So, if you need money in an emergency and have gold jewelry, gold loan apps are a real game-changer! These apps provide instant loans from home, without the need to visit a branch – just pledge gold, and the money is deposited into your account.
Interest rates start at 9.99% in 2025, and the process is completely digital. I’ve checked out some of the top apps, their rates, loan amounts, and easy steps. Let’s explain in simple terms which apps are best and how to use them!
Why are Gold Loan Apps the Best?
Normal personal loans require a credit score and income check, but gold loans require the gold itself as security. Interest is low because the risk is low, and approval is granted within minutes.
These apps are protected by RBI regulations in 2025 – no hidden fees, and flexible repayments. Perfect for urgent medical, education, or business needs. Simply check the purity and weight of the gold, and the loan amount is disbursed accordingly (up to 75% of the gold value).
Top Instant Gold Loan Apps With Low Interest
Here are some of the top apps popular in 2025. I checked their latest rates and features – all are RBI-approved, and disbursement occurs within 30 minutes to 2 hours.
1. IIFL Gold Loan App
This app is super fast – get a home valuation done and get the money instantly. Interest starts at 11.88% p.a., with loans up to ₹2 crore. No credit check, and free gold insurance is available. The app also has an EMI calculator, so you can create a repayment plan.
2. Bajaj Finserv Gold Loan
Bajaj’s app is super easy – apply online, branch visit optional. Interest starts at 9.99% p.a., with loans from ₹2,000 to ₹2 crore. Doorstep service is available, and repayment is 3-36 months. Their offers in 2025 even include a zero processing fee!
3. Rupeek Gold Loan App
Rupeek offers instant approval through video KYC. Interest around 12.5% p.a., and loans up to ₹50 lakh. Gold pickup at home, and no prepayment charges. Use their calculator for low interest rates – it tells you the exact rate.
4. Muthoot Finance Gold Loan
Older player, instant quote available in the app. Interest from 10.5% p.a., loans up to ₹1.5 crore. Digital process, and coverage in rural areas. Their low-rate plans in 2025 offer extra discounts for salaried individuals.
5. Manappuram Gold Loan App
Known for quick disbursal – interest starts at 11% p.a., loans from ₹1,500 to ₹10 lakh. The app has a gold purity checker and flexible EMI options. No hidden fees, and AI valuation will be added with an app update in 2025.
How to Apply Step-By-Step
Download the App: Install the app from the Play Store, register with your mobile number and PAN.
Enter Gold Details: Weight, purity (check hallmark), and upload photos.
Complete KYC: Video KYC using Aadhaar, PAN, and selfie – 5 minutes.
Valuation and Approve: The app will calculate the gold value and suggest a loan amount. Enter an OTP upon approval.
Get the Money: Transfer to your account, and keep the gold safe (the app will track it).
That’s it! Minimal documents – no salary slip required.
| Features | Description |
|---|---|
| Minimum Interest Rate | 9.99% p.a. (Bajaj) to 12.5% p.a. (Rupeek) |
| Maximum Loan Amount | Up to ₹2 crore (IIFL/Bajaj) |
| Processing Time | 30 minutes to 2 hours |
| Repayment Period | 3-36 months |
| Minimum Loan Amount | ₹1,500 to ₹2,000 |
| Additional Benefits | Free insurance, no prepayment charges |
Pros and Cons
Pros:
- Instant money – no need to visit a branch.
- Low interest (starting at 9.99%), better than personal loans.
- Gold is safe, will be returned upon maturity.
- No credit score tension, suitable for salaried/self-employed.
- Doorstep pickup and digital EMI reminders.
Cons:
- Loan amounts may be lower if gold purity is low.
- Some apps charge a processing fee of 0.5-1%.
- High penalty for missing a repayment.
- Only gold jewelry is accepted, not cash.
- Slightly limited coverage in rural areas.
Conclusion
In 2025, getting emergency cash from instant gold loan apps like IIFL, Bajaj, and Rupeek has become incredibly easy – low interest and zero hassle! If you’re considering a gold loan, check the EMI first using the app’s calculator.
You’ll be safe and save money. Tell us in the comments which app you’d like to try or how much gold you have? You can also check similar finance offers on Flipkart or Amazon, but these apps are the best!
