Head-to-head · Personal Loan Apps
Kotak811 Personal Loan vs MoneyLion Personal Loans
Kotak811 Personal Loan leads on 0 checks, MoneyLion Personal Loans on 1, and 2 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreKotak811 Personal Loan · 7.2/10
- Free planonly MoneyLion Personal Loans
Kotak811 Personal Loan scores higher on our rubric for personal loan apps: 7.2 against 6.3 out of 10; our editors rank them #4 and #7.
MoneyLion Personal Loans offers free plan; Kotak811 Personal Loan doesn't.
Kotak811 Personal Loan is the better fit for digital Indian borrowing with minimal paperwork. MoneyLion Personal Loans is the better fit for free mobile loan-offer comparison.
- Kotak811 Personal Loan fits best
Digital Indian borrowing with minimal paperwork
- MoneyLion Personal Loans fits best
Free mobile loan-offer comparison
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Side by side
| Feature | Kotak811 Personal Loan 7.2/10 Visit ↗ | MoneyLion Personal Loans 6.3/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 7.2 | 6.3 |
| Ranking | #4 in Personal Loan Apps | #7 in Personal Loan Apps |
| Best for | Digital Indian borrowing with minimal paperwork | Free mobile loan-offer comparison |
| Pricing model | Paid | Free |
| Starting price | Not published | Not published |
| Free plan | — | ✓ (best) |
| Free trial | — | — |
| Deployment | Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Support | Email, Phone · 24/7 | Email, Phone · 24/7 |
| Built for | Solo, Small business, Mid-market, Enterprise | Solo, Small business, Mid-market, Enterprise |
| Features Kotak811 Personal Loan 2/2 · MoneyLion Personal Loans 2/2 | ||
| Origination fee | ✓ | ✓ |
| Prequalification | ✓ | ✓ |
| Specs | ||
| Loan amount range | ₹50,000–₹35,00,000 stated; FAQ also says typically up to ₹25,00,000 | Not published |
| APR range | Starting at 10.99% p.a.; maximum APR not stated on the Kotak811 page | Not published |
| Loan purposes | Home renovation, medical emergencies, travel/vacation, debt consolidation, weddings and other personal expenses | debt consolidation; credit-card payoff; home improvement; medical bills; education; large purchases; weddings; unexpected expenses |
| Mobile apps | Both | Both |
| Our review | ||
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| Our verdict | Kotak811 Personal Loan is an unsecured consumer loan from Kotak Mahindra Bank, applied for digitally through the Kotak811 app. It is aimed at people borrowing for expenses such as home renovation, medical emergencies, travel, debt… Read the review → |
MoneyLion Personal Loans is an online marketplace that matches consumers with personal-loan offers from partner lenders. Applicants provide a desired amount, loan purpose, and basic financial details, then compare matched offers. The… Read the review → |
Strengths and trade-offs
Kotak811 Personal Loan — where it wins
- Apply and check pre-approved eligibility in the Kotak811 app
- Unsecured borrowing requires no collateral
- Fixed monthly EMIs with terms up to six years
Where it doesn't
- Loan processing fees can reach 5% plus taxes
- The published starting rate is not a complete APR range
- Funds are credited to a Kotak811 account after approval
MoneyLion Personal Loans — where it wins
- Compare partner offers side by side by rate, term, and monthly payment
- Explore matched offers with a soft search that does not affect credit score
- Apply online and submit documents for a range of loan purposes
Where it doesn't
- MoneyLion refers applicants to lenders rather than making loans directly
- Participating lenders determine final rates, fees, approval, and terms
- No comparable APR range or verified minimum loan amount is published
- Kotak811 Personal Loan7.2/10 · Paid
App-based borrowing with fixed EMIs and repayment terms up to six years.
Visit Kotak811Full verdict → - MoneyLion Personal Loans6.3/10 · Free plan
A free marketplace for comparing matched personal-loan offers without a credit-score impact.
Visit MoneyLionFull verdict →
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All personal loan apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update