7 Trusted Loan Apps With The Lowest Fees In 2025
3–4 minutes
Are You Paying Too Much Just To Get a Loan?
“A rupee saved is a rupee earned.” This old saying matters more than ever today.
Many apps charge ₹500 to ₹1,000 just for processing. These small amounts seem okay but they pile up fast. If you’re already in an emergency, paying high fees just makes things worse.
That’s why choosing the right fintech loan app is important. Some apps overcharge. Others hide fees in confusing terms. But a few trusted apps keep it simple and clear.
In this blog, you’ll find 7 trusted loan apps in 2025 that offer the lowest processing charges. They also ensure fast loan disbursal, simple fee structures, and zero hidden costs.
1. MoneyView – Reliable Finance With Clear Pricing
MoneyView is a well-known fintech loan provider in India. It charges low processing fees, starting at 2%.
Why MoneyView works:
- Clear fee structure
- Quick loan disbursal (usually within 24 hours)
- Simple and fast approval
The app is easy to use. You pay what you see. No tricks.
Know More: Apply for Personal Loan with ₹50,000 Salary – Instant Approval
2. KreditBee – Quick Loans With Low Extra Charges
KreditBee offers fintech loans for salaried and self-employed users. Its processing charges are often under 3%.
Key benefits:
- Loans from ₹1,000 to ₹3 lakhs
- Very few extra charges
- Instant approval with flexible EMI
It’s a solid choice for first-time borrowers and young earners.
3. IndusInd Bank – Trusted Banking Meets Low-Cost Loans
IndusInd Bank brings banking trust into the loan app world. It partners with digital platforms to offer instant cash loans.
What you get:
- Flat processing charges, starting at ₹499
- No extra charges on prepayment
- Good approval chances for salaried users
It blends the trust of a bank with the speed of fintech.
4. mPokket – Instant Cash for Students and Freshers
mPokket is popular among students and new job holders. Its fees are small and easy to understand.
Highlights:
- Charges between ₹50 to ₹200
- Direct loan disbursal to bank or wallet
- No guarantor or heavy documents
It’s perfect if you need small instant cash help.
Find Out: Personal Loan with ₹40,000 Salary – Apply Online Up to ₹5 Lakh
5. Unity – New-Age Lending With Fair Pricing
Unity is a new-age small finance bank. It focuses on clean terms and smart borrowing.
Why Unity fits:
- Fees from just 1.5%
- Same-day loan disbursal
- No hidden extra charges
If you want speed and clarity, Unity is a strong pick.
6. VivaMoney – Low Fees, High Speed
VivaMoney believes in fair pricing and quick service. It charges less than 2.5%, based on your profile.
Features:
- Loans up to ₹5 lakhs in 48 hours
- No shock fees during repayment
- Easy tracking inside the app
It’s great for users who want control and comfort.
View More: Best Apps to Get Money Instantly
7. Flot – Simple Loans With No Confusion
Flot gives short- and mid-sized loans with zero hidden costs.
What’s good about Flot:
- Flat processing charges
- No pre-closure penalty
- Friendly customer support
If you prefer honesty over hype, Flot fits well.
Conclusion – Go Smart With Trusted Loan Apps
High processing charges quietly eat into your loan. But now you know which loan apps charge less and work fast.
These 7 apps offer easy loan disbursal, fair pricing, and no nasty surprises. They also help you avoid extra charges that add to stress.
And if you want a smarter way to borrow, try WeCredit—a trusted loan aggregator. It brings offers from multiple lenders onto one platform. You can compare, check the full fee structure, and apply—all in one place.
Stay informed. Borrow smart. Save more.
Note: Charges may differ based on your profile and loan amount. The details shared here are for guidance only. Always check the app’s terms before applying.
