Not having a CIBIL score should not stop you from getting financial help. If you are facing an urgent expense and don’t have any credit history, you can still apply for a ₹35,000 loan without a CIBIL score through digital lenders.
With 24hrLoan, you can apply online and check loan offers from multiple banks and NBFC lenders that focus on income, employment, and bank activity instead of credit score.
Can I Really Get a ₹35,000 Loan Without CIBIL?
Yes. Many digital lenders offer small-ticket personal loans like ₹10,000 to ₹50,000 for users without a CIBIL score. A ₹35,000 loan is commonly approved if you have:
- Regular income
- Active bank account
- Valid KYC documents
Features of ₹35,000 Loan Without CIBIL
- Loan Amount: ₹35,000
- Credit Score Requirement: Not mandatory
- Loan Type: Unsecured personal loan
- Application Mode: 100% online
- Approval Time: Same day or within 24 hours
- Disbursal: Direct bank transfer
- Repayment Tenure: 3 to 12 months
Also Read: 650 CIBIL Score Personal Loan
Benefits of Applying ₹35,000 Loan from 24hrLoan
1. No CIBIL History Required
Ideal for new earners and first-time borrowers.
2. Fast Online Process
Apply from your mobile—no branch visit needed.
3. Minimal Documentation
Only basic KYC and income proof are required.
4. Multiple Lender Options
One application connects you to many lenders.
5. Instant Bank Credit
Funds are sent directly to your bank account.
Who Can Apply for This Loan?
You can apply if you are:
- Salaried employee
- Self-employed or gig worker
- Delivery partner or freelancer
- Student with part-time income (some lenders)
Eligibility Criteria
Eligibility may vary by lender, but general conditions include:
- Age: 21 to 55 years
- Monthly Income: ₹12,000 or above
- Employment: Salaried or self-employed
- Bank Account: Active savings account
- CIBIL Score: Not required (No credit history allowed)
Choose a Lender for a ₹35,000 Loan Without a CIBIL
| Lenders | Interest Rate (p.a.) | Salary (Per Month) | |
| WeRize | 16% to 18% p.a. | Rs. 12,000 | Apply Now |
| MoneyView | 1.33% per month | Rs. 13,500 | Apply Now |
| InCred | 11.49% to 18% p.a. | Rs. 15,000 | Apply Now |
| Fibe | 24% to 30% p.a. | Rs. 18,000 | Apply Now |
| Poonawalla Fincorp | 20% to 36% p.a. | Stable source of Income | Apply Now |
| Prefr | 18% to 36% p.a. | Stable source of Income | Apply Now |
| Finnable | 16% to 22% p.a. | Rs. 15,000 | Apply Now |
| IDFC | 12.50% to 18% p.a. | Rs. 15,000 | Apply Now |
| PaySense | 1.4% to 2.3% per month | Rs. 18,000 | Apply Now |
| Upward | 9% to 32% p.a. | Rs. 18,000 | Apply Now |
| mPokket | 1% to 6% per month | Rs. 9,000 | Apply Now |
Documents Required
To apply online, you usually need:
- PAN Card
- Aadhaar Card
- Bank statement (last 12 months)
- Salary slip or income proof (if available)
Get a loan with video KYC for faster approval.
Interest Rate & Charges
Since this loan is for users without CIBIL, rates may be slightly higher:
- Interest Rate: 18% to 30% per annum
- Processing Fee: Up to 3%
- Late Payment Charges: As per lender policy
Tip: Timely repayment helps you build your first CIBIL score.
How to Apply for a ₹35,000 Loan Without CIBIL
Follow these simple steps:
- Visit the 24hrLoan website.
- Select “Instant Personal Loan”
- Enter loan amount ₹35,000
- Fill basic details (mobile, income, city)
- Upload KYC documents or complete video verification.
- Compare offers from multiple lenders.
- Accept the best offer and submit.
After approval, money is credited to your bank—often within hours.
Best Uses of a ₹35,000 Loan
You can use the loan for:
- Medical emergencies
- Mobile or laptop purchase
- Rent or utility bills
- Travel or family needs
- Short-term cash flow gaps
How This Loan Helps Build Your Credit Score
If you have no CIBIL score, this loan can help you:
- Create credit history
- Improve future loan eligibility.
- Get better interest rates later.
Just make sure to pay EMIs on time.
Also Read: Quick 30,000 Loan Without CIBIL Score
Conclusion
A ₹35,000 loan without a CIBIL score is a smart option for first-time borrowers who need quick funds without rejection stress. With easy eligibility, an online process, and fast disbursal, it helps you manage emergencies while building your financial profile.