- Loan Amount: Rs. 5,000 to Rs. 1,00,000
- Interest rate: Starting from 24% p.a.
- Tenure: Ranging from 3 to 12 months
- Processing fee: Up to 6% of the loan amount
- Disbursal time: Within 24 hours
PAISABAZAAR PARTNER

InstaMoney Loan App 2026: Interest Rate
InstaMoney loan app offers instant personal loans up to Rs. 1 lakh with a tenure of up to 12 months. One can check eligibility for a personal loan on the app in as little as 2 minutes.
Paisabazaar Promise
Instant Personal Loan
Get up to ₹50 Lakhs starting at 9.99%
Interest Rate
24% Onwards
Processing Time
Instant
Processing Fee
6%
Max Loan Amount
₹1 Lakh
4.5/5
15.8L Reviews
6Cr+Satisfied Customers
30+Lending Partners
₹65k Cr+Loans Disbursed
InstaMoney Loan: Key Highlights
₹
5K1Cr
1Yrs7Yrs
Processing TimeInstant
Interest Rate24%
Processing Fee6%
Max Loan Amount₹1 Lakh
EMI₹0
What is the InstaMoney Loan App and How Does It Work?
InstaMoney Interest Rate & Charges 2026
InstaMoney personal loan interest rate ranges from 24% to 48% p.a., depending on credit score and lender’s assessment of the borrower. The processing fees range from 0% to 6% of the loan amount. Multiple factors can affect the interest rate of the instant personal loan, including
Also Check the personal loan interest rates for all lenders at Paisabazaar Marketplace
InstaMoney Loan Eligibility Criteria
The eligibility criteria for InstaMoney Personal Loan are given below:
Note: First-time borrowers with no credit history can also apply for InstaMoney Personal Loan, subject to income verification.
Calculate the personal loan eligibility for all Banks & NBFCs
Can I get an InstaMoney loan with a low CIBIL score?
Lenders usually prefer a credit score of 760 and above for personal loans in India in 2026. However, a score below that can still get you a personal loan, but at higher interest rates.
Documents Required for InstaMoney Loan
For the InstaMoney Personal Loan, no physical documentation is needed. You just need to provide basic details, including:
How to Apply for InstaMoney Loan Online
Follow the steps mentioned below to apply for an InstaMoney loan online:
How to Repay InstaMoney Loan
InstaMoney Customer Care Number, Email & Grievance Redressal
You can contact InstaMoney by email at cs@instamoney.app or through its in-app help and self-service portal.
| Channel | Details |
|---|---|
| Customer support email | cs@instamoney.app |
| Self-service help portal | support-instamoney.freshdesk.com (pre-disbursal, EMI and refunds, post-disbursal, closure and NOC) |
| Grievance Redressal Officer | Mr. Vishal Poddar, grievances@instamoney.app |
| Grievance response time | Within 15 working days (Mon–Fri, 9:30 am – 5:30 pm) |
| Registered office | Roctogen Services Pvt Ltd, Gala-2, CTS No 141 Kuber Chambers, Datta Mandir Rd, Malad East, Mumbai 400097 |
Is InstaMoney Safe and RBI Approved? (Real or Fake?)
Yes, InstaMoney is safe and works with RBI-registered NBFCs. It has over 30 million users and has processed more than Rs. 18,000 crore in loans.
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Pre-approved Offers with Instant Disbursals
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FAQs
Is InstaMoney loan app safe?
Yes, the InstaMoney loan app is safe to use.
Is InstaMoney approved by the RBI?
No, InstaMoney is not approved by the RBI, but it works with RBI -approved NBFCs.
Is InstaMoney real or fake?
InstaMoney is a genuine digital lending platform with over 30 million users.
What is the InstaMoney loan interest rate?
InstaMoney Personal loan interest rates start from 24% p.a.
How much loan can I get from InstaMoney?
You can get a maximum loan of Rs. 1,00,000 from InstaMoney.
How long does InstaMoney take to disburse a loan?
One can get the loan disbursed in as little as 24 hours, subject to the approval conditions and eligibility requirements.
Personal Loan Articles
View All ArticlesDisclaimer
Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001
Get up to ₹50 Lakhs starting at 9.99%*
Get up to ₹50 Lakhs starting at 9.99%*





