Instant loan without CIBIL score in 2025: Personal loan is one of the famous loan feature in banks and financial companies where they are offering a good loan to those individuals who have a good CIBIL score. However many companies are offering instant personal loan in 2025 but most of them are rejecting the application form of the applicant due to their low CIBIL score. If you are also facing such problems and want to get the instant personal loan, then you can check this article where we have listed top 7 apps offering quick personal loan in 2025 and also sharing with you methods how can you apply for Instant loan without CIBIL score in 2025.
Instant loan without CIBIL score in 2025
Instant loans are provided in a few minutes to the applicant by companies if they fulfill the certain eligibility criteria. Bank are the traditional sources to apply for a loan but banks take a long time to approve the loan application. Instead of this there are many small financial companies which are offering instant loan to their customers with minimum conditions. However companies are checking the CIBIL score of the customer to release the loan amount in bank account directly.
What is the CIBIL Score
The CIBIL score is a 3 digit number which is labelled by banks to all the customers. How much you increase your CIBIL score, it will impact positively on your banking history and how much the score is decreased, you will get difficulties to get personal loan. The range of the CIBIL score is between 300 to 900. Usually a customer who have CIBIL score more than 750 is considered a CIBIL score customer, and individuals who have a CIBIL score less than 650 is considered an untrusted customer.
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How CIBIL Score Works
Banks are maintaining CIBIL scores of their customers according to the Banking activities of the customer. If you apply for a loan and repay it within the timeline then company will increase your CIBIL score and will list you in a trustworthy customer. If you delay to repay the loan installment then company will automatically decrease your marking in CIBIL score. Apart from this if you do not apply for a loan then you will also face 0 cibil score. So how much you engage in banking activities, will automatically increase your CIBIL score.
Tips to Get Instant loan without CIBIL score in 2025
There are many methods and tips which can be followed to get an instant loan without using your CIBIL score.
Apply for a little loan amount
If you have a bad CIBIL score then you will not get higher amount from the bank. So instead of Getting higher amount, you should firstly apply for a smaller amount as a loan from the company and repay it within timeline. So the bank will automatically increase your CIBIL score and will allow you to apply for higher amount in next time.
Apply with your salary slip
Companies are worried about collecting their amount from the customers due to their financial instability. But if you have a regular source of income then it will show that you can easily repay the loan amount and can satisfy the bank representative. You can prepare last 6 month to 1 year salary slip and show it to the bank representative, so they will allow you to get an instant loan without CIBIL score.
Apply with a guarantor
A guarantor is a person who is taking responsibility of the borrower. If the borrower fail to repay the loan amount then bank will contact to the guarantor to repay the loan and encourage the borrower to return loan amount to the bank. If you have a bad CIBIL score, then contact to a person who have a good banking history to become your guarantor, so bank will allow you to get instant loan accordingly.
Apply loan with collateral
Collateral is a security deposit which is asked by the bank or Lander company which is allowing the instant loan to their customer. If you have and Expensive item such as jewellery, gold, property or any other assets then you can apply for alone against your assets by depositing it to the bank so once you complete the repayment of your loan, you will get back your assets accordingly. this procedure will not required any CIBIL score or need of the guarantor.
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Apply for Instant loan without CIBIL score in Mobile Apps
You can check the following table of the mobile applications which are offering instant loan to their customers without having CIBIL score.
| App Name | Loan Range | Repayment Duration | Interest Rates |
| KreditBee | ₹1,000 – ₹4,00,000 | 3 – 24 months | 15% – 30% per annum |
| MoneyTap | ₹3,000 – ₹5,00,000 | 2 – 36 months | 13% per annum onwards |
| Navi | Up to ₹20,00,000 | Up to 72 months | 9.99% per annum onwards |
| PaySense | ₹5,000 – ₹5,00,000 | 3 – 60 months | 16% – 36% per annum |
| CASHe | ₹1,000 – ₹4,00,000 | 3 – 18 months | 2.5% per month onwards |
| mPokket | ₹500 – ₹30,000 | Up to 3 months | Up to 4% per month |
| RupeeRedee | ₹5,000 – ₹25,000 | Up to 30 days | Varies |
These companies are offering loan amount between 1000 rupees to 5 lakh rupees or more instantly to their customers within few minutes. Customers will get option to pay the amount of the loan from 3 month to maximum 60 months according to the plan and offer by the company. However you are required to compare the interest rates of these companies as most of them are charging higher interest then regular loans from banks.