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Need Instant Cash? Check Out These 10 Apps with No Salary Slip Requirement

Imagine: You’re in urgent need of cash because of some unexpected emergency. Your only option is to apply for a loan to meet this sudden financial emergency. However, you are faced with disappointment upon learning that most traditional loan procedures often require extensive documentation. You realise you don’t have a salary slip which leaves you in a dilemma.

Financial constraints can be very stressful and leave one feeling hopeless. Conventional loan methods demand you to submit documents like salary slips and credit scores. But salary slips are important when it comes to financing, so how do you obtain a loan without one?

Fortunately, instant loan apps have become our digital saviours as they are continuously revolutionising the lending world. These apps offer immediate funds without any hassle of presenting salary slips and other excessive documents.


To make it easier for you, this article will delve into the top 10 instant loan apps that cater to your urgent financial needs with ease.

Top 10 Apps Offering Instant Loans without a Salary Slip

These 10 apps offer a lifeline for people in need of instant loans without the restrictions of salary slips:

True Balance

True Balance is a well-reputed, RBI-authorised instant loan app that offers instant loans through RBI-licensed NBFCs. Founded in 2014, this app has gained popularity for providing borrowers with a smooth user experience through its seamless application process and quick loan disbursement. It even offers the best affordable interest rates and has flexible repayment options. You can easily get an instant loan through this app as it does not require excessive documentation.


MoneyTap is one of the best instant loan apps that provides access to cash without collateral. Whether it’s unexpected medical bills or a home repair, this app ensures a seamless borrowing experience. It offers loans up to ₹5,00,000 with a flexible repayment range from 3 to 36 months. This is a great loan app to get financial help without the stress of maintaining too much documentation.


With PaySense, obtaining a personal loan has become extremely convenient. This app is a popular option for people looking for instant loans without extensive documentation. It assesses your creditworthiness using a variety of indicators other than salary slips. PaySense offers loans ranging from ₹5,000 to ₹5,00,000 and lets users avail loans even without any credit history.


This instant loan app provides quick and simple personal loans while highlighting the value of individual merit as opposed to just relying on traditional credit scores. It has a seamless, user-friendly interface and enables users to get single approval for multiple loans at the same time.


mPocket is a user-friendly instant loan app that offers personal loans and helps users meet their financial obligations effortlessly, even without salary slips. You can choose a loan amount that best suits your needs and one that you can easily afford to repay.


Dhani is a great app offering loans to students and salaried employees through a user-friendly interface. The app ensures that individuals facing emergencies receive the needed financial aid without unnecessary delays. It offers loans up to ₹5,00,000 to the borrowers. The interest rates vary depending on your eligibility, required loan amount and chosen repayment tenure.

Home Credit

Home Credit is a trusted name for people in need of financing. It’s a versatile choice for you if you are looking for instant loans without salary slips. You can get loans up to ₹2,00,000 on submitting your identity proof documentation. You can repay the amount over 26 months at reasonable interest rates.

Money View

Money View is a well-known loan app that not only grants loans but also assists users in tracking their spending habits. It lets you determine your loan eligibility and ensures a more responsible approach to borrowing.




This quick loan app caters to young professionals who might not have credit histories. You can apply for a loan up to ₹4,00,000 through this loan app and receive immediate cash within just a few minutes. You can enjoy the benefit of a number of loan offers and repayment terms.


Kissht is a one-stop solution for quick financing. This app is a go-to resource for obtaining instant loans without salary slips with its straightforward application process and quick approvals.


With the advent of loan apps on the market, it can be difficult to choose the best instant loan app for your money needs. Although all these apps are made to make the borrowing process convenient for the users, you have to find one that meets your demands.

True Balance is the best instant loan app that provides a unique approach to lending. While not covered in-depth in this list, True Balance also offers instant loan options and stands as a reliable choice for those seeking quick financial assistance. Their entire application process is completely online, and the disbursement of the amount usually takes around 24 hours.

Download the True Balance app from Google Play Store to read more about their advantages.


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