Getting a personal loan could be tough without a regular income or salary proof. But there are many instant loan apps in India that offer loans without salary slip based on your credit score, bank statement, or other alternative criteria.
You can use these apps to get money quickly for important things like medical issues, buying or fixing your home, education purposes, going on trips or paying for wedding expenses. In this article, we will provide a list of the top 15 best instant loan apps without salary slip, and compare their features, interest rates, loan amounts, tenures, fees, charges and Google Play ratings.
List of Best Instant Loan Apps without Salary Slip
Here are the top 15 best instant loan apps without salary slip in India, in no particular order.
1. Paytm
Paytm is one of the most popular and trusted digital payment platforms in India which also offers instant personal loan without salary slip. You can apply for a loan of up to Rs 2 lakhs with interest rates starting from 14% per annum.
The loan tenure can range from 3 to 36 months and you can repay the loan in easy EMIs through the Paytm app. The app also offers flexible repayment options like prepayment, part-payment or rescheduling. The app has a 4.4-star rating on Google Play with over 1 billion downloads.
Check: Best 29 Instant Personal Loan Apps In India
2. Paysense
Paysense is another personal loan app that offers loans without salary slip in partnership with reputed banks and financial institutions. You can get a loan of up to Rs 5 lakhs with interest rates ranging from 16% to 36% per annum.
The loan tenure can vary from 3 to 60 months depending on your eligibility and preference. The app also allows you to check your loan eligibility, EMI and credit score for free. The app has a 4.1-star rating on Google Play with over 5 million downloads.
3. NIRA
NIRA is an instant personal loan app that offers loans without salary slip or Low CIBIL score. You can get a loan of up to Rs 5 lakhs with interest rates starting from 1.5% to 2.5% per month. The loan tenure can be up to 36 months and you can repay the loan in flexible EMIs.
The app also offers the option to extend your credit period if required. The app has a 4.3-star rating on Google Play with over 1 million downloads.
4. Cashe
Cashe is an instant loan app that offers loans without salary slip based on your financial profile and earning potential. You can get a loan of up to Rs 3 lakhs with interest rates starting from 1.5% to 3% per month. The loan tenure can be from 15 days to 6 months, and you can repay the loan in easy EMIs.
The app also offers a referral program, where you can earn cash rewards for inviting your friends to use the app. The app has a 3.9-star rating on Google Play with over 5 million downloads. Check Your Cibil Report in Free.
5. Home Credit
Home Credit is an Personal loan app that offers loans without salary slip based on your bank statement and KYC documents. You can get a loan of up to Rs 2.4 lakhs with interest rates starting from 24% to 49% per annum.
The loan tenure can be from 9 to 48 months and you can repay the loan in easy EMIs. The app also offers a loyalty program, where you can get discounts and benefits for timely repayments. The app has a 4.2-star rating on Google Play with over 10 million downloads.
Apply Now for 5 lakh Personal Loan
6. Navi
Navi is an Personal loan app that offers loans without salary slip based on your credit score and other factors. You can get a loan of up to Rs 20 lakhs, with interest rates starting from 9.99% to 45% per annum. The loan tenure can be up to 6 years and you can repay the loan in easy EMIs.
The app also offers a simple and secure application process where you can complete your profile by adding details of PAN, Aadhaar and other basic details. Navi has a 4.5-star rating on Google Play with 5 million plus downloads.
7. Money View
Money View is an instant Personal loan app that offers loans without salary slip based on your income and credit score. You can get a loan of up to Rs 5 lakhs with interest rates starting from 1.33% to 2.5% per month. The loan tenure can be from 3 to 60 month and you can repay the loan in easy EMIs.
The app also offers a green report where you can check your credit score and financial health for free. This app gets 4.3-star rating on Google Play and 10 million plus downloads till now.
8. Loan Tap
Loan Tap offers Personal loan without salary slip according to your income and credit history. You can get a loan of up to Rs 10 lakhs with interest rates starting from 18% to 24% per annum. The loan tenure can be from 6 to 60 months and you can repay the loan in easy EMIs. Instant Personal Loan for Salaried Employees.
The app also offers various loan products such as personal loan, EMI-free loan, rental deposit loan, holiday loan, and wedding loan. On Google play Store this app get 4.1-star rating with over 1 million downloads.
9. KreditBee
KreditBee is another popular instant loan app which is useful to get loans without salary slip. By this app you can get loan based on your income and credit profile. loan amount can be take up to Rs 2 lakhs, with interest rates starting from 1.02% to 2.03% per month.
By using this app you will get loan tenure from 2 to 15 months and you can repay the loan in easy EMIs. Kreditbee also offers a referral program where you can earn cash rewards for inviting your friends to use the app. Kreditbee app Rating on google play store is 4.4-star and over 10 million downloads till now.
10. Zest Money
Zest Money is most popular Personal loan app that provide loans without salary slip upto 5 lakh. It provide loan based on your income and credit score. Interest rates starting from 0% to 29.99% per annum. With loan tenure of 3 to 36 months and you can repay the loan in easy EMIs.
The app also offers a no-cost EMI option, where you can buy products from various online platforms, such as Amazon, Flipkart, Myntra, and more, without paying any interest. On Google Play this app has 4.3-star rating with over 5 million downloads.
11. Kissht
Kissht is an app where you can quickly get a loan. If you are facing a problem providing salary slip then this app is helpful to get loan. Kissht offers personal loan without Salary Slip. You will be eligible for loan amount based on your income and credit score.
This App provide loan up to 3 lakh instantly with interest rates starting from 14% to 24% per annum. You will get 3 to 36 months’ tenure to repay your loan. Google Play Store Rating of this app is 4.1-star with downloads more than 5 million.
12. Smart Coin
Smart Coin is a fast loan app. You can borrow money without a salary slip here, based on your income and credit score. Get up to Rs 50,000 with interest rates between 2.5% and 3% per month. Pay back in small monthly amounts for 15 to 180 days. It’s well-rated with 4.2 stars on Google Play and over 5 million downloads.
13. Simply Cash
Simply Cash offers Personal loan without Salary Slip. This app provide loan based on your bank statement and KYC documents. You can get a loan of up to Rs 1.5 lakhs with 1.67% to 2.5% per month starting interest rate. Loan tenure between 90 to 365 days for this app. Apply Now for 2 Lakh personal loan.
The app also offers a simple and fast application process, where you can get the loan amount in your bank account within minutes. With 4.4-star rating on Google Play it has over 1 million downloads.
14. Pocketly
Pocketly is a quick loan app that provides loans depending on your income and credit score. A loan of up to Rs 10,000 is available, with interest rates ranging from 0.1% to 0.15% per day. The loan term could range from 15 to 90 days, with easy EMIs available. The app also has a referral scheme where you may earn money for referring your friends to use it. On Google Play, the app has a 4.1-star rating and over 1 million downloads.
Apply Now for 1 Lakh Personal Loan
15. Phone Pay
Phone Pay is an instant Personal loan app that offers loans without salary slip, based on your income and credit score. You can get a loan of up to Rs 1 lakh, with interest rates starting from 0% to 36% per annum. The loan tenure can be from 3 to 36 months, and you can repay the loan in easy EMIs.
The app also offers a no-cost EMI option, where you can buy products from various online platforms, such as Amazon, Flipkart, Myntra, and more, without paying any interest. The app has a 4.5-star rating on Google Play, with over 100 million downloads.
Apply Now for 50000 Personal Loan
Conclusion
These are the top 15 best instant loan apps without salary slip, that can help you get a quick and hassle-free personal loan. However, before applying for any loan you should always compare the features, interest rates, loan amounts, tenures, fees, charges and ratings of different apps and choose the one that suits your needs and budget. You should also read the terms and conditions carefully and repay the loan on time to avoid any penalties or negative impact on your credit score. Check out best Personal loan Apps without Salary Slip.
FAQs on Personal loan Apps without Salary Slip
Q.1 How to get 2000 rs loan instantly?
Try loan apps like Kreditbee, Zest Money, Paytm and MoneyView. They offer instant loans without salary slips, but check interest rates.
Q.2 Can I get instant loan without salary slip?
Yes, It is possible some apps provide instant loan based on your credit score and other criteria.You can take loan by these apps.
Q.3 What are the benefits of using instant loan apps without salary slip?
Instant loan apps without salary slips offer several advantages. These include collateral-free loans, no need for paperwork or physical verification, zero impact on your credit score, quick approval within minutes or hours, and flexibility to use the loan for personal or professional needs.
Q.4 What are the risks of using instant loan apps without salary slip?
Using no-salary-slip loan apps poses risks: higher interest, short repayments, legal issues for default, and privacy concerns sharing info with third parties.
Last Updated on 5 months
