Best Loan App in India 2025

Instant Personal Loan Online | Credit Card Apply | BNPL

Get Loan Without Documents in 2 Minutes. Compare 50+ Banks & NBFCs.

Apply for instant personal loan without CIBIL check, business loan for small shop, credit card with instant approval, and BNPL pay later. Check loan eligibility free. Trusted by 1 Crore+ Indians. Interest rates from 10.5% p.a.

RBI Regulated Partners
256-bit SSL Secure
4.8/5 (50K+ Reviews)

1 Cr+

Happy Users

50+

Bank Partners

10.5%

Starting Rate

2 Min

Approval Time

50L+

Max Loan Amount

2 Min

Instant Approval

10.5%

Interest Rate

1Cr+

Happy Users

Limited Offer

0% Processing

Personal Loan
Business Loan
Home Loan
Car Loan
Gold Loan
Education Loan
Medical Loan
Credit Cards

Instant Loan App - Personal Loan Online Without Documents

Apply for instant personal loan without CIBIL check, business loan for small shop owners, MSME loan online, and startup loan without collateral. Get fast approval with lowest interest rates from India's top banks and NBFCs. Same day loan disbursal guaranteed.

Personal Loan

Instant personal loan without CIBIL check. Get up to Rs 50 Lakhs with minimal documentation and same day disbursal.

  • Interest from 10.5% p.a.
  • No collateral required
  • 2-minute approval
  • Loan without salary slip

Business Loan

Best business loan for small shop owners and MSMEs. Get working capital loan without collateral.

  • Up to Rs 2 Crore
  • Flexible EMI options
  • Quick 24hr approval
  • No guarantor needed

MSME Loan

MSME loan online apply with instant approval. Government Mudra loan and CGTMSE scheme available.

  • Mudra loan eligible
  • Low interest rates
  • Easy documentation
  • Govt subsidy benefits

Startup Loan

Startup loan without collateral for first-time entrepreneurs. Startup India scheme benefits available.

  • No guarantor needed
  • 12-month moratorium
  • Flexible repayment
  • Startup India benefits

More Loan Types Available:

Gold Loan
Loan Against Property
Two Wheeler Loan
Used Car Loan
Education Loan
Daily EMI Loan
Medical Emergency Loan
Wedding Loan
Home Renovation Loan
Travel Loan

Best Credit Cards in India 2025 - Apply Online with Instant Approval

Compare and apply for lifetime free credit cards, cashback credit cards, travel credit cards, and fuel credit cards with instant approval from HDFC, ICICI, Axis, SBI, Kotak, and more. Get welcome bonus up to Rs 5000.

Most Popular

Cashback Credit Cards

Best cashback credit card in India 2025. Get up to 5% cashback on all purchases with zero annual fee.

Up to 5% unlimited cashback
Zero annual fee for life
Welcome bonus Rs 1000
Best for Travel

Travel Credit Cards

Best travel credit card with free airport lounge access, air miles rewards, and travel insurance.

Free lounge access worldwide
10X air miles rewards
Rs 50L travel insurance
Save on Fuel

Fuel Credit Cards

Best fuel credit card with surcharge waiver. Save up to Rs 3500/month on petrol and diesel.

1% fuel surcharge waiver
5X reward points on fuel
HP, IOCL, BP partner

Shopping Cards

Amazon, Flipkart rewards

Student Cards

No income proof needed

Business Cards

High credit limit

Premium Cards

Exclusive privileges

Lifetime Free Credit Cards
Low Income Credit Cards
Secured Credit Cards
Co-branded Credit Cards
EMI Credit Cards

Buy Now Pay Later (BNPL) - Shop Now Pay Later India

Get instant BNPL credit line for online shopping. Pay later in easy EMIs with 0% interest. Works on Amazon, Flipkart, Myntra, and 10,000+ partner stores. No credit card required.

BNPL - Pay Later

0% Interest EMI Available

  • 0% interest for 3 months
  • No cost EMI conversion
  • 10,000+ partner merchants
  • Instant credit approval
  • Up to Rs 2 Lakh limit

UPI Credit Line

Credit on UPI Payments

  • Pay via UPI using credit
  • Up to Rs 5 Lakh limit
  • 45 days interest-free
  • Works with GPay, PhonePe
  • RBI approved credit line

Zero Balance Bank Account - Open Online Free

Open zero balance savings account, salary account, or current account online with instant approval from top banks. No minimum balance required. 100% digital and paperless.

Zero Balance Account

No minimum balance required

Salary Account

Special benefits for salaried

Current Account

For businesses and traders

Digital Savings

100% digital banking

Free Financial Tools - EMI Calculator, CIBIL Score Check & More

Check loan eligibility free, calculate EMI online, compare interest rates, and get your free CIBIL credit score instantly. Make informed financial decisions.

EMI Calculator

Calculate monthly EMI

Eligibility Check

Check loan eligibility

CIBIL Score

Check credit score free

Rate Comparison

Compare interest rates

Card Comparison

Compare credit cards

AI-Powered Technology

Smart AI Loan Matching - Get Best Loan Offers Instantly

Our AI-powered recommendation engine analyzes your profile to match you with the best loan offers and credit cards with highest approval probability. Compare 50+ banks in seconds.

AI Loan Matching

Personalized loan recommendations based on your income and credit profile

Risk Assessment

AI-based credit scoring and loan approval prediction

Instant Eligibility

Real-time eligibility check across 50+ lenders in 2 minutes

Best Rates

Compare and get lowest interest rates automatically

Frequently Asked Questions - Instant Loan & Credit Card

Get answers to common questions about instant loans, credit cards, BNPL, and more.

How to get instant personal loan without CIBIL check?

BuyNswipe Credit partners with NBFCs that offer loans based on alternative credit scoring using bank statements, UPI transactions, and income proof. You can get instant loans from Rs 10,000 to Rs 5 Lakhs even with low or no CIBIL score. Simply apply online, upload documents, and get approval in 2 minutes.

Which is the best instant loan app in India 2025?

BuyNswipe Credit is one of the best instant loan apps in India, offering loans from 50+ RBI-regulated banks and NBFCs with interest rates starting at 10.5% p.a. Features include 2-minute approval, instant disbursal, zero paperwork, and loan amounts up to Rs 50 Lakhs. Trusted by 1 Crore+ Indians.

How to apply for credit card online with instant approval?

On BuyNswipe Credit, you can compare and apply for credit cards from top banks like HDFC, ICICI, Axis, SBI, and Kotak. Simply enter your details, check eligibility instantly, and get approval within 2 minutes. Lifetime free credit cards and cards for low income individuals also available.

What is BNPL (Buy Now Pay Later) and how does it work?

BNPL (Buy Now Pay Later) allows you to purchase products and pay later in easy EMIs or full amount after a grace period. BuyNswipe Credit offers BNPL with 0% interest for up to 3 months, instant approval, and acceptance at 10,000+ partner merchants including Amazon, Flipkart, and Myntra.

How to check CIBIL score for free online?

Check your CIBIL credit score for free on BuyNswipe Credit. Simply enter your PAN card number and mobile number to get your credit score instantly. We also provide personalized tips to improve your score and loan recommendations based on your credit profile.

What documents are required for instant personal loan?

For instant personal loan on BuyNswipe Credit, you need: Aadhaar card, PAN card, last 3 months bank statement, and salary slips (for salaried). Self-employed individuals need ITR or GST returns. Some NBFCs offer loans without salary slip using UPI transaction history.

How to get business loan for small shop without collateral?

BuyNswipe Credit offers unsecured business loans for small shop owners and MSMEs up to Rs 2 Crore without collateral. Requirements include 2+ years business vintage, GST registration, and last 12 months bank statement. Mudra loan and CGTMSE scheme benefits also available.

What is UPI credit line and how to apply?

UPI credit line is an RBI-approved feature that allows you to make UPI payments using credit instead of your bank balance. Get up to Rs 5 Lakh limit with 45 days interest-free period. Works with Google Pay, PhonePe, and other UPI apps. Apply on BuyNswipe Credit with instant approval.

Why Trust BuyNswipe Credit?

Secure, RBI-compliant, and trusted by millions of Indians

RBI Regulated

256-bit SSL

50+ Bank Partners

ISO 27001

1Cr+ Users

DPIIT Recognized

Trusted Banking and NBFC Partners

HDFC BankICICI BankAxis BankSBIYes BankKotakIndusInd

Ready to Get Instant Loan or Credit Card?

Apply now and get instant approval in 2 minutes. Compare rates from 50+ banks, check eligibility free, and get the best financial products tailored for you.

About BuyNswipe Technology

BuyNswipe Credit is a product of BuyNswipe Technology Pvt. Ltd., a DPIIT-recognized fintech startup incorporated in 2017. We are building India's most trusted AI-driven digital credit marketplace for instant loans, credit cards, BNPL, and smart financial tools.

+91 8171169007
buynswipe@gmail.com
buynswipe.com

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