Short Term Loan
Need quick support today? Start an online loan application in minutes and get a fast decision
A bill that cannot wait, a payment with a deadline - that is what a short term loan is built for. TrustPaisa runs a quick check on every request, subject to credit assessment, and stays open to customers a bank refused, because your earnings matter as much as your credit score. Before you sign, read the tenure, the interest rate and the monthly instalment, so the repayment fits what you actually earn, and the schedule stays predictable from the first instalment to the last.
Why choose TrustPaisa
Simple online registration
Registering takes a few taps on your phone - no payslips, no employer letter and no branch visit before a short term loan request reaches the review desk.
Same-day offer availability
An instant decision reaches most applicants the same day, subject to credit assessment, so a bill with a deadline does not wait on the longer checks a bank runs.
Fully licensed
Every lending partner is RBI-licensed, and the tenure, the interest rates and each processing charge on short term loans appear in full before you sign.
Only valid PAN card
A valid PAN and Aadhaar are enough to start, without the strict credit threshold a bank imposes, though approval still rests on your full financial picture.
These four points matter most when a bill will not wait: registration takes a few minutes, the answer arrives the same day if eligible, and the terms and rates on short term loans stay visible before signing. A bank needs more paperwork and more time, and its process is harder to pass, so people who want a quick answer look elsewhere. Nothing stays hidden until after the loan agreement.
990+
Days in the market
25 Lakh+
App downloads
48 Lakh+
Registered users
₹795 Cr+
Loan amount disbursed
How to apply for a Short Term Loan
Apply online
Enter the phone number linked to your Aadhaar and your email address
Fill in your personal details. We keep them strictly confidential
Verify your documents and identity
Receive approval
Provide your preferred way to receive money
Select loan amount and term from the available options
Get approved in just 5 minutes
Get your money quickly
Sign your agreement with e-signature
Receive your money in your bank account
Enjoy your funds and repay your loan on time
Customer Feedback
I had some technical issues to open the app and repayment. The staff helped me to solve problems. They were in touch with me till my problem be solved. Thank you all for your support 🙏
Trustpaisa is very useful app. I was facing issue with payment. i send out mail to grievance team. Naveen from grievance team helped me in sorting this out very quickly. i am able to repay and reloan in no timem thanks for all your support. appreciate it.
it is the best app for sure for instant loan as I've taken a loan amount of 2500 the amount got disbursed within 5min which something 2400 got disbursed inn my bank, the repayment was also not so big of 2879 i repaid it and the new offer unlocked which I got again disbursed within 5min and guess what now it's not a 7 day repayment now u will got a whole month to repay the loan amount best app for sure.
I am not sure about others. but trust paisa has been helpful for me during my time of need. and I got a limit enhancement when I repaid on time. so I do recommend for those who have been trying multiple apps with a low cibil and didnt get a loan
Who can apply for a Short Term Loan
Checking your short term loan eligibility is quick, so you know where you stand before you send the full request.
AGE
21-60 years
DOCUMENTS
Aadhaar, PAN card and valid bank account
SELFIE CHECK
Clear selfie for identity verification
INCOME
Regular monthly salary proved by bank statement
RESIDENCY
Indian nationals living in India
CONTACT
Active mobile number and valid email
DEVICE
Phone with a stable internet connection
APPLICANT TYPE
For personal applicants only
The steps are simple, but eligibility still matters - the RBI-licensed partners behind every offer, Thanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd, weigh your earnings, credit score, employment and bank statement quality, and about ₹15,000 a month is expected. A first short term personal loan runs from ₹2,500 to ₹10,000 for a tenure of up to 180 days, and personal loans of up to ₹45,000 over 3 months follow once it is repaid. Customers who clear that first loan on schedule may be offered a larger amount, subject to eligibility, so meet these three conditions:
- You are a resident of India
- You are between 21 and 60 years old
- You have a steady source of income
What is required for a Short Term Loan
The whole request is completed on your phone - registration, upload and signing all happen at trustpaisa.com, with no branch visit and nothing to print.
- Aadhaar-linked mobile number
- PAN Card for identity verification
- Recent bank statement from an India-based account
- Basic personal and employment details
These four items are all you need, so apply now to see your short term loan offer.
How to repay your Short Term Loan
Go to your loan page
Access your active loan page in your profile
Click the 'Pay now' button to begin
Choose a payment method
Select from Debit card, Netbanking or UPI
Proceed with your preferred payment option
Complete the payment
Enter the amount you want to pay
Confirm your transaction to finalize the payment
Repaying on time protects your credit score and keeps larger sums within reach, because every repayment is reported to CIBIL on a cycle of 30 to 45 days. Closing a short term loan early carries no penalty, though nothing is refunded on early closure, so only the balance shown in your account is due, and late charges follow if a payment is missed. Borrowers who repay in full may be offered a longer tenure and a bigger personal loan next time, with the interest confirmed before you sign.
Full repayment terms are outlined in our Terms & Conditions.
Short Term Loan Frequently Asked Questions
Answers to the most popular questions about tenure, the interest rate, repayment and what a lender checks are collected in this section.
Several apps offer loans of this kind, but not all are run by a licensed lender or show the rates before you sign. The TrustPaisa app on the Google Play Store lets you check your offer and your balance from one screen, and every short term loan is issued by an RBI-licensed NBFC partner, Thanvir Bros Pvt Ltd or Sonu Marketing Pvt Ltd.
The maximum rests on your financial profile, not a set limit. First-time customers are offered ₹2,500 to ₹10,000 with a tenure of up to 180 days, while those who repay on time may qualify for up to ₹45,000 over 3 months. TrustPaisa confirms the sum and the interest before your personal loan is signed, with the processing fee deducted so the credited figure is smaller than the sanction.
The benefits are speed, less paperwork and charges shown up front. A valid PAN and Aadhaar are enough to start, an instant decision may follow if the checks pass, subject to credit assessment, and every fee on a short term loan is set out before signing, while clearing it on schedule lifts what the bureaus record about you.
Any resident aged 21 to 60 with steady earnings and valid PAN and Aadhaar cards can be considered. Salaried employees and self-employed people are both eligible if the bank statement shows regular income a lender can check. A short term loan is assessed on the whole financial picture, so a weak credit score does not rule you out on its own.
You need your PAN and Aadhaar cards and a recent bank statement, and nothing more is asked. Self-employed people may also send ID and address proof with their personal details. Nothing is printed, and further checks may follow before the short term loan is approved, though DigiLocker can verify Aadhaar directly when an upload will not go through.
Most requests receive a decision quickly once your PAN, Aadhaar and bank statement are checked. Where more checks are needed the process can run 24 to 48 hours, and the sum is shown before you sign. Funds are sent within 2 hours after signing, any day of the week, though your bank may need longer to credit them.
From anywhere in the country, because the whole process runs on your phone with no branch visit. All you need is a valid PAN and Aadhaar, a bank account in your name and a stable connection. Personal loans like these are open everywhere, on the same terms wherever you live, and support answers on 022-69875175 between 8:30 AM and 5:30 PM IST, Monday to Friday.
