Best personal loan apps in India: November 2026
The 10 loan apps in RBI's app directory with the lowest maximum APR on their own Google Play page. Checked 2 Nov 2026; a new edition every month.
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In November 2026, L&T Finance PLANET and Tata Capital state the lowest maximum APR, 26%, followed by IDFC FIRST Bank at 28%. APR is the full yearly cost of a loan, fees included, so it is the fairest number to compare. All ten apps below are in RBI's directory of digital lending apps. We read the Google Play pages of 35 loan apps; 27 state an APR range or maximum.
Picks by what you need
Lowest maximum APR
L&T Finance PLANET and Tata Capital
26% at most, as stated on Google Play
Largest loan
IDFC FIRST Bank
₹20,000 – ₹40 lakh, APR 11% – 28%
Smallest loan
DigiCredit
₹1,000 – ₹50,000, APR up to 36%
Highest Play rating
IDFC FIRST Bank
4.9 stars from 29.6 lakh reviews
The top 10 for November 2026
Figures as each app states them on its Google Play India page, 2 Nov 2026. Lowest maximum APR first.
1. L&T Finance PLANET
APR 11% – 26%
- Loan amount
- ₹50,000 – ₹30 lakh
- Who lends
- L&T Finance
- Play rating
- 4.7 ★ (2.14 lakh reviews)
2. Tata Capital
APR up to 26%
- Loan amount
- ₹5,000 – ₹10 lakh
- Who lends
- Tata Capital Limited
- Play rating
- 4.4 ★ (1.16 lakh reviews)
3. IDFC FIRST Bank
APR 11% – 28%
- Loan amount
- ₹20,000 – ₹40 lakh
- Who lends
- IDFC FIRST Bank Ltd
- Play rating
- 4.9 ★ (29.6 lakh reviews)
4. Tata Neu
APR up to 33%
- Loan amount
- Up to ₹10 lakh
- Who lends
- Tata Capital, Krazybee Services Ltd + 2 more
- Play rating
- 4.1 ★ (3.33 lakh reviews)
5. LazyPay
APR 12% – 36%
- Loan amount
- ₹3,000 – ₹5 lakh
- Who lends
- PayU Finance India Private Limited
- Play rating
- 4.6 ★ (5.94 lakh reviews)
6. Home Credit
APR 19.5% – 36%
- Loan amount
- Up to ₹4.8 lakh
- Who lends
- Home Credit India Finance Private Limited
- Play rating
- 4.6 ★ (7.61 lakh reviews)
7. DigiCredit
APR up to 36%
- Loan amount
- ₹1,000 – ₹50,000
- Who lends
- Khosya Finlease Private Limited
- Play rating
- 4.5 ★ (13.3K reviews)
8. ABCD (Aditya Birla Capital)
APR below 36%
- Loan amount
- ₹5,000 – ₹15 lakh
- Who lends
- Aditya Birla Capital Limited
- Play rating
- 4.4 ★ (37.1K reviews)
9. Fibe
APR 15% – 40%
- Loan amount
- Up to ₹10 lakh
- Who lends
- EarlySalary Services Pvt Ltd, Northern Arc Capital + 11 more
- Play rating
- 4.6 ★ (5.88 lakh reviews)
10. Poonawalla Fincorp
APR 20% – 40%
- Loan amount
- ₹50,000 – ₹5 lakh
- Who lends
- Poonawalla Fincorp Limited
- Play rating
- 4.7 ★ (26.5K reviews)
| # | App | Who lends | Loan amount | APR | Play rating |
|---|---|---|---|---|---|
| 1 | L&T Finance PLANETPlay page, updated 26 Oct 2026 | L&T Finance | ₹50,000 – ₹30 lakh | 11% – 26% | 4.7 ★2.14 lakh reviews |
| 2 | Tata CapitalPlay page, updated 13 Oct 2026 | Tata Capital Limited | ₹5,000 – ₹10 lakh | Up to 26% | 4.4 ★1.16 lakh reviews |
| 3 | IDFC FIRST BankPlay page, updated 28 Oct 2026 | IDFC FIRST Bank Ltd | ₹20,000 – ₹40 lakh | 11% – 28% | 4.9 ★29.6 lakh reviews |
| 4 | Tata NeuPlay page, updated 22 Oct 2026 | Tata Capital, Krazybee Services Ltd + 2 more | Up to ₹10 lakh | Up to 33% | 4.1 ★3.33 lakh reviews |
| 5 | LazyPayPlay page, updated 23 Oct 2026 | PayU Finance India Private Limited | ₹3,000 – ₹5 lakh | 12% – 36% | 4.6 ★5.94 lakh reviews |
| 6 | Home CreditPlay page, updated 28 Oct 2026 | Home Credit India Finance Private Limited | Up to ₹4.8 lakh | 19.5% – 36% | 4.6 ★7.61 lakh reviews |
| 7 | DigiCreditPlay page, updated 13 Oct 2026 | Khosya Finlease Private Limited | ₹1,000 – ₹50,000 | Up to 36% | 4.5 ★13.3K reviews |
| 8 | ABCD (Aditya Birla Capital)Play page, updated 29 Oct 2026 | Aditya Birla Capital Limited | ₹5,000 – ₹15 lakh | Below 36% | 4.4 ★37.1K reviews |
| 9 | FibePlay page, updated 23 Oct 2026 | EarlySalary Services Pvt Ltd, Northern Arc Capital + 11 more | Up to ₹10 lakh | 15% – 40% | 4.6 ★5.88 lakh reviews |
| 10 | Poonawalla FincorpPlay page, updated 23 Oct 2026 | Poonawalla Fincorp Limited | ₹50,000 – ₹5 lakh | 20% – 40% | 4.7 ★26.5K reviews |
Want all 27 apps that state an APR? See every loan app ranked by APR.
What changed since our last check (22 Oct 2026)
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Big apps that don't state a full APR range
RBI requires lenders to show the APR in the Key Facts Statement before you sign. These apps don't show an APR range on their Play page, so we can't rank them; check the APR in your offer.
- Navi (4.5 ★): No interest rate or APR on the listing.
- Kotak 811 (4.7 ★): No interest rate or APR on the listing.
- slice (4.6 ★): No rate range or APR range; one example shows 18% interest.
- Bajaj Finance (4.7 ★): Interest 10% to 30.50% a year; no APR range.
- Paytm (4.7 ★): Interest 10.99% to 35% a year; no APR range.
- Zype (4.6 ★): Interest 18% to 34% a year; no APR range.
- PayMe India (4.4 ★): Interest 18% to 36% a year; its examples show APRs of 34.80% and 98.19%, no range.
- StuCred (4.3 ★): Advertised as 0% interest; its example shows an APR of 113.28%, no range.
How we pick
- Only apps in RBI's directory of digital lending apps (our copy from 2 Nov 2026).
- Every figure is as the app states it on its own Google Play India page, read on 2 Nov 2026.
- Ranked by the maximum APR the app states, lowest first. Ties go to the lower stated minimum, then the higher Play rating.
- Positions come only from these numbers. GoCredit isn't ranked because we publish this page.
Monthly editions
- November 2026 (this page)
Next edition: December 2026.
Not sure which app will approve you?
See loan offers from 100+ RBI-registered lenders in one place.
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Questions about loan apps in November 2026
Which loan app has the lowest interest rate in November 2026?
Which loan app gives the biggest loan?
Are these loan apps RBI-registered?
Why isn’t GoCredit on this list?
How often is this list updated?
Related
- How to choose a personal loan app: our 2026 guide
- APR calculator: the true yearly cost of an offer
- Check whether a loan app is in RBI's directory
Sources
- Each app's Google Play India page, linked in the table, read on 2 Nov 2026.
- RBI circular, 15 Apr 2024: Key Facts Statement (KFS) for Loans & Advances
GoCredit isn't affiliated with these apps; their names are used only to identify them. Figures are as each app states them on 2 Nov 2026 and can change. The rate and amount you're offered depend on your profile.