Best instant loan app without salary slip 2023

The Best Loan Apps for Low Credit Scores

जब आपको किसी आपातकालीन स्थिति से निपटने के लिए तत्काल धन की आवश्यकता होती है(LOAN APP), तो आप क्या करते हैं? आपका आदर्श विकल्प व्यक्तिगत ऋण ऐप के लिए आवेदन करना है। जबकि लगभग सभी बैंक और वित्तीय संस्थान व्यक्तिगत ऋण प्रदान करते हैं, यह प्रक्रिया समय लेने वाली हो सकती है। दस्तावेज़ीकरण प्रक्रियाएँ बोझिल हो सकती हैं, और आपको एक दोषरहित क्रेडिट रिकॉर्ड की आवश्यकता हो सकती है। ऐसी स्थितियों में, भारत में वेतन पर्ची के बिना सबसे अच्छा तत्काल ऋण ऐप आपका आदर्श विकल्प होना चाहिए, जो अंतर्निहित लाभ प्रदान करता है जैसे: 1

  1. Quick Approvals and Disbursements.
  2. High Flexibility and Easy Eligibility Criteria.
  3. No Collateral Required.
  4. Convenient Documentation.
  5. User-Friendly Features.



Google PlayStore या AppStore से MoneyTap ऐप डाउनलोड करना पहला सुरक्षित और सीधा कदम है। इसके बाद, उम्र, निवास का शहर, पैन और आय जैसे विवरण प्रदान करके मनीटैप क्रेडिट लाइन के लिए अपनी पात्रता निर्धारित करें। फिर, केवाईसी औपचारिकताओं को पूरा करें और आवश्यक अनुमोदन प्राप्त होने पर फंड का उपयोग शुरू करें।

MoneyTap provides individual loans at interest rates ranging from 1.08% to 2.3% per month, up to INR 5 lakh. What sets MoneyTap apart is its lightning-fast approval process, taking approximately four to five minutes. Additionally, its secure API and interface make it the best instant loan app without a salary slip in India.


PaySense ने ऑनलाइन तत्काल व्यक्तिगत ऋण प्रदान करने के लिए प्रतिष्ठित बैंकों और वित्तीय संस्थानों के साथ साझेदारी की है। 5,000 रुपये से लेकर 5 लाख रुपये तक के ये व्यक्तिगत ऋण, लगभग किसी भी आपातकालीन स्थिति के लिए उपलब्ध हैं, और जो बात इसे दिलचस्प बनाती है वह यह है कि यह बिना किसी पूर्व क्रेडिट इतिहास वाले व्यक्तियों को व्यक्तिगत ऋण से लाभ उठाने की अनुमति देता है।

The application process, documentation, approval, and disbursement are all rapid. Interest rates range from 16% to 36% annually, with repayment periods extending up to 60 months. Both salaried and self-employed individuals can apply for personal loans through PaySense, and it has recently merged with LazyPay.


NIRA अपनी त्वरित स्वीकृति, सरल पंजीकरण प्रक्रिया और CIBIL स्कोर के बिना ऋण की उपलब्धता के कारण भारत में बिना वेतन पर्ची के सबसे अच्छे त्वरित ऋण ऐप में से एक है। NIRA ऑनलाइन जमा किए गए दस्तावेज़ों के आधार पर स्वचालित रूप से आपके क्रेडिट स्कोर का आकलन करता है।

NIRA offers personal loans ranging from INR 3,000 to INR 5 lakh, with interest rates ranging from 1.5% to 2.5% per month. This instant loan app also allows you to extend your credit tenure if needed and provides the option to set up auto-debit and auto-credit.


KreditBee is a quick loan app available for download on Google PlayStore and the App Store. It stands as one of the best instant personal loan apps for students, freelancers, and small business owners in India.

KreditBee provides a revolving line of credit within minutes. The only documentation required is your Aadhar card. You can avail loans ranging from INR 1,000 to INR 2 lakhs with interest rates between 14% to 30% per annum, repayable within 91 to 270 days. For applicants without a CIBIL score, the loan amount is limited to around INR 20,000.

KreditBee also offers cashback of up to 2% on all expenses and up to a 20% discount on KreditBee stores, allowing users to make payments for their daily needs, groceries, and household items.

Dhani Card

Dhani Card is specially designed for students, salaried individuals, and self-employed individuals. It is one of the best instant personal loan apps in India. Dhani Card provides personal loans ranging from INR 1,000 to INR 5 lakh at interest rates starting from 1% per month to 3.17% per month.

Dhani Card offers a credit line of up to INR 5 lakh at 0% interest rate without linking to your bank account. Additionally, it allows users to set up auto-debit for easy and timely payments. Dhani Card also offers a “Buy Now, Pay Later” scheme with partner retailers like Amazon, BigBasket, Flipkart, and more.


mPokket is an instant personal loan app available on Google PlayStore for students and salaried employees in India. You can avail loans ranging from INR 500 to INR 30,000, with interest rates starting at 3.5% per month.

Salaried individuals need to provide their salary slips, while students can apply by uploading their ID proofs online. The loan approval process is entirely online, and disbursement usually takes around 24 hours. Borrowers can receive payments directly into their digital wallets, such as PayTM.


CASHe offers a user-friendly interface. Users need to upload necessary documents and complete the verification process before setting their personal loan limits. Additionally, CASHe allows users to get simultaneous approvals for multiple loans.

CASHe offers personal loans of up to INR 5 lakh, with interest rates starting from 1.75%. It provides the convenience of direct deposit into your bank account. Furthermore, users can set up auto-debit from their bank accounts for easy and timely repayments. CASHe also offers “Buy Now, Pay Later” plans with partner retailers like Amazon, BigBasket, Flipkart, and more.

It’s important to note that to benefit from these individual loan features, users should ideally have a good credit score for certain instant loan options.

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