Need 2 Lakh Loan without Income Proof?

It is not impossible to get 2 lakh personal loans without income proof. You can get the loan without visiting the branch. Don’t require much afford. Just follow the simple steps to get the 2 lakh loan.

Within 24 hours, the money will credit to your account. Let’s start the process.

The 2 Lakh Loan without Income Proof

Lenders	Loan Amount	Interest Rate
Home Credit	Rs. 10,000 – 5 lakh	2% per month
Kreditbee	Rs. 1,000 – 4 lakh	0% to 29.88% p.a.
Navi	Rs. 15,000 – 20 lakh	9.9% to 45% p.a.
StashFin	Rs. 50,000 – 5 lakh	11.99% and 59.99% p.a.
LazyPay Xpress	Rs. 10,000 to  5 lakh	18%  to 25% per annum
Prefr	Rs. 10,000 – 3 lakh	18%- 36% p.a.

1. Home Credit

You can get up to 5 lakhs instant loans through Home Credit. The loan amount starts from Rs. 10,000. Maintain the average bank balance on the statement to get a higher loan. Home Credit provides a 24% to 36% interest rate per annum.

This is an online loan application. The loan amount will credit within 24 hours.

Loan Amount	Rs. 10,000 to 5 Lakh
Interest Rate	2% per month
Tenure	9 to 51 month
Age Required	19 – 68 year
Income Required	Rs. 10,000 per month
Processing Fees	Up to 5% of the loan amount
Eligible For	Self-Employed / Salaried Person / Student

2. Kreditbee

Kreditbee provides Rs. 1,000 to 4 lakh instant loans. The money will credit within 30 minutes. Kreditbee taking 0% to 29.88% per annum interest rate. You can apply for a Kreditbee loan without income proof.

If you have a good credit history, you can get a higher loan amount. The loan tenure is 3 to 15 months.

Loan Amount	Rs. 1,000 to 4 Lakh
Interest Rate	0% to 29.88% p.a.
Tenure	3 to 15 month
Age Required	19 yr – 68 yr.
Income Required	Rs. 10,000 per month
Processing Fees	Up to 5%
Eligible For	Self-Employed / Salaried Person

3. Navi

Navi is offering up to 20 lakh instant personal loans. Navi is operated by Navi Finserv. This lender provides a fast loan process. You will get the money within 24 hours. Navi is a 100% digital loan.

You will need a good CIBIL (720+) score to apply for a loan. Also, you should maintain the minimum balance on the bank statement.

Loan Amount	Rs. 15,000 to 20 Lakh
Interest Rate	9.9% to 45% p.a.
Tenure	3 to 72 month
Age Required	21 yr -65 yr.
Income Required	Rs. 15,000 per month
Processing Fees	Up to 3% of the loan amount
Who Can Apply	Self-Employed / Salaried Person

Also Read: Can I get Business Loan up to 25 lakh

4. StashFin

You can get up to 5 lakh credit line loans through StashFin. This is the credit line limit. But you can transfer the credit amount to your bank account. The loan repayment tenure is 3 to 36 months.

The processing charge is 3% & interest rate is 11.99% and 59.99% per annum.

Credit Limit	Up To 5 Lakh
Joining Fee	Nil
Annual Fee	Nil
Age Required	18 – 60 year
Income Required	NIL
Charge per withdrawal	Rs.20
Eligible For	Self-Employed / Salaried Person / Student

5. LazyPay Xpress

LazyPay Xpress provides up to 5 lakh instant loans within 30 minutes. The interest rate starts from 18% to 24% per annum. The application process is online.

You don’t need to provide income proof. Previous credit history & bank statement is the important part to get the LazyPay Xpress loan.

Loan Amount	Up To 5 Lakh
Interest Rate	18% to 24% p.a.
Tenure	3 to 24 month
Age Required	19 yr – 62 yr.
Income Required	NIL
Processing Fees	Up to 5%
Eligible For	Self-Employed / Salaried Person / Student

6. Prefr

Applicants can get Rs. 10,000 to 3 lakh digital personal loans. You don’t need to provide income proof. The loan tenure is 6 to 36 months. Prefr loan interest rate starts from 18%- 36% p.a.

The minimum age requires 18 to 60 years. You can apply for a loan without a CIBIL score. The money will credit within 2 hours.

Loan Amount	Rs. 10,000 – 3 lakh
Loan Tenure	6 – 36 months
Interest rate	18%- 36% p.a.
Income Required	No
Processing fee	Up to 5% of the loan amount
Age	18 – 60 years
Cibil Score	No
Eligible For	Salaried Person / Self Employed

Also Read: Top 5 Personal Loan Apps in India

Benefits of 2 Lakh Loan without Income Proof

Instant Loan: You will get the loan instantly. The money will credit within 30 minutes.

Without Income Proof: These lenders provide instant loans without income proof. Just KYC documents will require.

No Verification: You can get the 2 lakh loan without physical verification. This is a digital loan process.

Paperless Process: Don’t need any physical documents. This is a paperless loan process.

Flexible EMI: Flexible repayment tenure offer by lenders. The loan repayment tenure is 3 to 60 months.

Digital Process: The process is digital. Apply for a loan online.

Eligibility Criteria for 2 Lakh Loan

The following eligibility criteria will require to apply for a 2 lakh loan:

• The applicant’s age should be 18 years or above
• A healthy CIBIL score requires (720+)
• Maintain Average bank statement
• Aadhaar linked mobile number required

Documents Required for 2 Lakh Instant Loan

• Pan Card
• Aadhaar Card
• Bank Account
• Applicant selfie photo

How to Apply for 2 Lakh Loan without Income Proof

Step 1: Check eligibility criteria that match your profile.

Step 2: Choose lenders as per your requirement.

Step 3: Start the application process through a mobile number.

Step 4: Fill in the personal details

Step 5: Submit required documents like Pan Card, Aadhaar Card & Bank Statement.

Step 6: After the eligibility check, you will get the loan offer.

FAQs on 2 Lakh Instant Loan