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Digital lending apps that let you apply with your Aadhaar card are becoming mainstream these days. They use your identity details to speed up approval while keeping documentation light. Here are the top 10 apps you should consider this year.
lendingplate acts as a platform where you can check multiple loan options and apply using your Aadhaar details. It helps you compare potential loan offers from registered partners, giving you choices that match your income and credit profile. The app focuses on transparency and guided application rather than heavy paperwork.
| Detail | Information |
|---|---|
| App Type | Digital personal loan platform |
| Loan Amount | Rs. 10,000 to Rs. 2,50,000 |
| Interest Rates | 12–36% |
MoneyView lets you take a personal loan by completing Aadhaar & PAN e-KYC online with flexible loan limits up to Rs. 10 lakh. Approvals as well as disbursals often happen within a day if you meet eligibility. Interest rates start from the lower teens, depending on your credit profile alongside lender criteria.
| Detail | Information |
|---|---|
| Loan Amount | Rs. 5,000 to Rs. 10,00,000 |
| Interest Rates (Approx) | From around 14% per annum (p.a.) with partner lenders |
| Documentation | Aadhaar, PAN, income proof |
| Key Feature | Quick online application |
Navi is a well-known digital lender that lets you apply digitally for personal loans using Aadhaar and other basic documents. Its interest rates are competitive. The interest rate usually ranges from 2% - 3.75% for each month for qualified borrowers. The app uses digital verification for quick loan decisions and often supports flexible repayment plans.
| Detail | Information |
|---|---|
| Loan Amount | Rs. 10,000 to Rs. 20,00,000 |
| Interest Rates (Approx) | Starting around 2% p.a., subject to eligibility |
| Documentation | Aadhaar, PAN, income proof |
| Key Feature | Large loan range |
Finnable appears on RBI-approved loan app lists with personal loan interest rates starting in the high teens. It focuses on quick digital applications and flexible loan use depending on your credit strength.
| Detail | Information |
|---|---|
| Loan Type | Digital personal loan access |
| Interest Rates (Approx) | Around 16% p.a. as per public lists |
| Key Feature | Online application process |
| Documentation | Aadhaar, basic KYC |
Bajaj Finserv is a lending platform that has become quite popular these days. You can apply using your Aadhaar card, backed by an NBFC regulated by the RBI. The RBI approved loan apps in India support large loan amounts well above standard personal needs and offer repayment flexibility. Disbursals may take a day or two, depending on verification.
| Detail | Information |
|---|---|
| Loan Amount | Rs. 5,000 up to several lakhs |
| Interest Rates (Approx) | Usually starts from 9.5% based on profile as well as tenure |
| Documentation | Aadhaar, income proof |
| Key Feature | High loan limits |
DigiMoney offers fast digital loan access with Aadhaar-based e-KYC. Official interest numbers are not publicly published, but similar short-term loan apps generally price rates in the mid-teens to low-30s p.a., depending on your lender partner and credit history.
| Detail | Information |
|---|---|
| Loan Type | Digital loan facility |
| Interest Rates | Short-term loan range within 12–24% |
| Documentation | Aadhaar, KYC |
| Key Feature | Simple digital loan initiation |
PhonePe Loan connects you with lenders when you apply within the PhonePe app. You complete Aadhaar verification and receive personalised offers from partners. The interest depends on who eventually funds your loan, and it usually fits industry norms for instant personal loans.
| Detail | Information |
|---|---|
| Loan Type | Personal loan via PhonePe ecosystem |
| Interest Rates | Varies by lending partner in short-term loan brackets |
| Documentation | Aadhaar, PAN |
| Key Feature | Integration with payments app |
TrueMoney’s personal loan offering uses Aadhaar and basic KYC to assess eligibility. While exact official rates are not clearly published, industry data places similar providers’ rates within a 25–35% p.a. band, varying by tenure and risk.
| Detail | Information |
|---|---|
| Loan Type | Short-term digital loan |
| Interest Rates | Typically in the higher short-term range (public industry averages) |
| Documentation | Aadhaar verification |
| Key Feature | Mobile-first process |
Stashfin lets you borrow without collateral using Aadhaar and simple KYC. Its rates start in the low teens for qualifying profiles and go higher based on your credit history. Repayment terms vary; shorter tenures may cost more in interest overall.
| Detail | Information |
|---|---|
| Loan Amount | Small to medium personal loan |
| Interest Rates (Approx) | Roughly 1.75% – 3.25% p.a. or more, depending on profile |
| Documentation | Aadhaar, identity proof |
| Key Feature | Flexible loan options |
CASHe is a popular instant loan app with online processes and fast e-KYC using Aadhaar. It typically charges higher interest than traditional personal loans if you take short-term credit, often structured per month and converted to annual rates.
| Detail | Information |
|---|---|
| Loan Amount | Small to medium loan range |
| Interest Rates (Approx) | 2.79% up to 3% per month depending on public sources |
| Documentation | Aadhaar, basic KYC |
| Key Feature | Quick approval |
Aadhar card loan apps share core traits that make them easy to use. They depend on your Aadhaar details and basic KYC to cut down paperwork and speed up loan decisions.
1. Get Instant Approval - These apps use automated credit checks on your Aadhaar and related documents. You usually hear back in minutes or a few hours, not days.
2. No Hefty Documents Required - You typically use your Aadhaar and PAN. Many apps complete verification online without physical copies.
3. Loan Amounts Are Flexible - You choose a loan size based on your needs, from a few thousand rupees to larger sums, depending on the provider.
4. 24/7 Accessibility Digitally - You can apply anytime from your phone or web browser. No visits to branches, and no waiting lists.
5. Credit Assessment - Apps assess your credit history, income details and risk profile digitally. This helps them decide your eligibility quickly.
Applying for an online loan is straightforward if you follow the steps below. Most require you to use Aadhaar e-KYC and some basic details.
Step 1- Download Or Open App
Search for the official Aadhar loan app download and install from a trusted source, like Google Play or the official site.
Step 2- Register With Aadhaar
Enter your Aadhaar number and complete digital verification. This is how apps confirm your identity.
Step 3- Provide Personal Details
Fill in income, bank account, contact and PAN details when asked. The process remains paperless.
Step 4- Select Loan Option
Choose how much you need or your repayment term clearly. The app should show eligible offers depending on your profile.
Step 5- Accept Terms And Disburse
Once you agree to the loan terms, sign electronically. If approved by the Aadhar loan app, the money reaches your bank account.
Choosing the right Aadhar card personal loan app can save you time and effort when you need a loan.
These apps let you apply digitally, complete Aadhar card loan app verification quickly and view multiple offers. Interest rates may differ. Compare them based on your financial scenarios before you accept the loan. Staying informed protects your finances while helping you pick the best path for your needs.
It is generally safe when the personal loan app partners with RBI-registered lenders & follows data protection norms. Always use official app stores and check if the app discloses its NBFC partner clearly.
They are legal as long as they work with RBI-registered NBFCs or banks. Look for official lender names as well as transparent interest rates. Make sure to check clear terms before you apply.
Interest rates vary widely by provider. Some start around 9.9% p.a. for qualified borrowers, while others charge higher monthly or annual rates depending on risk and tenure.
Reputable apps disclose processing fees, late payment penalties and all charges before you accept. Always read the loan agreement carefully.
You can use a different Aadhar card loan app, but you should be careful. Multiple active loans can impact your credit score. They make repayments harder. Evaluate your repayment ability before applying to several apps.
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Unifinz Capital India Limited is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). lendingplate is the brand name under which the company conducts its lending operations and specialises in meeting customer’s instant financial needs.
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