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What is Moneyview Instant Personal Loan?
Moneyview is a trusted digital lending app in India. It offers quick personal loans without paperwork or bank visits. Launched in 2014 by Whizdm Innovations Private Limited, Moneyview connects borrowers with partner NBFCs for fast funds. KreditBee App: Instant Personal Loans 2026 Up to ₹10 Lakhs with Rates Starting at 12%
In 2026, Moneyview remains a top choice for instant loans. You can get amounts from ₹5,000 to ₹10 Lakhs. The process is 100% online – apply from your phone and get money in your bank account often the same day.
Moneyview suits salaried people, self-employed individuals, and first-time borrowers. It uses AI to check eligibility quickly. Loans are unsecured – no collateral or guarantor needed. The app is available on Android and iOS with high ratings (4.5+ on Google Play from millions of users).
Moneyview focuses on responsible lending. It provides EMI calculators, repayment reminders, and transparent fees. Partner lenders include Fullerton India, InCred, and others – all RBI-regulated for safety.
Why Choose Moneyview in 2026?
Moneyview stands out for speed and ease. Apply anytime, get approved in minutes. Funds come fast – perfect for emergencies like medical bills, education fees, or home repairs.
Interest rates start at 14% p.a., which is competitive. Processing fees are low (from 2%). Compared to other apps, Moneyview offers better rates for good credit profiles and flexible tenures.
It’s inclusive: minimum income is ₹25,000 monthly. Even moderate credit scores can qualify (though rates may be higher). The app’s tools help you plan EMIs and track loans easily.
In 2026, with rising costs, Moneyview’s flexi loans let you borrow only what you need. You pay interest only on the used amount – great for saving money.
Main Benefits of Moneyview Loans
- Fast approval and same-day disbursal.
- Low starting interest rates (14% p.a.).
- No collateral or guarantor.
- Easy application with minimal documents.
- Tools like EMI calculator and repayment tracking.
Quick Comparison Table
| Feature | Moneyview | Traditional Banks | Other Instant Apps |
|---|---|---|---|
| Disbursal Time | Minutes to hours | Days to weeks | Hours to days |
| Interest Rate | 14-36% p.a. | 10-15% p.a. | 18-36% p.a. |
| Processing Fee | 2%+ | Varies | 3-6%+ |
| Documentation | Minimal | Heavy | Similar |
| Collateral | No | Often yes | No |
Key Features of Moneyview Loans
Moneyview offers simple, flexible loans.
Personal Loans
- Amount: ₹5,000 to ₹10 Lakhs.
- Purpose: Any need (medical, education, travel, etc.).
- Tenure: 3 to 60 months.
- Interest: 14% to 36% p.a. (monthly 1.16%+).
Flexi Personal Loans
Borrow as required. Pay interest only on the used amount – saves costs.
Processing Fee and Other Charges
- Processing fee: Starts at 2% of loan amount.
- Late fee: 2% per month on overdue EMI.
- No prepayment penalty after initial period.
Loan Features Table
| Feature | Details |
|---|---|
| Loan Amount | ₹5,000 – ₹10 Lakhs |
| Interest Rate | 14-36% p.a. |
| Tenure | 3-60 months |
| Processing Fee | 2%+ |
| Disbursal Time | Same day / 24 hours |
Extra Tools
- EMI calculator in the app.
- Auto-debit via e-NACH.
- Real-time loan status tracking.
Who Can Get a Moneyview Loan? Eligibility Explained
Moneyview keeps eligibility simple to help more people.
Basic Eligibility Rules
- Indian citizen.
- Age: 21 to 57 years.
- Minimum monthly income: ₹25,000 (in-hand, bank-credited).
- Credit score: 650+ preferred (lower scores possible).
- Employment: Salaried or self-employed with stable income.
- Location: Available pan-India (strong in South India).
For self-employed: Show ITR or bank statements.
Interest Rates and Fees in Detail
Rates are personalized based on credit, income, and tenure.
Interest Rate Breakdown
- Good credit: 14-18% p.a.
- Average credit: 18-24% p.a.
- Lower credit: 24-36% p.a.
Processing fee: 2% or more + GST. Late payment charges: 2% per month.
Interest Rate Examples Table
| Profile | Rate Range | Example EMI (₹50,000, 12 months) |
|---|---|---|
| Excellent | 14-18% | ₹4,400-₹4,600 |
| Average | 18-24% | ₹4,600-₹5,000 |
| Lower | 24-36% | ₹5,000-₹5,500 |
Step-by-Step: How to Apply for Moneyview Loan
The entire process is online and quick.
Simple Application Steps
- Download the Moneyview app from Play Store or App Store.
- Sign up with your mobile number (OTP verification).
- Enter basic details: PAN, Aadhaar, income, and bank info.
- Upload documents digitally (e-sign with Aadhaar).
- Check your eligibility and offers.
- Select loan amount and tenure.
- Complete e-NACH mandate for auto-repayment.
- Funds are credited to your bank account.
Track everything in the app – no branch visit needed.
Documents You Need for Moneyview Loan
Moneyview asks for very few documents – all digital.
Required Documents List
- PAN Card (for ID and tax).
- Aadhaar Card (for KYC and address).
- Bank statements (last 3-6 months for income proof).
- Salary slips (for salaried applicants).
- ITR or GST returns (for self-employed).
- Recent photo or selfie (for verification).
How Moneyview Works with Other Features
Moneyview partners with NBFCs like Fullerton India and InCred. It integrates UPI and e-NACH for easy repayments. Loans help build your CIBIL score with timely payments.
Who Provides the Loans?
Moneyview partners with RBI-regulated NBFCs and banks.
Real Benefits for Borrowers
- Get cash fast for emergencies.
- Build credit history with on-time EMIs.
- Flexible for people with moderate income.
- Clear app experience with no hidden surprises.
Common Challenges and Smart Tips
Some users face higher rates if credit is low. Verification can take a bit longer sometimes. Tips: Keep a good CIBIL score. Use the EMI calculator first. Repay early if you can.
Tips for Safe Borrowing
- Borrow only what you truly need.
- Plan your budget for EMIs.
- Avoid taking multiple loans at once.
Costs and What You Actually Pay
Example: ₹50,000 loan at 18% p.a. for 12 months. EMI ≈ ₹4,582. Total interest ≈ ₹4,984.
Simple Cost Breakdown Table
| Item | Details |
|---|---|
| Processing Fee | 2% or more + GST |
| Interest | 14-36% p.a. |
| Late Fee | 2% per month on overdue EMI |
| Prepayment | Free after initial period |
Real User Stories
Many people say Moneyview helped them during tough times – like paying hospital bills or buying a laptop. Reviews highlight fast approvals and easy app use.
What to Expect in 2026
Moneyview keeps improving with better AI for approvals. Rates may drop with market changes. More features for self-employed users.
Final Thoughts
Moneyview is a solid option for instant personal loans in 2026. With good rates, fast process, and easy access, it helps millions handle urgent needs. Download the app, check your eligibility, and see if it fits you.
FAQ Section
What is Moneyview?
A digital app for quick personal loans.
Maximum Loan Amount?
Up to ₹10 Lakhs.
Starting Interest Rate?
14% per annum.
Minimum Monthly Salary?
₹25,000.
Documents Needed?
PAN, Aadhaar, bank statements.
Processing Fee?
Starts at 2%.
Tenure Options?
3 to 60 months.
For Self-Employed?
Yes, with income proof.
Disbursal Time?
Same day or within 24 hours.
Customer Support?
In-app chat and helpline.
Quick FAQ Table
| Question | Answer |
|---|---|
| Max Loan | ₹10 Lakhs |
| Rates | 14%+ p.a. |
| Eligibility | 21-57 years, ₹25K income |
| Documents | PAN, Aadhaar |
| Fee | 2%+ |
| Tenure | 3-60 months |
| Disbursal | Fast |
| Self-Employed | Yes |
| Support | App/Helpline |
| Collateral | No |
Disclaimer
This article is for informational purposes only and is based on publicly available data as of January 2026. Interest rates, fees, eligibility, and terms may change without notice. Moneyview is not a bank; loans are provided by partner NBFCs. Always verify details on the official Moneyview app or website. Borrow responsibly – loans can affect your credit score. Consult a financial advisor for personalized advice.