Urgent Cash Loan in Kerala

An urgent cash loan is a type of short-term borrowing designed to help individuals access funds quickly.
Insta Personal Loan
3 min

When faced with unexpected financial needs, an urgent cash loan can be a lifesaver. Urgent cash loans are offered by various financial institutions, including banks, credit unions, and online lenders.

What is an urgent cash loan?

An urgent cash loan is a type of short-term borrowing designed to help individuals access funds quickly. These loans are typically used to cover unexpected expenses or financial emergencies when other sources of funding are not available. Urgent cash loans are often provided by banks, credit unions, or online lenders and can be obtained within a few hours to a few days, depending on the lender and the borrower's financial situation. The Bajaj Finance Insta Personal Loan is a great alternative when you need funds urgently. The quick application and disbursal processes make it an ideal choice for emergencies.

Benefits of an urgent cash loan in Kerala

  • Quick processing:
    A short and simple application process.
  • Instant disbursal: 
    Due to the pre-approved nature of the loan, funds can be disbursed in as little as 30 minutes* to 4 hours.
  • Flexible repayment terms: 
    You can pick a convenient repayment tenure ranging up to 63 months.
  • Minimal documentation: 
    You can get the funds you need with minimal to no documentation*.

Documents needed for an urgent cash loan in Kerala

Since Insta Personal Loan has pre-approved offers, the documentation requirement varies as per your profile and relationship with us. Typically, it is a good idea to keep the following documents handy:

  • KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
  • PAN card
  • Employee ID card
  • Salary slips of the last 3 months
  • Bank account statements for the previous 3 months
  • Utility bills for electricity and piped gas

Eligibility criteria for an urgent cash loan in Kerala

Since Insta Personal Loan provides pre-approved offers, the eligibility depends on whether you are a new customer or have an existing relationship with Bajaj Finance Limited.

For existing customers, no further eligibility criteria are necessary, as you already have a pre-approved offer. However, some existing customers might be required to submit additional documents, such as proof of income, KYC documents, and bank statements, to secure an instant loan.

New customers who have received an Insta Personal Loan offer may be subject to a CIBIL check and may need to provide additional documentation. The application process and required documentation may vary slightly for new customers.

How to apply for an urgent cash loan in Kerala

Here is how you can apply for our Insta Personal Loan in Kerala:

  • To begin, select 'CHECK OFFER' located at the top of this page to access our online form.
  • Enter your 10-digit mobile number and verify your profile using the OTP sent to your phone.
  • Upon verification, you will be presented with a pre-assigned loan limit offer. You can either accept this offer or choose a lower amount if desired.
  • Next, select a repayment tenure that best fits your needs.
  • Finally, click on 'PROCEED' to finalise the online process.

Please note that the online process may vary depending on whether you are a new customer or have an existing relationship with us.

Things to consider before applying for an urgent cash loan

  • First, assess your financial situation to ensure you can repay the loan on time.
  • Next, compare interest rates and fees from different lenders to find the most affordable option.
  • Additionally, check the loan terms for any hidden charges or penalties.
  • Consider alternatives to a loan, such as borrowing from family or friends, to avoid high interest rates.
  • Finally, only borrow what you need and avoid taking on more debt than necessary.

In conclusion, an urgent cash loan can be a helpful financial tool in times of need, providing quick access to funds for emergencies. However, it is important to use these loans responsibly and only borrow what you can afford to repay.


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*Terms and conditions apply

Frequently asked questions

Is it possible to get an urgent cash loan in Kerala without a bank account?

You need to have an operational bank account for the funds to get disbursed to you.

Can non-residents of Kerala apply for urgent cash loans in the state?

You can apply for our Insta Personal Loan online, from anywhere in the country.

How Long Does It Take to Get Approval for an Urgent Cash Loan in Kerala?

Our Insta Personal Loan provides pre-approved offer depending on your profile, so you do not have to wait for approvals.