Personal Loan
Please enter your full name
Please enter your full name
Please choose your city of residence from the list
Please type your city name and select it from the list
Your mobile number helps us fetch your personal loan offer. Don’t worry, we will keep this information confidential.
Mobile number cannot be blank

I authorize Bajaj Finserv representatives to call/SMS towards this application and other products/services. This consent overrides my registration for DNC/NDNC. T&C apply

Please accept Terms and Conditions

OTP has been sent to your mobile number


Incorrect OTP, please try again

Click on 'Resend' if you want to get a new OTP

47 Seconds
Resend OTP Entered the wrong phone number? Click here

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 your house.

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

While a 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 a customer’s habits when it comes to credit repayment. Combined with other factors, it establishes a 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 paying 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 out on making any payments or paying 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 Your 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.