Personal Loan
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How to Apply for an Instant Loan Without Documents?

Personal loans are unsecured credit options that you can avail during emergencies. The credit option is also suitable when you need finances for other purposes such as education of your child and renovation of the house.

These loan terms are largely dependent on your creditworthiness and your CIBIL score. The credit history is even more so vital if you seek an instant loan without documents.

While personal loan requires lesser documents as compared to secured loans, the documentation process is already quite hassle-free. Bajaj Finserv provides this loan against minimal documents, which include identity proof and address proof.

Financial institutions focus more on customer’s habits when it comes to credit repayment. Combined with other factors, it establishes customer’s credibility and lenders can thus approve it only with minimum documents required for a personal loan.

Bajaj Finserv also provides pre-approved personal loans that makes the process of availing finance quick and easy.

Ways to Avail a Personal Loan without Documents

  • Repay your existing loans and dues on time

    It is important you do not have missed EMI payments and loan defaults. For example, if you use a credit card, your credit history must show that you paid the credit card dues as required, especially the total outstanding. Such financial behaviour is vital to uphold a strong credit history and helps you avail this short term loan conveniently.

  • Don’t miss out on any dues

    If you miss any payments that you were required to make, it conveys the message that you are incapable of managing finances properly. In such cases, availing a document-less personal loan may not be possible. Make sure that you do not miss on any payments or dues.

  • Maintain a good relationship with the lender


    A good relationship with your lender also goes a long way in helping you avail a personal loan without documents. It may even fetch you the credit at lowered personal loan interest rates along with improved terms and conditions.


  • Maintain a high credit score

    Your credit score is a numeric representation of your creditworthiness. A credit score of 750 and above is mandatory to avail an unsecured personal loan from Bajaj Finserv. A high score also helps build faith as a reliable borrower.

Read More: How to check credit score
  • Keep your debt-to-income ratio in check

    A low debt-to-income ratio means you have a high repayment capacity. It is thus ideal to keep this ratio below 50% to avail a no-documentation personal loan.

    Now that you know how to get an instant personal loan without required documents, proceed to apply for the same. Follow the personal loan application process of Bajaj Finserv to apply for the credit.