🔥Top 10 Student Loan Apps In India 2023 | List Of Student Loan Apps🔥

There are so many students that need financial help to continue their educational journey but the saddest part is only a few of them actually get any financial help during emergency times. The rest, suffer.

It's time to talk about some apps that give loans to students, coz student finance is important. All students should have the access to personal finance facilities to deal with any kind of educational emergency.


Top 10 Student Loan Apps In india
Student Loan Apps In India


Top 10 Student Loan Apps In India:


Welcome guys, if you are a student and want to learn about how to take a student loan or student loan kaise le, kaise le sakte hai or student loan kaise milte ha, etc then guys you are in the right place. 

Here in this article, I will expose the top 10 student loan apps in India and I will also provide the loan details so that you can decide where you will get your loan. 

There are many applications in the Google Play Store that claims to be student loan app but most of them are fake, just data-collecting apps that steal your data. 

Finding the best apps that give loans to students is a tough job and if you install a fake loan app you might put yourself in danger.

You might want to know about which is the best student loan app in India, but today I am going to tell you about the top 10 Student loan apps in India where you can apply for a student loan at low interest without any adhar or pan card. 

If you are a college or university student and don't have any income source then don't worry you can get a student loan for your education purpose or any other needs.

Today I am going to give you the top 10 list of student loan apps in India where a student can apply for an instant loan.


Also ReadTop 50 Instant Loan Apps List


List Of Student Loan Apps:


The list of top 10 Student Loan Apps In India 2022 - Low-interest student loan apps in India.

1. StuCred
2. Student Credit 
3. PayCrunch 
4. Student Loan 
5. Campusdunia 
6. Students Loans
7. EduLoans 
8. Pocketly 
9. Student Loan Pro
10. Student Cash

You don't need any salary slips or income proof documents. Without any cibil score, any student can get an instant loan online with the help of these apps. 

Nowadays it's very easy for a student to get a personal loan online without any cibil score or income proof.

Below are the top 10 best instant loan apps that give loans to students. As a student, you must have a valid national or international student ID card with a number.

As a guarantor, you can also use your parent's adhar and pan card to take a high amount of loans if you don't have your adhar and pan card yet. 

If you don't have a bank account then you can get your loan amount in your relative's or friend's bank account too.

All of the below-listed student loan apps offer min 500 rupees to max 10000 rupees as an instant loan upon successful identity card verification. 

The interest rate will be between 5% to 25% depending on loan type and amount. The loan repayment period in these student loan apps will be quite flexible upto 3 months. Some platforms even provide loans at zero percent interest rates for students.

All student loan apps that are listed below are available on the google play store to download. If you want to download any of the below-given student loan apps then click on it to download directly from the google play store to ensure the best security and authenticity.


Quick Watch - Top 10 Student Loan App List 


Let's Start with our top 10 students loan apps list - 


1. Stucred Student Loan App

Stucred Student Loan App Review
Stucred Student Loan App 

Stucred is said to be the best personal loan app in India for college or university students as it is the most popular and most used student loan app that is used by millions of students all over India. 

You can apply for an instant education loan as low as 1000 rupees with only your student ID card within minutes.

This loan app provides easy interest-free loans for students to empower students and there is no requirement for any credit score or income proof. 

All Indian students having valid student ID cards can apply for a loan in this app. Stucred is India's most trusted credit loan app for students that gives real-time loans.


Loan Amount: Min Rs 1000 - Max Rs 10000

Interest Rate: 0% Interest rate 

Loan Tenure: 60 Days To 90 Days 

Loan Approval Rate: Upto 70%


2. Student Credit Instant Loan

Student Credit Instant Loan
StudentCredit Loan App

StudentCredit instant loan app is one of the top student loan apps in India since 2018 and provides student loan services all over the country via their android app. 

This student credit loan app provides low-interest loans for students with flexible repayment periods and without any collateral or cibil score.

Indian students can apply for an easy education loan in this loan app with just a few clicks to cover their education expenses. Student credit is a must-try loan app for students in India.

This app continuously increases your loan limit as you complete your current loan. As students, you will mostly get upto 3000 cash for the first time.


Loan Amount: 500 rupees to 10000 Rupees 

Interest Rate: 1% - 3% Per Month 

Loan Tenure: 3 months 

Loan Approval Rate: Upto 65%


3. PayCrunch Student Credits

PayCrunch Student Credits Loan App
PayCrunch Student Credits Loan App

When it comes to the best loan app for students in India we can't ignore the pay crunch student credits loan app because it offers high amounts of loans to college students without any cibil score. 

But you must have a bank account to receive loans. If you don't have a bank account then you can use your parent's bank account to get loans. 

For taking a high amount of loan in the pay crunch loan app you have to submit your parent's documents as an alternative. Pay crunch loan app is a UPI-based credit line app for Indian students.

More than 10 thousand people have used the PayCrunch Student Credit loan app and this app is a must-have for students who want to take a loan. Also, refer friends to earn cash rewards.


Loan Amount: 500 rupees to 10000 Rupees 

Interest Rate: 5% - 25% Annually 

Loan Tenure: 1 week to 3 months 

Loan Approval Rate: Upto 75%


4. Student Loan Online Student

Student Loan App
Student loan app

Student loan online is a new student loan app in India. This application offers guides about how to take various types of education loans to pay tuition fees or buy books. 

A student with a student Id card can apply for an education loan in minutes. This application doesn't require any special permissions also. 

Student loan app offers low-interest loans for Indian students but the loan repayment period is quite short. This app will guide you in detail about how you can take a loan online with your student ID card.

This is where you should try to get your student loan in case of loan rejection in previous apps.


Loan Amount: 500 rupees to 5000 Rupees 

Interest Rate: 2% - 25%

Loan Tenure: 1 week to 3 months 

Loan Approval Rate: Upto 70%


5. Campus Dunia Student Loan

Campus Duniya Student Loan App
Campus Duniya Student Loan 

When it comes to the best loan apps for students in India campus dunia is one of the latest newly released student credit loan apps in current time. 

A college or university student can apply for upto 10000 rupees of an instant loan without any physical documentation with only pan card.

The campusdunia student loan app provides easy-to-take loans for needy students to cover their educational expenses, or to help empower students financially. 

So in case of student loan requirements, you can try out this campus dunia student loan app as it is the latest new instant loan app for students in India.


Loan Amount: 500 rupees to 10000 Rupees 

Interest Rate: 5% - 14%

Loan Tenure: 1 month to 3 months

Loan Approval Rate: Upto 60%


6. Student Loan Online Loan

Student Loan online loan
Student Loan Online Loan


This is another new app that gives loans to students in India. This is a new loan app for students who want to apply for a student education loan online with digital documentation.

Student loan app offers loans up to 10000 rupees for college-going students with no credit score. You can apply for a loan within minutes in this student loan app.

This is one of the new loan apps for college students who need financial help to pursue their educational journey. This app is one of the best loan apps for students without a civil score.


Loan Amount: 1000 rupees to 10000 Rupees 

Interest Rate: 6% - 2%

Loan Tenure: 30 days to 3 months 

Loan Approval Rate: Upto 70%


7. EduLoans Apply Education Loan 

Student loan app
EduLoans app


EduLoans is one of the best loan apps for students with a low-interest rate. This app provides small education loans to needy students without any cibil score or income proof. 

If you are looking forward to a low-interest student loan app then the EduLoans application can surely help you to achieve your loan with the lowest interest possible.

You can apply up to 10k personal credit with flexible repayment options completely online within hours. 

Eduloans app provides loans all over India and doesn't need any special permissions. This app is safe and provides good customer service 24/7 from Monday to Saturday.


Loan Amount: 500 rupees to 5000 Rupees 

Interest Rate: 3% - 21%

Loan Tenure: 1 month to 3 months 

Loan Approval Rate: Upto 80%


8. Pocketly Loan App

Pocketly Loan App For Students
Pocketly Loan App


Pocketly is an instant loan app in India that offers student credit facilities in India. Usually, pocketly provides instant personal loans but if you are a college-going student, you can apply for an instant loan with your student ID card. 

Pocketly is a popular instant loan application in India as it has over 1 lakh users and with a 4-star google play store rating this app is making some noise. Pocketly is one of the best Instant loan apps that give loans to students.

Many students have already taken loans from pocketly and successfully repaid them without any serious issues. Does pocketly is a reliable loan app to consider? 


Loan Amount: 1000 rupees to 10000 Rupees 

Interest Rate: 8% - 23%

Loan Tenure: 2 months to 6 months 

Loan Approval Rate: Upto 80%


9. Student Loans App

Student loans app in india
Student Loans App

If you are under 18 and want to apply for a student loan without any cibil score then this student loan app might be the best solution for you. Student loans app offers quick student credit services all over India.

The student loans app is a newly released student loan app in India and it is available on the google play store to download. This application will guide you on how to take an under-18 student loan in India within hours.

This student loan app provides step-by-step guides about loan taking process so that you can get an instant student loan without any problems. 

This app also guides you about how to repay your student loan or how to request loan forgiveness for your student loan.


Loan Amount: 500 rupees to 10000 Rupees 

Interest Rate: 5% - 18%

Loan Tenure: 1 week to 3 months 

Loan Approval Rate: Upto 50%


10. Student Cash

Student Cash Loan app
Student Cash Loan App


Student Cash loan app is one of the new student finance applications that is available on the google play store to download for free. Student cash claims to become the best app for student loans soon.

Student cash is one of the latest new applications that give loans to students and it is one of the newest student loan applications for android users in India 2022.

You can apply for a student loan with your student ID card, this app loans for students at a low interest. This app also has step-by-step guides about how to take a student loan in India.


Loan Amount: 1000 rupees to 10000 Rupees 

Interest Rate: 4% - 22%

Loan Tenure: 1 week to 3 months 

Loan Approval Rate: Upto 60%


Also ReadTop 10 Best Loan Apps List


That's all in today's top ten student loan apps in India list, hope you guys loved this post. Do share this post with your friends and on social media to express support for this blog. Also for any issues, questions, or suggestions feel free to write in the comments.


People Also Ask,


Student Loan Kaise Le Sakte Hain? Study loan kaise milte hain?

Student loan ya to study ke liye loan lena bht hi asan hai, agar apko Janna hai ki student loan kaise liya jata hai, ya to student loan kaise milte hain then download any of above listed student loan apps and apply for a student loan. Applying in loan apps is one way to borrow student loans.


What is the best app for a student loan?

Currently, the Stucred loan app can be considered as the best student loan app in India because it offers interest-free loans of up to 10000 rupees for college students, with a motive to empower student finance.


How does a student loan work? What is a student loan?

A student loan is when a student borrows money from government institutions or a private lender in order to pay for college, university, or any kind of other educational expenses. The student loan has to be paid back later, along with the interest that builds up over time. The money can usually be used for tuition, hostels, books, or other fees related to education. A student loan is mostly paid for a duration of 3 months to 1 year by most providers.


What do student loans include? What can I do with my student loan?

Student loans can cover more than a school's tuition and fees as you can use your loan amount as you wish. But student loans received should only be used to pay for educational expenses and to gain knowledge. Qualified educational expenses include daily living expenses, tuition, and fees, rooms and hostel fees, books and supplies costs, equipment costs, dependent child care expenses, transportation, etc.


Do I have to pay interest on a student loan? Are student loans interest-free?

The Interest is charged from the day the student loans company makes your first payment to you or your university or college, until your loan is repaid in full or canceled. The interest rate will be based on the platform terms and choice respecting RBI guidelines. However, loan apps like StuCred offer interest-free loans to students. So it's up to your lending provider whether you have to pay interest or not.


What is the interest rate on student loans In 2023? Student loan interest rate in India

Usually around min. 2.75% to max. 30%

Online student loan interest rates are currently at record lows. The Indian student loan rates for undergraduate loans are 5.75%, graduate loans are 7.30%, and Parent PLUS loans are 6.30%. However various instant loan apps and websites charge up to 30% annual rate of interest in the case of student loans in India.


How much student loan I can get? 

The maximum limit for a student loan with no income proof is usually 10000 rupees in India and this amount varies across various loan apps and financial lending platforms, however, the most common student loan amount usually stays around min Rs 500 to the max of 10000 rupees.


What is the EMI for students loan? Student Loan EMI Calculation:

So let's assume, that you take a student loan of Rs 10000 with an average interest rate of 12%, for 1 years the EMI will be Rs 888 per month. A total of RS 662 interest amount has to be paid on a Rs 10000 loan over a period of 1 year.


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