To get ₹10,000 urgently without a salary, you can use instant personal loan apps such as MoneyView, mPokket, CASHe, LazyPay and PaySense. These apps offer quick loans with disbursement in as little as 5 minutes. The process is 100% digital, requiring zero physical documentation. Once approved, the money is transferred directly to your bank account. Ensure you meet the minimum eligibility criteria, such as age, ID proof, and bank details, to access these loans easily.

Get ₹10,000 Urgently Without Salary: Features & Benefits

1. MoneyView

MoneyView offers a seamless digital platform that connects customers to various financial products through its trusted lending partners. With services like personal loans, digital gold, fixed deposits, credit cards, vehicle insurance, and free credit score checks with detailed credit report analysis, MoneyView is designed to meet your financial needs effortlessly.

  • Instant Eligibility Check: Know if you qualify for a loan in just 2 minutes.

  • Competitive Interest Rates: Rates starting at 14% per annum.

  • Affordable Processing Fee: Beginning at just 2% of the approved loan amount.

  • Flexible Repayment Options: Choose a tenure ranging from 3 to 60 months.

  • Quick Disbursement: Receive funds in your bank account within 2 hours of approval.

  • 100% Digital Experience: Enjoy a paperless application and loan disbursal process.

  • Minimal Documentation: Hassle-free eligibility criteria and simple document submission.

How to Apply for a Personal Loan from MoneyView in Simple Steps

Follow these simple steps to apply for your loan online:

Step 1: Check Your Eligibility

Visit the MoneyView app or website. Enter your details such as monthly income, employment type, gender, loan purpose, PAN, name, date of birth, mobile number, and area PIN code. Instantly view the maximum loan amount you can borrow.

Step 2: Select a Loan Plan

Choose the loan amount and repayment tenure that suits your financial requirements.

Step 3: Upload Documents

Submit the required documents online for KYC verification. MoneyView’s team will quickly review your application.

Step 4: Get Your Loan Disbursed

Once approved, the loan amount will be directly credited to your bank account within 24 hours.

2. mPokket

mPokket, an RBI-registered NBFC, offers fast and hassle-free personal loans tailored to meet the financial needs of college students with part-time jobs, as well as salaried and self-employed individuals. With loan amounts ranging from ₹1,000 to ₹45,000, mPokket ensures quick access to funds without the lengthy approval process.

Whether you're a student balancing studies and work or a professional in need of short-term financial support, mPokket provides flexible loan options with a simple application process and instant approvals.

Loan Details and Interest Rates

  • Loan Amounts: Up to ₹45,000 (depending on your profile).

  • Interest Rates:

    • ₹500 – ₹4,000: 6-month tenure, interest rate ranges from 30% to 48%.

    • ₹5,000 – ₹25,000: 9 or 12-month tenure, interest rate ranges from 24% to 30%.

  • Processing Fees: 5% to 18%, based on the loan amount and borrower category.

Why Choose mPokket?

  1. Quick Approval: Get loan approval within 10 minutes.

  2. 100% Online Process: Apply conveniently through a seamless digital application.

  3. Secure Fund Transfer: Receive funds directly into your bank account with complete security.

  4. Flexible Repayment Options: Choose between bullet loans or EMI plans that align with your financial goals.

Whether it's an emergency expense or short-term cash flow, mPokket makes borrowing simple, secure, and stress-free. Apply today to experience instant financial support.

3. CASHe

CASHe provides quick and hassle-free personal loans designed for young, salaried professionals. Through its user-friendly app, you can secure loans ranging from ₹1,000 to ₹4,00,000 in just minutes. CASHe’s innovative Social Loan Quotient (SLQ) algorithm ensures personalized credit profiling. The process is entirely paperless—simply upload your salary slip, bank statement, PAN card, and address proof. Funds are disbursed directly to your account, enabling you to tackle urgent financial needs with ease.

Key Features of CASHe Personal Loans

  • Loan Amount: ₹1,000 to ₹4,00,000.

  • Seamless Process: Fully digital application with minimal documentation.

  • Speedy Approvals: Loan approvals within 15-20 minutes.

  • Flexible Repayment: Choose a repayment plan that suits your needs.

  • No-Cost EMI for Shopping: Enjoy zero-cost EMI options for online purchases.*

  • Instant Disbursal: Funds are credited instantly for quick access.

  • Convenient Repayment: Multiple payment options for easy loan repayment.

Interest Rates and Processing Fees

CASHe offers competitive interest rates, designed to suit a variety of financial needs:

Interest Rates

  • Monthly Interest: 2.25% to 2.50%.

  • Effective APR: 27.38% to 30.42%, based on tenure.

Tenure

Monthly Interest

APR

90 days

2.50%

30.42%

180 days

2.40%

29.20%

270 days

2.25%

27.38%

360 days

2.25%

27.38%

540 days

2.25%

27.38%

Grace Period and Penalty

  • A 5-day interest-free grace period is available at the end of each month.

  • Penalty Interest: 0.7% of overdue EMIs after the grace period.

Processing Fees Based on Loan Tenure and Amount

mPokket charges a processing fee that varies depending on the loan tenure and amount. Below are the details:

For a Tenure of 90 Days

  • Loan Amount ₹0 to ₹5,999: Processing fee of ₹85

  • Loan Amount ₹6,000 to ₹33,333: Processing fee of ₹500

  • Loan Amount ₹33,334 to ₹99,999: 1.50% of the loan amount

For a Tenure of 180 Days

  • Processing fee: ₹1,200 or 2% of the loan amount (whichever is higher)

For a Tenure of 270 Days

  • Processing fee: ₹1,200 or 2% of the loan amount (whichever is higher)

For a Tenure of 360 Days

  • Processing fee: ₹1,200 or 2% of the loan amount (whichever is higher)

For a Tenure of 540 Days

  • Processing fee: ₹1,000 or 3% of the loan amount (whichever is higher)

This fee structure ensures transparency and aligns with the loan terms chosen by the borrower.

Applying for a CASHe loan is quick and simple:

  1. Download the CASHe app on your smartphone.

  2. Register using your mobile number and email.

  3. Complete your personal profile details.

  4. Upload your KYC documents.

  5. Submit your loan application and get approval in minutes.

Once approved, the loan amount will be directly credited to your bank account, ready for immediate use.

4. LazyPay 

LazyPay offers XpressLoan, an instant personal loan service, with loan amounts ranging from ₹3,000 to ₹5 lakh. Interest rates for these loans vary between 12% to 36% per annum, depending on your eligibility. You can choose a repayment period that fits your budget, ranging from 3 to 24 months.

The application process is quick and simple – apply online, and once approved, the loan amount is directly credited to your bank account. Approvals are typically granted within just 5 minutes, with no need for paperwork or physical documentation, making it a hassle-free experience.

5. PaySense 

PaySense is a leading instant personal loan app in India, trusted by over 3 lakh satisfied customers across 600+ cities and boasting more than 100 lakh app installs. It offers a seamless loan experience with flexible EMI options, no collateral requirements, and competitive interest rates.

Get quick personal loans ranging from ₹5,000 to ₹5 lakh, with monthly interest rates between 1.4% and 2.3%, ensuring affordable EMI options. A processing fee of up to 2.5% of the loan amount is charged, along with the applicable GST on the processing fee.

  • Fast Approvals & Disbursals: Quick loan approval and immediate disbursement.

  • Paperless Process: Submit documents online, no physical paperwork needed.

  • No Credit History Needed: Get approved without a credit history requirement.