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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 loan without credit 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.

Is it possible to get a small loan in India without a CIBIL check?

While most lenders require the applicant's credit information and CIBIL score to assess their creditworthiness, getting a small instant loan without CIBIL check in India is still possible.

Most banks and lending institutions allow you to apply for an instant loan without a CIBIL score in the following ways-

1. Apply with a guarantor, in which case the guarantor's credit history will be considered before loan approval.

2. Apply for a small loan amount to ensure easy repayment per your financial capacity.

3. You can also consider pledging collateral that mitigates the lender's risk without the credit score.

4. Furnish income proof documents to assure the lender of your repayment capacity. If you have a low or no CIBIL score, you can easily apply for an instant loan with these ways and receive the funds quickly without undergoing a hard inquiry or CIBIL check on your credit report.


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.


1. Can I get a loan without CIBIL?

It is possible to get a loan without a CIBIL score. Various lenders allow you to apply for a loan without CIBIL by applying with a guarantor, requesting a small loan amount, or pledging collateral. Additionally, they will assess other eligibility factors, such as income and employment stability, instead of solely relying on the CIBIL score.

2. Can I get a loan if I don't have a credit score?

Yes, you can get a loan even if you don't have a credit score. Seek lenders that will consider alternative credit assessment methods such as income and employment history or allow you to apply for a small loan amount without a credit score.

3. How do I get a loan if I don't have a credit score?

If you don't have a credit score, you can consider applying for a small loan amount to make repayment easy. Alternatively, you can pledge collateral as a security towards the loan, apply with a guarantor, or present additional income documents such as salary slips, bank statements, or employment documents to prove your financial capacity.

4. Can we get a loan without a credit score?

You can get a loan without a credit score. Many lenders provide alternatives like secured loans against assets, allow loan applications with a guarantor, or consider other financial credentials such as bank statements and income proof to approve loans​.

5. Is it possible to get a Rs. 50,000 loan without a CIBIL score? Yes, getting a ₹50,000 loan without a CIBIL score is possible. Financial institutions offer small personal loans based on various eligibility factors such as your income, employment stability, and other personal details, bypassing the need for a CIBIL score check​.

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