Borrowing an instant loan without a credit score is not impossible. You can apply for a loan without a credit history. A salaried person can get up to ₹10,00,000 to build a credit score. QuickCashs offers personal loans from multiple lenders.
Salaried employee with a minimum ₹12,000 salary is eligible for a loan. We kept the entire process digital.
What Does “Loan Without Credit Score” Mean?
A credit score (like CIBIL) is usually the first filter lenders check. But it’s not the only way to measure trust. Many financial institutions now use alternative checks:
- Income proof (salary slips, bank statements)
- Employment type (salaried, self-employed, freelancer)
- Cash flow history (digital transactions, UPI, account activity)
- Repayment capacity instead of past defaults
Consequently, you might still be approved for credit, regardless of your credit score or if it’s low.
Eligibility Criteria for Instant Loans Without Credit Score
Most banks and NBFCs on QuickCash keep the requirements simple:
- Age: 21 to 55 years (varies by lender)
- Employment: Salaried employees can apply
- Income: Minimum monthly income of ₹12,000 (for salaried)
- Residency: Indian citizen with a valid ID and an active bank account
- Credit Score: Not mandatory (General Score -1 /700+)
Documents Required
Applying is fully digital, and only basic documents are needed:
- Identity Proof: Aadhaar Card / Passport / Voter ID
- PAN Card: Mandatory for loan processing
- Address Proof: Aadhaar, Utility Bill, or Rental Agreement
- Income Proof: 3 months Salary slips, 1 year Salary deposit bank statements
Compare Lenders for a Loan without a Credit Score
| Lenders | Interest Rate (p.a.) | CIBIL Score | Salary | |
| WeRize | 16% to 18% p.a. | -1/ 700+ | 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 |
Why Borrow Through QuickCashs?
Using QuickCashs, you can access various banks and NBFCs in one place, avoiding the need to apply individually.
Instant Approval: Paperless process, with decisions in minutes
Multiple Options: Compare offers from different lenders in one place
Flexible Amounts: Loans starting from ₹5,000 up to ₹10 lakhs
No Hidden Charges: Transparent terms before you accept
For Everyone: Salaried, self-employed, or first-time borrowers
Benefits of Loans Without Credit Score
- Opens doors for first-time borrowers
- Helps build your credit score for future loans
- Quick cash flow for emergencies, education, or personal needs
- No collateral required in most cases
- 100% digital loan application process
Also Read: Get an Instant Personal Loan for Low CIBIL Score
Who Can Apply?
- Salaried person with a minimum of Rs. 12,000 per month salary
- Young professionals who have just gotten their first job
- Small business owners needing quick working capital
- Anyone rejected earlier due to “no score” or “low score”
How to Apply in 3 Easy Steps
- Fill Application: Enter your basic details and loan amount on QuickCashs
- Check Creditworthiness: The Borrower should check loan eligibility and apply for the loan directly.
- Instant Disbursal: After approval, the funds will be directly credited to your account.
Conclusion
QuickCashs believes a three-digit number shouldn’t limit your financial future. With our network of trusted banks and NBFCs, you can get instant loans without a credit score, build your repayment record, and unlock bigger opportunities down the road.
FAQs
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How much credit score is enough for an instant loan application?
Traditional banks usually ask for a credit score of 700+, but through QuickCashs, you can get loans even with no score or low score, as long as you meet basic eligibility requirements like income and repayment capacity.
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What is the maximum loan amount I can get without a credit score?
Your salary is one of the important factors. Typically, loans range from ₹5,000 to ₹10,00,000 through QuickCash’s partner banks and NBFCs.
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Is collateral needed for instant loans without a credit score?
These are fully unsecured personal loans. You do not need to provide any property, gold, or other assets as collateral.
