How To Get A instant Personal Loan Without Documents

personal loan without document

Personal loans are unsecured, allowing people to borrow money from banks and financial institutions without providing collateral. These loans are beneficial for people who require instant cash without documentation.  

However, borrowed money might be used for other purposes, depending on financial needs. Because it is an unsecured loan, the lender will not take away your assets if you fail to make loan payments. Default-on loan repayments can create a negative impact on your credit score.  

Personal loan documentation is an integral part of the application procedure. However, some view this process as time-consuming and need an instant personal loan without documentation. 

In this section, we will look at how you can get a personal loan without having to provide documentation.  

Who can get a personal loan without fresh documentation?  

When an individual has an account with a bank or other financial institution, the lender offers a personal loan to the existing user because the lender already has the user’s KYC information such as PAN card or number, income details, and others. This process removes the requirement for existing customers to submit new papers.  

Many banks and financial institutions, such as Zap Money, offer loans through digital channels, from loan application to disbursement. During this process, the customer is not required to offer hard copies of the required documents. As a result, customers can get a personal loan without having to fill out any paperwork.  

Lender offer per-qualified loans to their specified consumers. Based on their credit score. A higher credit score can boost your chances of obtaining a personal loan without paperwork.  

What are the ways to get a personal loan without documents?  

Personal loans can be available without documents if you maintain a good relationship with your banks. So, when you rely on financial needs with the same bank, it becomes easy for the bank to access your creditworthiness and eligibility for loan repayment.  

Credit score requirement  

Maintaining a strong credit score can help you get a personal loan without having to provide any documents. It is a method of demonstrating your repayment history and your probability of repaying your loan amount within a specific time limit.  

Steps to Increase CIBIL Score from 600 to 750  

Pay on time  

Raising a CIBIL Dispute  

Credit Score Checks  

Holding onto old credit cards  

EMI payment is crucial  

Approach banks/NBFCs with which you have an existing relationship  

Applying for a loan from current banks and financial institutions increases your chances of receiving a personal loan without documents. This is because the lender already has your personal information, such as your name, income, and other facts. The lender also offers pre-approval loans based on your credit score.  

Debt-to-income ratio

Your debt-to-income ratio should ideally be less than 50% to show financial reliability. This assures the lender about your repayment capacity, allowing you to secure a paperless loan. 

Eligibility Criteria to Apply for instant Personal loan

Criteria Description 
Age Applicants must typically be between 21 and 60 years of age. 
Nationality Indian citizens and certain categories of non-resident Indians (NRIs) are eligible. 
Employment Status Applicants should be salaried employees of reputable companies or self-employed professionals with a steady income. 
Minimum Income A minimum monthly income requirement is set by lenders, usually ranging from ₹15,000 to ₹30,000 per month. 
Credit Score A good credit score, typically above 650-700, is required to qualify for instant personal loans. 


Can I get a 30000 instant loan without a salary slip?  

Yes, Online platforms like Zap Money offer a convenient and accessible avenue for individuals to secure personal loans without salary slips.  

How to get 1000 rupees immediately?  

Zap Money provides quick loans to those with excellent credit, with affordable interest rates and repayment options.  

Can a 15000 salary person get a loan?  

Yes, you can get a small personal loan from Zap Money ranging from 3000 to 8000.  

Which is the fastest loan app?  

Zap Money provides rapid personal loans with an instant verification process.  

How to get 1 lakh in an emergency?  

Individuals with excellent credit scores can get instant personal loans up to 1 Lakhs from Zap Money. 

Hariharan Ravichandran

Understanding the ever-changing environment of money may be a difficult experience.I'm Hariharan, a seasoned finance explorer and blogger. I am right there with you, beginning on this journey of financial enlightenment as a fellow traveler.


The ZapMoney app makes personal finance easy, accessible, and affordable. The App is available on Google Play Store and App Store for download, allowing you to sign up and access easy personal loans. ZapMoney is powered by Monexo Fintech Private Limited which is a registered NBFC-P2P.
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