Credit history shouldn’t decide whether you can handle an emergency. At 24hrLoan, we make it possible to get a ₹20,000 loan without CIBIL score checks. No long wait, no endless paperwork, no rejection just because you’re “new to credit.”
Benefits of a ₹20,000 Loan Without CIBIL
- Score-Free Approval: Your income today matters more than your credit past.
- Money in 24 Hours: Apply today, use tomorrow.
- No Hidden Surprises: Clear terms, transparent charges.
- Use It Your Way: From medical bills to last-minute travel, it’s your call.
- Simple Verification: Just ID proof, address proof, and income proof.
- Digital Process: Get a 20,000 loan with a 100% online process.
Why This Loan Works for You
Most banks look at your CIBIL report first and ask questions later. If you don’t have a score, they often say no. But life doesn’t pause for you to build a credit history. Our loan is built for:
- First-time applicants for credit.
- Individuals with no credit footprint.
- People who require quick authorization without the need to consult old records.
Also Read: 3 Lakh Loan with a 650 Credit Score
Eligibility for a ₹20,000 Loan Without CIBIL
Your minimum requirement should follow:
- Age: The Complete age should be between 21 to 55 years.
- Residence: Indian Residence only applicable.
- Income Source: Salaried workers earning at least ₹12,000 per month.
- Bank Account: 1-year salary deposit statement required.
Documents Required
To ensure a smooth process, you will only need a few essential documents:
- Identity Proof (Aadhaar, PAN, Passport, Voter ID)
- Address Proof (Utility bill, Aadhaar, Rent agreement)
- Income Proof (Latest salary slip and 1-year bank statement)
- Bank account details for disbursal
- Recent Passport-sized photograph
Top Lenders Offering ₹20,000 Loan Without CIBIL Score
| 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 |
Why Choose 24hrLoan Instead of a Bank?
Here’s how we make life easier compared to traditional lenders:
| Aspect | Banks | 24hrLoan |
| CIBIL Score Requirement | Mandatory | Not required |
| Approval Time | 3–7 working days | Within minutes |
| Disbursal Time | Up to 10 days | Within 24 hours |
| Paperwork | Heavy documentation | Minimal documents only |
| Accessibility | Limited to creditworthy | Open to new borrowers |
How to Apply for a ₹ 20,000 Loan
We’ve made the process simple so that anyone can apply without hassle:
- Visit the 24hrLoan Website
Click on “Apply Now” and fill in the loan request form with basic details. - Upload Documents
Submit ID proof (Aadhar, PAN), address proof, and proof of income (salary slip and bank statement). - Get Approval in Minutes
Our team verifies your details quickly—no credit history check involved. - Receive Money
Once approved, the amount is credited to your bank within 24 hours.
Also Read: 5000 Loan Without CIBIL Score
Conclusion
Getting a ₹20,000 loan without a CIBIL score is no longer impossible. With 24hrLoan, you don’t need to worry about records or waiting weeks for approval. If you need urgent money and can repay on time, we’ll make sure you get the help you need—fast, simple, and stress-free.