Are you a student in India looking for a small personal loan but don’t have a salary slip?
Don’t worry! In 2025, many instant loan apps are providing quick loans to students with minimal documentation—no salary proof or income statement required.
In this guide, Naukri Nuskha brings you the top instant loan apps for students in India that offer easy and fast personal loans without any complicated paperwork.
⚡ Why Students Need Instant Loans?
- Paying college fees
- Buying study materials or laptops
- Managing hostel expenses
- Emergency medical needs
For these reasons, instant loan apps are becoming popular among Indian students.
✅ Key Features of Student Loan Apps Without Salary Proof:
- 100% Online Process
- No Salary Slip or ITR Needed
- Instant Approval & Disbursal (within minutes to hours)
- Small ticket loans from ₹1,000 to ₹50,000
- Minimal documentation (PAN, Aadhaar, bank account)
🏆 Top 5 Instant Loan Apps for Students in India (2025)
1. KreditBee
- Loan Amount: ₹1,000 – ₹2,00,000
- Interest Rate: 0% – 29.95% p.a.
- Eligibility: Students above 18 years with PAN & Aadhaar
- App Rating: ⭐ 4.5/5 (Play Store)
2. Pocketly
- Loan Amount: ₹500 – ₹10,000 (perfect for students)
- Interest Rate: 1%–3% per month
- Features: Quick disbursal in 10 mins
- App Rating: ⭐ 4.4/5
3. mPokket
- Loan Amount: ₹500 – ₹30,000
- Eligibility: College ID required
- Disbursal Time: 5-10 mins after approval
- App Rating: ⭐ 4.3/5
4. Slice
- Type: Prepaid credit card with loan features
- Loan Limit: ₹2,000 – ₹10,00,000
- Specialty: No salary proof, student-friendly
- App Rating: ⭐ 4.6/5
5. CASHe
- Loan Amount: ₹1,000 – ₹4,00,000
- Documents: Aadhaar, PAN, and social profile check
- Approval Time: Instant
- App Rating: ⭐ 4.2/5
📝 Eligibility Criteria for Student Loans (General):
- Indian citizen
- Age: 18 years and above
- Valid PAN & Aadhaar
- Active bank account
- Sometimes college ID or student proof
⚠️ Things to Keep in Mind:
- Check interest rates & processing fees before applying
- Always repay on time to avoid penalties
- Use loan apps from trusted and RBI-registered NBFCs
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Conclusion
Instant loan apps for students are making it easy to borrow small amounts without salary proof or complex documentation.
If you’re a student in need of a short-term loan, these apps can help—but use them wisely and borrow only what you can repay.
📢 Disclaimer:
Loan apps charge interest. Borrow responsibly. Naukri Nuskha shares this information for educational purposes only.