Top 10 Instant Loan Apps in India Without a PAN Card (2025)

Access to instant loans has revolutionized personal finance in India, especially for those who do not have access to traditional banking services. However, a common hurdle many individuals face while applying for loans is the requirement of a PAN card. Fortunately, several financial service providers now offer instant loans without requiring a PAN card, making it easier for people to manage financial emergencies.

This article highlights the 10 best instant loan apps in India (2025) that do not require a PAN card, helping you choose the most reliable and convenient option.

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Things to Consider Before Using an Instant Loan App Without a PAN Card

Before applying for an instant loan through any app, it’s essential to consider key factors such as:

✅ Interest Rates & Fees

Many instant loan apps charge higher interest rates compared to traditional banks. Always compare rates and check for hidden fees before proceeding.

✅ Loan Amount & Repayment Terms

Evaluate the maximum loan amount and repayment tenure. Shorter repayment periods often mean higher EMI payments, so choose accordingly.

✅ Eligibility Criteria

Each lender has different requirements, such as income verification or Aadhaar-based KYC. Ensure you meet the eligibility criteria before applying to avoid rejection.

✅ Data Privacy & Security

Since loan apps access your personal and financial data, opt for platforms with strong security measures and encryption to protect your information.

Top 10 Instant Loan Apps in India Without a PAN Card (2025)

1. MoneyView

Best for: Large loan amounts with flexible repayment

🔹 Loan Amount: ₹5,000 – ₹10 lakhs
🔹 Interest Rate: Starting from 1.33% per month
🔹 Repayment Tenure: 6 to 60 months
✅ Pros: Affordable interest rates, caters to low credit scores
❌ Cons: Loan amounts may not be sufficient for high-value needs

2. NIRA

Best for: Borrowers without a CIBIL score

🔹 Loan Amount: ₹1,000 – ₹1 lakh
🔹 Interest Rate: 13% – 24.03% per annum
🔹 Repayment Tenure: 2 to 12 months
✅ Pros: Instant approvals, no CIBIL score required
❌ Cons: Higher interest rates, shorter repayment period

3. KreditBee

Best for: Quick personal loans without extensive credit checks

🔹 Loan Amount: ₹1,000 – ₹2 lakhs
🔹 Repayment Tenure: 3 to 6 months
✅ Pros: No PAN card required, alternative data used for credit assessment
❌ Cons: Higher interest rates, limited loan amount

4. Kissht

Best for: Transparency and quick disbursal

🔹 Loan Amount: Up to ₹5 lakhs
🔹 Interest Rate: 15% – 24% per annum
✅ Pros: Larger loan amounts, clear and transparent terms
❌ Cons: Higher interest rates than some competitors

5. Dhani App

Best for: Secure and flexible loan options

🔹 Loan Amount: Varies based on profile
🔹 Interest Rate: Competitive
✅ Pros: Backed by Indiabulls Group, reliable and secure
❌ Cons: Limited information on loan details before application

6. Spart Phone Loan

Best for: Financing smartphone purchases

🔹 Loan Amount: Based on the smartphone model
🔹 Repayment Tenure: Short-term (a few months)
✅ Pros: Great for smartphone financing
❌ Cons: Limited use (only for smartphone purchases), high-interest rates

7. Acko Loans

Best for: Personalized loan offers

🔹 Loan Amount & Interest Rates: Customized per user
✅ Pros: Trusted brand, innovative financial solutions
❌ Cons: Limited publicly available loan details

8. PaySense

Best for: Salaried & self-employed individuals

🔹 Loan Amount: ₹5,000 – ₹5 lakhs
🔹 Interest Rate: 16% – 36% per annum
🔹 Repayment Tenure: Up to 48 months
✅ Pros: Higher loan amounts, flexible repayment options
❌ Cons: Higher interest rates for some borrowers

9. MobiKwik Zip

Best for: Digital wallet users

🔹 Loan Amount: Based on MobiKwik wallet activity
🔹 Repayment Tenure: Short-term
✅ Pros: Easy application for frequent MobiKwik users
❌ Cons: Limited loan amounts, short repayment period

10. FlexSalary

Best for: Accessing credit on demand

🔹 Credit Line: Up to ₹2 lakhs
🔹 Interest Rates: Charged on utilized credit only
✅ Pros: Only pay for what you use, ideal for salaried professionals
❌ Cons: Requires stable employment, not suitable for one-time borrowing

Key Takeaways: Responsible Borrowing Tips

💡 Use Instant Loans for Emergencies – These loans should only be used for urgent financial needs, not long-term expenses.

💡 Compare Loan Offers – Check different apps for the best interest rates, loan amounts, and repayment terms before applying.

💡 Read the Fine Print – Understand all charges, terms, and conditions before signing up.

💡 Explore Alternatives – If possible, consider building an emergency fund or using low-interest credit cards instead of high-cost instant loans.

Final Thoughts

Instant loan apps without a PAN card provide a much-needed financial solution for those who lack formal documentation or credit history. However, borrowers must exercise caution, compare options, and read terms carefully before proceeding.

If you’re in urgent need of funds, any of the top 10 instant loan apps in India (2025) listed above can help you bridge financial gaps quickly and conveniently. However, always borrow responsibly to avoid financial strain in the future.

📌 Have you used any of these loan apps? Share your experience in the comments below!