Still, are you confused about getting an instant loan without a salary slip?
Getloanoffer comes with the top 7 instant personal loan apps without salary slips. You can get up to 5 lakh without income proof. It will take around 48 hours to get the loan amount.
The platform/app-based benefits and features, such as customized loans, low-interest rate loans, online credit cards, a straightforward application procedure, and constant monitoring, have contributed to the rise in the popularity of money lending apps in India. You can get the money you need quickly, without any paperwork or hassle, using one of many instant loan apps in India.
We will cover the top 7 instant personal loan apps without salary slips. Get up to 5 lakh loans.
7 Instant Personal Loan Apps Without Salary Slip
1. Navi Instant Loan
Navi offers paperless loans of up to 5 lakh rupees. After you submit your KYC papers, the loan will be credited to your bank account.
The Navi quick personal loan application procedure is fully digital. This is an unsecured loan. You can apply for a Navi quick loan with lower documents.
Features of Navi Loan
- With a Pan card and an Aadhaar card, you can only apply for a quick loan from Navi. It is enough to get a loan.
- A cheaper interest rate is provided by Navi. Pay interest while lowering the loan balance.
- Compared to other banks, Navi needs 24 hours to process the qualified loan amount.
- Pay down your loan over a period of 3 to 60 months. Select an EMI based on your needs.
- Money will be credited to your bank account within 24 hours if you are approved for a loan.
| Interest rate | 12-30% per annum |
| Loan Amount | From Rs. 10,000 to 5 lakh |
| Credit Score | Minimum 650 or above |
| Approval Process | Online |
| Loan Tenure | From 3 to 60 months |
| Eligibility Age | 18 to 65 years |
| Processing Fees | 2.5% of Loan Amount + GST Charge |
| Who Can Apply | Self-Employed/ Salaried Person/ Student |
2. SimplyCash
Simply Cash is a mobile lending service offered by Hero Fincorp. Use the Simply cash mobile app to apply for a small loan. Borrow between INR 50,000 and INR 1,500,000.
Individuals interested in a low-interest loan with few requirements can apply for Simply Cash.
Features of SimplyCash
- Use the Simply cash app to get immediate approval. Within an hour, you will get a message of approval.
- Apply for a personal loan right now with the basic minimum of paperwork. Simply Cash offers personal loans in return for KYC documents (Aadhaar Card, Pan Card).
- Submitting physical papers is not required. A bank account, a Pan card, and an Aadhaar card are required to get a loan.
- Select repayment duration between 6 and 24 months. Flexible repayment terms are available for you.
- A lower interest rate of 2.08% per month is provided by SimplyCash. Only used loans will be subject to this interest rate.
| Interest rate | 2.08% per month or 25% p.a. |
| Loan Amount | From 50,000 to 1.5 lakh |
| Credit Score | Minimum 650 or above |
| Loan Tenure | From 6 months to 24 months |
| Eligibility Age | 21 to 58 years |
| Income Required | Rs. 15000/- Per month |
| Processing Fees | 2.5% + GST |
| Eligible For | Self-Employed/ Salaried Person |
3. Money View
Money View offers instant personal loans with rates starting at 1.33% per month for loan amounts up to Rs. 5 lakhs and periods up to 5 years. In less than two minutes, those searching for personal loans may check their eligibility, and if accepted, they can withdraw their loan amounts within twenty-four hours. The whole procedure of loan application to payout—takes place online.
Money View has developed a different credit-scoring system to make it simpler for applicants with poor credit to secure personal loans.
Apply for an instant loan from Money View without presenting proof of income.
Features of Money View
- You can apply for a Money View loan without a salary slip. It is a fully digital service.
- For Money View, personal loan minimum documents are required as a pan card, Aadhaar card and bank account required.
- Money View offers a 1.33% interest rate per month which is a flexible interest rate.
- Repayment tenure starts from 6 months to 5 years. Choose easy repayment duration through Money View.
| Loan amount | Rs. 5,000 – Rs 5 lakh |
| Loan tenure | 6 months- 5 years |
| Interest rate | 1.33% per month |
| Processing fee | 2% – 5% of the loan amount |
| Age Required | 21 – 57 years |
| Cibil Score | Yes |
| Eligible For | Salaried / Self Employed / Student |
4. Buddy Loan
A guarantor loan is an option to consider if you are unable to get loans on your own and need financial support.
You could be able to borrow anything from Rs. 1,000 to 15 lakh rupees through Buddy Loans over a period of 1 to 5 years. Only a qualified guarantor who is prepared to co-sign the loan is required from you.
Features of Buddy Loan
- The buddy personal loan has an 80% loan approval rate, which is the highest rate.
- Buddy loans can be approved quickly and easily. After completing an application, your loan request is approved within 48 hours.
- Depending on how much money you need to borrow, you can be eligible for a loan between Rs. 1,000 and Rs. 15 lakhs.
- Payback periods might be as little as 6 months or as long as 5 years.
- The interest rate for buddy loans starts at 11.99% p.a., which is quite low.
| LOAN TENURE | 6 months -5 years |
| LOAN AMOUNT | Rs. 1,000 to 15 lakh |
| INTEREST RATE | 11.99% p.a. |
| PROCESSING FEES | 2% + GST |
| INCOME REQUIRED | NIL |
| ELIGIBILITY FOR | Student/ Housewife/ Self Employed |
Also Read: Paysense Personal Loan
5. StashFin
With personal loans beginning at only Rs. 1000 and ranging up to Rs. 5 lakh, StashFin makes it easy for people to meet their varied financial needs, no matter how big or little. If you have a job, you may apply for a StashFin Personal Loan to pay for little items like consumer durables, vacations, house improvements, and other small expenses.
Stashfin Personal Loan submits an application & receives a quick loan of up to 5 Lakh.
Features of StashFin
- With a loan amount ranging from Rs. 1000 to Rs. 5 lakh, StashFin is flexible enough to satisfy a variety of personal needs.
- Depending on your ability to repay the loan and your convenience, the period of a StashFin personal loan might vary from 3 months to 3 years.
- The interest rate is lower than that of other lenders, starting at 11.99%. Different loan kinds are offered by StashFin at various interest rates.
- Fully digital loans are offered by StashFin. You don’t need to leave your house to apply for a loan.
| Interest rate | Starting from 11.99% p.a. |
| Loan Amount | 1,000 to 5 lakh |
| Approval Process | Online |
| Income Required | Rs. 20,000 per month |
| Loan Tenure | 3 months to 36 months |
| Eligible Age | 18 years & above |
| Processing Fees | Up to 10% of Loan |
| Eligible For | Salaried Persona & Self Employed |
6. ZestMoney
ZestMoney is an Indian fintech company that specializes in personal loans and has seen explosive growth. A shopping loan may be obtained without the use of a credit card.
With a ZestMoney Shopping Loan, you might potentially get a credit limit of up to 2 lakh.
Features of ZestMoney
- Instant loans for shopping are available through ZestMoney. You won’t need to provide proof of income to get a quick loan.
- ZestMoney offers loans with flexible terms. From 3 months to 18 months for loan repayment.
- Up to a 2 lakh credit limit is available without income verification. With loans for purchases, ZestMoney is giving a bigger credit limit.
- Get this loan without submitting 5–10 papers. If you own both a Pan Card and an Aadhaar Card, you qualify for this loan for shopping.
| Credit Limit | Up to 2 lakh |
| Interest rate | 0% to 21% |
| Approval Process | Online |
| Repayment Tenure | 3 months to 18 months |
| Processing Fees | NIL |
| Eligible For | Self-employed/ Salaried/Student/Housewife |
Also Read: Top 5 Student Loan Apps in India
7. MoneyTap
You can get a loan with the MoneyTap app. MoneyTap offers loans between Rs. 3,000 to 5 lakh MoneyTap provides quick cash loans for a wide range of unexpected expenses, including medical care, mobile phone purchases, utility payments, and more.
The loan application process now takes 24 hours to complete. The whole operation is conducted in an online environment. Remote applications are acceptable. There are more than 10 million users of this app. Loans are available via MoneyTap, you can access them here.
Features of Money Tap
- For a personal loan, several banks charge an interest rate of 20–30%. However, MoneyTap charges 1.08% monthly. This interest rate is low.
- You may choose a length of time to repay your loan. MoneyTap offers loan payback terms between 2- 36 months.
- The loan approval will come to you in under a minute. MoneyTap is a platform that is entirely online. Just submit your paperwork to get the loan directly into your bank account.
- A personal loan application at a bank requires you to provide a variety of documentation. MoneyTap, however, provides quick personal loans with fewer papers.
| Interest rate | 13-18% per annum |
| Loan Amount | From 3000 to 5 lakh |
| Approval Process | Online |
| Loan Tenure | 2-36 month |
| Eligibility Age | 23 years to 55 years |
| Source of Income | Salaried Person or Self Employed |
| Monthly Income | Rs. 20,000 per month |
| Processing Fees | 2% of the Loan Amount |
Bottom Line
We have listed 7 instant personal loan apps without salary slips. These apps provide instant loans without any hassle. It will take up to 48 hours to get the loan.
Although money lending apps in India have made it easier to get a loan, smart borrowers should always carefully read the fine print before signing up to make sure they are comfortable with the loan’s terms and the obligations they will acquire.
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