In India, while student life is full of surprise tests, it also has a lot of surprising and unforeseen expenses. However, in this fast-paced world, speedy loans come to the rescue. In this blog post, we’ll explore the world of instant loan apps for students in India, exclusively for Indian students, to help you understand how you can secure quick cash when you need it the most.

What Are Instant Loan Apps?

Instant loan apps are your fast-track solution to small but urgent financial needs. For example, a mobile app that allows you to borrow money within minutes with minimal documents eliminatating the lengthy approval processes associated with traditional banks. However, there are apps that are specifically designed for college students in India, with just a college ID card as the mandatory document. Amazing, isn’t it?

Top Instant Loan Apps for Students:

Stucred Real time student credit

  • StuCred is an instant loan app for students in India with a 0% rate of interest.
  • The StuCred android app is user-friendly; whether it’s quick cash through instant loans or long-term financial planning, StuCred offers solutions tailored for college students.
  • You will find extraordinary special features like a simple 3-step loan application process and credit extension options, which can be used if you cannot repay your loan on time.

Download the Stucred app today to explore your options. You can apply for quick loan process by accessing this mobile app:


KreditBee is a platform that facilitates loan transactions between borrowers and personal loan providers such as NBFCs/Banks. All loan applications are approved and sanctioned by the NBFCs/Banks registered with the RBI. Rate of Interest starts at 16% & goes up to 29.9%.


MoneyTap is a Credit Line and Instant Personal Loan App in India. Its provides approval for a credit line of up to ₹5,00,000 & rate of interest starts at 12%.


SlicePay is a digital payment platform which was founded with a mission to simplify payments for the young. Slicepay’s rate of Interest starts at 13%.

Advantages of Instant Loan Apps

  • Speedy Approval: As the name suggests, these apps offer swift approval, getting you the money you need within hours or even minutes.
  • Minimal Documentation: Forget about stacks of paperwork. These apps often require minimal documentation.
  • Convenience: With user-friendly interfaces and mobile apps, you can apply for loans from the comfort of your own space.

Instant loan app for students in India : What You Need to Know

  • Interest Rates: Compare the interest rates offered by these apps to ensure you’re getting a deal that fits your budget.
  • Repayment Terms: Check the repayment options and choose one that suits your financial situation.
  • Eligibility Criteria: Make sure you meet the app’s eligibility requirements, including age and documentation.
  • Borrow Responsibly: Before diving into instant loans, remember to borrow responsibly.
  • Only borrow what you need: Plan your repayment carefully to avoid financial stress.
  • Make sure you understand all terms and conditions before accepting the loan.
  • Stay vigilant against fraudulent apps. Stick to RBI regulated lending platforms.

One of the most recommended RBI regulated Instant loan app for students in India is StuCred. StuCred is transparent & dedicated in providing you a very seamless credit journey which offers quick loans to college students across India.

Why StuCred over any other credit lending platforms for college students?

  • StuCred is the only credit lending app that is particularly designed for only college students in India.
  • The interface is user-friendly, as simple as applying for credit just by uploading the college ID card.
  • Extension period is another add on. Since it’s for college students, this feature can be your best-friend.
  • Don’t worry about passing out of college. StuCred has an Alumni feature that is going to be by your side even though you are not a current college student anymore.
    *NOTE – You are only eligible to be a StuCred alumni if you’re a current college student who is a StuCred user. This is only applicable for StuCred users.

To conclude, these instant loan apps for students in India are a lifeline for those in need of quick cash. With easy-to-use interfaces and swift approval processes, these apps like StuCred can be your go-to solution for financial emergencies. However, it’s crucial to use them responsibly and make informed decisions about your financial future.