Smart Loans.Instant Approvals.

Get instant personal loans from ₹500 to ₹50,000 with minimal documentation. Disbursal in few seconds.

✓No collateral required
✓Instant decision
✓100% digital process

9:415G 92%

🎉

Loan approved

₹10,000

Net disbursal · 90-day tenure

✓Ready to accept

Loan statusApproved

Tenure90 days

EMI₹4,533

Est. interest₹3,600

Total payable₹13,600

Processing fee₹0

Illustrative example for a 90-day loan; one EMI on maturity. Final amounts in your KFS in the app.

Our Products

Loans for Every Need

Whether it's personal or business, we've got you covered

Student Loan

Best Choice

For tuition fees, study materials, and skill courses

500 - 20K

Loan Amount

61 - 180 days

Flexible Tenure

Loan extension available up to 180 days

Loan Extension

Applied online instantly
No collateral required
Quick disbursal

Loan Calculator

See your EMI before you apply

Loan Amount

₹5,000

Tenure

Estimated Installment

Total Payable: ₹6,800 • Monthly Charges: ₹1,800

₹2,267

How It Works

Get your loan in 6 simple steps

From eligibility check to disbursal, NeoMoney keeps the process fully digital, quick, and transparent.

Download App

Install the NeoMoney app to begin your digital loan journey.

Complete KYC

2-minute secure verification with Aadhaar and PAN.

Check Eligibility

Instant check with no impact on your credit score.

Choose Loan Plan

Compare tenure options from 61 to 180 days, then pick your best-fit offer.

Get Disbursed

Loan amount is transferred directly to your bank account.

Repay with Ease

Track EMIs in-app and repay on time using auto-pay or UPI.

Digital Lending for Next Generation

Built for today's needs: instant credit, designed to bridge the gap in financial access by offering instant, secure, and flexible lending powered by advanced technology.

Download fromIndus Appstore

NeoMoney

Partner ecosystem

In partnership with RazorpayX, IDFC FIRST Bank, Cashfree & Equifax

Payments stack

Secure collections & payouts on enterprise-grade rails.

Banking partner

IDFC FIRST Bank

Regulated banking backbone for your money movement.

Payment gateway

Cashfree payment gateway

Cashfree supports secure payment gateway flows for smooth digital transactions on NeoMoney.

Credit intelligence

Equifax insights

Bureau-backed checks and credit data to support responsible lending.

Why NeoMoney

Why Choose Us

Built for speed, trust, and clarity—so you borrow with confidence, not confusion.

Short Term Personal Loans

Instant personal needs

Eligible for college students and salaried professionals

Instant KYC

Lightning Fast

Disbursal in just few seconds

Fully Digital Experience

From application to disbursement—fast, secure, and paperless

Minimal Documentation

Just Aadhaar, PAN, bank statement and professional ID

Dedicated Support

Get help via call and email

How does the NeoMoney App work?

Step 1

Get logged in using your mobile number

Step 2

Complete your profile by submitting KYC documents

Step 3

Provide your bank account details

Step 4

Select your preferred loan amount and tenure (61–180 days)

Step 5

Receive instant disbursement directly into your bank account

Transparent pricing

Zero processing fees

Borrow with clarity: what appears in your KFS is what you pay—no last-minute cuts from your disbursal.

Full disbursal to you
You receive the sanctioned amount in your bank account—no surprise deductions masked as processing fees.
No hidden charges
Fees and interest are disclosed upfront in your Key Facts Statement (KFS), in line with RBI digital lending norms.
Transparent at every step
Clear visibility of loan cost, tenure, and repayment schedule before you accept an offer.
Flexible tenure
Repayment windows from 61 to 180 days, designed for short-term personal needs.
Repayment support
Loan extension options where available, so you can manage repayment without unnecessary stress.