Latest Blog 15 Best Instant Loan Apps In UAE 2024 [Updated List]


From urgent expenses to investment opportunities, the app loan apps offer swift solutions with transparent terms and reliable service. In UAE, the tech-savvy population is increasingly using instant loan applications for their diverse needs related to finance,

According to Tech Sci’s research, the UAE’s use of instant loan apps has increased by 20%. These apps offer quick access to top short-term loans with minimal paperwork and a quick approval process.

Are you also looking for an app for instant loans? If yes, then here is the list of the 15 best instant loan applications in the UAE.

Best Instant Loan Apps In UAE

1.      Beehive


Beehive was launched to provide aid to businesses that want instant loans. The instant loan app helped businesses as they borrowed more than AED 2 billion through the platform. It is an enterprise company based in Dubai, that offers peer-to-peer lending options in MENA to be regulated by DFSA. The company eliminates the cost and complexity of traditional finance and provides an efficient funding process to the users.

Highlighted Features

  • Peer-to-peer lending
  • Low-interest rates
  • Quick approval process

2.      FlexxPay


FlexxPay is on a mission to fix the pay frequency at its root by offering businesses and their employees an instant pay platform. They empower the ones who need it the most to access a portion of their already earned income whatever they need it. The company is recognized as the one to increase 15% retention rate, 17% increased rates and 23% increased productivity in the companies that are connected with it.

Highlighted Features

  • Salary advance
  • Instant access
  • Flexible repayment

3.      MoneyMall


MoneyMall works compared with almost 100= financial products that are offered by more than 50+ providers – most of them are the best-known lenders, banks, insurers, and credit card companies in the UAE. It is one of the ash loan apps in Dubai, UAE that aims to let you easily search and compare deals from a wide range of brands so you can choose which suits you best.

Highlighted Features

  • Multiple loan options
  • Comparison tool
  • Personalized offers

4.      Tarabut


Tarabut is dedicated to developing partnerships that drive mutual success. It mentored over 50+ Fintech, 30+ bank partnerships, and 27 million accessible accounts. They offer proper customer support with personalized solutions and ongoing support. They have industry experts to help you out with your queries. You can easily apply for an instant loan if you need an urgent cash loan today with its instant application procedure.

Highlighted Features

  • Sharia-compliant loans
  • Transparent terms
  • Easy application

5.      Emirates NBD

emirates nbd

Since the merger in 2007 to financial services group the company has been serving more than 20 million customers across global operations. As per the records of 31st December 2023, the total assets were AED 863 billion. The group has operations in UAE, Egypt, Turkey, Saudia Arabia, and Singapore, and offers parts of the world with a total of 850 branches to help its users.

Highlighted Features

  • Bank-backed loans
  • Competitive rates
  • Online access

6.      CashNow


With CashNow getting personal loans becomes easy. The application allows you to get a loan of up to AED 5000 in just a few taps. All you have to do is choose the amount and duration, verify your ID, and add bank details. Depending on the needs the loan amount ranged from AED 300 to AED 10,000. and the term can be chosen by you between 14 days to 6 months as per your accordance.

Highlighted Features

  • Fast cash disbursement
  • No paperwork
  • Convenient repayment

7.      LendMe


LendMe solves your money challenges with a hassle-free loan process. Download the app, apply for a loan, and get your money. It has been offering the services of money lending to users since 2019 and focuses on continuously improving its services to offer the best.

Highlighted Features

  • Borrow from peers
  • Customizable terms
  • Secure transactions

8.      Prime Loans


Another app for loans in UAE – Prime Loans allows users to get loans from AED 5000 to 30,000. It takes less than 5 minutes to apply for a loan through the app. The best thing about the application is that you don’t require a credit history to apply which makes it suitable for the individuals.

Highlighted Features

  • High loan amounts
  • Competitive interest
  • Streamlined process

9.      Jawab Loans


Jawab Loans allows you to avail of instant cash without much hassle. The app is designed to carry out simple applications and a fast approval process which makes everything too easy. You can apply for loans and don’t have to wait for days for approval – everything with Jawab is swift and smooth.

Highlighted Features

  • Online application
  • Flexible repayment plans
  • Credit scoring

10.  Cash U


Cash U is another application that offers microloans at favorable rates according to the users. Since its launch, the app has helped several individuals in need of instant cash. With its simple interface and user-friendly features – the app is easy to use with minimal risks.

Highlighted Features

  • Quick cash transfer
  • Simple requirements
  • Mobile app access

11.  LNDDO


It offers loans in UAE for small businesses. The application offers SMEs an opportunity to achieve their business goals by facilitating quick and easy access to working capital finance. You can get funds of up to USD 100,000 with features like zero collateral and quick online approval.

Highlighted Features

  • Financial education
  • Loan comparison
  • Budgeting tools

12.  E & Money


It is the only financial app that you will need. With this app, you can send money globally and locally, pay bills and merchants, send gifts, and much more. There is no registration fee and no minimum balance requirements which makes it an ideal choice for users who are low on money. Through this app, you can transfer money in over 100+ countries.

Highlighted Features

  • Instant loans
  • Direct deposit
  • Low fees

13.  IOU


The platform has been offering small businesses up to $1.5M in working capital. It connects dozens of data sources, aggregating and automatically processing hundreds of data points the innovative technology has reduced the small business lending process from weeks or months to one that can be completed easily online and funded within hours.

Highlighted Features

  • Borrow from contacts
  • IOU tracking
  • Informal borrowing

14.  FinBin


FinBin is an urgent reputable loan application in the region and helps users to get cash funding easily and quickly. It has a user-friendly interface and offers instant and reasonable cash loans. It is a simple application with fast approval rates. The advanced algorithm helps you in assessing loan eligibility so you can make the right choice.

Highlighted Features

  • Easy application
  • Fast approval
  • Convenient repayment options

15.  Flex


The application is gaining popularity in the UAE because of its simple loan procedure. It allows the users to acquire up to AED 10,000 loans with quick approval. You can go through the multiple loan options to find the suitable one for you on your own terms.

Highlighted Features

  • Flexible terms
  • Quick approval
  • Variety of loan options

Wrapping It Up

So, these are the 15 best loan apps in UAE that can help you instantly. With the expertise of a reputable mobile app development company in Dubai, you can get the loan with minimal paperwork, and the approval process is also not that lengthy. They are perfect for the ones who need instant cash and want short-term mortgages for whatever purpose

FAQ’s – Best Instant Loan Apps

1. What are instant loan apps?

Instant loan apps are mobile applications that allow users to apply for and receive loans quickly, often within minutes, without the need for extensive paperwork or visits to a physical bank branch.

2. How do instant loan apps work in the UAE?

These apps typically require users to download the app, register an account, provide necessary personal and financial information, and submit a loan application within the app. The approval process is generally fast, and once approved, funds are transferred directly to the user’s bank account or mobile wallet.

3. Are instant loan apps legal in the UAE?

Yes, instant loan apps are legal in the UAE, but they are subject to regulations imposed by the UAE Central Bank. Users should ensure they are using licensed and regulated platforms to avoid potential scams or fraudulent activities.

4. What are the eligibility criteria for using instant loan apps in the UAE?

Eligibility criteria may vary between different loan apps, but typically, applicants must be UAE residents, have a valid Emirates ID, stable income, and meet minimum age requirements (usually 21 years old).

5. What are the interest rates for instant loans in the UAE?

Interest rates can vary significantly between different loan apps and may depend on factors such as the loan amount, repayment term, and the borrower’s creditworthiness. It’s essential to carefully review the terms and conditions of each loan app to understand the applicable interest rates and fees.

6. Are instant loan apps in the UAE safe to use?

While many instant loan apps in the UAE are legitimate and safe to use, users should exercise caution and only use reputable and licensed platforms. It’s essential to review user reviews, ratings, and the app’s terms and conditions before applying for a loan.

7. How long does it take to receive funds from instant loan apps in the UAE?

The time it takes to receive funds can vary depending on the loan app and the verification process. In many cases, funds can be disbursed within minutes of loan approval.

Please note that this blog is provided solely for informational purposes. We do not affiliate with any of the products or services mentioned. Our aim is to offer helpful insights and guidance to our readers without endorsing any specific brands or entities. Thank you for your understanding.


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