20 Best Instant Loan Apps Without Salary Slip {Urgent Cash Up to 5-25 Lakhs}!

Hello Friends! From this article, we are going to discuss 20 best instant loan apps without salary slip and bank statement as well as how to apply for them along with their features and benefits. Now we making ensure that after reading our best instant loan app In India without salary slip list; you can select the right app that offers you loans at fewer EMIs and Lowest Interest Rate.

Now these days, in world everyone has to need money; it doesn’t matter that he is doing work in government sector or private sector. Therefore, you should be known about some trending top instant loan apps in India without salary slip; and these platforms provide you and urgent cash loan and complete your goals.

At the same time, if with you and your organization also doesn’t provide you a salary slip and you want to get a loan without salary slip, and then don’t worry! Because, now you have visited at the right page, here you will get to know best apps; which help to offer an instant loan without getting any salary slip.

Keeping in mind; at the initially stage, you will be eligible to get a less loan amount with litter higher interest. When as you repaying this loan amount on time; then further you can approach for getting a higher amount of loan.

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  1. Why Does You Need the Instant Loan?
  2. Top 10 Instant Loan Apps without Salary Slips in India
  • MoneyTap Loan
  • PaySense Loan
  • KreditBee
  • NIRA
  • CASHe
  • Navi Personal Loan
  • IndiaLends
  • Dhani
  • Home Credit
  • MoneyView
  • LazyPay
  • Bajaj Finserv
  • ZestMoney
  • Fullerton India
  • CashBean
  • FlexSalary
  • Credy
  • Buddy Loan
  • LoanTap
  • StashFin
  1. How to Get an Instant Loan without Salary Slip?
  2. FAQs (Frequently Asked Questions)
  • How does an instant loan app without a salary slip work?
  • What are the eligibility criteria for availing a loan through an instant loan app without a salary slip?
  • How long does it take to receive the loan amount?
  • How do I repay the loan obtained through an instant loan app without a salary slip?
  • Are there any risks associated with using instant loan apps without a salary slip?
  • Which app is best for loan without salary slip?

Let’s Get Started!!

Why Does You Need the Instant Loan?

There are several reasons why someone might need an instant loan. Here are some common situations where people may seek instant loans:

Best-Loan-Apps-Without-Salary-Slip

Financial Emergencies: Unexpected expenses can arise, such as medical bills, car repairs, or home repairs. When faced with these urgent situations, individuals may require immediate access to funds to cover the costs.

Cash Flow Issues: Sometimes, individuals may experience temporary cash flow problems due to delays in receiving salary or payments, and they may need a quick infusion of funds to meet their immediate financial obligations.

Debt Consolidation: If someone is struggling with multiple debts and high-interest rates, they may opt for an instant loan to consolidate their debts into a single, more manageable monthly payment.

Business Needs: Small business owners may require instant loans to manage cash flow, purchase inventory or equipment, or seize growth opportunities that require immediate capital.

Opportunity or Investment: There are times when a time-sensitive investment opportunity presents itself, such as buying stocks during a market dip or acquiring a discounted asset. In such cases, individuals may seek an instant loan to take advantage of the opportunity before it passes.

Personal Goals and Aspirations: Whether it’s pursuing further education, planning a wedding, or traveling, individuals may require immediate funds to achieve their personal goals and aspirations.

Instant loans provide a way to access funds quickly and conveniently, allowing individuals to address their financial needs in a timely manner.

Top 10 Instant Loan Apps without Salary Slips in India

In this section, we will show you 20 best instant loan apps; and these apps offer quick and hassle-free loans without the need for income proof; below shown each one in detail, you can see them:

MoneyTap Loan

MoneyTap is a financial technology company based in India that provides personal loans through its mobile application. The MoneyTap app allows users to access credit lines and borrow money as per their requirements. It offers instant approval and disbursal of funds, making it convenient for individuals to meet their financial needs.

Loan Amount

Up to 5,00,000

Interest Rates

1.08 to 2.3% per month

Loan Tenure

up to 36 months

Fees & Charges

2% + GST

To avail a loan through MoneyTap, you need to follow these general steps:

  • Download the MoneyTap mobile application from the Google Play Store or Apple App Store.
  • Install the app and complete the registration process by providing the required information, such as your name, mobile number, and email address.
  • Once registered, you will need to provide additional details and documents for identity verification, income proof, and address proof. The specific documents required may vary based on the partnership between MoneyTap and the lending institution.
  • After the verification process, you will receive a credit limit offer based on your creditworthiness and eligibility. This credit limit represents the maximum amount you can borrow from MoneyTap.
  • Once approved, you can use the MoneyTap mobile app to withdraw funds as per your requirements. The withdrawn amount will be added to your credit line, and you can repay it in flexible EMIs (Equated Monthly Instalments).
  • Interest will be charged only on the amount you withdraw, not on the entire credit limit. You can choose to repay the borrowed amount in multiple EMIs ranging from a few months to a few years.

It’s important to note that the specific terms and conditions, interest rates, and repayment options may vary depending on the lending institution partnered with MoneyTap. It’s recommended to thoroughly read and understand the terms before availing a loan. Additionally, please note that the information provided here is based on general knowledge and may not reflect the most up-to-date offerings from MoneyTap.

It’s always best to visit their official website or contact their customer support for the latest and accurate information.

PaySense Loan

PaySense was a digital lending platform based in India. Now, PaySense platform had been acquired by PayU, a leading online payment service provider. Following the acquisition, PaySense was rebranded as “PayU Finance” and integrated into PayU’s existing product offerings.

PayU Finance offers a variety of financial products, including personal loans, consumer durable loans, and education loans. They aim to provide hassle-free, quick, and convenient loan options to individuals through their online platform.

Loan Amount

between Rs 5,000 and Rs 5 lakhs

Interest Rates

16% and 36% per annum

Loan Tenure

maximum 60 months

Fees & Charges

Up to 3% of total loan amount

To apply for a loan with PaySense, you would typically follow these steps:

  • Visit the PaySense website or download the PaySense mobile app from the relevant app store.
  • Create an account by providing your personal details, such as your name, contact information, and email address.
  • Provide the necessary documents, which may include identity proof (such as Aadhaar card, PAN card, or passport), address proof, income proof, and bank statements. The specific documents required may vary, so it’s best to check the PaySense website or app for the most up-to-date information.
  • Fill in the loan application form, including details such as the loan amount you require and the desired repayment tenure.
  • Submit the application and wait for it to be processed. PaySense will review your application, documents, and creditworthiness.
  • If your application is approved, you will receive a loan offer with the loan amount, interest rate, and repayment terms. Review the offer and if you agree to the terms, proceed to accept it.
  • Once you accept the loan offer, the funds will be disbursed to your bank account.

We recommend visiting the official PaySense website or contacting their customer support for the most accurate and up-to-date information on how to apply for a loan.

KreditBee

KreditBee is a digital lending platform that provides personal loans to individuals in India. It offers quick and hassle-free loans to self-employed individuals who are in need of immediate funds for various purposes, such as medical emergencies, education expenses, travel, weddings, and more.

Loan Amount

Up to 2 lakhs

Interest Rates

13% and 36% per annum

Loan Tenure

maximum 24 months

Fees & Charges

Up to 3% with GST

To apply for a loan with KreditBee, you can follow these steps:

  • Visit the KreditBee website or download the KreditBee mobile app from your app store.
  • Create an account by providing your mobile number and verifying it with the OTP (One-Time Password) sent to your mobile number.
  • Once your account is created, log in to your KreditBee account using your registered mobile number and password.
  • Complete your profile by providing the necessary personal information, such as your name, age, address, employment details, and income details. Make sure to provide accurate and up-to-date information.
  • After completing your profile, you will be able to see the loan options available to you. Select the loan amount and repayment duration that suits your requirements.
  • Once you have chosen the loan amount and repayment duration, review the terms and conditions associated with the loan carefully. Make sure you understand the interest rates, processing fees, and any other applicable charges.
  • If you agree with the terms and conditions, proceed to submit your loan application.
  • KreditBee will evaluate your application based on various factors, including your creditworthiness and repayment capacity.
  • If your loan application is approved, you will receive the loan amount directly into your bank account or the provided wallet within a short period, usually within a few hours or business days.

Visit to their official website or contact their customer support for the most accurate and up-to-date information regarding the loan application process.

NIRA

NIRA offers the quick and convenient loans to individuals and small businesses through their mobile app. They utilize advanced data analytics and technology to assess creditworthiness and provide instant loan decisions. It also offers various financial solutions, including loans, credit scoring, and digital banking services.

Loan Amount

Up to 1 lakhs

Interest Rates

Up to 25% per annum

Loan Tenure

maximum 12 months

Fees & Charges

Up to 2% with GST

CASHe

CASHe is a digital lending platform that provides personal loans in India. It is designed to offer quick and convenient access to short-term loans for salaried individuals. CASHe evaluates the creditworthiness of borrowers using a proprietary algorithm and offers instant loan approval and disbursal through its mobile app.

Loan Amount

Up to 4 lakhs

Interest Rates

Up to 35% per annum

Loan Tenure

maximum 48 months

Fees & Charges

Up to 2% with GST

To apply for a CASHe loan, you can follow these general steps:

  • Download the CASHe App: Visit your device’s app store (such as Google Play Store for Android or the Apple App Store for iOS) and search for the “CASHe” app. Download and install the app on your smartphone.
  • Register and Create an Account: Open the CASHe app and register as a new user. You will need to provide your personal information such as your name, mobile number, email address, and create a password. Follow the prompts to complete the registration process.
  • Complete Profile and Upload Documents: After creating your account, you will be required to complete your profile. This may involve providing additional details such as your employment information, income details, and uploading supporting documents. The specific documents required may include your PAN card, Aadhaar card, bank statements, and salary slips. Ensure that you have these documents ready in digital format.
  • Submit Loan Application: Once your profile is complete and all the required documents are uploaded, proceed to submit your loan application within the CASHe app. You will need to enter details such as the desired loan amount and repayment tenure. Provide accurate information to the best of your knowledge.
  • Wait for Approval: CASHe will assess your loan application and review the information provided. They will evaluate your creditworthiness using their proprietary algorithm. If your application is approved, you will receive a notification within the app regarding the loan approval status.
  • Accept Loan Offer: If your loan application is approved, you will be presented with the loan offer, including the loan amount, interest rate, repayment schedule, and any applicable fees. Review the terms and conditions carefully. If you agree to the terms, proceed to accept the loan offer.
  • Disbursement of Funds: Once you accept the loan offer, the approved loan amount will be disbursed directly to your registered bank account within a short period, usually within a few hours or the next business day.

It’s advisable to refer to the official CASHe website or contact their customer support for the most accurate and up-to-date information on how to apply for a CASHe loan.

Navi Personal Loan

Navi is a financial technology (fintech) company based in India that offers various financial products and services, including personal loans via own app and official website. Navi Personal Loan is a type of loan provided by Navi to individuals for personal use, such as for medical expenses, education, home renovation, debt consolidation, or any other legitimate financial need.

Loan Amount

Up to 20 lakhs

Interest Rates

9.9% Onwards

Loan Tenure

maximum 72 months

Fees & Charges

3%-6% processing fee up to 50,000

To apply for a Navi Personal Loan, you would typically need to go through the following steps:

Research and Compare: Visit Navi’s official website or download app to gather information about their personal loan offerings. Compare interest rates, loan amounts, repayment terms, and any additional fees or charges associated with the loan.

Eligibility Check: Determine if you meet the eligibility criteria set by Navi for their personal loans. This typically includes factors such as age, income, employment stability, credit score, and other requirements specified by the lender.

Application: If you meet the eligibility criteria, you can proceed with the loan application. This may involve filling out an online application form and providing necessary documents, such as identification proof, income proof, bank statements, and address proof.

Verification and Approval: Navi will review your application and verify the provided information and documents. They may contact you for further clarification or additional documentation if needed. Once the verification process is complete and your application is approved, you will receive a loan offer with the loan amount, interest rate, and repayment terms.

Acceptance and Disbursal: If you are satisfied with the loan offer, you can accept it by signing the loan agreement. After accepting, the loan amount will be disbursed to your bank account as per the agreed-upon terms.

Consider comparing multiple loan options from different lenders to ensure you’re getting the best possible terms for your personal circumstances.

IndiaLends

IndiaLends is a financial technology platform based in India that offers various financial products and services, including personal loans, credit cards, and free credit reports. It connects borrowers with lenders and aims to simplify the loan application process for individuals.

Loan Amount

Up to 50 lakhs

Interest Rates

Up to 25% annual

Loan Tenure

maximum 60 months

Fees & Charges

Up to 2% with GST

How to apply for a loan through the IndiaLends app, you can follow these steps:

  • Download the IndiaLends App: Visit the Google Play Store (for Android) or the Apple App Store (for iOS) and search for “IndiaLends.” Download and install the official IndiaLends app on your mobile device.
  • Sign up or Log in: Open the app and either sign up for a new account or log in if you already have an existing IndiaLends account.
  • Select the Loan Type: Once you are logged in, choose the type of loan you want to apply for, such as a personal loan or credit card.
  • Provide Personal Details: Fill out the application form with your personal information, including your name, date of birth, contact details, employment details, and income details. Ensure that you enter accurate and up-to-date information.
  • Choose Loan Preferences: Specify your loan requirements, such as the desired loan amount and repayment tenure. This will help IndiaLends match you with suitable loan options.
  • Upload Documents: Use the app’s document upload feature to submit the required documents. These may include identity proof, address proof, income proof, and other relevant documents. Follow the app’s instructions to upload clear and legible copies of the documents.
  • Consent to Credit Check: Provide consent for IndiaLends to access your credit information to evaluate your creditworthiness.
  • Compare Loan Offers: Once you have submitted your application and documents, IndiaLends will analyze your information and present you with multiple loan offers from various lenders. Compare the offers based on interest rates, loan amount, repayment terms, and other factors.
  • Select Loan Offer: Choose the loan offer that best suits your requirements and financial situation.
  • Complete the Application Process: Follow the instructions provided by IndiaLends and the lender to complete the application process. This may involve additional documentation and verification.
  • Loan Approval and Disbursal: If your loan application is approved by the lender, they will initiate the disbursal process. The loan amount will be transferred to your bank account as per the lender’s timeline.

Dhani

Dhani Loan is a financial service provided by Dhani Services Limited, an Indian company. Dhani Loan offers personal loans to eligible individuals in India. The loan application process is primarily conducted online through their website or mobile application. Dhani Loan claims to provide quick disbursals and minimal documentation requirements. The loan amount and interest rates may vary based on factors such as the applicant’s creditworthiness and repayment capacity.

Loan Amount

Up to 15 lakhs

Interest Rates

Up to 15% annual

Loan Tenure

maximum 60 months

Fees & Charges

Up to 2% with GST

How to apply for a Dhani Loan via the app, you can follow these general steps:

  • Download and Install the Dhani App: Visit the app store on your mobile device (Google Play Store for Android or Apple App Store for iOS) and search for the “Dhani” app. Download and install the official Dhani app.
  • Register an Account: Open the Dhani app and register for a new account. You will typically need to provide your mobile number, email address, and create a password. Follow the on-screen instructions to complete the registration process.
  • Complete KYC Verification: After registering, you will be prompted to complete the Know Your Customer (KYC) verification process. This may involve providing your personal details, uploading identity documents (such as Aadhaar card, PAN card, etc.), and submitting a photograph. Follow the instructions and provide the necessary information as requested.
  • Check Loan Eligibility: Once your KYC verification is complete, you can check your loan eligibility within the app. Dhani app usually provides a simple interface where you can enter details such as loan amount, repayment tenure, and purpose of the loan to see if you qualify.
  • Apply for the Loan: If you meet the eligibility criteria, you can proceed to apply for the loan. Enter the required loan amount, select the repayment tenure, and provide any additional information requested. Dhani app may also ask for your bank account details for loan disbursement and repayment purposes.
  • Submit Documentation: Depending on the loan amount and other factors, Dhani may require you to submit supporting documents. These documents may include bank statements, salary slips, income tax returns, etc. You can usually upload these documents directly within the app.
  • Review and Accept Loan Terms: Once you have provided all the required information and documents, carefully review the loan terms, including the interest rate, processing fee, repayment schedule, and any other applicable charges. If you agree to the terms, proceed to accept them.
  • Loan Disbursement: After the loan application is submitted, Dhani will review your application and perform the necessary checks. If approved, the loan amount will be disbursed to your bank account linked with the app. The timeframe for disbursal may vary based on several factors.

To get the most accurate and up-to-date information, I recommend downloading the Dhani app and referring to their official documentation or contacting Dhani customer support for assistance.

Home Credit

Home Credit is a global consumer finance provider that offers loans to individuals for purchasing various goods and services. It operates in multiple countries and aims to provide financial inclusion to people who may have limited access to traditional banking services.

Home Credit specializes in providing small and medium-sized loans, often referred to as installment loans or consumer loans. These loans are typically used for purchasing consumer durables such as electronics, appliances, furniture, and other goods. The loan amount and repayment terms vary depending on the country and specific product being financed.

Loan Amount

Up to 2.5 lakhs

Interest Rates

Up to 32% annual

Loan Tenure

maximum 51 months

Fees & Charges

Nil

How to apply for a Home Credit loan through their mobile app, please follow these general steps:

  • Download and install the Home Credit loan app from your device’s app store. Ensure that you are downloading the official app published by Home Credit or their authorized representative.
  • Once the app is installed, open it on your device.
  • If you’re a new user, you’ll need to create an account. Look for a “Sign Up” or “Register” option within the app and provide the required information, such as your personal details, contact information, and any other details requested.
  • After creating an account or if you’re an existing user, log in to the app using your registered credentials, such as your username and password.
  • Once logged in, navigate through the app to find the loan application section. It may be labeled as “Apply for Loan” or similar.
  • Follow the instructions provided within the app to complete the loan application. You’ll likely be asked to provide details such as the loan amount you require, the purpose of the loan, your employment information, and other relevant personal and financial details.
  • Fill in all the required information accurately and double-check for any errors before submitting the application.
  • After submitting the loan application, you may receive an instant decision or be notified about the further steps involved. Home Credit may need to review your application and assess your creditworthiness before approving the loan.
  • If your loan application is approved, you’ll be informed about the loan terms, repayment schedule, and any other relevant details. Review these carefully before proceeding.
  • If you accept the loan offer, you may be required to provide additional documentation or complete any remaining steps to finalize the loan agreement. Follow the instructions provided by the app to complete these processes.
  • Once all the necessary steps are completed, the approved loan amount will be disbursed to your designated account or made available for your intended purchase.

MoneyView

MoneyView is a financial management and budgeting app that helps individuals track their expenses, manage their finances, and achieve their financial goals. It provides users with a comprehensive overview of their income, expenses, and savings, allowing them to make informed decisions about their money.

Loan Amount

Up to 5 lakhs

Interest Rates

Up to 35% annual

Loan Tenure

maximum 30 months

Fees & Charges

3% with GST

How to apply for a loan through the MoneyView app, follow these general steps:

  • Visit the Google Play Store (for Android users) or the App Store (for iOS users) and search for “MoneyView.” Download and install the app on your smartphone.
  • Open the app and create a new account if you’re a first-time user. If you already have an account, log in using your existing credentials.
  • MoneyView will require you to provide personal details such as your name, address, contact information, and employment details. You may also need to provide your bank account details.
  • Fill in all the required information in your MoneyView profile. You may be asked to verify your identity and income by submitting relevant documents such as PAN card, Aadhaar card, salary slips, or bank statements. Follow the app’s instructions to complete the verification process.
  • MoneyView will assess your eligibility for a loan based on the information you provided. The app will consider factors like your credit score, income, and repayment capacity.
  • Once your eligibility is determined, you can select the desired loan amount and repayment terms that suit your needs. MoneyView will provide you with options based on your eligibility.
  • Carefully review the loan terms, interest rates, processing fees, and other details provided by MoneyView. If you agree with the terms and conditions, submit your loan application through the app.
  • MoneyView will review your application and assess your creditworthiness. This process may take some time, and you may receive updates on your loan application status through the app.
  • If your loan application is approved, MoneyView will disburse the loan amount directly to your bank account. You may need to provide your bank account details for the disbursal

Make sure to carefully read and follow the instructions provided by the app during the loan application process.

Other Instant Loan Approval App Lists

LazyPay

Loan Amount

Up to 1 lakhs

Loan Tenure

maximum 36 months

How to apply for a LazyPay loan via the app, you can follow these steps:

  • Visit your mobile device’s app store (Google Play Store for Android or the App Store for iOS) and search for “LazyPay.” Download and install the app on your device.
  • Open the app and sign up for a new account. You’ll need to provide your personal details such as your name, email address, mobile number, and create a password. Follow the on-screen instructions to complete the registration process.
  • Once you’ve created your account, you may be asked to provide additional information to complete your profile. This may include details like your address, employment information, and income details. Fill in the required information accurately.
  • LazyPay may require you to verify your identity. This could involve submitting identification documents such as your Aadhaar card, PAN card, or driver’s license. Follow the instructions in the app to complete the verification process.
  • After completing your profile and identity verification, you can check your eligibility for a loan. The app will typically ask for information about your income, employment, and credit history to assess your eligibility.
  • If you are eligible, you can select the loan amount you wish to apply for and the repayment tenure that suits you best. The app may provide you with various options based on your eligibility.
  • Once you’ve selected the loan amount and tenure, review the terms and conditions associated with the loan. If you agree, proceed to submit your loan application through the app. Double-check all the information you provide to ensure accuracy.
  • After submitting your loan application, the app will typically provide you with an update on the status of your application. It may take some time for the approval process to complete. LazyPay may conduct a quick review of your application and verify the details you provided.
  • If your loan application is approved, the funds will be disbursed to your bank account or wallet linked to the LazyPay app. You can usually track the loan disbursement and repayment details within the app.

Remember to carefully review the terms and conditions of the loan, including the interest rates, repayment schedule, and any additional charges or fees associated with the loan.

Bajaj Finserv

Loan Amount

Up to 25 lakhs

Loan Tenure

maximum 60 months

How to apply for a Bajaj Finserv loan through the app, you can follow these steps:

  • Visit the Google Play Store (for Android) or the App Store (for iOS) on your smartphone. Search for the “Bajaj Finserv” app and download it to your device.
  • Open the app and either register as a new user or log in using your existing Bajaj Finserv account credentials. If you don’t have an account, you can create one by providing the required details.
  • Once you’re logged in, navigate to the loan section or home screen, where you’ll find a list of loan categories offered by Bajaj Finserv. Select the loan type that suits your requirements, such as personal loan, home loan, business loan, etc.
  • Provide the necessary information related to the loan you wish to apply for. This may include the loan amount, preferred tenure, purpose of the loan, etc. Make sure to enter accurate details to avoid any discrepancies later on.
  • Bajaj Finserv may require certain documents to process your loan application. The app will guide you through the document submission process. You may need to upload scanned copies or clear photographs of documents such as identification proof, address proof, income proof, bank statements, etc.
  • Before submitting your loan application, review all the information you’ve entered to ensure it’s accurate. Pay attention to the terms and conditions, interest rates, and repayment schedule. Once you are satisfied with the details, submit your application.
  • After submitting your loan application, you can track its status through the app. Bajaj Finserv will provide updates on the progress of your application, such as approval, verification, or any additional documentation required.

ZestMoney

Loan Amount

Up to 10 lakhs

Loan Tenure

maximum 60 months

How to apply for a ZestMoney loan through the app, you can follow these steps:

  • Download and install the ZestMoney app from the Google Play Store or Apple App Store on your mobile device.
  • Open the ZestMoney app and create an account if you don’t have one already. You will need to provide your basic personal information, such as your name, email address, and mobile number, to sign up.
  • Once you’ve created an account, log in to the ZestMoney app using your credentials.
  • On the app’s home screen, you will find various loan options available. Browse through the options and select the one that suits your needs. ZestMoney offers loans for a variety of products, including electronics, appliances, travel bookings, and more.
  • After selecting the loan option, you will be asked to provide additional information to complete your application. This may include details such as your employment status, monthly income, and residential address. Make sure to fill in the required information accurately.
  • Once you’ve provided all the necessary information, ZestMoney will evaluate your application. They use their proprietary credit-scoring algorithm to determine your loan eligibility. This process is usually quick, and you will receive a decision regarding your loan application within a few minutes.
  • If your application is approved, you will be presented with the loan offer, including the loan amount, interest rate, and repayment terms. Carefully review the terms and conditions before accepting the offer.
  • If you agree to the loan terms, you can proceed to e-sign the loan agreement through the app. This will involve digitally signing the agreement using your registered email address or mobile number.
  • Once you’ve signed the loan agreement, ZestMoney will disburse the loan amount to the merchant or service provider where you wish to make your purchase. The amount will be credited directly to the merchant, allowing you to complete your purchase.

It’s important to note that the exact steps and user interface may vary slightly based on updates to the ZestMoney app. Therefore, it’s recommended to refer to the app’s instructions and prompts while applying for a loan.

Fullerton India

Loan Amount

Up to 25 lakhs

Loan Tenure

maximum 60 months

How to apply for a loan from Fullerton India via their mobile app, you can follow these general steps:

  • Visit the app store on your mobile device (Google Play Store for Android or Apple App Store for iOS) and search for “Fullerton India.” Download and install the official Fullerton India app.
  • Open the app and either register as a new user or log in using your existing Fullerton India credentials. If you’re a new user, you’ll need to provide your personal details, contact information, and create a username and password.
  • After registration, you might need to verify your mobile number by entering the OTP (One-Time Password) sent to your registered phone number.
  • Once you’re logged in, navigate through the app to find the loan options available. Fullerton India offers various types of loans, such as personal loans, home loans, business loans, and more. Choose the type of loan you’re interested in.
  • Fill in the application form with accurate information. You’ll typically need to provide details like your name, address, employment information, income details, desired loan amount, and the purpose of the loan.
  • Fullerton India may require you to upload supporting documents for verification purposes. These documents may include identity proof (such as Aadhaar card, PAN card, passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and any additional documents specific to the loan type.
  • Double-check all the entered information and uploaded documents to ensure accuracy. Make any necessary corrections, if required. Once you’re satisfied, submit your loan application.
  • After submission, your loan application will undergo a verification and approval process by Fullerton India. They will evaluate your application and documents to determine your eligibility. If approved, you will receive the loan amount in your designated bank account.

It’s advisable to refer to the official Fullerton India website or contact their customer support for the most up-to-date information regarding the loan application process via their mobile app

CashBean

Loan Amount

Up to 60,000

Loan Tenure

maximum 6 months

How to apply for a loan through the CashBean app, you can follow these general steps:

  • Visit the respective app store on your mobile device (Google Play Store for Android or Apple App Store for iOS) and search for “CashBean.” Download and install the app on your device.
  • Open the CashBean app and register for an account. You’ll typically be asked to provide your mobile number and create a password. Follow the instructions provided to complete the registration process.
  • After registering, you’ll need to provide personal information such as your name, age, gender, and address. Enter the required details accurately.
  • CashBean may require you to provide information about your employment, including your employer’s name, your monthly income, and your occupation. Enter the necessary information as requested.
  • Provide your banking details, including your bank account number and IFSC code. This information is necessary for the loan disbursement process.
  • Once you have completed the registration and provided all the required information, you can proceed to apply for a loan. The app will usually have a section or button dedicated to loan applications. Click on it to start the loan application process.
  • Select the desired loan amount and the repayment tenure that suits your needs. The loan amount offered may vary based on your eligibility and other factors.
  • CashBean may require you to submit certain documents for verification purposes. These documents can include identification proof (such as Aadhaar card or PAN card), address proof, income proof, and bank statements. Follow the app’s instructions to upload the necessary documents.
  • Carefully review the terms and conditions provided by CashBean, including the interest rates, processing fees, and repayment schedule. Make sure you understand all the terms before proceeding.
  • Once you have reviewed all the details and are satisfied, submit your loan application through the app. The app will usually provide an acknowledgment or confirmation of your application submission.
  • CashBean will review your application, and if approved, the loan amount will be disbursed directly to your registered bank account. The time it takes for approval and disbursement can vary.

FlexSalary

Loan Amount

Up to 2 lakhs

Loan Tenure

maximum 36 months

How to apply for a FlexSalary loan via the app, please follow these steps:

  • Visit your mobile device’s app store (such as the Google Play Store for Android or the App Store for iOS) and search for “FlexSalary.” Download and install the official app developed by FlexSalary.
  • Open the app and register for a new account. Provide the required information, including your name, contact details, email address, and any other requested information. Create a username and password to secure your account.
  • Once you’ve created your account, log in to the app and complete your profile by providing additional details, such as your employment information, income details, and any other necessary information that may be required for the loan application.
  • Within the app, you should find various loan options available. Explore the different loan products offered by FlexSalary and select the one that suits your needs and preferences. These options might include the loan amount, repayment terms, and interest rates.
  • FlexSalary may require certain documents to verify your identity, income, and employment details. The app will guide you through the document submission process. You may need to upload clear images or scanned copies of your ID proof, address proof, income statements, bank statements, and any other relevant documents as per their requirements.
  • Once you have filled in all the necessary information and uploaded the required documents, review your application details to ensure accuracy. After verifying everything, submit your loan application through the app.
  • After submitting your loan application, it will be reviewed by the FlexSalary team. They will assess your eligibility and verify the information provided. If your application is approved, you will receive the loan amount directly into your bank account or as per the disbursement method specified by FlexSalary.

It’s important to note that the exact process may vary depending on the specific features and functionalities of the FlexSalary app. Make sure to carefully follow the instructions provided within the app and reach out to FlexSalary’s customer support if you encounter any issues or require further assistance during the application process.

Credy

Loan Amount

Up to 1 lakhs

Loan Tenure

maximum 12 months

How to apply for a Credy loan via the app, you can follow these steps:

  • Visit your smartphone’s app store (Google Play Store for Android or Apple App Store for iOS) and search for “Credy.” Download and install the Credy app on your device.
  • Open the Credy app and either create a new account or log in if you already have one. Provide the required information to complete the registration process.
  • Once you’re logged in, you’ll need to complete your profile by providing personal details such as your name, contact information, address, employment details, and financial information. Make sure to enter accurate and up-to-date information.
  • After completing your profile, you’ll be presented with loan options. Select the loan amount you need and the desired repayment duration based on the options available. Review the interest rates and other terms associated with the loan.
  • Credy may require certain documents to verify your identity, address, and income. These documents may include your Aadhaar card, PAN card, bank statements, salary slips, etc. Use the app’s document upload feature to submit the required documents. Ensure the documents are clear and legible.
  • Once you’ve provided all the necessary details and uploaded the required documents, review your application to ensure accuracy. Double-check all the information you have entered. Once you’re satisfied, submit your loan application through the app.
  • After submitting your application, Credy will review your details and documents. If everything meets their requirements, your loan will be approved, and the funds will be disbursed to your bank account. The approval process duration may vary.

It’s important to note that the specific process and requirements may vary based on the country and region you’re in. It’s recommended to consult the official Credy website or reach out to their customer support for detailed instructions on how to apply for a loan via the Credy app in your specific location.

Buddy Loan

Loan Amount

Up to 15 lakhs

Loan Tenure

maximum 60 months

How to apply for a loan through the Buddy Loan app, you can follow these general steps:

  • Search for the “Buddy Loan” app on your device’s app store (e.g., Google Play Store for Android or the App Store for iOS). Download and install the app on your mobile device.
  • Open the app and create a new account by providing the required information. This typically includes your name, email address, mobile number, and a password. Follow the app’s instructions to complete the registration process.
  • After logging into the app with your newly created account, you’ll likely be prompted to provide additional personal details. This may include your date of birth, employment information, income details, residential address, and any other information required by the loan provider.
  • Once your personal details are entered, the app may present you with different loan types and amounts available to you based on your profile. Select the loan type that suits your needs and the amount you wish to borrow.
  • The app may require you to submit certain documents to support your loan application. These documents may include identification proof (e.g., PAN card, Aadhaar card), address proof, income proof (e.g., salary slips, bank statements), and any other documents as specified by the loan provider. Follow the app’s instructions to upload the required documents securely.
  • Review all the information you’ve provided, ensuring its accuracy. Make any necessary corrections or additions before submitting your loan application through the app.
  • After submitting your loan application, the lender will review your application and documents. The approval process duration may vary depending on the lender’s policies and procedures. You may receive updates or notifications through the app regarding the status of your application.
  • If your loan application is approved, the lender will initiate the disbursement process. The funds will be transferred to your registered bank account. The time it takes for the funds to reach your account may vary based on the lender and your bank’s processing times.

Remember that the exact steps and features of the Buddy Loan app may differ, so it’s important to carefully follow the instructions provided within the app itself.

LoanTap

Loan Amount

Up to 10 lakhs

Loan Tenure

maximum 60 months

How to apply for a LoanTap loan via the app, you can follow these general steps:

  • Visit the Google Play Store (for Android) or the App Store (for iOS) on your mobile device. Search for “LoanTap” and download the official LoanTap app.
  • Open the LoanTap app and register for a new account by providing the required details such as your name, contact information, and email address. Follow the on-screen instructions to complete the registration process.
  • After creating your account, log in using your registered email address and password.
  • To complete your loan application, you’ll need to provide personal and financial information. This may include details such as your employment information, monthly income, expenses, and any existing loans or liabilities.
  • Choose the type of loan you are interested in (such as personal loan, education loan, wedding loan, etc.) and specify the loan amount you require.
  • Select the desired loan repayment tenure and other loan terms, such as the interest rate and EMI (Equated Monthly Installment) amount.
  • LoanTap will require certain documents to process your loan application. These may include identification proof (such as Aadhaar card, PAN card, passport), address proof (such as utility bills, rental agreement), income proof (such as salary slips, bank statements), and other relevant documents. Use the app’s document upload feature to submit the necessary paperwork.
  • Before submitting your loan application, carefully review all the provided information and documents to ensure accuracy. Once you’re satisfied, submit your application through the app.
  • After submitting your application, LoanTap will review your information and documents. They will assess your eligibility and creditworthiness before approving your loan. The approval process may take some time, and you will be notified of the decision via the app or through email.
  • If your loan application is approved, LoanTap will initiate the loan disbursement process. The funds will be transferred to your specified bank account.

It’s important to note that the specific steps and features of the LoanTap app may vary. Make sure to carefully follow the instructions provided within the app and refer to any app-specific documentation or support if needed.

StashFin

Loan Amount

Up to 5 lakhs

Loan Tenure

maximum 48 months

How to apply for a StashFin loan via the app, you can follow these general steps:

  • Visit the Google Play Store (for Android) or the App Store (for iOS) on your mobile device. Search for “StashFin” and download the official StashFin app.
  • Open the StashFin app and register for a new account by providing the required details such as your name, contact information, and email address. Follow the on-screen instructions to complete the registration process.
  • After creating your account, log in using your registered email address and password.
  • To complete your loan application, you’ll need to provide personal and financial information. This may include details such as your employment information, monthly income, expenses, and any existing loans or liabilities.
  • Select the type of loan you are interested in (such as personal loan, credit line, etc.) and specify the loan amount you require.
  • Choose the desired loan repayment tenure and other loan terms, such as the interest rate and repayment frequency.
  • StashFin will require certain documents to process your loan application. These may include identification proof (such as Aadhaar card, PAN card, passport), address proof (such as utility bills, rental agreement), income proof (such as salary slips, bank statements), and other relevant documents. Use the app’s document upload feature to submit the necessary paperwork.
  • StashFin may require you to link and verify your bank account. This step is important for loan disbursement and repayment purposes. Follow the instructions in the app to complete this process.
  • Before submitting your loan application, carefully review all the provided information and documents to ensure accuracy. Once you’re satisfied, submit your application through the app.
  • After submitting your application, StashFin will review your information and documents. They will assess your eligibility and creditworthiness before approving your loan. The approval process may take some time, and you will be notified of the decision via the app or through email.
  • If your loan application is approved, StashFin will initiate the loan disbursement process. The funds will be transferred to your specified bank account.

Remember, the specific steps and features of the StashFin app may vary. Make sure to carefully follow the instructions provided within the app and refer to any app-specific documentation or support if needed.

How to Get an Instant Loan without Salary Slip?

When it comes to getting an instant loan without a salary slip, there are a few alternatives you can explore. While the specific options available may vary depending on your location and the financial institutions you have access to, here are some general approaches you can consider:

  • Instead of a salary slip, you can provide your bank statements for the past few months to demonstrate your income. This allows lenders to assess your financial stability and repayment capacity.
  • If you file income tax returns regularly, you can provide your tax return documents as proof of income. This shows your earnings and can serve as a substitute for a salary slip.
  • Request an employment letter from your employer stating your designation, employment status, and salary details. Although it may not be a salary slip, it can be used to demonstrate your income.
  • Some lenders offer secured loans where you can provide collateral, such as property, vehicles, or valuable assets, as security against the loan. In such cases, the absence of a salary slip may be less relevant.
  • Consider peer-to-peer lending platforms that connect borrowers with individual lenders. These platforms may have more flexible requirements and consider factors beyond just a salary slip.
  • Microfinance institutions or non-banking financial companies (NBFCs) sometimes have different criteria for evaluating loan applications. They may consider other factors like your credit history, regular payments, or alternative income sources.

Remember, it’s important to research and compare the terms, interest rates, and credibility of different lenders before applying for any loan. Also, keep in mind that alternative methods for credit assessment may come with their own requirements and limitations.

FAQs (Frequently Asked Questions)

How does an instant loan app without a salary slip work?

These apps typically utilize alternative methods to assess an applicant’s creditworthiness and repayment capability instead of relying solely on salary slips. They may consider factors such as bank statements, credit score, employment history, and other relevant information provided by the applicant.

What are the eligibility criteria for availing a loan through an instant loan app without a salary slip?

The eligibility criteria may vary depending on the specific app or lending institution. Generally, they may require the applicant to be of legal age (usually 18 years or older), have a stable source of income, possess a valid identification document, and meet the creditworthiness criteria set by the app.

How long does it take to receive the loan amount?

The loan processing time varies among different apps and lending institutions. However, many instant loan apps aim to provide quick approvals and disbursals, often within a few hours or even minutes of completing the application process.

How do I repay the loan obtained through an instant loan app without a salary slip?

The repayment process is typically outlined by the lending institution. It often involves setting up automatic deductions from your bank account or providing post-dated cheques. The app may have a repayment schedule or allow you to make repayments through the mobile app itself.

Are there any risks associated with using instant loan apps without a salary slip?

While instant loan apps can provide quick access to funds, it’s important to be cautious and choose reputable platforms. Some risks include high interest rates, hidden fees, unsecured data, and potential exposure to fraudulent apps. It’s crucial to research and read reviews before using any loan app and ensure you understand the terms and conditions before proceeding with a loan application.

Which app is best for loan without salary slip?

Above in this article, already we have been shared top 20 instant loan approval apps with their apply producers. You can select one of them as per your requirements.

Final Remarks

Through this article, already we have given you the top 20 list of best instant loan apps without salary slips. Now, everyone can find the best loan app in India without salary slips to complete your dreams. If this article is helpful for you, then please share it along with your friends, family members or relatives over social media platforms like as Facebook, Instagram, Linked In, Twitter, and more.

If you have any experience, tips, tricks, or query regarding this issue? You can drop a comment!

Happy Learning!!

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