NIRA Instant Personal Loan App

Safe Loan App for Instant Personal Loan upto 1Lakh for 91 days to 24m at 2-3% pm

Price

FreeGooglePlay

In-App PurchaseNo

Shows AdsNo

LaunchedApr 23, 2018

Store Categories

Applications|Finance

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Need cash? NIRA offers quick, low-interest personal loans! Unlock easy access to low-interest loan from Loan app

Key Features of the NIRA Loan App:
🌟 Instant Loan Amount: Borrow money swiftly, ranging from small online loans at Rs 5,000 to a maximum of Rs 1,50,000.
🌟 Processing Fees: Maximum of (Rs 350 + GST) or 2%-7% of the loan amount plus GST.
🌟 Flexible Repayment: Repay cash loan through the EMI loan app over 3 to 24 months.
🌟 Competitive APR: Enjoy competitive Annual Percentage Rates (APR) ranging from a minimum of 24% to a maximum of 36% (reducing balance). 🌟 Prepayment Flexibility: No prepayment fees within 7 days of disbursement with our online personal loan app; up to 4% prepayment fee applies after 7 days.
🌟 Late Payment Policy: No extra fees for up to 30 days of late payments with our loan repayment app; beyond 30 days, a nominal late fee of Rs. 500 may apply.

A representative example of the total cost of the loan:
✔ Amount Borrowed (Principal) = ₹14,999/- ✔ Interest Rate (APR) = 36% (on Reducing Principal Balance interest calculation)
✔ Tenure = 6 months
✔ Processing Fee (incl. GST) = ₹826
✔ Amount disbursed = ₹14,173
✔ Your EMI amount = ₹2769 (based on PMT method, sample monthly payment)
✔ Interest amount = ₹2769 x 6 - ₹14999 = ₹1614(sample interest calculation) ✔ Late Fee = ₹0 if paid on time
✔ Total Cost of Loan = Processing Fee + Interest Amount + Late Fee = ₹826 + ₹1614= ₹2440
✔ Principal repayment amount = ₹14,999/- (same as amount borrowed)
✔ Total repayment amount = Principal repayment amount + Interest Amount + Fee = ₹14,999 + ₹1614 + ₹0 = ₹16,613

Our Trusted Lending Partners:

We collaborate with respected NBFCs such as:
• Muthoot Finance Limited
• IIFL Finance Limited
• HDB Financial Services Limited
• PayU Finance India Private Limited
• Northern Arc Capital Limited
• Komac Investments & Finance Private Limited

Policies and Services:
As proud members of the Digital Lenders Association of India (DLAI) https://www.dlai.in/members-listing/, we adhere to the DLAI code of conduct. http://bit.ly/DLAI_C

How to Get an Instant Personal Loan from NIRA:
1. To apply for a loan online, you need to meet the criteria: A minimum monthly salary of Rs. 15,000 and an age range of 22 to 59 years.
2. Receive an instant cash loan in your bank account through the online cash loan app with just a few taps.

Discover the Safest Online Instant Loan App:

We prioritize the safety of your personal information in our instant loans online app. We use robust 256-bit SSL encryption to safeguard your financial transactions. Our loan app streamlines the borrowing process for your convenience. For fast loan online service and flexi personal loans for self-employed individuals, we request specific permissions. Following are the permissions we required:
📞 User Account Data Access: Access to your name and email to facilitate your online loan application and login automatically.
📲 Financial SMS Access: Access to your financial SMS messages enriches your credit profile, assists in auto-reading OTPs, and helps offer the best instant personal loan options.
⭕ Location Verification: Permission to verify your location for correct address details and to process the loan application accurately.
🏪 Contact Access: Access to your contacts helps streamline the loan application process by gathering references.
📄 Document Upload Convenience: Access to your camera and photo gallery for easy document uploads within the app.
📶 Device Information: Access to your device information to prevent misuse by unauthorized individuals.

Privacy Policy
For info on how our loan app collects and uses data, please refer to our privacy policy available. https://nirafinance.com/privacy-policy

Feel secure with us as our collections code of conduct adheres to the highest standards: http://bit.ly/NIRA_Collections
Contact us at support@nirafinance.com.

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Releasing updates every about 2 months on average. Last update 14 days ago.

7.8.0Mar 17, 2025

7.7.9Dec 16, 2024

7.7.8Oct 15, 2024

7.7.6Oct 15, 2024

7.7.4Sep 04, 2024

7.7.3Sep 04, 2024

7.7.0Aug 14, 2024

7.6.8Jul 03, 2024

7.6.6Jun 05, 2024

7.6.2May 13, 2024

7.6.1Apr 14, 2024

7.6.0Mar 28, 2024

7.5.9Mar 02, 2024

7.5.7Feb 08, 2024

7.5.6Feb 08, 2024

7.5.3Jan 23, 2024

7.5.2Jan 03, 2024

7.5.1Dec 19, 2023

7.4.8Dec 04, 2023

7.4.7Nov 14, 2023

✅ Automatic bank verification
🏦New NBFC for fast disbursal
✅ Bug fixes and improvements

7.4.6Nov 01, 2023

7.4.1Aug 16, 2023

🤳🏻 Easy Selfie
✅ Bug fixes and improvements

7.3.8Jul 20, 2023

🛅 Enhanced Data Safety
✅ Bug fixes and improvements

7.3.7Jun 24, 2023

7.2.6May 25, 2023

🏦 Higher chance with new NBFC for very fast disbursal
✨Early re-apply for higher loan amount
💸Extra bonus limits
😍New App logo
✅ Bug fixes and improvements

7.2.4May 25, 2023

🏦 New NBFC for very fast disbursal
🤳🏻 Reach customer support directly from app
✅ Bug fixes and improvements

7.2.3May 08, 2023

🏦 Automatic bank verification using Penny Transfer
✅ Fast document upload

7.2.2Apr 05, 2023

✨ Easy selfie & doc upload
📱 Fast KYC
✅ Easy auto emi payment

7.1.6Mar 08, 2023

✅ Detailed break-down of processing fee and EMIs
✨ Improved KYC for fast disbursal
✅ Easy and fast bank verification using Penny Transfer

6.9.4 Jun 30, 2022

6.6.7Sep 29, 2021

💁🏻Instant answers to your most common queries
💡Learn important finance tips as you use the NIRA loan app
✨Retry auto-debit option after failure

6.6.5Sep 07, 2021

📞 OTP on Call
✅ Zero preclosure charges
📊 Refer and earn rewards of value to you
✅ bug fixes and improvement

6.6.4Aug 07, 2021

✨ new start up theme
⚒️ new utility features
✅ bug fixes

6.6.2Jul 16, 2021

✅ bank statement upload assist
✨ more updates on disbursals
✅ improve app update

6.6.1Jun 30, 2021

✨Easy reapply and repay EMI
🏁 Live updates on loan disbursal
🎁 All new refer & earn
✅ Easy bank statement upload

6.6.0Jun 15, 2021

✅ Bug fixes

6.5.9Jun 04, 2021

✨Easy bank statement upload
📅 Set EMI reminders
✅Balance check
👍Easy QR code scanner
✅ Bug fixes

6.5.8May 30, 2021

✨Seamless file upload
New referral reward 💸
Clear message on reapply
✅ Bug fixes

6.5.7May 20, 2021

🏦 Upto 24 months Loans with New lending partners

6.5.5May 04, 2021

🏦 New lending partner Muthoot Finance

6.5.3Apr 28, 2021

🏦 New lending partner Muthoot Finance

6.5.2Apr 11, 2021

🏦 Easily select your bank for statement upload
✨ Simpler upload of additional docs
✅ Easier KYC

6.5.0Mar 27, 2021

💸 New Refer & Earn 🚀
📅 Easily repay EMI in parts
✅ Bug fixes and improvements!

6.4.8Mar 15, 2021

🆕 New bank partner with attractive interest rates (2%pm)
⚡Quick & easy job verification
🚀 Faster disbursal process on loan app after approval

6.4.7Feb 25, 2021

🚀 Fast document upload in the loan app
🗓Now repay EMIs via PayU payment gateway
✅ Smoother online loan KYC
⚡Faster signing of eMandate
✅Bug fixes and improvements

6.4.5Feb 18, 2021

✅ New lending partner with longer repayment months
✨ Minimum loan starting Rs.5000
🚀 Easily upload all loan document in the app
✨ Easy to find your bank name in the loan app

6.4.4Jan 08, 2021

🚦Instant credit score check
💳 Free credit report summary inside the app

6.2.6Jun 30, 2020

New improved user experience.
Killed some bugs in this release.

6.2.5Jun 27, 2020

New improved user experience.
Killed some bugs in this release.

6.2.4May 31, 2020

New improved user experience.
Killed some bugs in this release.

6.2.3Apr 21, 2020

New improved user experience.
Killed some bugs in this release.

6.2.2Apr 17, 2020

New improved user experience.
Killed some bugs in this release.

6.2.1Mar 28, 2020

New improved user experience.
Killed some bugs in this release.

6.1.5Mar 05, 2020

6.1.4Jan 14, 2020

New Aadhar Card scanner in app - Process on loan app is simpler than ever before
Now you can get a personal loan in all Indian cities, auto detection of Pincode
Seamless and improved initial eligibility test with only 4 questions

6.1.3Dec 24, 2019

6.1.2Nov 27, 2019

- New Payment Gateway to help you pay your Loan EMIs easily
- Uploading docs for loan approval verification made simpler

6.1.1Oct 25, 2019

New improved user experience.
Killed some bugs in this release.

5.7.6Oct 24, 2019

New improved user experience.
Fixed bugs

5.7.5Oct 15, 2019

Now buy your favorite products on Flipkart and Amazon at no cost EMI*
New languages added: Hindi, Kannada, Telugu, Marathi and Bengali
Refer your friends to NIRA and earn reward even more conveniently
Added more security to the login by making it a six digit instead of four digit OTP
Easily access our support in loan disbursal stage via chat

5.7.3Oct 03, 2019

5.7.2Sep 20, 2019

5.7.0Sep 19, 2019

5.6.0Sep 05, 2019

5.5.0Aug 27, 2019

Varies with deviceAug 27, 2019

5.4.0Aug 19, 2019

5.2.0Aug 18, 2019

5.1.0Aug 06, 2019

4.8.0Aug 05, 2019

4.7.0Jul 19, 2019

4.6.0Jul 15, 2019

4.5.0Jul 13, 2019

4.4.0Jun 27, 2019

4.3.0Jun 25, 2019

4.2.0Jun 24, 2019

4.1.0Jun 19, 2019

4.0.0Jun 12, 2019

3.0.9Jun 10, 2019

3.0.8May 30, 2019

3.0.7May 23, 2019

3.0.6May 17, 2019

3.0.5May 07, 2019

3.0.4Apr 27, 2019

3.0.3Apr 22, 2019