Best 10 Instant Cash Loan in 1 hour without Documents in India

Instant Cash Loan

There may be times when you need money right away because of a cash problem or an unexpected need for money. Applying for a personal loan from a bank might not be a good idea because it can take some time for the lender to examine your application and transfer the needed funds to your account. The money will be deposited to your bank account within an hour if you ask for an immediate personal loan from a financing firm in this case.

You can get a loan between Rs. 5,000 and Rs. 1 lakh at an interest rate that fluctuates between 1.50% and 2.25% every month. The higher your credit score, the lower the interest rate charged. So, if you’re looking for an immediate cash loan without paperwork, you’ve come to the perfect place. Continue reading to find out more about quick cash loans.

Top 10 Best Instant Loan Lenders

1. IndusInd Bank

This is one of the greatest rapid loan sites where you can easily apply and get approved for personal loans between 30,000 and 5,000,000. With IndusInd Easy Credit Personal Loans, realise your aspirations. Regardless of use, you may simply get a personal loan up to Rs. 5 lakhs at no processing costs (usable for a short time).
The process is easy to do from the comfort of your home and requires no physical paperwork.


  • Zero Processing Fee (Valid for a Limited period)
  • Digital Process with no physical documentation involved
  • Relaxed eligibility criteria
  • Instant approval and quick disbursal
  • The EMI plans are affordable


  • Good creditworthiness is required to get a loan approval

2. Paysense

Paysense, which recently merged with LazyPay to become one of the top platforms in this market, is one of the top urgent loan applications without pay stubs.
When requesting quick personal loans from Rs. 5,000 to Rs. 5,000,00, you won’t have to wait long for approvals. The best part is that because this platform is known for quick approvals, you don’t need to worry about time. What makes this the ideal application for quick personal loans? The documents can be picked up from your place without having to be couriered or scanned for digital copies.


  • The documentation process on this application is easy and quick
  • Can provide a loan with as much as an 80% approval rate
  • The loan is quickly approved
  • Offers affordable EMI plans


  • Must have a good cibil score
  • Charges huge interest

3. Dhani

Through Dhani, a widely promoted phone lending application, the loan funds are instantly sent to your bank account. Dhani accepts applications for personal loans at any time and from any location. You may quickly apply for a loan up to Rs. 15 lakh with an interest rate as low as 12%. By installing the Dhani Loan app, providing your Aadhaar card number, and loan amount, you may quickly get the loan funds in your account.


  • Provides all kinds of loans and credit rating facilities for faster approval
  • Has its pharmacy and money services platform combined into one platform
  • Quick approval
  • Helps in providing all kinds of loans and credit-rating facilities


  • You cannot avail of this loan on all kinds of e-Commerce platforms
  • Initial documentation takes time during the registration

4. Home Credit

The Home Credit Group, which has operations in 10 countries throughout Europe and Asia, has a subsidiary called Home Credit India. Since its establishment in 2012, the India branch has operated in more than 60 sites spread across 15 states. With repayment durations ranging from nine months to four years, the personal loan application provides for personal loans of up to two lakh rupees. The rapid loan app in India makes financial services easy to get, clear to understand, and easily available to you.


  • Can provide loans up to Rs. 2 lakh
  • The loan is provided for nine months to 4 years
  • Available all around India
  • Easy and quick


  • Need a good CIBIL score

5. Kredit Bee

One of the most lucrative fast-lay platforms has to be The Kredit Bee. It is one of the best rapid loan applications in India as a consequence of its user-friendly interface, which makes it simple to use. More than 2 million customers have said they are happy with the company’s services, and there have been more than 20 million downloads.
You must be an Indian citizen, be at least 21 years old, and have a valid PAN ID in order to apply for loans through this website. As a salaried worker, you must earn more than Rs. 10,000 per month in order to be eligible for these quick loans.

You can be eligible to borrow up to Rs. 1,000,000 for 62 days up to 15 months at an interest rate as high as 2.49% monthly, depending on your credit score. Due to the extra benefits of easy credit to bank accounts, digital wallets, etc., it is the best rapid personal loan app.


  • Provides short-term loans
  • Provides low-interest rates loans
  • Can be availed on reaching 21 years of age
  • Instant disbursal


  • It needs a strong CIBIL score

6. Bajaj Finserv

Personal loans from Bajaj Finserv can be instantly authorised in only 24 hours. These collateral-free loans are available to women, workers of the government and PSU, teachers, college professors, and others. You may cut your monthly payment on personal loans by up to 45% by making interest-only EMI payments. Once your loan has been approved, you are free to withdraw as much money as you require without having to trouble yourself by reapplying.


  • Provides loan in just one day
  • Provides flexible Emi payment options
  • It does not require collateral
  • Quick loan provider


  • The interest charged is on a higher side
  • The CIBIL scores need to be strong

7. CASHe

The application for CASHe outlines how it came to be known as the best swift personal loan app. It’s easy to sign up and log in to the application, and the dashboard has all the information you need to submit an urgent loan application. With a maximum loan amount of Rs. 5,00,000 and a range of interest rates and credit conditions, there are several loans accessible. It’s also possible to make direct transactions to the linked bank account. To avoid returning to the site, you may set up direct auto-debit for loan interest amounts. Additional collaborations exist for their Buy Now Pay Later services with Big Basket, Amazon, Flipkart, etc. You may also choose to use insurance coverage to guarantee your debts.


  • Only single-time registration is required
  • Compatible with websites like Amazon, Flipkart, etc
  • You can quickly transfer the money to your friends
  • You can set your credit limits from the approved credit line.


  • You need a strong cibil score
  • Time-consuming app

8. Money View

The Money View personal loan application will help you get a personal loan in only two hours. No matter if you want the funds to cover the cost of a home repair, a pricy automobile purchase, or wedding expenditures, a personal loan from Money View is completely paperless, quick, straightforward, and adjustable. Money View offers loans in quantities ranging from 10,000 to 5 lakh rupees. There are three months to five years of flexible payback arrangements.


  • Provides loans at low-interest rates
  • The minimum loan amount is Rs. 5,000
  • 4.5 star rated; User friendly
  • Transparent


  • It would help if you had an excellent cibil score to avail of a loan

9. Money Tap

MoneyTap is one of India’s quickest rapid loan applications. Obtaining a short-term loan with MoneyTap is as simple as installing the app to your phone. Then how does it work? Before starting, you must download the programme and register on the same page. After registering, you must finish the KYC paperwork and await final clearance.
After that, depending on your credit score, you can get an instant credit up to an approved amount of INR 5,00,000 that you can use to pay for a trip, luxury, everyday needs, and other products. The best aspect is that there won’t be any waiting around or paperwork for you to deal with.


  • Because of how well-built this mobile application is, users, do not experience any lag.
  • The credit line is simple to obtain and functional as a wallet
  • You can create a profile for availing loan with KYC
  • Once the urgent loans are granted, you won’t have to give your credit score much thought.


  • Initial KYC will require some time.
  • Depending on the amount, the credit duration varies and can last up to 36 months at most

10. Navi

One of the greatest loan application applications that helps the borrower privately is Navi, which has ratings of 4.2 on Google Play and 4.5 on the App Store.
They provide a solution for all of your financial problems and have the best loan approval rate in the market, whether you need a personal loan or have a medical emergency.

It normally offers loans up to Rs. 20,00,000 with maturities up to 6 years and interest rates ranging from 9.99 to 45%. Since it is a paperless loan granted in 10 minutes, there is no need for you to apply for a digital personal loan with no processing fees.


  • Less paperwork
  • Provides loan on an interest rate of 9.99 to 45%
  • The maximum loan amount provided is Rs. 20,000
  • Convenient; Quick


  • It might take some time to rectify changes related to the bank account

The features and benefits of availing of an instant cash loan in 1 hour are as follows:

  • Applications for instant cash loans are submitted totally online. The company’s official website is where the function for instant cash loan is available, and all you have to do is create a profile there. After you have uploaded the necessary paperwork, select the loan amount and period. If everything checks out, the business will review your papers and deposit the funds to your bank account.
  • Your loan can be changed to suit your requirements. The lender will calculate an interest rate depending on the pertinent parameters once you choose the loan amount and payback duration.
  • Interest rates for rapid cash loans are often charged by lenders, and they can range from 1.50% to 2.25% monthly. This suggests that paying back the principle on the loan will be straightforward for you. The interest rate applied to the total amount of your loan will depend on your credit score and the lending company you select. The greater the credit score, the cheaper the interest rate.
  • If you need money but lack credit or have poor credit, you can apply for a loan from lenders who provide a swift cash lending facility. Even while some companies demand a credit score of at least 600, some creditors could still provide you a loan if you’re a new customer with no credit history. However, if your credit score is low, physical verification can be required.
  • Most lenders will accept your loan application in three minutes if you fill out the application and upload the necessary documents.
  • Even if you have a modest monthly income, you might still be approved for a quick cash loan. If your credit outlook is favourable, you haven’t had a financial default during the past two years, and you don’t have a lot of credit obligations, the lender could approve your application for an emergency cash loan.
  • Various lenders provide variable repayment periods based on the loan amount you want. In the event that you just took out a little loan, the payback time can be three months to a year. The payback time, however, may increase to five years if your loan balance is quite large.


  • The eligibility for availing of an instant loan is 23 years.
  • The minimum monthly income you must be able to show is Rs.20,000.
  • You must have a minimum credit score of 600.
  • You should be an Indian citizen.
  • You should have cleared all your financial liabilities in the last two years.
  • All the information furnished by you in your document should be genuine.
  • You should be employed for a minimum of 6 months.

Documents Required To Apply

  • Aadhaar Card
  • Proof of address
  • Latest salary slips
  • Bank statement for the last six months
  • PAN Card
  • Passport size photographs

How To Apply

  • To apply for an instant cash loan, go to the lender’s official website or download its mobile application, depending on your preference.
  • Enter the required information to create your profile, including your name, email address, mobile number, etc.
  • The lender’s requirements are met by uploading the proper paperwork.
  • If the documents you presented are deemed accurate, the lender will review them and accept your loan application.
  • The loan amount and repayment duration are then yours to choose from. Following that, the loan money will be transferred to your bank account.

Terms And Conditions

  • Interest shall be payable between the distribution of the Loan and the expiration of the Loan.
  • Processing fees will also be retained.
  • To receive a quick loan, you must pay GST fees.

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