10 Best Apps for Personal Loans no Documents Required


Personal loans can work out a time-consuming process if you go to traditional banks or even to money-lenders. There are chances of paying a high rate of interest with the money-lenders. The best way to go about this is to look for a money app that offers these loans. These apps are normally, free of any hassles and immediate cash for your requirement.

Here are the 10 best apps you can use when you need a personal loan.


This is one of the cash lends app in India that can be used for loans. This can also be used for credit cards and free credit reports. IndiaLends offers online personal loans and disburses the loan within a time span of only 48 hours. The rates of interest charged are very reasonable.

This IndiaLends app uses technology and data for improving the workflow and assessments of risk for the efficiency of the loan disbursal. This becomes easier and shorter.


  1. PaySense:

PaySense is a money app that was founded by SayaliKaranjkar and Prashanth Ranganathan. This app can be used for cash loans instantly online.

The loan eligibility can be checked by using your laptop or your phone. You can also submit the KYC details and apply for the required loan using the phone or laptop. The approval can be got within 5 hours.

This company provides loans online for up to Rupees 5 lakh. You can use from Rupees 5000 to the entire limit that is approved at one time. You also get an EMI calculator which helps you in calculating the amount to be paid every month.

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  1. CASHe

CASHe is a digital lending platform in the form of an app. This app provides loan on a short-term basis for different financial needs. The only hitch with this app is only salaried individuals can get loans from this app.

The documents required are bank statements, salary slips, PAN Card, proof of address. All these documents need to be uploaded on this cash loan app.

You can check out the rates of interest and eligibility online with the help of a quick calculator. The loan approved can be anywhere between Rupees 5000 to Rupees 2 lakhs. The tenure is 15 days to 6 months. You can use the bank transfer for making the payments, or use the cheque.


  1. KreditBee

This KreditBee is a loan app for young professionals. You can apply for a loan for anywhere till Rupees 1 lakh. This is a 100% online process. The disbursement takes only 15 minutes. The amount is credited to your bank directly.


  1. Credy Technologies:

Credy Technologies provides personal loans on terms that are personalized. This is one quick giving app. There is no requirement of any collateral or even a guarantor. You do not have to worry about any hidden costs. This app accepts low CIBIL scores and has fast processing online.

This company provides loan duration anywhere between 3 months to 15 months. The amount offered can be anywhere between Rupees 10,000 to Rupees 1 lakh. The interest rate starts at 12% annually. This app can be utilized for enhancing lifestyle, quick cash loans, credit card bills, refinancing loans, and also for financing education.

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Credy Technologies

  1. Loan Tap

For instant and flexible loans, you can use the LoanTap app. The loan terms offered by this app are attractive and are normally given to businessmen and salaried individuals. This app offers loans that are customized. The innovative products offered by Loan Tap are EMI free loans, personal overdraft, loans of credit card takeover, rental deposit loans, house owner loans, and also advance salary loans.

Loan Tap

  1. Bajaj Finserv

You can get personal loans that can be approved instantly withBajaj Finserv. The loans can be disbursed within a time span of only 24 hours. These loans are for public and government sector unit employees, women, college professors, school teachers, and more.

These loans are offered with a feature for reducing your installment by up to 45%. This is done by paying EMI’s of interest only. You can borrow as much as needed once these loans are approved.

Bajaj Finserv

  1. Flexsalary

This company works well for personal loans. The features of this app are very different from the features of the other apps. This has a one-time approval with one-time application, instant disbursals, loan tenure decision, policy for flexible repayment, are some of the hallmarks of this Flexsalary.


There are no fixed EMI’s and also provides approval instantly. This works well as a loan app for advance salary.

  1. Any-Time Loans (ATL)

ATL (Any Tie loans) offer instant, on-demand, 24 x 7 loans to the salaried class and also to self-employed individuals. This loan application is paperless as it needs to be carried out online. This also works out contactless.

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ATL offers personal loans that are unsecured.

Any-Time Loans

  1. Home Credit

Home Credit is one part of the Home Credit Group. This group is present in 10 countries in Europe and also in Asia. The Home Credit started in India in the year 2012 and has managed to spread across 15 states and 60 countries.

This app sanctions loans for up to Rupees 2 lakh. The tenure for repayment ranges from 9 months to almost 4 years. This app makes the financial services simple, easily accessible, and transparent to you.

Loan Apps can work as a saviour in times of emergencies due to minimum documentation and fast speed. This can get you out of any crisis in a matter of a few hours, but only with valid documents. You do not face any hassles on interaction and communicating with different people.

Home Credit