Getting a ₹30,000 personal loan should not stop you in your tracks just because you have no CIBIL score. India has millions of first-time borrowers who are responsible and capable, yet invisible on traditional credit systems. That is the gap 24hrLoan fills by connecting you to multiple banks and lending partners who use smarter checks that look beyond a missing credit history.
This guide explains how it works, why lenders offer this option, and how you can boost your approval chances.
Why People Choose a 30,000 No CIBIL Loan
This amount is practical. It covers short-term needs without placing pressure on your monthly budget. Borrowers usually seek it for:
- Emergency medical costs
- Sudden travel needs
- Rent or deposits
- Small repairs
- Education fees
- Personal cash flow gaps
₹30,000 loan also works as your entry ticket into the world of credit. If you repay on time, your new credit record starts building immediately.
Benefits of Taking This Loan Through 24hrLoan
- Access to multiple banks in a single place
- Higher approval chances even with no credit history
- Simple and fast digital process
- Transparent display of lender charges
- Flexible repayment plans
- Opportunity to start building your credit score
Eligibility Requirements
Each bank sets its own rules, but most follow a simple baseline:
- Age: Complete age should be between 21 to 55 years.
- Residence: Indian Residence only applicable.
- Income Source: Salaried person earning at least ₹12,000 per month.
- Bank Account: 1-year salary deposit statement required.
Compare Lender for ₹30,000 Loan Without 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 for a ₹30,000 Loan Without CIBIL
Make sure you have all the documents below:
- PAN Card
- Aadhaar Card or other valid ID proof
- Address proof (utility bill, Aadhaar, rental agreement, etc.)
- Latest 12-month bank statements
- Income proof (Latest 3 months’ salary slips)
Interest Rates and Charges
Loans without a CIBIL score carry slightly higher interest because the lender takes more risk. Typical costs include:
- Monthly interest around 1.75% to 4%
- Processing fee up to 5% as per the lender
- Late payment charges if you miss deadlines
The more accurate your documents are, the smoother your approval and the better your offer.
How This Loan Helps Build Your Credit Score
Once you take the loan and repay EMIs on time, the lender reports your performance to credit bureaus. In a few months, your CIBIL score starts forming. A healthy score later gives you access to:
- Higher loan amounts
- Lower interest
- Credit cards
- Home and car loans
Your first small loan can shape your entire financial future.
How to Apply for a 30,000 Loan Without CIBIL Score
The process is fully online and can be completed in a few minutes. Here is a clean, practical guide.
1. Visit 24hrLoan and start your application
Provide basic details so the system can match you with suitable banks and lending partners.
2. Upload KYC documents
Aadhaar, PAN, and a selfie are usually enough. Make sure the information is clear and correct.
3. Share income proof
Salaried users can upload salary slips or bank statements for loan approval. Borrower minimum salary 12,000 required for loan approval.
4. Pick your loan amount and tenure
Select 30,000 and a repayment period that fits your monthly budget. A shorter tenure reduces total interest.
5. Review offers from different lenders
24hrLoan shows options from multiple banks. Compare interest rates, processing fees, and repayment plans.
6. Submit your application to the lender you prefer
Once you choose an offer, the lender completes verification. This usually takes minutes.
Receive the money in your bank account
Most lending partners disburse the loan within a few hours, with many them completing it within a day.
Also Read: 15000 Loan Without CIBIL Score
Conclusion
₹30,000 loan without a CIBIL score is realistic, fast, and safe when you apply through a trusted platform. 24hrLoan brings multiple banks and lending partners under one roof, so you get better approval odds and quicker access to funds.