Top 20 Best Loan Apps In India Without Salary Slips In 2023

Best Loan App In India Without Salary Slips

Hello friends, if you looking for the best loan apps in India without salary slips. Then you are at the right place, we have curated the list of top 20 best loan apps in India without salary slips, then you are at the right place. your reason for looking for the best loan app in India without a salary slip can be many from personal to professional and we are here to tell you some of the best loan apps in India without salary slips in detail.

Best Loan App In India Without Salary Slips

Loan Front Personal Loan App

Loan Front Personal Loan App has 5 million downloads and 4.5 stars. You can take a loan from 2000 rupees to 25,000 rupees instantly in your bank account if you are self-employed. If you are a salaried employee, you can take a personal loan of up to 2 lakh rupees from this app.

  • Loan amounts for self-employed range from 2000 to 25000 for terms ranging from two to three months.
  • LoanFront offers salaried loans ranging from 5,000 to 200,000 rupees with terms ranging from 3 to 6 months.
  • Loan interest rates range from 12% to 35% per year.
  • Technology and other related fees: up to $2500.
  • Criteria for eligibility: 1 Pan card and 1 Aadhaar card 3 Proof of salary and income
Best Loan Apps In India Without Salary
Best Loan Apps In India Without Salary

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True balance personal loan app

If you have a low CIBIL score or no income, you can apply for a personal loan through this loan app. Personal Loan App is the most downloaded app in the Finance category on the Google Play Store because anyone can get a loan from it. Whether your credit score is high or low, True Balance offers two types of loans: cash loans of up to 50,000 rupees and level-up loans of up to 10,000 rupees.

Rupeeredee Personal Loan App

The Rupeeredee Personal Loan app is registered with (Fincfriends) NBFC, which is approved by RBI. Rupeeredee will credit the loan amount in Your account in 10 minutes after successful approval. Rupeeredee is the best loan app for self-employed with instant approval and disbursal.

  • Rupeeredee Personal Loan Amounts Ranging From 2000 Rupees to 25,000 Rupees
  • Loan terms range from three to six months.
  • Annual Percentage Rate (APR) Maximum: 36% to 120%
  • Monthly interest rate: 1% to 3%
  • Fees for Loan Approval: 4% of Loan Amount (Inclusive of GST)
  • Fees for online security: 6% of the loan amount (Inclusive of GST)
  • Fees for Account Management: 7% per Monthly Instalment (Inclusive of GST)

My shubhlife app

MySubhlifeLife App is useful for many things, including taking personal loans for salaried and self-employed people, as well as investing. You can get a personal loan from this app without a CIBIL score and with no paperwork.

Loan The loan amount ranges from 3000 rupees to 3 lakh rupees, with income proof of more than 12,000 rupees required. Interest rates range from 16% to 44% per annum.

This loan application’s processing fee ranges from 0% to 3%. Loan repayment terms range from 3 to 36 months. APR up to 70%

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It is the best instant loan app in India without salary slips, for people looking for low-interest loans. This platform charges an annual interest rate of 9.99% on the loan amount, with terms ranging from 6 years. The applicants are not charged any processing fees when using the Navi instant loan app. As a result, if you need emergency funds from digital platforms at an affordable rate, this platform is worth considering because it allows you to complete your profile by adding PAN, Aadhaar, and other basic information.

Based on your credit score, this loan app provides affordable and simple-to-repay loans. It has 4.5-star ratings on the Play and App stores, demonstrating its worth and efficiency for users. You can also get a loan of up to Rs 20,00,000 at a fixed interest rate by using this app.

Buddy loan

Buddy Loan is one of the most trusted and best loan apps in India without salary slips. It enables users to obtain quick personal finance loans ranging from Rs 10,000 to Rs 15,00,000 without having to wait a long time. The best feature of this instant loan app is that it processes loan requests quickly. Furthermore, you do not need to send physical documents to the office address because they can be picked up at your home.

It’s a low-cost loan app that offers users several low-interest EMI options. The app enables flexible loan policies, simple document verification, and quick loan approvals. This platform, however, charges an 11.99% interest rate on approved credit.

Money tap 

Looking for the best instant loan app in India without a salary slip? MoneyTap, a trusted instant loan mobile app that does not require salary slips, maybe the answer to your search. Sign up and verify your account to complete the KYC process. As a result, you can easily get your loan request approved and meet your financial obligations.

This platform provides users with up to Rs 5,00,000 for travel and other necessities. You will not have to go through lengthy paperwork or wait in line if you use this app. It also charges a monthly interest rate of 1.08% to 2.3% on the loan money.


Nira Finance is also one of the best loan apps in India without salary slips. It is an excellent app for obtaining personal finance loans ranging from Rs 3,000 to Rs 5,00,000. Its registration process is simple, and it facilitates high-value loans. For the convenience of its users, this platform has also enabled the auto-debit feature.

To obtain a loan for your financial needs, you must first download, instal, register, and complete the KYC process. It has sophisticated tools that automatically calculate the credit score and allow loans with the lowest possible interest rate. You can expect an interest rate of 1.5% to 2.5% on the quoted loan amount based on your credit score.


PaySense is a great option if you need an instant loan with a low-interest rate and no need for a pay stub. It is a trusted instant loan app that has merged with LazyPay to become the industry leader in the same field. It’s the platform to try if you need Rs 5,000 or Rs 5,00,000 for personal expenses. You will not have to wait any longer for a response to your loan request, and you will also have easy EMI options.

You can upload scanned documents at the beginning and then use them later. It eliminates the need for couriers by sending digitally scanned copies. In short, it’s a good personal finance app that provides hassle-free loans with monthly interest rates ranging from 1% to 2.33%.

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One of the more popular instant small cash loan apps, mPokket, focuses on providing credit to students and people who do not have formal income documentation. They typically lend between Rs 500 and Rs 30,000.

Their monthly interest rate begins at just 1%. Borrowing from mPokket has a quick loan processing time, with a credit available within 2 minutes of applying for the loan. The app will lend you money for various periods, ranging from 61 days to 120 days.

The company charges a processing fee based on the amount borrowed; you must also pay GST on the processing fee. Identity proof, such as a voter card/driving license/passport/Aadhaar card/PAN card, is required. If the applicant is a student, a college ID card is required.

Lazy pay

This app is simple to use and guarantees the quickest cash loans in India. LazyPay is one of the top financial apps in the Indian market, with PayU as its parent company. Simply enter your mobile number, and it will tell you how much you can borrow through a secure online application process.

LazyPay is a consumer and business cash-in/cash-out service. We provide instant personal loans with minimal documentation, and signing up for our service is simple, quick, and digital.

Bajaj Fineserv

Bajaj Finserv, one of the most well-known names in personal finance, has been in business for more than a decade. Bajaj Finserv is one of the best loan apps in India, offering a variety of excellent products and services. You can use their zero-interest EMI card to finance any purchase.

Personal loans can be obtained from Bajaj Finserv. Personal loans have a loan limit of Rs. 25 lakhs and no collateral is required.


This is the best loan app in India without salary slips you can use it if you need cash to buy a car or two-wheeler. The process is easy to follow and you’ll be able to get your loan approved in just a few minutes. You’ll also have flexible repayment options, like 1-5 years of easy monthly installments.

One of the many benefits for existing customers is that TELUS will prompt you with your account details, so you don’t need to figure it out. They will also tell you what your statement balance is and when your bill payment date is.


Dhani, one of India’s top personal loan apps, has received funding from Indiabulls Ventures. You can get an unsecured loan quickly and easily because no physical documentation is required. Simply download the app and enter your PAN, address, and Aadhar number for verification.

Repay the loan with simple, low-interest payments. You are now ready to request a cash withdrawal up to the amount you have paid back.

Sentences combined: Once verified, the loan amount is disbursed to the bank account within minutes, or three minutes, according to the app. You can repay the loan over 3-36 months and then request a cash withdrawal up to the amount you paid back.

Home Credit

One of the country’s oldest money-lending apps is Home Credit India. This company is firmly rooted in developing markets, with offices in Asia and Europe.

Download the Home credit app to get a loan quickly and easily. The app will tell you what your monthly payment would be and whether you are eligible for the amount you require. Get up to 2,40,000 rupees with a 6-51-month repayment plan and avoid financial problems such as high education costs or medical emergencies.

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Depending on the size of your company, this loan amount may be higher or lower.

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Credy is an instant loan app available in India that can help you meet your financial needs quickly and easily. It has no hidden fees or requirements for a guarantor or collateral, unlike many other lenders.

The app makes it simple to obtain a loan! All you have to do is download it, upload the required documents, and meet the eligibility requirements, and you’re good to go! 


FlexSalary is a mobile app designed for salaried individuals in Hyderabad. It offers quick loans when you need them the most.

FlexSalary offers instant disbursements, which function as an advanced salary app. You can choose the length of your loan, and you only have to repay the amount at your own pace. This is ideal for borrowers who have variable income or work hours and want to manage their finances with ease. Sign up for the mobile app and upload the required documents, and your application will be approved immediately.

Anytime loan

If you want to get a loan but are unable to because you are not a salaried individual, this is the news for you! AnyTimeLoan could be the solution to your problems. They provide loans to both salaried and self-employed individuals by connecting them with the appropriate lending partners. They also allow you to apply for loans through the app and have them approved in a matter of minutes. Once approved, your loan is instantly transferred to your bank account.

Any collateral or guarantor will be required by AnytimeLoan. We also provide K12 education loans, personal loans, and business loans.


RupeeLend is a digital finance company that offers its customers short-term credit. RupeeLend has offices in the majority of major cities, and their app provides a novel new way to request loans. The app eliminates unnecessary paperwork and phone calls, and it adheres to a system that provides immediate access to customers in need. RupeeLend understands that some borrowers are in desperate need of funds, so they work hard to ensure that they receive the funds quickly and easily.

RupeeLend is one of the fastest instant loan apps in the country due to its quick loan customization feature, easy loan disbursements to new or returning customers, and quick approval times.  If you decide to foreclose your RupeeLend loans, you will not be charged any hidden fees.


CashBean is a quick and easy way to get the capital you require. If you need a loan, apply today and you will be approved quickly. Apply through their mobile app or from your computer, and we’ll handle the rest. We’re committed to using technology to make financing quick and easy so you can focus on what’s most important to you.


We have given you the top 20 list of best loan apps in India without salary slips. In the above article, everyone will find the best loan app in India without salary slips as per their preference.

FAQ – Best Loan App In India Without Salary Slips

How to get a personal loan in India without salary slips?

You can get a loan with any of the above-mentioned apps.

How to avail instant loan from the cash bean app?

You can avail of instant loans from the app. You can check your credit score on the app by uploading your PAN, which helps you select your instant loan. 23. CashBean CashBean is present on mobile as well as the web. It is a cutting-edge product aimed to make your financing needs easier.

What is the best instant loan app without salary slips?

PaySense, in addition to being the best instant loan app without salary slips, provides a simple EMI calculator to calculate EMI. All you have to do after installing the cash loan app is check your eligibility and upload the required documents. They also offer other loans on their website, such as vehicle loans and consumer loans.

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