenses with empty pockets? Many students face rejection from regular loan apps simply because they have no salary slip or CIBIL score. That is why finding the right personal loan apps for students matters.
That’s where a good student loan app without CIBIL score changes everything. These apps approve small loans quickly using your college ID, Aadhaar, and basic details no credit check, no heavy documents, and often with easy short-term repayment.
Here’s a carefully researched list of the most reliable personal loan apps for students in India that actual students are using right now to get funds fast without worrying about their credit history.
Personal Loan Apps for Students
Generally, online personal loans require users to provide a salary slip or CIBIL score, but most students do not have either of these. To address this need, some NBFC-registered loan applications have been designed specifically for students seeking personal loan apps for students.
After careful research, I have compiled this personal loan apps for students list to help them find suitable loan options.
You should not read this post in a hurry, otherwise you may miss important details such as EMI, Tenure, Processing Fees, eligibility criteria, and other key information. So, let's explore each student loan app one by one.
Note - Are you searching on the internet for loan apps for students age 18, loan apps for students under 20, or loan apps for students with pan card? If so, you can relax because this post answers all of these questions and provides the information you are looking for.
For Students - For students who are looking for an Instant loan app for students where they can get a Small Cash loan within 24 hours, this 500 rs loan & instant loan of 1000 post may help them find suitable options.
Best Loan Apps for Students in India
Explore the Top 10+ instant loan app in India for students, including loan amount, eligibility, EMI, tenure, fees, and key features.
| # | Loan App | Loan Amount | Interest Rate (Monthly) | Rating |
|---|---|---|---|---|
| 1 | mPokket | ₹500 – ₹50,000 | 2% – 4% | 4.7 |
| 2 | Branch | ₹500 – ₹5,00,000 | 2% – 4% | 4.6 |
| 3 | Pocketly | ₹500 – ₹10,000 | 2% – 3% | 4.5 |
| 4 | MobiKwik | ₹500 to ₹30,000 | 0% to 3% | 4.4 |
| 5 | KreditBee | ₹3,000 – ₹5,00,000 | 1.4% – 2.5% | 4.5 |
| 6 | PaySense | ₹5,000 – ₹5,00,000 | 1.3% – 3% | 4.3 |
| 7 | StuCred | ₹1,000 – ₹15,000 | 0% – 1% | 4.6 |
| 8 | CASHe | ₹5,000 – ₹4,00,000 | ~1.5% – 2.5% | 4.4 |
| 9 | LazyPay | ₹1,000 – ₹1,00,000 | ~1% – 1.8% | 4.2 |
| 10 | SlicePay | ₹2,000 – ₹10,000 | 0% – 3% | 4.4 |
| 11 | CashBean | ₹5,000 – ₹60,000 | 2.5% – 3% | 4.1 |
| 12 | Buddy Loan | ₹5,000 – ₹1,00,000 | 1.5% – 2.5% | 4.0 |
| 13 | Eduvanz | ₹5,000 – ₹10,00,000 | 1.5% – 3% | 3.8 |
| 14 | GetItNow | ₹1,000 – ₹10,000 | 0% – 3% | 4.1 |
| 15 | RedCarpet | ₹500 – ₹50,000 | 0% – 2.5% | 4.0 |
Among these, mPokket and StuCred are considered college student loan apps. Through these apps, students can instantly get cash loans ranging from ₹500 to ₹30,000.
All the student loan apps listed here can be applied for within a few minutes using a mobile phone.
You need to upload your college ID, selfie, and add your bank account details. After that, the loan amount is credited to your bank account within 5–30 mins.
Some of these apps also offer interest-free loans with a longer repayment period, which you can check in the details given below.
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Student Loan App (Full Details)
Let's now go through each app from the list below one by one in detail. At LoanEligibilityStatus.com Student Loan App, students can understand the important terms and avoid any confusion after taking a loan.
1. mPokket – Student Loan App 18 Age
mPokket is an Instant ₹10,000 Loan App for Students that provides special features for students.
The good news is that no CIBIL score is required here. I have read all the information on its official website.
Download it now to meet your education-related needs and get a loan from ₹500 to ₹50,000 within 24 hours.br>
Now, this application is providing loans only to employed people. This app has 50M+ downloads and a 4.7 rating.
| Loan Details | Information |
|---|---|
| Loan Amount | ₹500 to ₹50,000 |
| Interest Rate | 2–4%/month |
| Loan Tenure | 90 days to 12 months |
| Eligibility | Age 18+, College Student |
| Processing Fee | ₹30–₹200 |
| Support | support@mpokket.com |
| Helpline | 033-6645-2400 |
2. Branch – Instant Student Loan App
The Branch app provides loans to self-employed, business owners, and students as well, meaning it offers loans even without a CIBIL score.
To take a ₹500 loan online not much is required here. After taking the loan, it must be repaid within 7 days.
The loan is provided within 24 hours after reviewing your profile. This application has a 4.6 rating and 50M+ downloads.
| Loan Details | Information |
|---|---|
| Loan Amount | ₹500–₹5,00,000 |
| Interest Rate | 2%-4% monthly |
| Loan Tenure | 90 days to 12 months |
| Eligibility | 18+ |
| Processing Fee | 1% to 5% |
| Support | india@branch.co |
| Helpline | In-app chat only |
3. Pocketly – Instant Loan App for Students
Pocketly is a very popular Small Loan Apps because it provides amounts from ₹1,000 to ₹25,000, which are also considered student loans.
It does not ask for any documents only online KYC is required, and it provides loans to people aged 18–40 years.
Its support system is also very good. Pocketly has been downloaded by 10M users and has a 4.5 rating.
| Loan Details | Information |
|---|---|
| Loan Amount | ₹500 to ₹10,000 |
| Interest Rate | 24% to 36% per annum |
| Loan Tenure | 2 months to 6 months |
| Eligibility | 18–40 |
| Processing Fee | 2% to 4% |
| Support | support@pocketly.in |
| Helpline | 080-4716-1606 |
4. Mobikwik
These personal loan apps for students are suitable for college students and are included under instant loan services.
From these apps, students can easily get instant cash loans ranging from ₹500 to ₹30,000.
All the student loan apps listed here can be applied for within a few minutes using a mobile phone.
Students are required to upload their college ID, complete selfie verification, and add their bank account details.
After successful verification, the loan amount is credited to the bank account within 5–30 mins.
Some of these apps also offer interest-free loans with longer repayment tenure, which you can check in the list below.
| Loan Details | Information |
|---|---|
| Loan Amount | ₹500 to ₹30,000 |
| Interest Rate | 0% to 3% per month |
| Loan Tenure | 7 days to 12 months |
| Eligibility | 18+ College Students |
| Processing Fee | 0–2% |
| Support | support@mobikwik.com |
| Helpline | 0124-6741-741 |
5. Kuhoo - Personal Loan Apps for Students
Kuhoo is a dedicated digital student loan app designed specifically for higher education financing in India. Unlike instant personal loan apps, Kuhoo focuses on education loans and is considered one of the reliable personal loan apps for students seeking funding for higher studies.
Kuhoo student loans can be used for tuition fees, accommodation, books, laptops, and other education-related expenses in India and abroad.
- Loan Amount - Education loans generally start from ₹1 lakh and can go up to ₹1 crore, depending on the course and institute.
- Interest Rate - Annual interest rates are competitive and decided by the lending partner.
- Loan Tenure - Flexible repayment tenure up to 10–15 years, including moratorium period.
- Eligibility - Indian students with confirmed admission; co-applicant required.
- Processing Fee - Depends on the lender and is disclosed before approval.
- Application Process - Fully digital application through the Kuhoo app with document upload.
Kuhoo is not an instant cash loan app. It is a structured education financing platform for students planning higher education.
| Loan Details | Information |
|---|---|
| Loan Amount | ₹50,000 to ₹1,00,00,000 |
| Interest Rate | 8% to 14% p.a. |
| Loan Tenure | 10–15 yrs |
| Eligibility | 18+ Student |
| Processing Fee | As per lender |
| Support | support@kuhoo.in |
| Helpline | 1800-572-6224 |
6. LoanGrid - Low Cibil Score Loan App for Students
Digi LoanGrid is one of the best loan apps for students and salaried individuals in India that helps compare and connect with instant personal loans.
It does not provide loans directly but aggregates offers from multiple banks and NBFCs so users can select the best option.
Loan amounts range from ₹1,000 to ₹10,00,000 with interest rates between 10% to 24% per annum. Tenure is flexible, from 3 months to 60 months, letting borrowers choose repayment periods that suit them.
The process is fully digital and paperless. Users fill basic details, compare offers, and apply directly with the chosen lender. Digi LoanGrid makes loan discovery simple, fast, and reliable.
| Loan Details | Information |
|---|---|
| Loan Amount | ₹1,000 to ₹10,00,000 |
| Interest Rate | 10% to 24% p.a. |
| Loan Tenure | 3 months to 60 months |
| Eligibility | 18+ years |
| Processing Fee | 1% to 3% |
| Support | support@loangrid.in |
| Helpline | 1800-103-5858 |
7. StuCred – Student Loan App
StuCred is recognized as one of the best instant loan apps for students in India, offering interest-free credit up to ₹15,000. Instead of interest, StuCred charges a 6% service fee every 30 days, making it affordable for students.
The platform is specifically designed for college students and helps them build credit scores while still studying. With over 10 lakh students using the service, StuCred has become a trusted name among Indian college students.
The app requires minimal documentation and offers instant approval once verification is complete. Students can access funds within minutes through their linked bank account.
StuCred operates with bank-grade security and is one of the few platforms offering 0% interest rates on student loans in India.
| Loan Details | Information |
|---|---|
| Loan Amount | ₹1000 to ₹15,000 |
| Interest Rate | 0% interest for students |
| Loan Tenure | Flexible repayment |
| Eligibility | 18+ (College ID required) |
| Processing Fee | 6% service fee/30 days |
| Support | support@stucred.com |
| Helpline | 1800-102-5693 |
8. CASHe – Instant Personal Loan App
CASHe is an instant personal loan app best suited for working or part-time earning students. It offers loans up to ₹3,00,000 with interest starting at 2.79% per month. Repayment runs 9 to 18 months, the process is fully digital, and funds reach your bank account within hours of approval.
| Loan Details | Information |
|---|---|
| Loan Amount | Up to ₹3,00,000 |
| Interest Rate | From 2.79% per month (max APR ~48%) |
| Loan Tenure | 9 months to 18 months |
| Eligibility | 18+ years, Indian citizen, salaried (₹40,000+ monthly income) |
| Processing Fee | Deducted upfront + GST (e.g., ₹3,245 on ₹50,000) |
| Support | support@cashe.co.in |
| Helpline | +91 8828553333 |
Best Personal Loan Apps for Students for 7 Days
Sometimes you don't need a long loan, just enough cash to cover 5-7 days until pocket money, scholarship, or part-time salary arrives. These personal loan apps for students for 7 days are built for that exact gap, short tenure, fast approval, and low total cost if repaid on time.
- MobiKwik – Tenure starts from just 7 days, best fit for a short cash gap.
- mPokket – Short repayment window available, easy to close once money comes in.
- LazyPay – Fast disbursal within minutes, repay in a week to keep interest minimal.
- KreditBee – Short-tenure loans for students who need funds only for a few days.
- StuCred – Flexible repayment, no penalty for closing the loan early.
A 7-day loan works best when repayment is certain. Most instant loan apps for students charge daily or monthly interest, so closing the loan the moment funds arrive keeps the total cost low. Never take a 7-day loan if you're not sure the repayment amount will be ready on time, it can lead to late fees and a lower credit score.
Also Read - How to Get a Loan for 7 DaysBest Loan Apps for Students with Low Interest
These are the top personal loan apps for students with lowest interest rates in India.
- StuCred – 0% interest, flat 6% service fee per 30 days
- MobiKwik – 0% interest for new users, repay within 30 days
- SlicePay – 0% interest on short-term loans for first-time users
- KreditBee – starts at 1.4% monthly, no salary proof needed
- LazyPay – starts at 1% monthly, good for small recurring expenses
Always check total repayable amount including processing fees. A low monthly rate with high processing fee can cost more overall.
Best Loan Apps for Students Without Income Proof
Banks reject students with no salary slip. These loan apps for students without income proof approve using student identity instead.
- mPokket – needs college ID, Aadhaar, PAN only. No salary proof, approved in hours
- Pocketly – basic KYC plus student verification, loan in under 10 minutes
- StuCred – college ID is enough to apply, no income document required
- Branch – uses UPI transaction history to assess creditworthiness, no income proof
- KreditBee – approves students with valid college ID, no salary slip needed
All are RBI-registered NBFCs. Aadhaar and PAN are mandatory on every platform.
Best Loan Apps for Students Without Credit Score
No credit history means zero or NA CIBIL score. Banks reject this. These loan apps for students without credit score use internal scoring instead of CIBIL.
- mPokket – internal scoring based on college enrollment and KYC, no CIBIL needed
- StuCred – approves without credit score and reports repayments to bureaus to build your score
- Pocketly – student ID verification replaces credit check entirely
- Branch – uses digital footprint and UPI history, no credit score required
- KreditBee – student category approved without any credit history
These personal loan apps for students report late payments to credit bureaus. One missed EMI creates a negative entry even with no prior score.
Best Loan Apps for Students Without CIBIL Score
CIBIL score 0 or -1 is normal for students. Every bank rejects it. These personal loan apps for students without CIBIL score approve on college enrollment and basic KYC.
- mPokket – India's most downloaded student loan app, 50M+ users with zero credit history
- StuCred – no CIBIL check plus 0% interest, only app offering both together
- RedCarpet – student-first platform, approves on college affiliation only
- GetItNow – no CIBIL, 0% interest, up to ₹10,000 for urgent needs
- Pocketly – no credit history required, quick disbursal for small amounts
Important: Verify any loan app on the RBI official website before uploading Aadhaar or PAN. Only apply on RBI-registered NBFCs. Unregistered apps are illegal and misuse personal data.
Low Cibil Score Loan App for Students
Students can still get a loan even with a low CIBIL score, as these apps focus on basic KYC, bank activity, and repayment capacity instead of credit history.
Apps like mPokket and Branch are designed for users with low or no credit history, offering instant approval with minimal documents.
That’s why getting an instant 10,000 loan for students is possible even with low CIBIL, if you meet basic eligibility and choose the right app.
Best Loan Apps for Students in India Without Salary
Most lending apps ask for a salary account before they even open your application. Students rarely have one, so this filters out almost every regular personal loan option. The apps below skip that requirement entirely and rely on your college ID, Aadhaar, and repayment behaviour instead.
- mPokket – no salary account needed, approval runs on college enrollment and basic KYC
- StuCred – built for students with zero income proof, offers 0% interest on select plans
- Pocketly – accepts college ID in place of salary slips, quick small-ticket disbursal
- Branch – checks UPI and digital transaction history instead of a fixed salary
- KreditBee – has a dedicated student category that skips the salary account check
Since there is no salary to verify, these lenders lean harder on your repayment history and KYC accuracy, so keep your documents updated and avoid multiple applications in a short span, as that alone can lower your approval chances.
Top Apps like mPokket for Students in 2026
If you are looking for apps like mPokket for students, there are several reliable options that provide instant cash without a high CIBIL score. These apps are perfect for student loan urgent requirements.
- StuCred: Best alternative to mPokket with a real-time limit increase.
- KreditBee: Offers higher amounts for students with valid college IDs.
- Sahukar: A simple, paperless app for small emergency needs.
- Fibe: Provides a flexible credit line specifically for young professionals and students.
Safety Tips for Student Borrowers
Students must verify RBI registration and NBFC licensing before applying for any instant loan for students. Legitimate platforms never demand upfront payments or bank passwords during the application process.
Compare interest rates, processing fees, and repayment terms across multiple apps before making a decision. Borrow only for genuine educational needs like tuition fees, books, project expenses, or essential equipment.
Set automatic payment reminders to avoid late fees and build positive credit history. Check app store ratings and user reviews for platform reliability before submitting personal documents.
Read all terms and conditions carefully, especially regarding late payment penalties and foreclosure charges. Never share your OTP or banking credentials with anyone claiming to help with loan approval.
Personal Loan Apps for Students Related FAQs
1. Which App is Best for Students to Take a Loan?
mPokket and KreditBee are best for students offering quick approval, low documents, and instant money transfer.
2. Which App Is Safe For Student Loans?
mPokket, KreditBee, and StuCred are safe as they are operated by RBI-registered NBFCs. Always verify the app on RBI website before applying.
3. Which Is Best Loan App For Students Without Interest?
StuCred offers 0% interest for college students. MobiKwik and SlicePay also offer interest-free short-term loans for new users.
4. How To Get 15000 Rupees Instantly As A Student?
Yes, the Branch App is the best option for a 500 Rs loan. Use trusted apps like KreditBee or LazyPay; complete KYC, apply, and get ₹15,000 within minutes to your account.
5. How To Get 3000 RS Urgently?
Download mPokket or Pocketly app, verify student ID, apply for ₹3000, and receive funds instantly in your wallet.
Conclusion -
Choosing the right personal loan apps for students means checking interest rates, fees, and reliability. These student loan app help manage study expenses easily. Borrow only for genuine needs, compare multiple apps, and build good financial habits for future stability.
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