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Instant Cash Loans, Personal Loans, Online Loan, Instant Personal Loans First Instant Loan App in India Key features Loan amount: 8,000 - 5 lacs Loan in just 10 minutes Tenure: 3 - 24 months 100% digital process Minimal paperwork Minimum household income*: 3 lacs No collateral required No pre-closure charges Learn how personal loan 2.0 could help you. Get a Personal Loan in quick time. Apply Now . We have ranked the best instant personal loan apps companies on the basis of the following factors: Minimum Interest Rate: We have taken the companies providing loans at an interest rate of around 1%. Founded by Sayali Karanjkar and Prashanth Ranganathan in 2015.