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Tata Capital > Blog > Personal Use Loan > 5 Easy Ways to Get an Instant Loan Without CIBIL Score

Personal Use Loan

5 Easy Ways to Get an Instant Loan Without CIBIL Score

5 Easy Ways to Get an Instant Loan Without CIBIL Score

Amit urgently needs funds and decides to take an instant loan, but he realises that his low CIBIL score could pose a problem. Fortunately, there is a solution! A no-credit-check loan allows borrowers with low or no CIBIL score to receive instant funds without undergoing a hard credit inquiry of their credit report.

Here's how you can apply for an instant loan without a CIBIL score.

How to Get an Instant Loan Without CIBIL Score?

Even with no CIBIL Score, there are options to get an instant loan. Here are five ways to do it:

  1. Apply with a guarantor.
  2. Request a smaller loan amount.
  3. Provide income proof.
  4. Offer collateral.
  5. Explain credit inactivity.

1. Apply with a guarantor

  • Importance of a Guarantor: Explain how a guarantor with a good credit history can strengthen the loan application.
  • Responsibilities of a Guarantor: Detail the obligations and role of a guarantor in a loan agreement.

2. Apply for a small loan amount

  • Building Trust with Smaller Loans: Discuss the strategy of starting with a smaller loan amount to establish a positive repayment record.
  • Gradual Increase in Loan Amounts: Highlight how prompt repayment can lead to access to larger loan sums over time.

3. Apply with income proof

  • Demonstrating Financial Stability: Explain the significance of income proof in proving repayment capability.
  • Accepted Forms of Income Proof: Detail various documents that can substantiate a stable income to lenders.

4. Apply for a collateral-based loan

  • Reducing Lender Risk: Explain how offering collateral can mitigate the lender's risk in the absence of a credit score.
  • Types of Collateral Accepted: Discuss various assets that can be pledged as collateral for securing loans.

5. Get an NH or HN on your credit report

  • Transparent Communication: Stress the importance of explaining reasons for credit inactivity to lenders.
  • Establishing Trust: Elaborate on how openness about financial history can build trust with lenders.


Although a no-credit-check loan can be sanctioned without a CIBIL score, you'll be charged a high rate of interest. Therefore, if you need urgent access to funds, like Amit, turn to Tata Capital. We offer personal loan at affordable interest rates with minimal documentation.

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