How to Get Instant Personal Loan with Cashback – No Branch Visit Needed

Say bye to those days when long queues, paperwork, and a bank visit for a personal loan. In 2025, getting instant personal loans will become easy here. With EaseMyDeal, you can apply to 40+ NBFCs, get loans up to 35 lakh with 9% interest per annum and get 1% cashback on an approved loan amount without stepping outside your home.

In this guide, you will learn the process of how to apply and getting instant loans. Enjoy cashback benefits on top of it, without struggling to visit a single bank branch for a loan.

Where to apply for an instant Personal loan?

 

How to apply for an instant loan?

• Download EaseMyDeal App or Visit Website
• Log in or sign up using your email or mobile number 
• Complete the KYC
• Go to the home screen & tap on Loan
• Then fill out the details related to salary
• After that, select the landing partner, whether you want the loan the same day or after 3 days. 
• Select the most suitable NBFC offer.
• Then submit the application.
• You’ll get an OTP for Aadhaar-based e-signature.
• After approval of the loan, the amount will be credited to your account 

What are the benefits of getting an instant loan?

• You can get your loan approved within a few hours, and it will be credited directly to your account instantly, so you won't have to suffer for days.
• The process is an online process where you don’t need to visit banks, you can apply through your laptop or mobile.
• Need to give only a minimum of documents, such as an Aadhar card, a PAN card, and income proof, no heavy paperwork or documents required 
• It provides you with a flexible loan option.
• You can choose the duration of repayment between 3 months to 5 years. Or choose an EMI that will be suitable for your monthly budget.
• You will get 1% cashback after loan disbursal
• In this, you don’t need to pledge property, assets or gold

 

What documents are required for the Instant loan app?

• Aadhaar Card / Driving License / Passport
• Bank Statement of the last 6 months
• PAN Card

What are the best apps for applying instant loan application?
 

1. EaseMyDeal app

   1. EaseMyDeal offers a 9 %interest with 1% cashback 
   2. You can apply loan from NBFC 40+, get loans up to 35 lakh
   3. With a few simple steps, you can take a loan through EaseMyDeal

 

2. Money Tap personal loan app

   1. It offers users an interest rate up to 13%
   2. The tenure is 2 to 36 months
   3. The loan amount you can get up to is 3000 to 5 lakhs

 

3. CASHe personal loan app

1. They offer you an interest rate of up to 33.5% to 36%
2. You can get up to Rs 3 lakhs of interest 
3. They have flexible loan tenures from 2 months to 18 months

 

4. KreditBee personal loan app

   1. They give you an interest of 12% to 28.5% per annum
   2. You can take a loan of up to 10,000 to 10 lakhs.
   3. Offering flexible options for paying, such as EMI of 6 to 60 months

 

5. Smart coin personal loan app

   1. They offer an interest rate starting from 18%
   2. The loan amount is from Rs 1000 to Rs 5 lakhs
   3. Tenure is up to 2 to 24 months of period which allows you to get a low interest rate at flexible tenures

 

6.  Dhani personal loan app

1. In 90 days, you have to pay back the amount you have availed
2. Their interest rate per year is 13.99% per annum
3. Suitable for a short period of loan

 

7. Early salary (now Fibe) personal loan app

1. You can get instant cash loans
2. Without any collateral, you can take up to a loan of Rs 5 lakhs
3. You get 18% per year interest

 

Conclusion

It’s 2025, and you are still struggling to get a personal loan. Don’t worry, it has become more convenient than ever. With the help of EaseMyDeal and another loan app, you don’t need to wait any longer in the queue, paperwork, or even going out of your home.

With your smartphone, complete your KYC and apply for a personal loan online easily.

FAQ’s - Instant Personal Loan

What are the best apps for instant personal loans?

Apps like EaseMyDeal, early salary, and Moneytap offer a good interest rate and tenure that suits your pocket.

 

What cashback does EaseMyDeal offer on instant loans through them?

They offer 1% Cashback on the approved loans after disbursal.

 

What maximum amount of loan can I get?

It varies bank to ban, some give a maximum of up to 5 lakh, and some up to 35 lakhs. 

 

To get an instant loan, do I need collateral?

No, these are unsecured loans, so no collateral or security like gold or property is needed.

 

What if I have a low credit score? Can I still apply?

EaseMyDeal checks the best NBFC and Loan offers based on your cibil and eligibility criteria and then suggests best for you. Some apps may not provide loan for low cibil score users.

 

How much time will it take for the loan amount to be credited to my account?

It will be credited within a few minutes to a few hours, depending on the lender.

 

What if I want Rs 5000 to 10,000? Can I get a loan?

Yes you can get small amount of loan as well, for more information click here.

 

Is my data safe if I apply to these apps?

Yes, your data is all safe you Most registered apps follow RBI guidelines and data protection laws, but read their privacy policy before applying loan.

 

Are there any hidden charges for applying?

It depends on the bank-to-bank what their documentation charges will be.

 

How do I repay the loan?

The loan will be repaid in the EMI, as per your tenure.