How can I get instant money without a credit score?

Getting instant money without a credit score is possible in India, but you’ll need to meet some extra requirements. In cases where your credit score is not available, lenders on your current financial status and ability to repay. You’ll be asked for documents that show steady income—like salary slips, bank statements, or income tax returns. Job stability is another factor lenders check before approving your application.

You can explore a few options if you have no credit history:

• Appeal for a secured loan against a fixed deposit, gold or other valuable assets. These loans are less risky for lenders and often don’t need a credit score check.
• Some lenders offer small personal loans or instant digital loans based on your income and employment status. These are usually for lower amounts and may come with stricter terms.
• Bringing in a guarantor or co-applicant with a good credit history may improve your approval chances.
• Start with a smaller loan amount. Lenders are more likely to approve small sums for first-time borrowers.
• Always review the repayment schedule and terms before you accept any offer.

Paying back such loans on time is important. It helps you build your credit history which will make it easier for you to borrow in the future. Compare different loan offers as well as read the terms carefully.