Top 5 Loan Apps Without CIBIL & Income Proof in India (2025)

🏦 Top 5 Loan Apps Without CIBIL Score & Income Proof in India (2025)

If you’re looking for a quick loan app without CIBIL score and income proof, you’re not alone. In India, millions of people—especially students, freelancers, and first-time borrowers—face rejection from banks because they don’t have a credit history or salary slip.

Fortunately, several RBI-registered NBFCs and fintech apps now offer instant personal loans with minimal documentation. In this article, we’ll explore the Top 5 trusted loan apps that approve loans even without CIBIL score or income proof.

 

🥇 1. KreditBee :

KreditBee is one of India’s most popular personal loan apps. It offers small to medium personal loans for both salaried and self-employed users.

Key Features:

Loan Amount: ₹1,000 – ₹3 Lakhs

Tenure: 2 to 15 months

Interest Rate: Starting from 1.02% per month

Required Documents: Aadhaar, PAN, basic KYC only

CIBIL: Not mandatory for first-time users

Why it’s great: KreditBee provides fast approval and disbursement directly into your bank account within minutes. Even users without any prior credit score have reported successful approvals.

 

🥈 2. CASHe :

CASHe focuses on young professionals, freelancers, and students who don’t have a fixed salary slip or a strong credit history.

Key Features:

Loan Amount: ₹1,000 – ₹4 Lakhs

Tenure: Up to 1 year

Interest Rate: 1.75% – 2.5% per month

Required Documents: Aadhaar, PAN, bank statement

CIBIL: Not required for small ticket loans

Why it’s great: CASHe uses AI-based social scoring to determine your eligibility—so even without a CIBIL score, you can get approved based on your spending pattern and mobile data.

🥉 3. NIRA :

NIRA is an RBI-approved NBFC-partnered loan platform that allows users to borrow small amounts instantly.

Key Features:

Loan Amount: ₹5,000 – ₹1 Lakh

Tenure: 3 to 12 months

Interest Rate: 1.25% – 2.5% per month

Required Documents: Aadhaar, PAN, bank account

CIBIL: Flexible – low score accepted

Why it’s great: NIRA is ideal for first-time borrowers. Even users with a CIBIL below 650 can get approval with steady bank transactions.

 

🏅 4. MoneyTap :

MoneyTap is India’s first app-based credit line platform. It offers personal loans and flexible credit usage with minimal verification.

Key Features:

Loan Amount: ₹3,000 – ₹5 Lakhs

Tenure: Up to 3 years

Interest Rate: From 13% per annum

Required Documents: Aadhaar, PAN, bank statement.

CIBIL: Optional for low-amount loans

Why it’s great: You only pay interest on the amount you use. Ideal for emergencies or small business cash flow needs.

 

🎓 5. mPokket :

mPokket is designed especially for students and new earners who don’t have formal income proof.

Key Features:

Loan Amount: ₹500 – ₹30,000

Tenure: 1 to 3 months

Interest Rate: 2% – 4% per month

Required Documents: Aadhaar, PAN, student ID or offer letter

CIBIL: Not needed

Why it’s great: Perfect for students or first-job holders who need small, quick loans for education or daily expenses.

 

⚠️ Things to Keep in Mind

While these apps are convenient, always be cautious:

1. Avoid unregistered apps. Always ensure the app partners with an RBI-registered NBFC.

2. Check interest rates carefully. Instant loans often carry higher interest and processing fees.

3. Repay on time. Missing payments can still impact your future credit score.

4. Read user reviews on Play Store before applying.

 

💡 Final Thoughts :

Getting a personal loan without CIBIL score or income proof is now easier than ever, thanks to fintech innovation in India. Apps like KreditBee, CASHe, NIRA, MoneyTap, and mPokket are helping lakhs of people meet emergency expenses quickly.

However, always borrow responsibly—take loans only when needed and repay on time to build a strong credit history for the future.