How To Get Rs 20000 Rupees Urgently

If you urgently need ₹20,000, you can opt for Instant Personal Loan Apps like MoneyView, CASHe, Finnable, Zype, mPokket, KreditBee, PaySense, Fibe, and True Balance. These apps offer a quick, 100% online process with minimal documentation. The loan processing takes just 15 to 20 minutes, and the disbursal is fast with direct bank transfers. 

Top Instant Loan Apps to Get ₹20,000 Urgently 

Need ₹20,000 urgently? We’ve compiled a list of the best instant loan apps in India that offer quick approval, minimal documentation, and fast disbursal to help you get the funds you need without any delays. 

Features and Benefits of Instant Loan Apps for ₹20,000 in Urgent Need 

1. MoneyView 

MoneyView is a comprehensive digital platform offering a range of financial products through its lending partners. Customers can access tailored financial solutions, including personal loans, digital gold, fixed deposits, credit cards, vehicle insurance, and free credit score checks with credit report analysis. 

MoneyView Personal Loan Features 

• Instant Eligibility Check: Determine loan eligibility in just 2 minutes. 

• Interest Rate: Starting at 14% per annum. 

• Processing Fee: Starts from 2% of the approved loan amount. 

• Repayment Flexibility: Choose terms from 3 to 60 months. 

• Quick Disbursement: Once approved, funds are transferred to your account within 2 hours. 

• 100% Digital Process: A completely paperless application and disbursal process. 

• Minimal Documentation: Simple eligibility and documentation requirements. 

Eligibility Criteria for MoneyView Personal Loans 

• Age Requirement: 21 to 57 years. 

• Employment Status: Applicant must be either salaried or self-employed. 

• Income Requirement: Minimum monthly household income of ₹25,000, credited directly to a bank account. 

• Credit Score: A minimum CIBIL score of 650 is required. 

How to Apply for a Moneyview Personal Loan in 4 Simple Steps 

Step 1: Check Your Eligibility 

Log in to the Moneyview app or website and enter details like monthly income, employment status, gender, loan purpose, PAN, name, birthdate, mobile number, and area PIN code. Instantly, you’ll see the maximum loan amount you qualify for. 

Step 2: Choose Your Loan Plan 

Select a loan offer and repayment terms based on your eligibility. Pick the one that best matches your financial needs. 

Step 3: Submit Documents 

Upload the required documents for KYC verification. The entire process is online, and Moneyview’s team will review your application promptly. 

Step 4: Receive Funds 

Upon approval, the loan amount will be transferred directly to your bank account within 24 hours. 

2. CASHe 

CASHe offers quick personal loans for young salaried professionals through an easy-to-use app. With loans ranging from Rs. 1,000 to Rs. 4,00,000, CASHe uses a unique algorithm, The Social Loan Quotient (SLQ), to create personalized credit profiles. No paperwork is needed—just upload your salary slip, bank statement, PAN card, and address proof. Funds are transferred to your account in minutes, helping you meet urgent financial needs. 

CASHe Personal Loan Features 

• CASHe offers personal loans ranging from ₹1,000 to ₹4,00,000. 

• Minimal paperwork compared to traditional banks, with a fully digital application process. 

• Loan approval is quick, typically taking just 15 to 20 minutes. 

• Flexible repayment options tailored to your needs. 

• Enjoy no-cost EMI* for online shopping. 

• Instant disbursal of loans for immediate use. 

• Multiple payment methods available for loan repayment. 

CASHe Loan Eligibility Criteria 

• Age: 21 to 55 years 

• Minimum Monthly Salary: ₹25,000 

• Salary Payment: Must be credited through direct bank transfer only 

CASHe Loan Details: Eligibility, Loan Amount, and Tenure Options 

Here is a summary of CASHe loan details based on various tenure options: 

CASHe Loan Interest Rates and Processing Fees 

We offer competitive loan products with interest rates tailored to suit your needs. The monthly interest rate is 2.50%, which equates to an effective annual rate (APR) ranging from 27.38% to 30.42% based on the loan tenure. 

Loan Terms and Interest Rates: 

• 90 days: 2.50% per month | APR: 30.42% 

• 180 days: 2.40% per month | APR: 29.20% 

• 270 days: 2.25% per month | APR: 27.38% 

• 360 days: 2.25% per month | APR: 27.38% 

• 540 days: 2.25% per month | APR: 27.38% 

Additionally, we provide a 5-day interest-free grace period at the end of each month to give you extra time to settle your EMI. However, if the EMI is not paid within this grace period, a 0.7% penalty interest is charged for overdue payments. 

Processing Fees for Loan Applications: The processing fee is based on the loan tenure and amount, as detailed below: 

• 90 days: 

• ₹85 for loans between ₹0 to ₹5,999 

• ₹500 for loans between ₹6,000 to ₹33,333 

• 1.50% of the loan amount for loans between ₹33,334 to ₹99,999 

• 180 days: ₹1,200 or 2% of the loan amount, whichever is higher 

• 270 days: ₹1,200 or 2% of the loan amount, whichever is higher 

• 360 days: ₹1,200 or 2% of the loan amount, whichever is higher 

• 540 days: ₹1,000 or 3% of the loan amount, whichever is higher 

How to Apply for an Instant Personal Loan on the CASHe App: Easy Steps 

Follow these simple steps to apply for an instant personal loan on the CASHe app: 

• Download the CASHe app on your phone. 

• Register using your phone number and email address. 

• Fill in the necessary personal information. 

• Upload your KYC documents and submit your loan application. 

• Once approved, the loan amount will be instantly transferred to your bank account. 

3. Finnable 

Finnable is a fintech company in India that offers instant personal loans, primarily to salaried individuals. Their aim is to revolutionize lending in India by providing digital loans instantly and without any paperwork. Finnable’s products include personal loans, shopping loans, medical loans, travel loans, education loans, marriage loans, home renovation loans, vehicle loans, and free credit score checks. 

Key Features and Benefits: 

• Instant personal loans available from ₹25,000 to ₹10,00,000. 

• Attractive interest rates ranging from 16% to 35.99%. 

• Flexible EMI options with loan tenures of up to 60 months. 

• Quick application process—apply in a few clicks with minimal documentation. 

• Fast disbursal: loan amount transferred to your account within 2 hours. 

• Fully digital process: no physical paperwork, apply anytime, anywhere. 

• Transparent terms with no hidden fees. 

Eligibility Criteria for Finnable Personal Loan 

1. Citizenship: Applicants must be Indian citizens. 
2. Age Requirement for Salaried Individuals: The age limit is set between 21 and 60 years. 
3. Income Requirement: Salaried individuals need a minimum monthly income of ₹15,000. 
4. Employment Continuity: A minimum of one year of continuous employment is required, with at least six months at the current employer. 
5. Credit Score: Applicants must have a credit score of 700 or higher. 

4. Zype 

Zype Online Loan App offers a seamless way to access instant credit lines and receive funds directly into your account. Enjoy flexible repayment plans with convenient EMIs tailored to suit your needs. The app also allows you to effortlessly pay bills, insurance premiums, and recharge your accounts. Plus, earn guaranteed cashback on every transaction, every time, making payments even more rewarding! 

Key Features and Benefits: 

• Avail personal loans up to ₹5 lakhs. 

• Personal loan interest rates start as low as 1.5% per month. 

• Processing fees range from 2% to 6% on every loan. 

• Enjoy the benefit of no collateral and no pre-closure charges. 

• Flexible repayment options available, with choices of 6, 9, or 12 EMIs. 

• Apply for a personal loan online in under 5 minutes and get approved within 60 seconds. 

• Instant disbursal of personal loans for quick access to funds. 

• Choose a repayment tenure of 6, 9, or 12 EMIs based on your preference. 

• No need for document uploads or paperwork, making the process hassle-free. 

Eligibility Criteria for Zype 

• Age: Minimum 18 years. 

• Work Experience: Must be a salaried individual with stable employment. 

• Documentation: Valid PAN card and Aadhaar card are required for identity and citizenship verification. 

• Income: Minimum monthly salary of ₹15,000 to ensure repayment capability. 

How to Apply for a Loan on the Zype App 

• Download the Zype app from the Play Store or App Store and create an account. 

• Complete the application by providing your PAN number, name, and phone number. 

• Get approved for a credit line in 60 seconds based on your credit profile. 

• Complete KYC by adding your Aadhaar number and doing a selfie verification. 

• Choose your loan amount and EMI option that suits your requirements. 

• Transfer the funds directly to your bank account with a single tap. 

5. mPokket 

mPokket is an RBI-registered NBFC that provides quick and hassle-free loans to college students with part-time jobs, as well as salaried and self-employed individuals. Our personal loan offerings range from Rs. 1,000 to Rs. 45,000, making it easier for individuals to meet their financial needs without the long wait. With a simple application process and fast approval, mPokket aims to support those who require immediate financial assistance. Whether you're a student juggling studies and work or someone with a regular income, mPokket offers flexible loan options to suit your needs. 

• You can avail a personal loan of up to Rs. 45,000, depending on your profile. 
• The interest rates vary based on the borrower’s category. Here's the breakdown: 

  • For loan amounts between Rs. 500 and Rs. 4,000, the tenure is 6 months, and the interest rate ranges from 30% to 48%. 

  • For loan amounts between Rs. 5,000 and Rs. 25,000, the tenure options are 9 or 12 months, with an interest rate ranging from 24% to 30%. 

• The processing fees charged range from 5% to 18%, depending on the loan amount and borrower category. 

• Get quick approval within 10 minutes and receive your funds without delay. 

• Apply for a loan through our 100% online process, making it fast and convenient. 

• Experience seamless fund delivery directly to your bank account with full security. 

• Opt for bullet loans or easy EMI repayment plans that suit your financial needs. 

Eligibility Criteria for mPokket Loans

• For Students: mPokket offers loans to college students for personal financial needs.
• For Salaried Professionals: Get a loan with a take-home salary of Rs. 9,000 or more.