This study explores the impact of digital lending applications on borrowing behaviour in India's rapidly evolving fintech ecosystem. With the increasing popularity of instant loan platforms, access to credit has become faster and more convenient, especially for young and middle-income individuals. However, this ease of access raises important questions about financial discipline and borrowing patterns. Using a quantitative research approach, data was collected from 104 respondents to analyse how factors such as convenience, accessibility, and financial awareness influence borrowing decisions. The findings suggest that while digital lending apps act as a crucial financial safety net during emergencies, they also encourage frequent usage and impulsive borrowing behaviour. The study highlights that digital lending platforms are not just financial tools but behavioural drivers that reshape how individuals perceive and use credit.