The best app for a personal loan depends on your needs, but some top-rated options in India stand out for speed, flexibility, and affordability. Navi is popular for low interest rates starting from 9.9% p.a. and fully digital processing with loans up to ₹20 lakh. KreditBee and CASHe are great for quick, short-term loans with minimal documentation, while MoneyTap offers a flexible credit line where you pay interest only on the amount used. PaySense is ideal for salaried borrowers with EMI-friendly options, and Fibe (EarlySalary) caters well to young professionals. Always compare rates and terms before applying.