Personal loans online through our partner lenders
Compare the personal loans our partner lenders list on Innopay Money and apply online with your mobile number. Listings currently run from ₹1,000 to ₹50 lakh, at rates of 12% to 48% a year, repaid over 3 to 36 months.
Lenders and their listed terms
Every lender sets its own range. The table shows each one’s current listing — use it to see which lenders cover the amount and repayment period you have in mind. It is not an offer or a decision on your application.
| Lender | Interest rate (p.a.) | Amount | Tenure (months) | Application fee |
|---|---|---|---|---|
| mPokket | 18% – 36% | ₹1,000 – ₹2 lakh | 6 – 24 | ₹0 |
| Aye Finance | 24% – 29.5% | ₹5,000 – ₹1 lakh | 12 – 30 | ₹0 |
| Innopay Finance(Ramesham Securities & Credit (India) Limited) | 12% – 48% | ₹5,000 – ₹50,000 | 3 – 12 | ₹0 |
| Hero Fincorp | 18% – 30% | ₹50,000 – ₹7 lakh | 12 – 36 | ₹0 |
| Poonawalla Fincorp | 12% – 29% | ₹50,000 – ₹15 lakh | 12 – 36 | ₹0 |
| TATA CAPITAL | 12% – 29% | ₹65,000 – ₹50 lakh | 12 – 36 | ₹0 |
Each lender’s current listing on Innopay Money — not an offer. Your rate, any processing fee and the APR are in the lender’s Key Fact Statement.
How applying works
- Create an account with your mobile number, verified by OTP.
- Choose an amount and a lender whose listed range fits what you need.
- Complete the lender’s steps. Depending on the lender, you continue on Innopay Money, on the lender’s own website, or on its partner journey. Identity verification (KYC) is always part of it.
- Read the Key Fact Statement before you accept. It shows the sanctioned amount, the rate, every charge, the APR and the repayment schedule.
- The lender disburses the loan to your bank account if it approves your application.
What a personal loan costs
Two numbers matter: the interest rate and the APR (annual percentage rate), which adds the lender’s fees to the interest to give the all-in yearly cost. Compare loans on APR, and use the EMI calculator to see what an amount and tenure mean for your monthly budget. More in interest rates and fees.
Borrowing a small amount?
Several partners list amounts well below ₹1 lakh. See small personal loans for which lenders cover ₹10,000, ₹25,000 or ₹50,000, with example EMIs.
Before you apply
Keep your identity documents handy (commonly PAN and Aadhaar) and work out an EMI you can comfortably pay alongside your existing commitments. Our guide to eligibility and documents explains what lenders typically look at.
Create an account with your mobile number, pick an amount and see what our partner lenders offer. The lender decides approval.
Check your optionsFrequently asked questions
Does Innopay Money lend the money?
No. Innopay Money is a Lending Service Provider (LSP). The loan is sanctioned and disbursed by the partner lender named on your offer and in your Key Fact Statement; the lender decides approval, the rate and the terms.
How do I apply?
Create an account with your mobile number (verified by OTP), choose an amount and a lender, and complete the steps that lender requires. For some lenders you finish the application on the lender's own website or partner journey.
Is there an application fee?
Each lender's application fee is shown on this page from its current listing. Any processing fee or other charge a lender applies is shown in its Key Fact Statement, together with the annual percentage rate (APR), before you accept the loan.
Will checking my options affect my credit score?
Reading these pages or using the EMI calculator involves no credit check. When you apply, the lender assesses your creditworthiness, which usually includes looking at your credit report; you are asked for consent before a credit report is fetched.