Instant Loan

An instant loan is a fast personal loan designed for situations where you need money quickly—for example, delayed salary, emergency bills, or time-sensitive payments. With TrustPaisa, you can apply online through a fully digital process and, once approved, receive up to around ₹45,000 directly in your bank account, often within minutes or the same day. 

To get an instant loan online with TrustPaisa, register using your Aadhaar-linked mobile number, complete your profile with personal and employment details, upload the required documents, select your desired amount and tenure, and e-sign the agreement. After quick verification, the approved loan amount is sent directly to your bank account without any branch visits.

You may be eligible for an instant loan if you are an Indian resident aged from 18 to 55, currently employed with a regular income, and have an active bank account in your name. Your application, documents, and risk profile are reviewed by our lending partners before they approve any instant loan offer.

Instant loans still require proof that you can repay on time. If you don’t have a salary payslip, the lender may accept other forms of income proof, such as recent bank statements showing consistent credits. If you cannot demonstrate any stable income, your application is very likely to be declined.

Instant loans are not meant for completely unemployed applicants with no income. Since repayments are fixed, lenders must see that you have a steady, verifiable source of funds. If you have alternative income (for example, self-employment or freelance earnings reflected in your bank account), you can apply, but approval is not guaranteed.

If you have no CIBIL score, you can still apply for an instant loan. The lending partners behind TrustPaisa review other information like your income, employment and banking history to assess risk. However, not having a score may affect the amount or terms you’re offered, and approval is always at the lender’s discretion.

With a poor credit history, your chances of getting an instant loan are lower, but not zero. Lenders may still consider your application if your current income and repayment capacity are strong. Negative records like recent defaults or heavy overdue amounts can lead to rejection or smaller approved limits.

There is no officially published minimum credit score for an instant loan from TrustPaisa. Each lender sets its own internal thresholds and also looks at your income, age, and existing obligations. A stronger credit score improves your chances, but no score level guarantees instant approval.