Loan App without a PAN card

Download the Bajaj Finserv mobile app and apply for a loan from comfort of your home.
Insta Personal Loan
3 min

Obtaining an instant loan without a PAN card may appear daunting, as this document is crucial for identity verification and financial transactions, often required by lenders. Nonetheless, there are alternative lending avenues available to individuals without a PAN card.

One option is to select alternative lenders that may accept other forms of identification or utilise different verification methods to determine loan eligibility. Moreover, certain fintech firms and online lending platforms specifically cater to individuals lacking a PAN card. These platforms utilise advanced technology and alternative data sources to assess creditworthiness, enabling them to extend loans to a wider range of applicants.

You can easily use the Bajaj Finserv mobile app to get our Insta Personal Loan, which credits the loan amount in your account within as little as 30 minutes* to 4 hours. Insta Personal Loan provides pre-approved offers to existing customers. Select customers may be able to get the funds without needing to submit any documents such as PAN cards or salary slips.

Here is how you can apply for an instant loan on the app without a PAN card

A step-by-step guide to using the Bajaj Finserv personal loan app:

  1. Install the Bajaj Finserv App
    Download the Bajaj Finserv app from the Google Play Store for Android users or the Apple App Store for iOS users.
  2. Access the personal loan section
    Locate the personal loan section within the app interface.
  3. Select loan amount and tenure
    After confirming your eligibility, the quick loan app will guide you through choosing the loan amount and repayment period that aligns with your requirements. Use our Insta Personal Loan EMI Calculator to determine your EMI amount and assess whether it fits your repayment budget.
  4. Provide necessary documents
    The app may prompt you to upload essential documents such as proof of income, identification, and address. Depending on your profile, select customers may not be required to submit any paperwork.
  5. Review and submit your application
    Carefully review all the provided information and proceed to submit your application. A representative will then reach out to you to help you with the further process.

Features and benefits of small personal loans

  • Quick approval: Small loan apps offer instant approval, often within minutes, allowing you to access funds when you need them most.
  • Minimal documentation: Unlike traditional loans, small personal loans require minimal documentation, making the application process quick and hassle-free.
  • Flexible repayment options: These loans offer flexible repayment options, allowing you to choose a repayment tenure that suits your financial situation.
  • No collateral required: Small personal loans are unsecured, meaning you don't need to pledge any collateral to secure the loan.

Features of instant loan apps

Speed and convenience: Unlike traditional loan applications that can take days or even weeks to process, instant credit loan apps offer a much faster turnaround time. You can apply for a loan anytime, anywhere, directly from your smartphone. The application process is usually quick and straightforward, and you can often receive disbursal within minutes.

Paperless application: Gone are the days of collecting and submitting piles of paperwork. Instant credit loan apps allow you to submit your application electronically, eliminating the need for physical documents. In the case of our Insta Personal Loan, select customers can get the funds they need without even needing to submit any documents at all.

Transparency and flexibility: Reputable lenders and their loan apps provide clear and transparent loan terms. You'll know exactly how much you're borrowing, the interest rate, and the repayment schedule upfront. Additionally, some apps offer flexible repayment options, allowing you to choose a repayment plan that fits your budget. With Insta Personal Loan, you can choose a tenure ranging from 6 months to 63 months.

Eligibility criteria for an instant loan app without PAN card

You do not need to check any eligibility criteria to download instant loan apps.

If you have pre-approved offers such as the Insta Personal Loan offer, you may not have to submit any documents such as PAN card or income proof to get the loan. Read about the eligibility criteria and documents required for Insta Personal Loan.

Start your application by downloading our loan app now

Instant credit loan apps offer a convenient and reliable way to manage urgent expenses. With features such as pre-approved offers, flexible loan amounts, and convenient repayment options, these apps make it easier than ever to access the funds you need, when you need them.

Download the Bajaj Finserv app from the App Store

*Terms and conditions apply.

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.
  • Explore and apply for co-branded credit cards online.
  • 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-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost 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.

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While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*Terms and conditions apply

Frequently asked questions

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.
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 $$PL-Disbursal-GIN$$%.

*Terms and conditions apply

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.
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