Life doesn’t wait. Sometimes, you need quick cash to handle emergencies medical bills, travel, utility payments, or just to make it through the month. If you’re looking for an urgent ₹3,000 loan but don’t have a CIBIL score or have a low one, the good news is: you still have options.
Can You Still Get a ₹3,000 Loan Without a CIBIL Score?
Yes. A growing number of lenders are now offering small-ticket personal loans without relying heavily on traditional credit scores. These are often called “no-credit-check loans” or “low-doc personal loans.” But be careful—some come with high interest rates or hidden fees.
Benefits of a ₹3,000 Loan Without a CIBIL Score
1. Get a Loan without Credit History
This loan gives first-time borrowers a way to access credit without being blocked by a “no score” status. No need to stress over your CIBIL report—you’re still eligible.
2. Quick Cash in Emergencies
Need money now for groceries, bills, recharge, or travel? These loans are fast-tracked, with approval and disbursal often in under 30 minutes. Perfect for urgent needs.
3. Fully Digital, Zero Paperwork
No standing in line at the bank. Apply from your phone with just a few steps. Upload your Aadhaar, PAN, and bank statement, and you’re done.
4. Helps Build Your Credit Score
Even though your score wasn’t required, on-time repayment can help establish a positive credit history. This small loan can unlock larger loans later on.
5. Low Financial Commitment
₹3,000 is a small, manageable amount. It’s easier to repay than a big personal loan, especially if your income is limited or unpredictable.
7. No Collateral Needed
You don’t have to mortgage your phone, gold, or bike. These are unsecured personal loans, meaning you borrow without risking your assets.
8. Flexible Repayment Options
Some platforms let you choose from weekly, bi-weekly, or monthly repayment schedules. No pressure to pay it all back in one go.
Top Lenders Provide 3,000 Loan without CIBIL Score
| Lenders | Interest Rate (p.a.) | CIBIL Score | Salary | |
| WeRize | 16% to 18% p.a. | -1/ 680+ | Rs. 12,000 | Apply Now |
| MoneyView | 1.33% per month | 720+ | Rs. 13,500 | Apply Now |
| InCred | 11.49% to 18% p.a. | -1/ 700+ | Rs. 15,000 | Apply Now |
| Fibe | 24% to 30% p.a. | -1/ 680+ | Rs. 18,000 | Apply Now |
| Prefr | 18% to 36% p.a. | 730+ | Rs. 18,000 | Apply Now |
| Finnable | 16% to 22% p.a. | -1/ 700+ | Rs. 15,000 | Apply Now |
| IDFC | 12.50% to 18% p.a. | 700+ | Rs. 15,000 | Apply Now |
| PaySense | 1.4% to 2.3% per month | 720+ | Rs. 18,000 | Apply Now |
| mPokket | 1% to 6% per month | 680+ | Rs. 9,000 | Apply Now |
Eligibility: Who Can Apply?
You don’t need a credit history, but you do need to show you’re reliable. Here’s what most lenders look for:
- Age: 21 to 55 years old
- Income: Minimum ₹12,000 per month (salaried or self-employed)
- Bank Account: 12 months’ salary deposit statement
- ID Proof: Valid government ID (Aadhaar, PAN, etc.)
- Mobile Number: Active number linked to Aadhaar
- Location: Urban or semi-urban areas are usually preferred (some lenders are pan-India)
Also Read: 10 Lakh Instant Loan Without Documents
Documents You’ll Need
No bulky files, just basic digital docs:
- Aadhaar Card (for identity and address)
- PAN Card (for verification)
- Bank Statement (last 12 months, PDF from your app or email)
- Salary Slip (Recent 3 months)
- Selfie (for face verification)
How to Apply Step-by-Step (No CIBIL Required)
Here’s how to get that ₹3,000 in your account fast:
1. Pick Your Lender Wisely
Compare eligibility criteria and choose a loan application platform.
2. Click on the “Apply Now” button
Start your loan application journey with the “Apply Now” button.
3. Register with Your Mobile Number
Use the number linked to your Aadhaar for quick KYC.
4. Complete Your Profile
Upload:
- Your ID documents
- A recent selfie
- Income details and bank statements
5. Get Instant Eligibility Check
Lender verifies your profile in minutes. If approved, you’ll see a ₹3,000 offer or more.
6. Accept the Loan Terms
Review interest, tenure, and fees. Confirm if it looks fair. Click Accept.
7. Money in Your Bank
Funds are usually transferred within 5–30 minutes after approval. Some are instant.
FAQs
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How much income is applicable for a ₹3,000 loan?
Most lender offers a ₹3,000 loan at a monthly salary of Rs. 12,000 or above.
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Can I apply for a ₹3,000 loan without a CIBIL score?
Yes. You can borrow a ₹3,000 loan without a credit score, but you should be a salaried person.
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Which lender offers a personal loan at a salary of ₹12,000?
QuickCash’s official partner, WeRize, is offering up to ₹5 Lakh personal loan at a ₹12,000 salary. But if you have a salary of more than ₹25,000, you can get up to ₹10 lakh loan.
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How much tenure is available for a ₹3,000 loan?
You can opt for a personal loan with a tenure of 12 to 36 months.
