Best Instant Loan App in India Without Salary Slip


What do you typically do when you’re faced with a situation and require financial situation?The best option available, to you is to consider a loan. While most banks and financial institutions offer loans the process can be quite time consuming. The documentation procedures can also be quite cumbersome not to mention the requirement of having a credit record. However in situations the ideal alternative would be to explore the instant loan app in India that doesn’t require a salary slip. This option comes with advantages, including;

  • Quick approvals and fast payments.
  • High level of flexibility and easy eligibility criteria.
  • No need, for collateral or security.
  • documentation processes.
  • User friendly features.

Best Instant Loan App in India Without Salary Slip

MoneyTap Loan:

  • Download MoneyTap from Google PlayStore or AppStore.
  • Quick approvals in 4-5 minutes with a credit line of up to Rs 5 lakhs.
  • Interest rates range from 1.08 to 2.3% per month.
  • No salary slip is required, making it India’s top instant loan app.

PaySense Loan:

  • Offers instant personal loans ranging from Rs 5,000 to Rs 5 lakhs.
  • Partnered with reputed banks for a seamless application process.
  • Allows individuals with no previous credit history to apply.
  • Quick approval, documentation, and disbursement.


  • Instant approvals, simple registration, and no CIBIL score requirement.
  • Loans from Rs 3,000 to Rs 5 lakhs at interest rates between 1.5 to 2.5%.
  • Facility to extend credit period if needed.
  • Auto-debits and auto credits for convenient repayment.


  • Quick loan app for students, freelancers, and small business owners.
  • QR-based revolving line of credit within five minutes.
  • Just requires an Aadhar card to check eligibility and make the payments.
  • A maximum loan amount of Rs 2 lakh with yearly interest rates of 14% to 30%.

Smart Coin:

  • Provides easy personal loans for urgent cash needs.
  • Offers small loans up to Rs 70,000 for the middle and low-income segments.
  • Instant loans based on PAN and Aadhar cards.
  • Repayable between 91 and 270 days with interest rates of 20 to 36% annually.

Dhani Card:

  • Loans up to Rs 5 lakhs at interest rates between 1 and 3.17% per month.
  • Credit line without linking the bank account at 0% interest.
  • Repayable in three interest-free installments.
  • Exciting cashbacks and discounts available on Dhani Store.

mPokket Loan:

  • Apply for fast, short-term personal loans accepted by employees with salaries and students.
  • The interest rates on loans start at 3.5% and range from Rs 500 to Rs 30,000.
  • Completely online approval process in a day.
  • Disbursal to digital wallets like PayTM.

CASHe Loan:

  • User-friendly interface with single approval for multiple loans.
  • Personal loans up to Rs 5 lakhs with interest rates starting from 1.75%.
  • Direct deposit into the bank account and auto-debit facility available.
  • Requires a decent credit score for eligibility.

Home Credit:

  • Avail personal loans up to Rs 2 lakhs with PAN card and ID/address proof.
  • Loans for individuals without any credit history.
  • Repayable over 26 months at interest rates between 2.4 and 3.3% per month.
  • Accessible online portal for individuals between 19 and 65 years.

Money View Loan:

  • Unique credit rating model to determine maximum loan eligibility.
  • Check loan eligibility in two minutes with mobile number and OTP verification.
  • Loans up to Rs 5 lakhs with 100% cashless and paperless procedure.
  • You can expect to receive the funds within a day. The interest rate would be 2%, per month.

best instant loan app in india without salary slip

Key Highlights 

Loan Amount Interest Rates Loan Duration Fees and Charges Best Feature
MoneyTap Loan Up to Rs 5 lakhs 1.08% to 2.3% per month Up to 36 months Varies; Quick approvals in 4-5 minutes
PaySense Loan Rs 5,000 to Rs 5 lakhs 16% to 36% per annum Up to 60 months Varies; Quick approval and disbursal
Nira Rs 3,000 to Rs 5 lakhs 1.5% to 2.5% per month Varies; Credit period extension available No fees mentioned; Instant approvals
Kissht Up to Rs 2 lakhs 14% to 30% per annum Not specified Aadhar card only; 100% digital process
Smart Coin Up to Rs 70,000 20% to 36% annually 91 to 270 days Not specified; Instant personal loans based on PAN and Aadhar
Dhani Card Up to Rs 5 lakhs 1% to 3.17% per month Repayable in 3 interest-free installments Cashbacks and discounts; 0% interest credit line
mPokket Loan Rs 500 to Rs 30,000 Starting at 3.5% per month Not specified Entirely online approval; Disbursal to digital wallets
CASHe Loan Up to Rs 5 lakhs Starting from 1.75% Not specified User-friendly interface; Single approval for multiple loans
Home Credit Up to Rs 2 lakhs 2.4% to 3.3% per month Repayable over 26 months Depends on credit score; Loans for individuals without credit history
Money View Loan Up to Rs 5 lakhs Around 2% per month Not specified Credit rating model; Disbursal within 24 hours


In conclusion, the best instant loan app in india without salary slip an easy and fast method to handle unexpected expenses. They have become popular options for individuals looking for without any problems personal loans because of their user-friendly features, fast approval processes, and flexible payback dates. Select the option that best works with your needs to receive immediate cash help when you most need it.

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