In today’s fast-paced world, emergencies don’t wait for payday. Whether it’s a medical bill, urgent home repair, or unexpected travel, quick access to cash can be a lifesaver. But what if your credit score is low—or you don’t have one at all?
This is where instant loan apps with no credit score check in India come in. These mobile applications offer quick, hassle-free personal loans without the traditional credit history requirements. Many of them focus on your income, repayment capacity, and KYC details instead of your CIBIL score.
Why Choose Instant Loan Apps Without a Credit Check?
Quick Approval – Many apps approve loans within minutes.
No CIBIL Requirement – Ideal for first-time borrowers or those with poor credit.
Paperless Process – Complete everything from your smartphone.
Flexible Loan Amounts – Ranges from ₹1,000 to ₹5,00,000 depending on eligibility.
Convenient Repayment – Options for weekly, monthly, or customised EMIs.
Top Instant Loan Apps Without Credit Score Check in India (2025)
Here are some of the most popular apps that provide loans without focusing on your credit score:
1. KreditBee
Loan Range: ₹1,000 – ₹3,00,000
Tenure: 3 to 24 months
Approval Time: Within 10 minutes
USP: Minimal documentation, quick disbursement.
2. MoneyTap
Loan Range: ₹3,000 – ₹5,00,000
Tenure: 2 to 36 months
USP: Credit line facility, you pay interest only on what you use.
3. PaySense
Loan Range: ₹5,000 – ₹5,00,000
Tenure: 3 to 60 months
USP: Instant approval, no prior credit history needed.
4. LazyPay
Loan Range: ₹1,000 – ₹1,00,000
Tenure: Up to 12 months
USP: Instant credit limit with a “buy now, pay later” option.
5. CASHe
Loan Range: ₹7,000 – ₹4,00,000
Tenure: 15 days to 1 year
USP: Social profile-based credit decision instead of CIBIL check.
Eligibility Criteria for No Credit Score Loans
Even though these apps don’t check your credit history, you still need to meet some basic criteria:
Age: 21 to 60 years
Indian resident with valid ID proof
Steady income source (salary slip, bank statement, or ITR)
Valid PAN card & Aadhaar card
Active bank account for loan disbursement
Documents Required
Aadhaar Card
PAN Card
Salary Slip / Bank Statement (last 3–6 months)
Recent Passport-size Photograph
Pros and Cons
✅ Pros
No CIBIL score required
Instant disbursement
100% paperless process
Ideal for emergencies
⚠️ Cons
Higher interest rates compared to banks
Shorter repayment periods in some cases
Late payment penalties can be steep
Tips to Use Instant Loan Apps Wisely
Borrow Only What You Need – Avoid over-borrowing to reduce repayment burden.
Read Terms Carefully – Check interest rates, fees, and penalties before applying.
Repay on Time – Timely repayment helps you build a good credit score for the future.
Avoid Multiple Applications – Applying with many apps at once can hurt your approval chances.
1. KreditBee – The First Choice for Beginners
Overview:
KreditBee is one of India’s most popular instant loan apps, known for its fast approvals and flexibility for first-time borrowers. Backed by RBI-registered NBFCs, it provides both small-ticket emergency loans and larger personal loans.
Loan Details:
Amount: ₹1,000 – ₹3,00,000
Tenure: 3–24 months
Interest Rate: 12% – 24% p.a.
Processing Fee: 2% – 6% of loan amount
Eligibility:
Age: 21+
Minimum income: ₹15,000/month
Aadhaar & PAN mandatory
Bank account with net banking
Pros:
Very fast disbursement (10 minutes for repeat customers)
Allows small loans for beginners
Easy-to-use mobile app interface
Cons:
Higher interest for smaller loans
Processing fee is deducted upfront
Case Example:
Ravi, a software engineer in Hyderabad, borrowed ₹20,000 for urgent car repairs. He received the funds in 12 minutes and repaid over 4 months, building his first credit history.
2. MoneyTap – The Revolving Credit Line Option
Overview:
MoneyTap is different from other instant loan apps — it offers a credit line instead of a one-time personal loan. You’re approved for a limit (up to ₹5 lakh) but pay interest only on the amount you use.
Loan Details:
Amount: ₹3,000 – ₹5,00,000
Tenure: 2–36 months
Interest Rate: From 13% p.a.
Processing Fee: 2%
Eligibility:
Salaried or self-employed
Minimum income ₹20,000/month
PAN & Aadhaar KYC
Pros:
Pay interest only on used amount
Flexible withdrawals anytime
Long repayment periods available
Cons:
Not ideal for one-time small loans
Processing fee on each withdrawal
Case Example:
Anita, a marketing executive, was approved for ₹3,00,000. She used only ₹50,000 for a medical bill, repaid it in 6 months, and paid interest only on ₹50,000.
3. PaySense – No Credit History Required
Overview:
PaySense is designed for borrowers with no prior credit history. It offers medium to large loans with a fully digital application process.
Loan Details:
Amount: ₹5,000 – ₹5,00,000
Tenure: 3–60 months
Interest Rate: 16% – 28% p.a.
Processing Fee: 2.5%
Eligibility:
Salaried or self-employed
Minimum income ₹15,000/month
PAN & Aadhaar mandatory
Pros:
High approval rates for first-timers
Long tenure options
Quick loan top-up feature
Cons:
Higher interest rates for new customers
Processing fee charged on every loan
Case Example:
Kunal, a fresh graduate, needed ₹40,000 for a skill development course. PaySense approved it without any credit score requirement, and he repaid in 12 months.
4. LazyPay – Buy Now, Pay Later + Loans
Overview:
LazyPay is best known for its BNPL (Buy Now, Pay Later) service but also offers instant personal loans for users with good repayment history within the app.
Loan Details:
Amount: ₹1,000 – ₹1,00,000
Tenure: 3–12 months
Interest Rate: 15% – 32% p.a.
Eligibility:
21+ years old
Aadhaar & PAN required
Good repayment record within app
Pros:
Instant approval for eligible users
BNPL and EMI conversion available
Flexible repayment dates
Cons:
High interest for smaller loans
Lower limits for new users
Case Example:
Ritika bought a ₹20,000 phone via LazyPay BNPL and converted it to a 6-month loan without any credit score check.
Final Thoughts
Instant loan apps with no credit score check are a game-changer for people who need quick cash without the hassle of traditional banking. However, they should be used responsibly. Borrow only when necessary and ensure timely repayment to avoid debt traps.
With the right approach, these apps can be a great financial backup for emergencies—especially if you are new to credit or have a low credit score.
