How to Get Instant Personal Loan Without CIBIL Score in India 2026

If you are searching for how to get an instant personal loan without CIBIL, then read this article to understand how you can easily get your instant personal loan without CIBIL. 

In India, many believe that you need a good CIBIL score to get an instant personal loan, but there are several who get a personal loan without a CIBIL score, even an instant personal loan without income proof or a personal loan without a job. Along with this, we will cover other alternatives, like earning without investment, to avoid over-borrowing.

What is CIBIL Score and Why Does It Matter?

CIBIL score is the score you get from TransUnion CIBIL that ranges from 300 to 900. Based on your credit history and timely repayments, the score is calculated and assigned to you. If your CIBIL score is low or you have no credit history, many lenders will reject your loan application or charge a very high interest rate.

What Does “Personal Loan Without CIBIL Score” Mean for Lenders?

When lenders offer a personal loan without a CIBIL score, it means:

• They either don’t check CIBIL at all or accept applicants with very low or no history.
• They rely on alternative data like bank statements, salary slips, mobile bills, digital footprints, employment history, or proof of current income (if any) for a personal loan fast.
• However, when you apply for a personal loan without income proof or a personal loan without a job, then you need to prove to your lender about your financial discipline by showing past payment records, bank statements and other valid documents.
• For students, there is a student personal loan; however, you need to have a co-applicant who will share the responsibility of repaying the loan if you fail to repay.

Can You Get an Instant Personal Loan Without Income Proof?

Yes, you can get a personal loan without job or income, but with the conditions mentioned below:

Please note that in many cases, being completely jobless with zero income, chances of getting a fast personal loan are low, as lenders need some proof of repayment. However, if you have some inflow of money, even as a student via stipend, scholarship, small job or family support, some apps may provide you personal loan of smaller amounts.

How Lenders See Your Repayment Capacity Without a CIBIL Score?

When CIBIL is missing or low, lenders use alternative credit evaluation methods:

• Bank Statements / Cash Flow: For a consistent inflow of money, savings, and low overdrafts.
• Digital Footprints: Utility bill payments, mobile bill history, rental payments and other bills and repayment schedule.
• Behaviour-based Scoring: How often you have used similar apps, past small loans, and your transaction history.
• Co-applicant / Guarantor: Sometimes adding someone with a credit history can help you get the required loan.
• Collateral or Lien: You can get an instant personal loan if you can pledge a security like gold, property or government bonds.

RBI-Approved Top Loan Apps Without CIBIL Score

Now, let us see some of the RBI-approved top loan apps without CIBIL score that can help you get an instant personal loan without CIBIL score:

*Disclaimer: These ranges, rates, and fees are indicative. Actual applicable interest rate/loan amount depends on your profile, city, employment, alternate credit data and other factors. Please check the official website of the app before proceeding.

How to Apply for Personal Loan Fast When You Have Low or No CIBIL?

The following are the steps you need to take to apply for a personal loan fast without CIBIL score:

Step 1: Check your eligibility first

Make sure you meet the basic eligibility criteria required by lenders for an instant personal loan. The following are the most basic eligibility requirements; however, they vary from lender to lender:

• Age between 21-60
• Aadhaar & PAN linked to mobile number
• Bank account/savings account with consistent deposits

Step 2: Collect documents

You need to have a ready set of documents that may be required by your lender to approve your instant loan:

• Identity proof: Aadhaar, PAN, Passport
• Address proof: Utility bills, Aadhaar
• Bank statements (last 3-6 months)
• Employer letter for salaried people
• For students: college ID, scholarship/stipend proof
• KYC documents, eKYC wherever possible

Step 3: Apply on InvestKraft Website for Instant Personal Loan

• Click on Investkraft.com and click on Personal Loan

• Fill the form and click on Apply Now

Once done, you will receive a call from the InvestKraft team, and your application will be taken forward for processing. You will be asked to submit the required documents as well.

Things to Check Before You Take Instant Personal Loans

Before applying for an instant personal loan on other apps, please make sure to check these important points:

• High Interest Rates: Instant personal loans without CIBIL score carry a considerable risk for the lender, which is why interest rates are higher for these instant personal loans.
• Hidden/Processing Fees: There are hidden fees, like processing fees and other such charges, which are deducted from the disbursed amount.
• Late Fee Penalty: Always check the late fee penalty, as it can affect your financials.
• Repayment Stress: If your income is unstable, delaying EMIs will harm your future credit, even if your CIBIL score was initially ignored.
• Scams: Be careful with apps not transparent or not RBI/NBFC-registered. Always take loans from registered apps like InvestKraft.
• Data Privacy: Apps will require personal and financial data, which is why we recommend that you take financial services from InvestKraft only.

Getting an Instant Personal Loan in Major Cities

If you need an instant personal loan in cities like Hyderabad, Delhi, Chennai, Pune, Bangalore, Mumbai, Kerala, Nellore, Vijaywada, the process and options mostly remain the same, but some local lenders/apps have better presence or faster verification in certain metro / tier-2 / tier-3 cities. Make sure you have:

• Aadhaar/PAN are valid, and the address proof matches the city.
• If in the metro, many apps will have faster mobile data / KYC verification; also stronger network of NBFCs.
• Check for local NBFC apps or banks in your city that may allow a loan without CIBIL score or with minimal requirements.
• However, for a streamlined and faster process, you can always rely on InvestKraft, as the entire process is digital with zero paperwork.
   

Why Take a Loan When You Can Generate a Second Source of Income via InvestKraft?

Rather than immediately opting for a personal loan without CIBIL score, consider earning through a second income stream. Here is why partnering with InvestKraft is a great option you can consider:

• No Debt Burden: Earning instead of borrowing means less stress about EMI, interest, and default risks.
• Tech-based Platform: You can become a partner of InvestKraft and offer insurance, investment, loan, and bill payment services to your network. You get backend support, a customised app/website and many more smart features.
• Zero Investment Required: You do not need any investment to start your digital entrepreneurship with IK Partner. Just create the account, and you are ready to start!
• Possibility of Immense Business Growth: As your network grows, income grows. There is absolutely no limit to income.
• Sustainable Business: By becoming an IK partner, apart from extra income, you build your own brand and credibility in the long run.

Watch this video to learn how to sign up and become an IK partner in a few simple steps!

Also, you can check our other article if you want more ideas on how to earn money online without investment in 2026.

Conclusion

Getting a personal loan without CIBIL score in India in 2026 is possible, especially via digital NBFCs and loan apps that rely on alternate credit evaluation. You may also find an instant personal loan without income or without income proof in certain cases, especially for students or those with irregular income. But a higher cost (interest and fees) comes with that. You can use the InvestKraft EMI Calculator to check the EMIs of your personal loan.

Before you borrow, calculate whether it is better to avoid debt, maybe by earning via apps or by being an entrepreneur when you become a partner with InvestKraft. If you do decide to borrow, choose reputable apps, read the terms well, and only take what you can repay.

Frequently Asked Questions (FAQs)

How to get a loan without CIBIL score?

By using NBFCs or fintech/loan apps that do not enforce strict CIBIL requirements, providing alternative proofs like bank statements, digital payments, being a student, etc.

Can I get a loan without CIBIL score?

Yes - several apps (InvestKraft, PaySense, NIRA, EarlySalary, mPokket and others) offer loans even if your CIBIL score is poor or non-existent. But conditions apply, and interest may be higher.

Which bank gives personal loan without CIBIL score?

Most mainstream banks require credit history; however, some NBFCs and digital lenders associated with apps may accept applicants with very low or no CIBIL score. Always check specific terms. The apps listed above are better suited.

How to apply for loan without CIBIL score?

Download app, complete KYC (Aadhaar, PAN), provide bank statements or alternate proof of income, select the loan amount, read the terms, and submit.

How to check CIBIL score / loans details without OTP?

Usually, you need PAN, mobile number and OTP via registered mobile to check your own CIBIL / credit report. Without OTP is generally not allowed for security reasons. Use the official website of TransUnion CIBIL.

How to get a personal loan?

Choose a lender or app, check eligibility, apply with required docs, choose loan amount and repayment duration, agree to terms, and repay by EMIs or as per plan.

What is a personal loan?

An unsecured loan taken by an individual for personal needs - emergencies, travel, education, medical, etc., with a fixed repayment schedule.

Which bank has the lowest interest rate on personal loan?

Varies by applicant profile, credit history, and loan amount. Sometimes banks offer around 10-12% p.a. for applicants with very good credit. NBFC / fintech apps offer personal loans at higher interest rates for low/no CIBIL.

Which bank is best for personal loan?

The best bank will be one that offers reasonable interest, minimal fees, transparent terms, flexible repayment, and good customer service. For low/no CIBIL, NBFCs/fintech apps are often more feasible than big banks.

How much personal loan can I get?

Depends on your income, cash flow, bank statements and lender’s policy. For apps without CIBIL, amounts might be small (₹1,000 to ₹50,000) or up to ₹5-6 lakhs, depending on the profile.

How to get personal loan from SBI?

SBI requires a credit history / CIBIL check, income proof, etc. For an SBI personal loan, check SBI’s official site or a branch.

How to check CIBIL score?

You can check your CIBIL score via TransUnion CIBIL official website or mobile app; you will need PAN, personal details, and mobile OTP. Some third-party services allow credit score checks, but official is better.

What is the best CIBIL score?

Generally, a score above 750-800 is considered very good; above 700 is good. Below 600 is seen as low risk but may lead to higher interest or rejection.

How much CIBIL score is good?

700+ is good in most cases. But even if your score is lower, some apps may give you a loan with alternative credit checks.

How to check CIBIL score with PAN card?

Use the official TransUnion portal, enter PAN, other identity details, and OTP to your registered mobile. That is standard procedure.

Author: Diwakar Kumar Singh

Diwakar Kumar Singh is an accomplished content creator with over 6 years of experience in crafting both long-form and short-form content.

 

A gold medalist in MBA (Marketing) from IMT and a qualified petroleum engineer, Diwakar brings a results-driven mindset to his work. His passion for writing enables him to produce compelling and engaging content that resonates with diverse audiences.