How to Secure a 1 Lakh Rs Personal Loan Instantly? Complete Details Inside

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Personal loans are a good choice when you need money fast or in an emergency. But it can be hard to get a loan if your CIBIL score is low or you have no credit history. In 2025, fintech and NBFC companies in India are giving personal loans up to Rs 1 lakh without checking CIBIL. In this report, we will tell you how to apply for this loan quickly, its benefits, rules, and the documents you need.

How to Get a Personal Loan of Rs 1 Lakh

To get a personal loan of Rs 1 lakh, first see if you can apply. You should be 21 to 58 years old. You should earn at least Rs 15,000 every month. Your credit score should be 750 or more. Keep your Aadhaar card, PAN card, bank statement, salary slip, and address proof ready. You can apply at a bank or online apps like Hero FinCorp, MoneyTap, or Bajaj Finserv. These apps give fast approval and need less paper. Check the interest rates and choose the best one.
Personal Loan Without CIBIL Check

If you have a low CIBIL score or no credit history, you can still get a loan. Fintech platforms check:

  • Income: Regular income helps get approval.
  • Job or Business: A stable job or business is good.
  • Bank Statement: Last 3-6 months show your money flow.
  • These loans may have slightly higher interest.

How to Apply

  1. Choose a trusted platform like Fincover, Creditbee, Finable, or Moneyview.
  2. Go to the website or app and select “Personal Loan.”
  3. Fill in your name, date of birth, phone number, and job/business details.