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₹30,000 Loan Without CIBIL Score in 2024
Updated : October 14, 2024
Author :
Suju
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Have you ever wondered if getting a loan without a spotless credit history is possible? Yes, it's possible. NoBroker InstaCash provides secure financial stability with ₹30,000 loans designed for individuals without a cibil score. Our hassle-free process ensures quick access to funds with a competitive interest rate of 12.99% p.a. and tenure of up to 60 months. In this blog, you’ll learn more about the documentation process, eligibility requirements, application process, and much more.
₹30,000 Loan Without Cibil Score - Quick Info
Do you need ₹30,000 but don’t have a cibil score? No worries. You can still get a loan. Even without a cibil score, some lenders can still give you a loan. NoBroker InstaCash offers a loan of ₹30,000 without cibil score. Here’s a quick info table:
| Loan Amount | ₹30,000 |
| Interest Rate | 12.99% |
| Processing Fee | 2% to 8% of the loan amount |
| Repayment Tenure | 3 - 60 months |
Eligibility Criteria for a ₹30,000 Loan Without Cibil Score
Do you want to borrow ₹30,000 but don’t have a cibil score? Here are the eligibility criteria for a ₹30,000 loan without cibil score:
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- Citizenship: Indian
- Employment Status: Salaried or self-employed
- Age: 18 to 60 years old
- Monthly Income: Minimum of ₹15,000 per month.
- Work Experience: At least six to one year of work experience.
How to Apply ₹30,000 Loan Without Cibil Score
Getting a ₹30,000 loan without a cibilscore is possible, but it’s a bit different from regular loans. Here’s how to apply for a ₹30,000 loan without cibil score.
- Look for trusted lenders, that give loans without checking your cibil score. Check if they have clear rules.
- See if you qualify for what the lender wants. They might need you to earn a minimum amount, have a job, and show some documents.
- Gather all your documents.
- You can apply online or at their office. Follow their steps and submit your documents.
- Patiently for their approval.
- If they approve, money will be credited to your bank in the stipulated amount of time.
Documentation For ₹30,000 Loan without Cibil Score
To get a ₹30,000 loan without a cibil score, you might these documents:
- Aadhar card
- PAN card
- Utility bills or rental papers
- Last 3 months' salary slips
- Bank statements for the last 6 months
- Address proof
₹30,000 Loan Without Cibil score: Is it Possible?
Yes, it’s possible to get ₹30,000 without a cibil score. NoBroker InstaCash gives loans without a cibil score at a 12.99% interest rate, Usually, you don’t need a guarantor for a personal loan. But if you don’t have a cibil score, you can ask your parents, sibling, or spouse with a good score to be your guarantor. This helps you get the loan more easily.
How to Get a ₹30,000 Loan Without Cibil Score: Tips and Tricks
You can get a ₹30,000 loan even if you don’t have a cibil score. Here are some tips and tricks to help you:
- Find a lender: Look for lenders who give loans without a cibil score. NoBroker InstaCash is a good option. They offer loans at an interest rate of 12.99% p.a.
- Apply for a small amount: Lenders are more likely to approve small loans. Asking for a bigger loan might get your application rejected because lenders will check more things to make sure you can pay back.
- Get documents ready: Submit your Aadhar card or PAN card to show who you are, Use your utility bills to show where you live.
- Get a guarantor: If you don’t have a cibil score, ask your parents, sibling, or spouse with a good score to be your guarantor.
Interest Rates on a ₹30,000 Personal Loan
When you ₹30,000, you have to pay back more money than you borrowed. This extra money is called interest. Different lenders charge different interest rates. Here’s the NoBroker InstaCash interest rate on a ₹30,000 personal loan:
| Loan Amount | ₹30,000 |
| Interest Rate | 12.99% p.a. |
| Processing Fee | 2% to 6% of the total loan amount |
| Monthly EMI | ₹1,010 |
| Repayment Tenure | 3 years |
| Delayed payment Fees | Daily interest and late fees added to the outstanding |
| Total Interest | ₹6384 |
How to Calculate ₹30,000 Personal Loan EMI
When you borrow ₹30,000, you pay back a little every month. This amount is called EMI. Let’s learn how to calculate your EMI using the NoBroker EMI calculator:
- Open the NoBroker website or their app on your phone.
- Look for the tool called NoBroker EMI calculator.
- Type in ₹30,000 as the loan amount.
- Enter the interest rate, like 12.99%.
- Pick how many months or years you want to take to pay back the loan.
- Press the button ‘calculate’ to see your results.
Fees and Charges for ₹30,000 Loan Without Cibil Score
When you borrow ₹30,000 without a cibil score, you might have to pay extra charges. These charges are called fees. It’s important to know about them before you get the loan. Here are the fees and charges for a ₹30,000 loan with no credit check:
| Processing Fees | 2% to 8% of the total loan amount |
| Prepayment Fees | 3% of the total loan amount |
| Late payment charges | ₹200 |
| Other charges | ₹300 |
Top 5 Fastest Instant Loan Apps 2024
1. NoBroker InstaCash
You can borrow up to ₹10 lakhs. They charge an interest rate starting at 12.99%. It’s quick to get approved if you’re a verified tenant or homeowner with NoBroker. They send the money to your account within 24 hours. You can pay back the money over 12 to 60 months.
- Documents: Aadhar card, PAN card, address proof, income proof.
- Age: 18 - 60 years old
- Citizenship: Indian
2. Incred
Incred gives loans up to ₹3 lakhs with an interest rate from 13.99% to 42% per year. You have to pay a processing fee, and you can choose to pay back the loan in 12 to 60 months. And your loans get approved in 12 to 48 hours.
- Documents: KYC papers, Income proof
- Age: 21 to 60 years old
- Citizenship: Indian
3. Kissht
Kissht gives loans up to ₹5 lakhs with an interest rate from 15% to 24% per year. There’s a fee to process your loan, and you can pay back the loan in 3 to 36 months. You must have a job or self-employed. And the loan gets approved in 5 minutes.
- Documents: PAN card, Aadhar card, and Income proof
- Age: 21 to 60 years old
- Citizenship: Indian
4. Upwards
Upwards gives loans up to ₹2 lakhs with an interest rate from 12% to 22% per year. There’s a fee to process your loan, and repayment tenure for the loan is 12 to 60 months. Your loan gets approved and disbursed in 24 hours.
- Documents: Bank statements, PAN card, Address proof, Aadhar card
- Age: 21 to 60 years old
- Citizenship: Indian
5. mPokket
mPokket gives loans up to ₹45,000 with an interest rate of 11.99% per year. There’s a fee to process your loan, and you can pay back the loan in up to 90 months. You must have a job or be self-employed. And your loan gets approved in 10 minutes.
- Documents: Photograph, PAN card, address proof, and Aadhar card.
- Age: 21 to 60 years old
- Citizenship: Indian
Purpose of a ₹30000 Loan Without Cibil Score
A ₹30,000 loan without cibil score can be used for different reasons:
Emergency Expenses: Sometimes, you need money quickly for unexpected things like doctor bills, fixing your house, or repairing your car. A ₹30,000 loan can help pay for these emergencies.
- Paying Off Debts: If you owe money to different people and pay a lot of interest, you can use a loan to pay everyone back. This way, you only have to pay one person and maybe less interest.
- Buying Important Things: Sometimes, you need to buy things that are very important, like fixing your furniture or paying for school stuff.
- Helping Your Small Business: If you have your own job or small business, you might need money for things like buying things to sell or fixing your equipment.
NoBroker: Your Financial Assistance In Getting A Loan
A ₹30,000 loan without a cibil score can be a helpful solution for various urgent needs. Whether for emergencies, consolidating debts, essential purchases, or small business requirements, this loan provides quick financial support.
NoBroker InstaCash can assist by offering fast approval based on your profile and credit score with funds disbursed directly to your bank within 24 hours. Download the app today!
Frequently Asked Questions
Ans: Yes, some lenders offer a ₹30,000 loan without income proof. You might need other documents to show you can pay back the loan.
Ans: You need documents like your Aadhar card, PAN card, and proof of where you live. You might also need papers to show your income
Ans: Absolutely, you can get a loan without a cibil score. Some lenders do not check your cibil score and look at other things to give you a loan.
Ans: Some lenders approve the loan very quickly, even in just a few minutes or hours. The money can be in your bank fast.
Ans: Yes, you can get a personal loan with a low cibil score. Some lenders will still give you a loan even if your cibil score is low.
Ans: Yes, it is possible to get a ₹30,000 loan without a salary slip. Some lenders accept other documents to prove your income.
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