Life doesn’t wait. Whether it’s a medical emergency, last-minute travel, or a sudden expense, there are times when you need money now. In a city as fast-paced as Kolkata, access to urgent cash loans can make all the difference. Here’s what you need to know.
What Is an Urgent Cash Loan?
An urgent cash loan is a short-term financial solution designed to help you bridge immediate cash gaps. These loans are typically processed quickly, sometimes within a few hours, and are ideal when you don’t have time for lengthy bank procedures or paperwork.
Why People in Kolkata Opt for Urgent Loans
Kolkata, with its blend of tradition and modern hustle, has a growing need for fast, flexible financing. People turn to urgent cash loans for:
- Medical emergencies
- Rent or utility payments
- Unexpected travel
- Tuition fees
- Small business needs
- Home renovation
- Buy new car
When savings aren’t enough and friends or family can’t help, an urgent cash loan becomes a lifeline.
Features of Urgent Cash Loans in Kolkata
Quick Disbursal: 24hrLoan offering instant loan disburse. Our partner lenders release funds in under 24 hours.
Minimal Documentation: PAN card, Aadhaar, proof of income, and a bank account are often enough for loan eligibility process.
No Collateral Required: We don’t take any security or collateral for urgent cash loan. Most personal cash loans are unsecured.
Flexible Amounts: Ranges usually start from ₹5,000 to ₹10,00,000 depending on eligibility.
Repayment Tenures: Usually lenders offers 12 months to 36 months repayment term. If your loan amount is high, you can opt for 48 months.
Also Read: How to Get an Instant 2000 Loan for Emergency?
Eligibility Criteria for Instant Cash Loan in Kolkata
While exact requirements vary by lender, most include:
- Age between 21 and 55
- Salary: Minimum Rs. 12,000/- per month
- Credit Score: -1 or 700+ is good for loan approval. Valid Indian ID proof.
- Job Experience: 12 months job experience must require
- Job Profile: Borrower job must be Pvt Ltd, Public Ltd, or government sector.
Having a good credit score can help—but many lenders consider alternative data if your CIBIL score is low or nonexistent.
Documents Required
Here’s what you usually need to apply:
- PAN card
- Aadhaar card or Passport as address proof
- Latest 3 months’ salary slips
- Bank statements (12 months)
- Employee ID card (sometimes)
Top Lender Offer Urgent Cash Loan in Kolkata
| 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 |
| Prefr | 18% to 36% p.a. | Rs. 18,000 | 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 |
| Axis Bank | 10.49% to 22% p.a. | Rs. 15,000 | Apply Now |
| HDFC Bank | 10.75% to 21% p.a. | Rs. 25,000 | Apply Now |
Also Read: ZapMoney Instant Loan
How to Apply for an Urgent Cash Loan in Kolkata
Step-by-step guide:
- Choose a lender: Compare interest rates, processing fees, and user reviews.
- Check eligibility: Use their online application link to see if you qualify.
- Fill out the application: Provide your basic information, depending on the provider.
- Upload documents: Scan or snap photos of the required docs and directly upload.
- Wait for verification: This can take a few minutes to a few hours.
- Receive disbursal: If approved, money is sent directly to your bank account.
FAQs
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Am I eligible for urgent cash loan without income?
Most lender offer instant cash loan through your income. Your monthly salary Rs. 12,000 need to eligible for emergency cash loan. But, if you don’t have income proof, you can try MoneyView or Aditya Birla instant loan.
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What is the age requirement for emergency cash loan?
Borrower age must be under 21 to 55 years required for urgent cash loan in Kolkata.
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Can I get urgent cash loan in Kolkata at Rs. 12,000 salary?
Yes, borrow cash loan up to Rs. 5 lakh at 12,000/- per month salary. But, salary must deposit to bank account.
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How much credit score is enough for urgent cash loan?
To borrow emergency loan, your credit score -1 or 700+ must be required.