5 Best Apps To Get Personal Loan In India Without Any Income Verification


When we hear about loan the first thing that comes to our minds is the lengthy and time consuming documentation and income verification process. And if a student wants to take a loan then it’s a big problem because taking a loan requires so many documents like income proof, bank statement, minimum salary, etc. As a student most of the times we fail at providing all these proofs and as a result we don’t a loan which we want for our personal emergencies. 


Best Apps To Get Personal Loan In India

Now here the question arises that is it completely impossible to get a loan for students. But the answer is YES you can get a loan even if you are a student.

In this article I’m going to provide you the complete information about 5 best loan apps through which you can get a personal loan without any income verification in India. Before heading towards the apps let’s go through the requirements first.

Must Read: List Of Top Best Instant Loan Apps For students In india, Eligibility Process

Requirements To Get Personal Loan In India Without Any Income Verification

  • One must be above the age of 18.
  • One must a citizen of India.
  • He / She must be a student and should have a valid id card of the college.
  • PAN card, Aadhaar card and photo.

Now I will proceed with the 5 best apps that provides loan to students as well without any income verification process.

List Of Apps To Get Personal Loan In India Without Any Income Verification

S. No. Loan App Download App Referral Code Maximum Loan
1 MPokket Download App Not Available Rs.1 Lakh
2 ZestMoney Download App Not Available Rs.1 Lakh
3 SlicePay Download App Not Available Rs.15 Lakh
4 Krazy Bee Download App Not Available Rs.1 Lakh
5 SmartCoin Download App Not Available Rs.10,000

Best Apps To Get Personal Loan In India Without Any Income Verification

1. M Pokket

About mPokket Loan App:

M Pokket is a no. 1 application to get loans and they are approved very easily specially for students who don’t have any income proof. M Pokket is very easy to use. The UI is so simple that a person who is unaware of technology, can use it. 

  • Download the M Pokket app and sign in using our referral code.
  • Fill in a simple form with all your basic details.
  • You also need to upload your KYC documents like adhaar card and your college id card.
  • You documents will be verified within 24 hrs.
  • After the approval, you get a credit limit of Rs. 500. You can easily pay the amount in installments or the full amount at once.
  • You don’t get a credit card or even you cannot pay at any e-commerce website. You can only upload the loan amount on your Paytm wallet.

2. Zest Money

zest money review

Zest Money is another application where you can apply for loan like the others apps. The process for applying the loan and it’s approval is very simple and easy. Zest Money never asks for an income proof.

  • Download the Zest Money app from the link given below.
  • Register yourself on it providing your basic details.
  • Upload your selfie, adhaar card and a bank statement. 
  • The documents are verified first and the approval is provided quickly.
  • After the document verification, the credit is updated which you can use to pay at e-commerce websites and for any personal use.
  • You can payback the loan amount in installments or all at once.

3. Slice Pay


Slice Pay is considered as one of the top app where students can get a loan without any income documents verification process. You can get no cost EMI on some popular e-commerce websites using Slice Pay such as Amazon, Flipkart, Make My Trip, Myntra, Book My Show, and many more.

  • Register on Slice Pay.
  • You can use our referral code to join and you will get Rs 100.
  • Fill in all your basic details.
  • Upload your KYC documents like PAN card, adhaar card and your college id card.
  • It will take up to 72 hrs for your document verification.
  • After the verification process is completed, you will get a credit limit of Rs 4000.
  • You can also apply for the Slice Pay card which you can use as a credit card.
  • You can pay the bill in easy EMI installments or between 16-24 of next month.
  • You get no cost EMI option on 11 popular brands.

4. Krazy Bee


Krazy Bee is an amazing platform where students can get a loan and the process is very easy. Even you can buy products using Krazy Bee through the EMI option. Mostly you can buy electronic products from the Krazy Bee app. It also gives you an option to get a Pay Card which acts like a credit card.

  • Register yourself on the Krazy Bee website. You can use our referral code to avail 500 points after your first order.
  • Complete your profile by entering your personal details.
  • You have to verify your KYC documents.
  • Your document verification process will take 24 to 72 hours.
  • Place your order.
  • After your order is approved you can pay the down payment of it.
  • After the approval your credit limit will be updated with initial balance of Rs. 5000. You can put this amount in your Paytm wallet to make payments.
  • In case you want to increase your credit limit sign a NACH form by linking your bank account, get approval from your father or guardian and at last download the Krazy Bee app then Sync it. This way your credit limit will be increased.
  • It will take more 24-48 hrs to process your order.
  • You will notified through an SMS and email about the order confirmation.
  • Before you receive the product, you need to sign a loan agreement.
  • And you can now get your product on EMI.

5. Smart Coin

SmartCoin Loan App Review, Interest Rates, Eligibility, Unbiased Review

Smart Coin is an app where anyone can apply for a loan. Even students or any other working employee. Loan approval is very easy and the application is simple to use.

  • Download the Smart Coin app.
  • Here you only need your adhaar card and mobile number.
  • The loan gets approved instantly.
  • Then you need to upload your selfie.
  • The approval time is only 1 day.
  • The initial credit limit is Rs. 1000. But this limit can be increased later on.

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These were the top 5 apps that provide loans to students very easily and without any income proof verification. The process of application is very simple. Approvals do not take much time and in case of emergencies you get the loan easily without much hectic. Try these if you need money in an emergency.