Urgent Cash Loan Without Documents | Personal Loans Online
Discover the easiest way to check your loan eligibility, calculate EMIs, and plan your investments with our free online tools. Start now.
Apply for a Personal Loan Online – Quick, Easy, No Documents
Looking to apply for a personal loan online with low interest and fast approval? Our tool helps you know which lenders may approve your application instantly based on your income and city. No salary slip needed. Start now by checking your eligibility.
- 📝 No paperwork
- ⏱ Instant result
- 📱 Works on mobile
- 💰 Supports students & freelancers
Compare 12 Best Low Interest Personal Loan Providers in India
Looking for low interest personal loan apps or banks? Here's a detailed comparison of 12 trusted platforms offering quick loans, even to people with low CIBIL scores.
| Loan Provider | Interest Rate (Approx) | Min. CIBIL Required | Max Loan | Approval Time |
|---|---|---|---|---|
| HDFC Bank | 10.50% p.a. | 700+ | ₹40 Lakhs | 24–48 hrs |
| ICICI Bank | 10.99% p.a. | 700+ | ₹20 Lakhs | 1–2 Days |
| Axis Bank | 10.49% p.a. | 710+ | ₹15 Lakhs | 1–2 Days |
| Bajaj Finserv | 11% – 18% | 650+ | ₹25 Lakhs | 24 hrs |
| PaySense | 13% – 24% | 600+ | ₹5 Lakhs | Same Day |
| Navi | 9.9% – 18% | 650+ | ₹20 Lakhs | 10 mins |
| KreditBee | 14% – 25% | 600+ | ₹3 Lakhs | Fast |
| CASHe | 15% – 30% | 620+ | ₹4 Lakhs | Within 24 hrs |
| Dhani | 13.99% onwards | No CIBIL needed | ₹5 Lakhs | 10 mins |
| mPokket | 1.5% per month | For students | ₹30,000 | Same day |
| SmartCoin | 1.75% – 3% monthly | 650+ | ₹2 Lakhs | 24 hrs |
| Slice | 0% for some users | NA | ₹2 Lakhs | Instant |
Which Bank Has the Lowest Interest on Personal Loans?
As of 2025, HDFC Bank, Axis Bank, and Navi offer some of the lowest interest personal loans starting from 9.9% annually. For salaried individuals with stable income and a CIBIL score above 700, these are top options.
Is There a 0% Personal Loan in India?
No major bank offers 0% interest personal loans. However, platforms like Slice and some buy-now-pay-later (BNPL) services offer 0% interest for short durations on specific purchases. These are not traditional loans but can be helpful.
How to Get a 0% Interest Loan?
- Look for app-based BNPL services like Slice, Lazypay, ZestMoney
- Check e-commerce offers with zero-cost EMI on credit cards
- Maintain a good repayment history for offers
How to Increase Your CIBIL Score?
- Always pay EMIs and credit card bills before due date
- Keep credit utilization below 30%
- Don't apply for multiple loans together
- Maintain a mix of credit (card + loan)
- Check CIBIL report regularly for errors
Need Help Choosing the Right Loan?
Use our LoanEligibilityStatus.com Checker Tool to know which lenders may approve your loan based on your income, age, and city — no CIBIL impact.
You can also calculate your EMI using our EMI Calculator and plan your investments with our SIP Planner.
Why Choose LoanEligibilityStatus?
- 🔒 No login or OTP needed
- 🧠 Based on real-time eligibility logic
- 💼 Created by finance professionals
- 🇮🇳 Made for Indian users (in Hindi & English)
About Our Financial Tools
Loan Eligibility Checker
Our advanced loan eligibility assessment tool analyzes your financial profile to instantly determine your borrowing potential across multiple lenders. Get personalized recommendations based on your age, income, and location without affecting your credit score.
- Instant eligibility assessment
- Multiple lender comparison
- No-document loan options
- No credit score impact
EMI Calculator
Calculate precise monthly installments for any loan type with our comprehensive EMI calculator. Understand the complete cost of borrowing, including principal, interest breakdown, and total repayment amount to make informed financial decisions.
- Accurate payment projections
- Visual breakdown of payments
- Multiple loan type support
- Adjustable parameters
SIP Calculator
Plan your investment strategy with our detailed SIP calculator. Project future wealth accumulation with customizable parameters including monthly contributions, expected returns, and investment duration for optimal financial planning.
- Long-term wealth projection
- Compound interest visualization
- Multiple SIP type support
- Adjustable investment parameters
Frequently Asked Questions
Loan Eligibility Assessment
How does our loan eligibility assessment work?
Our sophisticated eligibility assessment system utilizes advanced algorithms to evaluate your borrowing potential based on multiple parameters including income, employment status, and credit history. This comprehensive analysis instantly matches you with suitable loan options from our partner financial institutions.
Is a CIBIL score required for eligibility assessment?
While a CIBIL score provides valuable insights, our eligibility assessment system is designed to accommodate various financial profiles. We work with multiple financial institutions that offer flexible loan options, making credit accessible to a wider range of applicants.
EMI Calculation
How accurate is our EMI calculation system?
Our EMI calculator employs industry-standard formulas and real-time interest rates to provide precise calculations. The system accounts for all relevant factors including loan amount, interest rate, and tenure to deliver accurate monthly payment estimates and comprehensive payment schedules.
What types of loans can I calculate EMI for?
Our calculator supports comprehensive EMI calculations for various loan types including personal loans, home loans, vehicle financing, and business loans. The system allows you to compare different loan scenarios and make informed financial decisions.
Investment Planning
What is our SIP investment calculator?
Our SIP calculator is a sophisticated tool designed to help you plan and optimize your systematic investment strategy. It provides detailed projections of potential returns, taking into account various market scenarios and investment timeframes.
How can I utilize the SIP calculator effectively?
Simply input your desired investment amount, expected return rate, and investment duration. Our calculator will generate a comprehensive analysis including total investment value, projected returns, and maturity amount, enabling you to make informed investment decisions.
