10 Best Instant Loan Apps In India Without Pay Slip

What do you do when you need money urgently to meet your needs? You have the option of taking a personal loan. Almost all banks and financial companies offer personal loans, but the process can be time-consuming. There may be delays in the documentation process. In addition, a good credit record is required. In such situations, here are the best instant personal loan apps without salary slip from where taking a loan is a good option, such as:-

  • Quick approval and amount disbursement.
  • Flexibility and easy eligibility criteria.
  • No guarantor required.
  • Minimum documents.
  • The loan can be used anywhere.

In this post, 10 instant loan apps are being told without salary slip
(Bina Salary Slip Ke Personal Loan Ke Liye Best App)

moneytap loan

You can easily get a loan by downloading the MoneyTap app from Google PlayStore or AppStore. Next, details such as age, place of residence, PAN and income have to be filled to determine your eligibility for a MoneyTap credit line. Then, by verifying your KYC, you can easily avail the loan.

MoneyTap offers personal loans up to Rs 5 lakh at interest rates ranging from 1.08 to 2.3% per month. Also, you get flexible repayment tenure of up to 36 months. The best part of MoneyTap is its quick approval process which takes only about four to five minutes. Moreover, the secure API and interface that provides instant loan without salary slips, makes it one of the best loan apps in the category.

pension loan

PaySense has partnered with reputed banks and financial institutions to offer online instant personal loans. Personal loans ranging from Rs 5,000 to Rs 5 lakh can be availed in almost any emergency. The best part is that the loan can be availed without any credit history and salary slips.

The application process, documentation, approval, and disbursement are very quick. Interest rates range between 16% to 36% p.a. The repayment period can be up to a maximum of 60 months. Both salaried and self-employed individuals can take a personal loan from PaySense. Recently PaySense’s LazyPay has come together.


Nira has come to be among the best instant loan app with its instant approval, simple registration process, no CIBIL score and no salary slip loans. Nira automatically assesses your credit score based on the documents submitted online.

Nira personal loans range from 1.5 to 2.5% per month at interest rates ranging from Rs 3,000 to Rs 5 lakh. This instant personal loan app allows you to extend your credit tenure as and when required. The app also allows setting up auto-debit and auto credit.


Kissht is a fast loan app that is available on both Google PlayStore and App Store. It is one of the best personal loan apps for students, freelancers and small businessmen with regular salaried income.

Installment offers a QR-based revolving line of credit within five minutes. Aadhar card is the only document that requires installment for disbursement of personal loan directly into your bank account after completing eligibility checks. A maximum loan of Rs 2 lakh is available at interest rates of 14% to 30% per annum. Its 100% digital process makes it an attractive app.

smart coin

Smart Coin is one of the popular loan apps without salary slip as it provides easy loan to meet your immediate cash needs. This instant loan app offers small loans up to Rs 70,000 to people in the low-income group.

The main attraction of Smart Coin Instant Loan app is that it gives instant personal loan based on PAN and Aadhar card only. The interest rate ranges between 20 to 36% per annum. These loans are repayable between 91 and 270 days. However, for applicants without CIBIL score, the loan amount is limited to around Rs 20,000.

money card

Dhani Card is one of the best instant personal loan apps for students, salaried individuals and self-employed individuals. Loans up to Rs 5 lakh are available at interest rates between 1 to 3.17% per month, depending on your eligibility, loan amount and repayment tenure.

Dhani Card offers a line of credit up to Rs 5 lakh at 0% interest rate without linking your bank account. This facility allows unlimited access to doctors on payment of a fixed nominal monthly fee. However, this loan is repayable in three interest free installments.

Other features of Dhani Card include exciting cashback of up to 2% on all spends. Also, up to 20% off is available at Dhani Store, allowing users to pay for their daily needs, groceries and household items.

mpocket loan

mPokket is a short term instant personal loan app available on Google PlayStore for students and salaried employees to meet their immediate financial emergencies. The loan amount ranges from Rs 500 to Rs 30,000 with interest rates starting from 3.5% per month.

Here salaried individuals have to provide their salary slip, students can apply for this instant personal loan by submitting their ID proof online. The loan approval process is completely online, and the disbursement usually takes around 24 hours. Also, the borrower need not open any bank account as they can get the disbursement in their digital wallet like Paytm.

ca that loan

CASHe offers one of the most user-friendly interfaces. Users will need to upload the required documents and complete the verification process before clicking on the credit line and setting their personal limit. Furthermore, this app allows users to get a single approval for multiple loans at once.

Personal loans can be availed from CASHe up to a maximum of Rs 5 lakh, with interest rates starting from 1.75%. This app allows direct deposit in your bank account. In addition, users can set up auto-debit facility from their bank accounts to facilitate easy and timely repayment. CASHe has also partnered with eCommerce retailers like Amazon, Big Basket, Flipkart, etc. as part of its Buy Now, Pay Later plan.

Remember, you need to have a good credit score to avail personal loan facilities from CASHe.

home credit

Home Credit is one of the best loan apps without salary slip as it allows the borrower to avail personal loans up to Rs 2 lakh on submission of his/her PAN card and another ID/address proof document. However, the loan amount depends on your credit score. But, this app also provides personal loan to people without any credit history.

This personal loan is repayable in 26 months at an interest rate of 2.4 to 3.3% per month. It is one of the easiest and fastest online loan apps for individuals between 19 to 65 years of age without presenting their salary slips.

money view loan

MoneyView is unique as it has a credit rating model that helps determine the maximum loan eligibility for an individual. Users can check their loan eligibility in two minutes by submitting their mobile number and completing the OTP verification process. However, applicants will have to complete KYC formalities before availing the loan.

MoneyView offers loans up to Rs 5 lakh directly into your bank accounts. It follows 100% cashless and paperless process with loan disbursement within 24 hours of approval. The interest rate is around 2% per month, where users also get a chance to choose their repayment tenure.

Personal loans have become quite popular as they are available quickly without much documentation. Moreover, this facility allows users to access the loan to meet their immediate financial emergencies. Moreover, no guarantor is required and easy repayment terms have made these instant loan apps a superhit with the masses.

Leave a Comment

Your email address will not be published.