Best Instant Loan Apps in India (No CIBIL Required) – 2025

Need quick cash but don’t have a good credit score? No worries. In 2025, several loan apps in India offer instant personal loans without requiring a CIBIL score. These apps focus more on your income, mobile KYC, and digital verification rather than your past credit history.

🔍 Key Features of Instant Loan Apps

100% Online Process
Loan Disbursal within Minutes
Flexible Tenure (1–36 months)
Loan Amount from ₹1,000 to ₹5,00,000
No CIBIL score or credit card required

📱 Top 5 Instant Loan Apps in India (2025)

1. KreditBee

KreditBee offers loans from ₹1,000 to ₹3,00,000 with minimal documentation. Ideal for salaried individuals.
Interest: 1.02% – 2.49% p.m
Link: Apply on KreditBee

2. CASHe

CASHe provides instant short-term personal loans to young professionals. Great app for small urgent needs.
Loan Tenure: 62 to 180 days
Link: Apply on CASHe

3. NIRA

Get up to ₹1 lakh with NIRA using just your salary slip. Approval doesn’t depend on CIBIL score.
Requirement: ₹12,000 monthly income
Link: Apply on NIRA

4. EarlySalary (now Fibe)

EarlySalary, now called Fibe, is popular among young salaried professionals with no credit history.
Loan Amount: ₹8,000 to ₹5,00,000
Link: Apply on Fibe

5. MoneyTap

A personal credit line you can borrow from anytime. Fast approval, no paperwork.
Interest: Only on amount used
Link: Apply on MoneyTap

📋 Documents Required

Pan Card
Aadhar Card (for KYC)
Salary Slip or Bank Statement
Active Bank Account

💡 Tips to Get Approved Faster

Use your salaried account for verification
Submit clear selfies/documents
Ensure your mobile number is linked with Aadhaar

⚠️ Disclaimer

Instant loans without CIBIL can carry higher interest. Borrow only what you can repay. This post is for information only. We may earn a commission if you use affiliate links.

🎯 Final Words

If you need fast cash in India and don’t have a credit score, these apps can be a life-saver. Choose the one that fits your income, tenure, and repayment ability. Always read the terms carefully.

👉 Ready to Apply? Click any of the app links above and complete your application in minutes!