Ever wondered if you could buy a lifestyle product today and pay for it later when payday comes? Of course, there are credit cards available for this purpose but what if there was another instrument which was also easy on your pocket and simple to use and manage? Well, you are looking at credit line apps that provide instant money for all your purchase needs.

It’s time to move beyond net banking and credit cards and explore the possibilities of line of credit apps. Here’s a rundown of the top line of credit apps for all your financial needs.

Dhani Line of Credit

Probably the most popular instant line of credit app in India. From Indiabulls, the Dhani app is a collection of inventive financial functions – from e-wallet to personal loans to a line of credit feature.

At a nominal processing fee, you can get instant credit of up to INR 3 lakh for any type of purchase. Here, it’s not only about online shopping on Flipkart.com but also getting food from your favourite restaurant or booking an urgent flight to go to your native place.

The Dhani line of credit is superior in all terms because with it you only have to pay for the amount that you use. Only when you spend a certain amount on a purchase, you need to pay it back. The remaining borrowed amount stays in your wallet. This can be used across merchants: bill payments, hotel bookings, and any other financial transaction that you can think of.

Dhani Line of Credit also provides the function of a RuPay card that you can use to make the purchases. It is like a prepaid card where you do not have to worry about insufficient funds. It can be used across 30 lakhs and more merchants across India. All of this makes Dhani Credit Line the best financial app in India.


Another cool financial app that is slowly finding takers in India is ETMoney. The default features are the same with this app. Its highlight is that you need to apply only once for an account and keep borrowing for years. You can borrow up to INR 5 lakhs and make use of their paperless credit card feature to assist in your shopping.


Another great financial app in India, NIRA allows you to borrow up to INR 1 lakh for your financial needs. Naturally, this is intended at college students and young professional who might have emergency requirements. The payback scheme is also pretty cool in NIRA which charges around 1.5% to 2.5% for processing the instant credit.

Capital First

You may be hearing a lot about Capital First these days after the merger of the two financial entities. Surprisingly enough, they also have a credit line app through which you can borrow up to INR 25 lakhs. That’s a really a huge amount and is naturally catered to business persons.

So, if you are running a business and need to borrow frequently, Capital First would be a great choice. It should be noted that Dhani is the only other financial app on this list that also has a separate Personal Loan function. 

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