Have you ever come across a situation wherein you need instant funds?

Emergencies strike unannounced and when they do you might need financial back-up to face the emergency head-on. If you have sufficient funds you can easily pay for any financial obligation that arises from the emergency. But what if you don’t have sufficient funds? Who do you turn to?

With 1 hour loans available, you don’t have to turn to anyone. You can yourself avail the instant cash loan in 1 hour and meet your financial emergencies. Let’s understand what these 1 hour loans are and how they work.

What is an instant cash loan?

An instant cash loan is a personal loan which is sanctioned in an instant, i.e. within an hour. These loans are, usually, online loans wherein you just have to enter in your details, upload your documents and the loan is sanctioned by the lender within one hour.

The Navi app offers a personal loan within minutes (less than 1 hour) which you can avail for your personal needs. Download the Navi app and apply for the loan anytime and get credit for the loan amount in your bank account instantly.

How to apply for a personal loan through Navi which could help you with instant cash?

Navi offers you a simple user interface using which you can apply for a personal loan which also works as a cash loan in 1 hour. Here are the steps to apply for the loan –

  • Download the Navi app from Google Play Store and register on the app providing your mobile number and entering the OTP sent to the number
  • Once you are a registered user, you can click on the ‘Apply’ tab to apply for the loan
  • Enter in your full name, age, marital status and PIN code
  • Provide the details of your occupation and the monthly income that you earn
  • Provide your PAN card number so that the application process is completed
  • Navi would then approve a loan amount up to which you can avail a loan
  • To get the loan, choose the loan amount and the EMI that you want to pay
  • Click your selfie, enter in your Aadhaar card number and the full name of your parents
  • Provide the name of your bank and its IFSC code. Set up an Auto Debit Mandate to pay the EMIs automatically from your bank account
  • Navi would verify your details and then sanction the loan instantly.  The entire process would take about 10-20 minutes which is  always less than 1 hour.

Apply for personal loans instantly within 20 minutes through Navi

Rather than waiting a full hour to get the loan sanctioned, you can get funds within 20 minutes of your application if you choose the Navi app. The app download and application takes just a few minutes. Thereafter, Navi assesses your details, matches it to its eligibility criteria and then sanctions the loan. The whole process is so quick and efficient that you get access to funds within 20 minutes or less. So, if you are in need of quick funds choose Navi and get funds within minutes.

Features and benefits of personal loans in 1 hour offered by Navi which could also help you with instant cash

If you choose Navi as your preferred lender for cash loans in 1 hour, here are some features and benefits that you can enjoy –

  • You would  have a wide choice of the loan amount as Navi offers loans starting from Rs.10,000 and going up to Rs.5 lakhs
  • The repayment tenure is also flexible and Navi allows you upto 36 months to pay off the loan affordably
  • You can use Navi’s online EMI calculator which is free and allows you to find out the most suitable EMI amount for affordable repayments
  • With Navi, you can get a loan simply with your Aadhaar card, PAN card and a selfie
  • The whole loan application process is online thereby avoiding the hassles and inconvenience of offline applications
  • The instant cash loans in 1 hour is an unsecured loan which you can avail without pledging any collateral security or arranging a third party guarantee

Eligibility for instant cash loans in 1 hour

To avail instant cash loan in 1 hour, here are some required eligibility parameters –


You should be aged at least 18 years to apply for the loan. This age can increase to 21, 23 or 25 years depending on lenders. The maximum application age is restricted to 65 years


You should have a steady monthly income. A minimum income level is also prescribed which varies across lenders


1 hour loans are available to self-employed individuals as well as salaried employees

Interest rate

Depends on the lender

Credit score

A minimum credit score of 650 is required to avail the loan

If you choose Navi, however, there would be no set eligibility criteria. Navi uses a technology-based model to check your details and sanction loans. So, you can download the app and check the loan amount that you can avail.

Documents required for instant cash loans in 1 hour

Usually, you would have to submit the below-mentioned documents when you apply for instant cash loan in 1 hour –

  • A valid identity proof copy such as your passport, Aadhaar card, PAN card, driving license, etc.
  • A valid address proof copy such as your passport, Aadhaar card, Voter’s ID card, utility bill, etc.
  • A valid age proof copy such as your passport, Aadhaar card, Voter’s ID Card, birth certificate, etc.
  • Copy of proof of income such as your salary slip or financial accounts of your business
  • Copy of bank statements of the last 3 to 6 months
  •  Recent coloured photograph

However, Navi does not require any documents to sanction your loan. You just have to enter your PAN card number and Aadhaar card number to get the funds sanctioned.

So, to meet any emergency, apply for instant cash loans in 1 hour and get the funds that you need.

Download the App now!

Frequently Asked Questions

Would the interest rate be fixed throughout the repayment tenure for an instant cash loan in 1 hour?

Yes, when you avail a 1 hour loan, the interest rate would remain fixed throughout the loan tenure.

How should I repay the instant cash loan in 1 hour?

The cash loan in 1 hour is repayable in the form of Equated Monthly Instalments (EMIs) which are instalments consisting of the loan amount and the interest cost. The EMIs are payable throughout the loan tenure.

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