1. Lendingkart
Lendingkart · Ahmedabad · Banking, lending & fintech · 4.3/5
Working capital loans for SMEs.
Pay as you go
Free trial
Banking, lending & fintech · Alternatives
Best 121 Finance alternatives in India (2026)
121 Finance is a banking, lending & fintech product from 121 Finance Private Limited, Jaipur, priced at Paid plans. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 6 have a free plan, 20 are built in India.
Quick answer
The closest alternatives to 121 Finance are Lendingkart (Pay as you go), Indifi (Pay as you go), Capital Float (axio) (Pay as you go), NeoGrowth (Pay as you go) and FlexiLoans (Pay as you go). ICICI iMobile Pay is the top-ranked option with a free plan.
Why businesses look for a 121 Finance alternative
There is no free plan
121 Finance has no free tier. 6 alternatives do, which lets you test with real data before you pay.
121 Finance alternatives compared
Ranked by how closely each product matches 121 Finance's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | 121 Finance (current) | Paid plans | No | Web, Android, iOS | Yes | 3.8/5 | — |
| 1 | Lendingkart | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 2 |  Indifi | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 3 |  Capital Float (axio) | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 4 |  NeoGrowth | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 5 |  FlexiLoans | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 6 |  Rupeek | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 7 |  Cashe | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 8 |  MoneyTap | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 9 |  PayMe India | Pay as you go | No | Web, Android, iOS | Yes | 4.2/5 | |
| 10 |  LoanTap | Pay as you go | No | Web, Android, iOS | Yes | 4.1/5 | |
| 11 |  Kissht | Pay as you go | No | Web, Android, iOS | Yes | 4.1/5 | |
| 12 |  PaySense | Pay as you go | No | Web, Android, iOS | Yes | 4.1/5 | |
| 13 |  Stashfin | Pay as you go | No | Web, Android, iOS | Yes | 4.1/5 | |
| 14 |  Zype | Pay as you go | No | Web, Android, iOS | Yes | 4/5 | |
| 15 |  ICICI iMobile Pay | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 16 |  Jupiter | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 17 |  IndusInd IndusMobile | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 18 |  Fi | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 19 |  Bank of Baroda bob World | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 20 |  Canara ai1 | Free | Yes | Web, Android, iOS | Yes | 4.6/5 |
Top 10 121 Finance alternatives in detail
2. Indifi
Indifi · Gurugram · Banking, lending & fintech · 4.3/5
Business loans for small enterprises.
Pay as you go
Free trial
3. Capital Float (axio)
axio · Bengaluru · Banking, lending & fintech · 4.3/5
Pay-later and personal credit.
Pay as you go
Free trial
4. NeoGrowth
NeoGrowth Credit · Mumbai · Banking, lending & fintech · 4.3/5
Loans against card and digital sales for retailers.
Pay as you go
Free trial
Pay as you go
Free trial
Pay as you go
Free trial
Pay as you go
Free trial
Pay as you go
Free trial
9. PayMe India
PayMe India · Noida · Banking, lending & fintech · 4.2/5
Personal loans for salaried professionals.
Pay as you go
Free trial
10. LoanTap
LoanTap · Pune · Banking, lending & fintech · 4.1/5
Salaried personal loans and EMI-free loans.
Pay as you go
Free trial
121 Finance alternatives by what you need
Free 121 Finance alternatives
How to choose a 121 Finance alternative
- For a business account, compare payout fees, API access and accounting integrations — those save more time than the interface.
- Lending apps must name the regulated lender; check the APR, processing fee and prepayment terms rather than the headline rate.
- Neobank layers sit on a partner bank; check which bank holds the funds and what happens if the layer shuts down.
121 Finance alternatives — FAQs
What is the best alternative to 121 Finance in 2026?+
The closest matches to 121 Finance on App Advisor are Lendingkart (Pay as you go), Indifi (Pay as you go), Capital Float (axio) (Pay as you go). They are ranked by how closely their category, pricing model, platforms and target business size match 121 Finance, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to 121 Finance?+
Yes. 6 of the 20 alternatives listed have a free plan or are free: ICICI iMobile Pay (Free), Jupiter (Free), IndusInd IndusMobile (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
Is there an Indian alternative to 121 Finance?+
Yes. 20 alternatives are built in India, including Lendingkart (Pay as you go), Indifi (Pay as you go), Capital Float (axio) (Pay as you go). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
121 Finance vs Lendingkart: which is better?+
Lendingkart is the closest match to 121 Finance in our catalogue. Compare them side by side before you book a demo.
How were these 121 Finance alternatives chosen?+
Every product listed sits in banking, lending & fintech or a category 121 Finance also covers, and 121 Finance Private Limited's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
Not sure which 121 Finance alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
Related alternatives
Lendingkart alternativesIndifi alternativesCapital Float (axio) alternativesNeoGrowth alternativesFlexiLoans alternativesRupeek alternativesCashe alternativesMoneyTap alternativesPayMe India alternativesLoanTap alternativesKissht alternativesPaySense alternativesAll banking, lending & fintech alternativesBrowse all alternatives