Loan App without a PAN card

Download the Bajaj Finserv loan app without PAN card to apply for quick loans easily from home with minimal documents.
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Insta Personal Loan
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3 min
10 Nov 2025

Obtaining a loan without PAN card might seem challenging since PAN is a key document for identity verification and financial transactions, typically required by most lenders. However, several alternatives exist for those who do not possess a PAN card but still need quick financial support.

Many alternative lenders and fintech platforms now offer options for an instant loan without PAN card by using different identification proofs or advanced technology to evaluate your creditworthiness. These platforms leverage alternative data sources, enabling a broader range of applicants to access funds without traditional documentation.

For instance, with the Bajaj Finserv mobile app, you can easily apply for an instant personal loan without PAN card through the Insta Personal Loan feature. This loan can be credited to your account within as little as 30 minutes*, providing rapid financial relief when you need it most. Existing customers often receive pre-approved offers and select users may even qualify for funds without submitting documents such as PAN cards or salary slips.

If you’re seeking a hassle-free borrowing experience, applying for a personal loan without PAN card via trusted online platforms is a convenient and reliable solution, giving you access to funds quickly while avoiding the usual paperwork.

Features of instant loan apps

  1. Instant approval:
    Get quick access to funds through the app, often within minutes—ideal for urgent financial needs.
  2. Minimal documentation:
    Enjoy a completely paperless experience with minimal or no documentation, depending on eligibility.
  3. Speed and convenience:
    Instant loan apps allow you to apply anytime, anywhere, directly from your smartphone. The process is quick and straightforward, with disbursals often completed within minutes.
  4. Flexible repayment:
    Choose repayment options tailored to your financial goals. Whether you prefer shorter tenures for faster closure or longer ones for manageable EMIs, the choice is yours.
  5. Unsecured loan:
    No need to pledge collateral or security. The process is 100% digital, safe, and secure, ensuring a seamless borrowing experience.

Additional read: Instant loan app without PAN Card

Eligibility and Documents criteria for an instant loan app without PAN card

You don’t need to worry about checking complex eligibility requirements just to download instant loan apps. Many apps offer seamless access to funds without the usual hassle. If you have pre-approved offers, such as the Insta Personal Loan, you can avail an instant personal loan without documents, meaning there’s often no need to submit proof like your PAN card or income statements.

This makes applying for an instant loan without documents incredibly convenient, especially when you require quick access to cash. Whether it’s an emergency or an unexpected expense, an urgent loan without documents can be approved rapidly through such offers, helping you manage your finances with ease.

To understand more about who qualifies and what documents might be necessary in other cases, please read our detailed guide on eligibility criteria and documents required for the Insta Personal Loan.

How to Apply for an Instant Loan Without a PAN Card

Looking for a loan app without PAN card? Here's how you can apply for an instant loan without a PAN card using the Bajaj Finserv Personal Loan App:

  • Step 1: Download the App
    Install the Bajaj Finserv app from the Google Play Store or Apple App Store.
  • Step 2: Go to the personal loan section
    Open the app and navigate to the Personal Loan section on the homepage.
  • Step 3: Choose loan amount and tenure
    Enter your preferred loan amount and repayment period. Use the Insta Personal Loan EMI Calculator to plan your EMIs easily.
  • Step 4: Upload documents (if required)
    You may be asked to upload basic documents like ID proof, income proof, and address proof. In some cases, select users may not need to upload any documents at all.
  • Step 5: Submit your application
    Double-check your details and submit the form. A representative will contact you to assist with the next steps.

Select users with pre-approved offers can access funds instantly through the loan app without PAN card or paperwork, making the process fast and hassle-free.

*Terms and conditions apply.

Conclusion

When time is of the essence, choosing an instant loan without heavy documentation can be a real game-changer. These options eliminate lengthy paperwork, helping you access funds quickly and securely. Moreover, if you do not have a PAN card, you can explore a loan without PAN card app or a without PAN card loan app that allows you to apply with minimal requirements. Selecting a trusted platform offering such loans ensures a smooth, secure, and hassle-free borrowing experience during emergencies.

Additional read: Instant loan app without PAN Card

Personal Loan
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Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

Can I get an emergency loan without a PAN card?

Yes, you can apply for an emergency loan without a PAN card via select apps offering instant funds with minimal documentation.

Can students get a loan without a PAN card?

Yes, some lenders offer loans to students without a PAN card, often requiring alternative identity proof and a co-applicant or guarantor.

Can I get a loan without a PAN card?
With our Insta Personal Loan, select customers can get the funds without needing to submit any documents such as their PAN card or bank statements.
Can I get a loan using only a PAN card without a salary slip?

Yes, you can get a loan on PAN card without salary slip by providing alternative income proofs like bank statements or tax returns, subject to the lender’s eligibility and approval process.

What are the risks of taking a loan without a PAN card?

Loans without a PAN card may have higher interest rates and limited borrowing options. Also, fewer checks might increase the risk of fraud or hidden charges.

How does the Bajaj Finserv app facilitate instant credit loans?

With pre-approved offers and online application process, the turn-around time is significantly reduced. With our Insta Personal Loan, you can get the funds in your account in as little as 30 minutes*.

*Terms and conditions apply

Is it possible to get a loan with only an Aadhaar card?

Yes, many lenders accept Aadhaar as a primary document for quick ekyc online and loan approval, especially for small or instant loans.

Do you need any collateral for availing a personal loan through app?
Since our Insta Personal Loan is unsecured, you do not need to pledge any collateral such as property or gold.
Is it possible to get a loan with only an Aadhaar card?

Yes, you can avail a small cash loan on Aadhaar card without PAN card from several lenders who accept Aadhaar for quick eKYC and speedy loan approval, especially for smaller loan amounts.

Can students get a loan without a PAN card?

Yes, students can use a loan app for students without PAN card, which typically requires alternative ID proofs and may ask for a co-applicant or guarantor. Approval is subject to meeting the lender’s eligibility criteria.

Are interest rates higher for loans without PAN

Interest rates for loans without a PAN card are usually based on the lender’s evaluation of your eligibility, income, and repayment capacity. It’s best to check the required eligibility and documentation with the lender before applying.

Is a guarantor required when applying without PAN card?

Some lenders may request a guarantor to verify your repayment capability, while others may rely on alternate verification methods. Always check the required eligibility and documentation to understand the specific terms.

What are the loan limits without PAN card?

Loan limits without a PAN card are typically smaller and vary by lender. It’s advisable to check the required eligibility criteria before proceeding with your loan application.

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