Money View Personal Loan App | Personal Loan Apply

Apply for a personal loan or a job, explore great offers, earn & redeem points.

Buddy Loan is not just an instant personal loan app but a one-stop solution that helps you in searching and applying for your dream job, exploring a plethora of deals and offers from brands of all sectors, and earning and redeeming points for exciting products – in addition letting you apply for an online personal loan in the most seamless manner.

It’s safe, instant and reliable!

Buddy Loan brings to you a wide pool of personal loan providers. With this, you can be rest assured to be granted a personal loan instantly, when you are in need to meet your personal financing goals. 

Buddy Loan Advantages

Personal loan amount can range from Rs. 10,000 to Rs. 15 lakhs

Interest rate starts at 11.99% p.a.

Minimum and maximum tenure can be from 6 months to 5 years

With a no-questions asked policy, you are free to use the funds to meet any of your financial requirements.

Representative Example: 

For ₹1,00,000 borrowed for 1 year, with interest rate @13% per annum*, a user would pay:

Processing fee (@ 2%) = ₹2,000 + GST = ₹2,360

(Line setup fee of ₹499+GST = ₹588/- to be paid before starting the credit line)

Interest = ₹7,181

EMI = ₹8,932

Total amount to be repaid after a year = ₹1,10,129/-

*Interest Rate varies based on your risk profile

The maximum Annual Interest Rate (APR) can go up to 36%

(However, only a fraction of our customers get an interest rate higher than 30% pa)Best Loan App for Instant Personal Loan upto 1Lakh for 91 days to 24m at 2-3% pm

NIRA personal loan app offers you personal loans of up to Rs.1,00,000 in partnership with various RBI regulated NBFCs/Banks. 

Important Things to Note About NIRA Loan App 

Loan Amount: Rs 5,000 to Rs 1,00,000 

Minimum Annual Percentage Rate (APR): 24%, Maximum Annual Percentage Rate: 36% (reducing balance) 

Minimum repayment period: 91 days, Maximum repayment period: 24 months 

Processing Fees: Max (₹350 + GST, Up to 2%-7% of loan amount plus GST) 

Prepayment Fees: 3.0% prepayment amount 

Late fee: In case overdue exceeds 30 days, you'll be charged Rs.500. Maximum late fee charged would be Rs.1000 if overdue exceeds 90 days. Your bank may also levy charges in case of a bounce. 

A representative example of the total cost of the loan: 

✔ Amount Borrowed (Principal) = ₹14,999/- 

✔ Interest Rate (APR) = 36% (on Reducing Principal Balance interest calculation)

✔ Tenure = 6 months 

✔ Processing Fee (incl. GST) = ₹826

✔ Amount disbursed = ₹14,173

✔ Your EMI amount = ₹2769 (based on PMT method, sample monthly payment) 

✔ Interest amount = ₹2769 x 6 - ₹14999 = ₹1614(sample interest calculation)

✔ Late Fee = ₹0 if paid on time 

✔ Total Cost of Loan = Processing Fee + Interest Amount + Late Fee = ₹826 + ₹1614= ₹2440

✔ Principal repayment amount = ₹14,999/- (same as amount borrowed)

✔ Total repayment amount = Principal repayment amount + Interest Amount + Fee = ₹14,999 + ₹1614 + ₹0 = ₹16,613

Why NIRA personal loan app?

1. Repay in affordable EMIs of 3 to 24 months

2. Get money in bank account in 24 hrs

Eligibility Criteria:

1. Salaried with min income of Rs.12,000 per month

2. Age between 22-59 years

Responsible Lending

NIRA has partnered with RBI authorized & regulated NBFCs/Financial Institutions. List of our lending partners - https://nirafinance.com/#partners

Our policies and services are fully regulated and legally compliant. We are a member of Digital Lenders Association of India http://bit.ly/DLAI_Mem and adhere to the DLAI code of conduct http://bit.ly/DLAI_C

For users more comfortable with Hindi :-

💥 NIRA se aapko mil sakta hai Personal Loan Rs.5000 se Rs.1,00,000 tak . Bas Personal Loan App Download kare kuch details dalen, documents upload karen aur payein loan, approval ke 24-48 ghanton mein.100% digital loan application process. 💥

Steps for availing an Instant Personal Loan from NIRA :

1. Fill quick application form on our app. Receive loan approval decision on qualification instantly.

2. Once you qualify, upload

3 months bank statements

Most recent payslip

Aadhaar card (you can e-sign your loan agreement in our Aadhar Card Loan App)

PAN card

Selfie

3. Get instant cash in your bank a/c and Money tap away

Our Instant Loans are safe:

Your data is transferred over a secure HTTPS connection, and we do not share it with anyone without your consent. All the transactions are secured via a 256-bit SSL encryption.

Our app requires some permissions to provide you a loan in a fast and easy manner.We need access to your User Account data such as name and email to auto fill your application and help you login. We also need access to your financial sms to enrich credit profile, auto read otp and give the best instant personal loan. We need access to your location to verify your address. We require permission to access your contacts to get references for your loan application. For easy upload of documents in the app, we require access to Camera and Photo Gallery. We also need access to your device info to prevent misuse by any other individual. To understand how we collect and use your data in detail, please read our privacy policy

Personal loan app for salaried people. Quick credit approval with low interest

MoneyTap is a Credit Line and Instant Personal Loan App in India. Get Instant approval for a credit line of up to ₹5,00,000 & pay interest only on the amount you withdraw from your balance.
Our Interest rates starting from as low as 13% per annum* for 3 to 36 months. Interest payable on the exact loan amount used from your approved credit line.

→ Salaried employees only. Minimum salary = ₹30,000 per month

Special Offer: Select customers in 1200+ cities can now get up to Rs. 10,000 @ 0% interest from MoneyTap.

We aim to provide better services than Indian banks and the flexibility of getting a line of credit that can be used as an early salary.

What features make MoneyTap the best instant personal loan app in India?

● Borrow any amount or sum of money (starting at ₹3,000) from your approved Credit Line (of up to ₹5 Lakh)
● Pay interest only on the amount you use
● Instant personal loan without any risk
● Make UPI transactions from your credit line
● Fully digital, paperless experience
● Select your own flexible EMIs & pay later

How is MoneyTap online instant personal loan app different from any other bank loan in India?

MoneyTap credit line is better than a traditional bank loan. You are charged interest only for the amount you borrow.

For example: Ajay applies for a MoneyTap Instant Personal Loan (credit line) in January, gets an approved credit line of ₹5,00,000 but doesn’t borrow any money from the approved line for the next 5 months.
In May, he withdrew ₹50,000 from his credit limit to pay for a house deposit. Now, the interest will only be charged on ₹50,000. Ajay still has access to ₹4,50,000 whenever he has another emergency without paying any interest on it until he withdraws any amount.

Fees

For ₹1,00,000 personal loan borrowed for 1 year, with interest rate @13% per annum*, a user would pay:

- Processing fee (at 2%) = ₹2,000 + GST = ₹2,360
- Line setup fee of ₹499+GST = ₹588/- to be paid before starting the credit line
- Interest = ₹7,181
- EMI = ₹8,932

Total amount to pay later after a year = ₹1,10,129/-
*Interest Rate varies based on your risk profile.
The maximum Annual Interest Rate can go up to 36% (However, only a fraction of our customers get an interest rate higher than 30% per annum)

Documents required

● Aadhaar number
● Identity proof (Driving licence/Voter ID/Passport/Aadhaar/PAN)
● Address proof (Driving licence/Voter ID/Passport/Aadhaar/Utility bills/bank statements)
● Passport-sized photo/Selfie
● You can get a personal loan online on your Aadhaar card. E-sign your application with registered mobile OTP for fast-tracked application

We are India’s first credit line based instant personal loan app. We have partnered with regulated financial institutions in India, governed by RBI, & leading Indian banks and NBFCs. We own a NBFC licence as well. So, we're well regulated and legally compliant.

How does MoneyTap work?

Get an instant personal loan in 3 simple steps:

● Log on to the MoneyTap credit line app, enter information such as age, city, PAN, and income, and check your eligibility
● Complete KYC verification, submit documents online
● Transfer money to the bank account from the approved amount

Available in 85+ cities.

MoneyTap Personal Loan Application Uses

● Phone pe loan - use it as an urgent online personal loan or as an advance salary
● Personal loan for marriage, wedding expenses, etc.
● Loan for renovation of home, for mobile, for a laptop, used car, two wheeler, education, medical, etc.
● Use money with zest as your lazy pay, credit card, or cash
● The experience of an early salary loan app for emergency cash
● Whenever you need money view us the perfect solution

Bonus: MoneyTap RBL credit card

● 100% cash withdrawal from your credit card online
● 50-days interest-free period

Security & Protection of Privacy

Our backend APIs comply with mandated security standards & robust protocols, which have been tested and certified by our partner bank’s IT team.

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