Apply for an Instant Personal Loan Without a CIBIL Score

Many people struggle to get a personal loan because they don’t have a CIBIL score or any credit history. RUPEE112 addresses this issue by offering instant personal loans online without checking your CIBIL score.

With RUPEE112, you can apply for a personal loan even if you are a first-time borrower or have no credit history. Your application is assessed based on income and basic eligibility rather than your CIBIL score. The entire process is digital, quick, and transparent—helping you access funds without unnecessary rejections.

What Does a Personal Loan Without a CIBIL Score Mean?

A personal loan without a CIBIL score means you can borrow money even if you have no credit history or credit score.

It is ideal for first-time borrowers who have never taken a loan or used a credit card before.

The lender does not reject your application solely because your CIBIL score is missing.

Loan approval is based on factors like income, employment details, and basic eligibility instead of credit score.

Funds are approved quickly and credited directly to your bank account.

Such loans help you meet urgent financial needs while giving you a chance to build your credit history.

Why a CIBIL Score Is Not Always Required for a Personal Loan

Many people ask whether it is possible to get a loan without a CIBIL score, and the answer is yes. Credit scores were primarily created for traditional banks and often fail to support first-time borrowers or individuals starting fresh. At RUPEE112, we understand that everyone has a beginning, which is why we focus on your current income and eligibility rather than your past credit history. By offering personal loans without requiring a CIBIL score, RUPEE112 helps you access financial support with ease while giving you a fair chance to build your credit from scratch—without stress or unnecessary rejection.

When You Might Need a Personal Loan Without CIBIL

There are many situations where you might need money but have no cibil score. Life moves fast. You do not always have time to build credit. We get that.

Here are some reasons people apply:

Salary delay and rent are due

Need urgent money for medical help

Want to travel for a family emergency

Need to fix a scooter or phone

Bills are piling up before payday

You want to support a loved one

In all these cases, time matters. You do not need a large loan. You just need a fast, small one. RUPEE112 is perfect for that.

Why RUPEE112 Is the Best Loan App Without a CIBIL Score

There are many apps online. But not all of them are legal. Many ask for your documents. Then they still reject you. We are different. RUPEE112 is trusted across India for fast, safe, and easy loans – without credit checks.

Here is why we are the best loan app without a CIBIL score:

No credit history required

No physical documents needed

A PAN card and a mobile number are enough

No CIBIL check or credit report needed

Approval in minutes

Money sent directly to your bank

Easy steps and full support

Full clarity on charges before you agree

Repeat loan access if you repay on time

Who Can Apply for a Loan Without Cibil Score

If you are searching for a loan without credit score, the good news is that you can apply right now. Just make sure you meet the basic conditions:

Age 21 Years: Applicants must be at least 21 years old to be eligible for the loan.

Indian Citizenship Required: Only Indian citizens can apply for the loan.

Valid PAN Card: A valid PAN card is mandatory for identity and income verification.

Regular Income Source: You must have a stable source of income to ensure repayment ability.

Active Bank Account: An active bank account is required for loan disbursal and repayments.

Smartphone with Internet: A smartphone with internet access is needed to complete the online application process.

That is all. We do not check old loans. We welcome people with no credit score. Even first-time borrowers are welcome.

Sample Loan Charges – No CIBIL Needed

We believe in clarity. You should know what you will pay. Here is a sample calculation. These are, for example, only:

Particulars	₹20,000 Loan	₹50,000 Loan	₹80,000 Loan
Loan Amount	₹20,000	₹50,000	₹80,000
Tenure	3 months	3 months	3 months
Monthly Interest Rate	1.5%	1.5%	₹7,250
Total Interest Payable	₹900 (20,000 × 1.5% × 3)	₹2,250 (50,000 × 1.5% × 3)	₹3,600 (80,000 × 1.5% × 3)
Processing Fee (10%)	₹2,000	₹5,000	₹8,000
Total Repayment (Loan + Interest)	₹20,900	₹52,250	₹83,600
Total Cost (Including Processing Fee)	₹20,900	₹57,250	₹91,600

Note: The Processing fee and interest rate will be calculated based on your profile. You will see everything clearly before you accept the loan.

How to Apply for a Personal Loan Without CIBIL Score

We made it easy for you to apply. You do not need to scan anything. You do not need to go to any branch. You apply fully online. From your mobile.

Step 1:

Visit the RUPEE112 app or website

Step 2:

Choose the loan amount you need

Step 3:

Enter your PAN number and mobile

Step 4:

Fill in your income and basic info

Step 5:

Submit your application

Step 6:

Wait for quick approval

Step 7:

Get money in your bank account

Loan Amounts Available For You

We offer small loans without CIBIL. You get to choose the amount based on what you need:

₹5000-₹1,50,000

These are short-term personal loans. You can repay in 2 months to 12 months. If you repay on time, you may get higher amounts later.

Whether you want a quick loan without CIBIL or a short-term loan without credit check, we are ready.

How to Repay Your Personal Loan Easily

If you repay on time, you become eligible for higher loan amounts next time.

Secure Payment Link : We send you a secure link to initiate your loan repayment.

Enter PAN Number : Enter your PAN card number to verify your identity.

OTP Verification Step : Receive and enter an OTP to confirm your transaction.

View Due Amount : Check your outstanding loan amount before making a payment.

Choose Payment Method : Select your preferred payment option to complete repayment.

Complete Loan Payment : Finish the process to successfully repay your loan.

Payment Methods

Debit Card

UPI Payment

Net Banking

Install RUPEE112 App Now – Personal Loan Without CIBIL Score

Download the RUPEE112 app today to apply for a personal loan without CIBIL score instantly. With the app, you can complete your application, track approvals, and manage repayments easily—all from your smartphone, without any hassle or credit history requirements.

FAQs – Personal Loan Without CIBIL Score

Can I get a loan without a CIBIL check?

Yes, you can get a loan without a CIBIL check. Approval is based on your income and eligibility, not your credit report.

Is this loan app suitable for people with no credit history?

Yes, first-time borrowers with no credit score can apply. We support users who are new to credit and loans.

What if I have defaulted on a loan before?

Past defaults don’t automatically disqualify you. We mainly assess your current income and repayment capacity.

What interest rate will be charged?

The interest rate depends on your profile and is clearly shown before loan approval, so you know the cost upfront.

Can I repay the loan early?

Yes, early repayment is allowed. You can close your loan anytime before the due date as per app guidelines.

Are there any hidden charges?

No, there are no hidden charges. All fees, interest, and costs are disclosed clearly before loan acceptance.

Contact information

SOLOMON CAPITAL PRIVATE LIMITED is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). RUPEE112 is the brand name under which the company conducts its lending operations and specialize in meeting customer's instant financial needs.

+91-9220644112

care@rupee112.com

498,FIRST FLOOR, UDYOG VIHAR PHASE 3, GURUGRAM, HARYANA, 122016

"Beware of fraud! Always use our secure Repayment Website Link for loan payments. Do not make direct bank payments. Rupee112 is not responsible for payments made to other accounts."

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