Get Approved For Instant Cash Loans Online In Just 3 Mins!

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About Instant Cash Loans

Feel like a sudden vacation? Want to surprise a loved one with a good gift? Or have you suddenly found the perfect deal on a phone you’ve been looking forward to buying but don’t have enough money in your account? No matter what the case may be, instant cash always comes in handy.

It’s usually difficult to get an instant cash loan from banks within a short period of 24-48 hours. This is because banks often need several weeks to process the loan. In such a situation, most people are forced to go to a local money lender or pawnbroker or money lender who will loan out money at extremely high interest rates of 3-4% per month. Not to mention having to provide collateral in the form of gold jewelry which can be quite humiliating.

With NIRA, instant small cash loans get instantly approved so that you’re covered just in time. Plus, they’re incredibly flexible, which means you can use the cash for whatever you like without any restrictions! So go ahead - apply online now and get approved for instant cash loans of Rs. 5,000 to 1 lakh in 3 mins only!

Why Apply For Instant Cash Loans Through NIRA?

When you apply for Instant Personal Cash Loans with NIRA, you can benefit from the following:

Loan Customization

NIRA understands that every customer is unique and has individual requirements when under an emergency cash crunch. That is why we allow you to customize and choose a loan option that works best for you!

Fair Interest Rates

Your interest rate will be a function of your credit score on our proprietary model. Our interest rates will vary from 1.50% to 2.25% per month and are directly dependant on your credit score; the higher your score, the lower your interest rate!

Flexible Use

NIRA’s instant cash loans allow you to make repeated withdrawals to use the cash for whatever you want! Just make your EMI payments on time and avail subsequent loans as and when you need cash urgently.

No Credit History? No Problem

Don’t have a CIBIL score and are still in need of urgent cash? We’ve got you covered! NIRA welcomes people who are new to credit. However, if you do have a CIBIL score, we need a score of 681 or above in order to process your application.

3-Minute Decision Process

All you need to do is fIll out our quick online form to get approved for a fast cash loan in just 3 minutes.

24-Hour Credit

Our efficient team is always at your service. Once you upload the required documents, you can get your final approval within 24 hours and immediate fast cash within 48 hours between Rs. 5000 and 1 lakh for up to 12 months!

What Are The Features Of Instant Cash Loans In India?

Instant cash loans or small cash loans in India are generally fast cash loans that can be availed for a short period. The amount gets instantly credited to your bank account once it has been approved. Quick cash loans in India usually start from Rs. 10,000. If it’s a payday loan, you can repay it all at once in the next month when you receive your salary. In the more common case, you repay the loan through EMIs. By spreading your costs over time, you also continue to have good liquidity throughout the year.

The tenure of instant small cash loans in India is usually between 30 days to 90 days, making it a short-term loan or a payday loan. NIRA’s tenure for instant cash loans is between 3 to 12 months.

When applying for instant cash loans in India through online cash advance loan providers like NIRA, the approval process is entirely online. This means that you can apply, schedule a document pick-up and get immediate cash through electronic transfer from the comfort of your home, without having to physically go to a bank.

Say goodbye to filling up long forms and waiting for lengthy approvals! Instead, fill out a quick form online on the app or the website, and track your approval status. If you’re approved, your money gets credited within one business day!

How To Apply For An Instant Cash Loan With NIRA

In urgent need of cash? It takes only 3 simple steps to apply for an instant cash loan with NIRA!

  • Download the app on mobile loan online
  • Fill in your details and upload the required documents
  • Set up our inbuilt auto debit system and avail your personal loan

Hello Freedom!

What Are The Documents Needed For Instant Fast Cash Loans In India?

When applying for instant cash loans in India through online cash advance loan providers like NIRA, you will require the following documents:

Proof of ID
Proof of Address
PAN card
Salary slip
6 months bank statements

How Can I Be Eligible For Instant Cash Loans With NIRA?

You should have a graduate degree.
It’s important to hold a college degree to finance your mobile on EMI from NIRA. A college degree builds on your credibility and credentials for a smartphone loan application.

Your monthly income should be Rs. 20,000 or more
To be eligible to finance your mobile phone on EMI with a debit card, you need to display an ability to be able to afford the EMI repayment. For this reason, your salary plays a crucial role in your smartphone loan application.

You should be employed for at least 6 months.
While it isn’t necessary to have many years of work experience, a continuous and stable employment of minimum 6 months increases your chances of getting qualified for a smartphone loan to help you buy mobile phones on EMI.



Can I apply for instant cash loans through NIRA?

Yes, NIRA can help you get instant cash loans through a process that’s not just quick but also completely digitized!

Am I eligible to apply for instant cash loans through NIRA?

To apply for an instant cash loan with NIRA, you must be an Indian citizen and between 21-65 years of age. You will also need to have a college degree, be working for a minimum of 6 months and earn a salary of Rs 20k or above per month.

You do not need a CIBIL score to apply for a quick cash loan through NIRA. If, however, you do not have a CIBIL score and are new to borrowing loans, we highly welcome your application.

What are the documents required for applying for instant fast cash loans through NIRA?

To apply for instant cash loans with NIRA, you would need your ID proof, address proof, PAN card, salary slip and 6 months bank statements.

What is the application process to apply for a quick cash loan with NIRA?

The application process to apply for an immediate or instant cash loan through NIRA is simple. You can apply for an instant cash loan online or through our app. Simply fill in the required details on either our app or our website to get your in-principle decision in 3 minutes. Once you've qualified for the credit, you can go ahead and upload the bank statements and ID document. You'll get a final approval once your documents have been verified.

Before the instant cash you’ve applied for gets disbursed into your bank account, you’ll need to set up an auto-debit mandate. You can sign the mandate electronically if your bank enables it. If not, we will personally arrange for the pick up of the hard copy mandate from the place and time of your choice.

That’s it! Your instant cash will be credited to your account and you’re ready to start using it!

Other than interest, are there any additional fees or charges that apply?

NIRA applies the following three fees:

(i) Processing Fee: A flat amount of Rs.500 is charged for the first instant cash loan. The amount will be reduced to Rs.250 for the second instant cash loan.

(ii) Late Payment Fee: *pick table from FAQs page*

(iii) Prepayment Fee: 0% if before 90 days; 2.5% if after 90 days

There are no other hidden fees or charges.

What are the repayment terms of a quick cash loan with NIRA?

NIRA offers a flexible repayment term on instant cash loans. You have the freedom to choose a tenure between 3 to 12 months.

How can I repay my instant cash loan?

There are two modes of payment to repay your instant cash loans with NIRA. You can either pay through the auto-debit instruction (which was set up during the time of your instant cash loan application) or through the app via net banking/debit card.

What are the CIBIL score requirements for a NIRA smartphone loan?

NIRA requires a CIBIL score of above 661 to approve candidates for a fast cash loan. However, if you do not have a CIBIL score and this is the first time that you are applying for a formal loan, that’s completely fine too - you are very welcome to apply!

Can I apply for an instant cash loan through NIRA without a CIBIL score?

If you haven’t borrowed before, are new to credit and do not have a credit history then yes, you can apply for an instant cash loan through NIRA without a CIBIL score. However, if you do have a CIBIL score, it needs to be above 661.

What are the advantages of applying for a fast cash loan through NIRA?

NIRA provides access to quick, flexible and paperless online instant cash loans. We offer these loans to you at the most competitive rates depending on your profile and how much money you need.

Why deal with long queues, application forms and lengthy waiting periods when you can just  apply for instant cash loans online through NIRA and get pre-approved in 3 minutes? Plus, NIRA also allows you the flexibility to choose your repayment terms!

Which all locations do you serve?

We currently accept loan applications from salaried graduates in Bangalore. In the next few weeks, we’ll be expanding to other Tier-I and Tier-II cities across India. The next cities that we will expand to are Chennai, Delhi, Gurgaon, Hyderabad, Indore, Kolkata, Mumbai, Noida, and Pune. This will be followed by expansion in Tier-II cities.

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