Instant Cash Loan in 1 hour 2022

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Instant Cash Loan in 1 hour 2022 Highlights

Do you need cash on an urgent basis ✔ Afinoz provides you instant cash loan approval in 1 hour in India ✔ Quick Disbursal ✔ 0% processing fee ✔ Instant Online Approval ✔ Apply now at Afinoz.


Money has become the most important factor to live a life with comfort. People often degrade it by calling money “the root of all evil”. They have said it so much that it has become an “urban myth”. The same people will blatantly say “NO” when you ask to lend some money. In a time of need, you often go to banks to borrow personal loans. As the personal loan process isn’t as fast as these banks claim it to be, you often feel frustrated and hopeless in such times. And being that doesn’t help a bit. 

When you have a very urgent money requirement, you just can’t rely on banks. For such times, many NBFCs provide instant cash loans in 1 hour in India. We get it that it sounds absurd. But what is not. So, if you’re in need, avail Instant Cash Loan in an hour in India from one of these financial institutions. Below, we have mentioned various immediate cash loans app in India.

Top Instant Cash Loan Apps in India

In the table given below, you can see the top instant cash loan apps in India. Apps that have been mentioned in the table is not in any order. Each one of them has different benefits like reasonable interest rates, quicker loan approval, etc. 

NBFCs/P2P Lenders

Rate of Interest (p.a.)

Processing Charge


Up to 35.99%

Up to 5.00% of the loan amount


Up to 24.03%

Up to 2.00% + GST


Up to 18%



Up to 27.6%

Up to 2.5% of the loan amount


Up to 36%

Up to 3% of the loan amount


Up to 36%

 ₹ 650 /-


Up to 24%

2.00% + applicable Taxes on the Loan


Up to 15.30%

0.51% of the total loan amount, Minimum of ₹ 500/-

Indiabulls Dhani


3% Onwards

Money view

16.00 %

Starting from 2.5% of the approved loan amount

Shubh Loans

Up to 24%



Up to 28.00 %

Up to 8.50% of the loan amount


Up to 25.00 %

Up to 6.00% of the loan amount

MI Credit

16.00 %

1.99% + GST

Realme PaySa

Up to 36%



18.00% to 24.00%

 ₹  2,000 or 4% of the loan amount (excluding taxes)


Up to 36%

For Term Loan: 2.00% per month or minimum ₹ 100 + GST

For Card: ₹ 750 + Taxes (GST)


22.00% onwards

Up to 2.00%


Up to13.00%

Up to 2.00% + GST

Smart coin

20% – 36% APR NA


11.99 – 59.99% APR NA


15% – 32% P.A NA


12% – 18% P.A. NA

Let’s discuss these apps one by one. 

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FlexSalary – Instant Cash Loans and Salary Advance

FlexSalary is an instant loan app which lends instant cash loan on behalf of Vivifi India Finance Pvt. Limited. It covers various expenses that arise before the salary day. It lends cash loans to individuals having bad credit score too. The metric for approving loan depends on factors like monthly income of the applicant, repayment history, etc. The best thing about FlexSalary is it lends cash loan within an hour and for that, this NBFC charges only up to 3% per month. 

You can easily avail of this loan by downloading the FlexSalary app from Google PlayStore/Appstore and filling up the instant personal loan application. 

Benefits of FlexSalary

  • Easy to apply – FlexSalary doesn’t ask for vague details. One can apply for an instant cash loan within few minutes. All you have to do is sign up in the FlexSalary mobile app and apply for an instant cash loan. 
  • Know your eligibility instantly – Say goodbye to loan anxiety by checking your eligibility with the FlexSalary eligibility calculator. Once you fill in the details, this NBFC will quickly check your eligibility and let you know if you’re eligible or not. 
  • Loan approval within an hour – To cover up expenses that come at the time of emergency, FlexSalary has developed a system through which it approves loan within an hour. 
  • Loan disbursal in bank account – Once your loan application is approved, you will be transferred the sanctioned loan amount in your account. Unlike traditional banks, FlexSalary disburses the loan amount within an hour. 
  • No fixed EMIs, pay as per your convenience – With FlexSalary, you won’t have committed to fixed EMI. You can repay the loan amount at your convenience. 

Eligibility Criteria for FlexSalary

  1. Applicant should be Indian and his/her age should be more than 21 years. 
  2. To avail FlexSalary loan, borrower must have a valid bank account and ID proof. 
  3. His/her monthly income should be a minimum of Rs. 8,000.

MoneyinMinutes – Payday Loans

Just like its name says, MoneyinMinutes lends payday loans within 5 minutes. The entire process is online and one can easily avail loan amount up to Rs. 11 Lacs by downloading the MoneyinMinutes app from Google Playstore. As this NBFC lends loan within 5 minutes, the interest rate is slightly high. It charges the rate of interest of 0.1% per day onwards. 

Benefits of MoneyinMinutes

  • Savings on loan – When you avail loan from MoneyinMinutes, you avail a secret to save your money. MoneyinMinutes provides attractive cashback and deduction in interest rate when you successfully repay the loan amount. 
  • Instant fund approval and disbursal – As your needs are urgent, this NBFC won’t ask you to wait for forever to approve and disburse the loan amount. The entire process takes only 5-10 minutes which makes this NBFC the best when it comes to approval and disbursal time. 
  • Online application – The entire process is online. You can easily apply for cash loan with MoneyinMinutes by filling a very simple online application form. 
  • Easy to meet eligibility criteria – You won’t be asked to move a mountain to avail loan. The eligibility criteria is set by keeping the urgency of instant loan in mind. 

Eligibility Criteria for MoneyinMinutes

  1. Anyone who is above 18 can avail instant cash loan from this NBFC.
  2. To be eligible, you must have a minimum salary of Rs. 10,000. 

Credy - Fast Online Instant Personal Loan App

Credy is a Bangalore based Non-Banking Financial Company (NBFC). To provide financial assistance to people in need, Credy lends instant personal loan up to Rs. 1 Lac. After disbursal, borrowers get 1 year to repay the loan amount. Despite being a non-banking company, Credy Interest Rate is at par with any nationalized bank interest rates in India. Credy charges an interest rate of 1% onwards per month. 

Benefits of Credy

  • Fast Disbursal within 24 hours – What makes Credy different than others is its approval and disbursal time for cash loan. Credy approves cash loan within a minute and disburses the loan amount within 24 hours. By doing so, it ensured that those who are in desperate need can avail funds instantly.
  • Reasonable interest rate - Unlike other instant loans, Credy interest rate is way lower. This NBFC charges 1% onwards interest rate on the sanctioned loan amount. 
  • Option to avail top-up loan – If you make payment on time and maintain a good relationship with Credy, you can easily avail top-up loan from this NBFC.
  • Rewards on referral and early payment – Apart from loan amount up to Rs. 1 Lac, Credy also provides various benefits to its customers. You can earn rewards of wide range by making payment on time. You also get additional benefits when you refer this app to one of your family member or friends. 

Eligibility Criteria for Credy 

  1. To be eligible, one must have a minimum salary of Rs. 15,000. 
  2. He/she should have a valid Aadhar Card.
  3. One can only avail instant cash loan in 1 hour in Mumbai, Pune, Bengaluru, Chennai, and Hyderabad.

Home Credit - Instant Personal Loan App

When it comes to top instant cash loan app, home credit just can’t be ignored. Being a force in the reckoning, Home Credit lends instant personal loan up to Rs. 2,40,000. You can avail it for various reasons. As cash loan is just another name for personal loan, Home Credit won’t track the end-usage of the loan amount. Use it for medical emergency or to buy your favorite electronics with Home Credit Personal Loan. 

Benefits of Home Credit

  • Easy to apply – You can easily apply for the instant personal loan with Home Credit with the help of its mobile app as well as through its website. The entire process is paperless.
  • Multiple repayment option – You can repay the borrowed personal loan amount through various channels like mobile app, PayTm, PayU, Axis Bank, etc. 
  • 100% loan approval rate – As Home Credit understands the urgency of instant personal loan, the approval rate is 100%. It means once you apply, you will be sanctioned personal loan amount for sure. 
  • No processing fees – Home Credit charges zero processing fees on personal loan online.

Eligibility Criteria for Home Credit

  1. The applicant must be above 19 years old. 
  2. He/she should have a steady source of income.
  3. He/she should have a valid Aadhar Card. 

Top Instant Cash Loan Lenders in India (non-app based)

Instant Cash Loan Lenders

Key Features

Loan Amount

Approval Time


Interest Rate


  1. Flexible loan tenure
  2. Low processing fee
  3. Impeccable customer support

From Rs. 5,000 to Rs. 1 Lac

Within 15 minutes, the loan amount is disbursed within half an hour of approval.

Citizens residing in Mumbai, Delhi, Kolkata, and Hyderabad can avail instant cash loan from Loanwalle. 

As per the applicant’s profile.


  1. Low-interest rate on loan amount
  2. Zero hidden charges

Instant approval and disbursal

From Rs. 25,000 to Rs. 5 Lacs

Within an hour

  1. Applicant must be above 21 years with valid Aadhar Card.
  2. He/she should have registered for instant cash loan from the official website. 

As per applicant’s profile

When to avail Instant Cash Loan in India?

Availing an instant loan isn’t an easy task in India. The traditional financial institutions like banks do provide personal loan instantly but for that, they take at least 2 days to disburse your loan amount. When in need, people just cannot wait for 2 days and delay their expenses. For such times, there are various companies as well as NBFCs which provide personal loan instantly. And what we mean by instantly is they provide personal loan within an hour. 

To compensate for the risk factor, they charge ridiculously high-interest rate on the sanctioned loan amount. To make instant cash loan in 1 hour in India easy for you, we have come up with few tips on when to avail instant cash loan in India. They are – 

  • When you’re in desperate need and aren’t able to arrange funds from anywhere else, avail instant cash loan from one of the lenders mentioned above. 
  • When you’re sure about paying the entire loan amount in one go and don’t bother about interest rate if you fail to do so, avail cash loan instantly with NBFCs mentioned above. 

Avail Instant Personal Loan with Afinoz

If you’re shying away from availing a personal loan from the NBFCs mentioned above, you can take the traditional way and apply for a personal loans with Afinoz. Understanding the customer’s concern, we approve personal loan instantly.

Afinoz is a marketplace for a wide range of financial products. You can avail a personal loans for expenses that you can’t cover with your monthly income. You can avail business loan to maximize the potential of your business. With our EMI calculators, you can say goodbye to your loan anxiety. And by using our Afinoz Personal Loan Eligibility Calculator,

you can check your eligibility instantly. 



Apart from that, we also provide up to Rs. 5,000 cashback on disbursed personal loan amount. It means you will be recovering your processing fee that you need to pay for availing loan from any bank. Get in touch with us. 

How to apply instant personal loan

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