Instant Cash Loan
Get a quick cash loan up to ₹20 Lakh at an interest rate starting from 9% p.a.
Navi Instant Cash Loan
Unexpected expenses knocking at your door? Relax and get an instant Navi Cash Loan of up to ₹20 Lakh anytime, anywhere! Meet any financial requirement at ZERO processing fee, ZERO foreclosure charges and flexible repayment tenures of up to 48 months. No heavy paperwork required - the entire process is 100% paperless. Just click on ‘Cash Loan’ on the Navi app to install the cash loan app, enter your KYC details for verification and get an instant cash loan disbursed directly to your bank account within 5 minutes. Get ready to experience the best fast cash loan app.
Instant Cash Loan Interest Rate and Charges
Interest Rate: 9% p.a. onwards
Pre-closure Fee: Nil
Processing Fee: Nil
Loan Tenure: Up to 48 months
Eligibility Criteria and Documents Required
Indian Citizen,
Age: 21-65
Age: 21-65
Aadhaar Card
PAN card
PAN card
Salaried or self-employed
Annual income > 3 Lakh
Annual income > 3 Lakh
CIBIL score
greater than 750
greater than 750
How to Apply for an Instant Cash Loan on Navi App?
Download the Navi App and install the app
Get the Navi app from Play Store or App Store. Click on ‘Cash Loan’ to auto-install the cash loan app.
Check your eligibility
Enter a few basic details to check your instant cash loan eligibility
Select loan details
Select the loan amount and tenure
Complete your KYC verification
Complete your KYC using your PAN, Aadhaar, a selfie and other documents as may be required.
Link your bank account and get your cash disbursed instantly
Enter bank details and set up auto-debit to get the amount transferred to your bank account within minutes
Types of Instant Cash Loan
What our customers say about us
It's a superb app that provides loan with minimum document. The approval process is too fast, within 10 minutes amount was credited to my account. Thanks a lot team.
Jajnyeswar Medhi
The easiest way I have ever received a loan. It was beyond my expectations as I had to upload everything online and my loan was credited within few minutes. Thank you Navi!!
Mriganka Baishya
I required money for my mother's sudden illness. They were in the way of hospital and i was just thinking that from where should I send money. Navi app helped me with instant loan. Thanks again
SS Rathore
It's a superb app that provides loan with minimum document. The approval process is too fast, within 10 minutes amount was credited to my account. Thanks a lot team.
Jajnyeswar Medhi
The easiest way I have ever received a loan. It was beyond my expectations as I had to upload everything online and my loan was credited within few minutes. Thank you Navi!!
Mriganka Baishya
I required money for my mother's sudden illness. They were in the way of hospital and i was just thinking that from where should I send money. Navi app helped me with instant loan. Thanks again
SS Rathore
This is the first time that I had great experience personal loan, thanks to Navi App. The option provided for loan customisation is excellent for hassle-free repayment. This is the one of the best App and highly recommended.
Senthil Murugan
I felt it is the best instant loan app in the market at present. Very simple process of availing the loan. This app does not ask for a lot of personal or device or bank information like other instant loan apps. Keep it up team!
Kartik Talwar
Excellent & Quick. Fast & quick disbursement when you are in urgent need money is what most of us look for. Thank you so so much Navi.Hope this service continues in coming days too. Navi is one of the most genuine and trusted lenders out there.
Kavya MN
I am really very happy and impressed with the Navi Personal loan App. I applied for a loan and it got approved quickly without any problem. The loan process was very smooth. They won’t even ask for your salary slip. I recommend this App for personal loans.
Kurapati Durgaprasad
Navi is a simple app for personal loans. It needs minimum documentation. I applied for a small loan it hardly took 5-10 minutes for loan disbursal. Thank you Navi!
Vikas Kumar
Wonderful app. Very easy to use and everything described very clearly to avoid any confusion. I am using this app for last 7 months and have a loan but I never faced any inconvenience related to payment or anything else.
Yogesh Kumar
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Frequently Asked Questions
How does Navi Cash Loan work?
Download the Navi app, and enter your mobile number to generate an OTP and gain access to the home page. On the home page, click on ‘Cash Loan’ to auto-install the cash loan app. Next, enter your personal details and KYC details (PAN or Aadhaar card). Select your preferred loan amount and tenure, complete your KYC and click on ‘Apply’. Post KYC verification, the exact loan amount will be transferred to your bank account in just a few minutes!
How can I get cash immediately?
You can get instant cash within 5 minutes with the Navi app. Just download the Navi app, and enter your mobile number to generate an OTP and gain access to the home page. On the home page, click on ‘Cash Loan’ to auto-install the cash loan app. Next, enter your personal details and KYC details (PAN or Aadhaar card). Select your preferred loan amount and tenure, complete your KYC and click on ‘Apply’. Post KYC verification, the exact loan amount will be transferred to your bank account in just a few minutes!
What is an urgent cash loan?
An urgent cash loan is a loan you can get instantly to meet any financial emergency. It could be a medical expense, personal leisure, marriage, or children’s education. Cash loans could be used for any purpose without any restrictions.
Is there a limit on cash loans?
With Navi, you can get a cash loan of up to ₹20 Lakh. You are free to use it to meet any financial requirement. Just download the Navi app and apply.
Can I get a quick cash loan without a salary slip?
Yes, you can get a fast cash loan without a salary slip with Navi. You just need to enter your PAN and Aadhaar card details for KYC verification. Go paperless with Navi Cash Loan!
How can I borrow money urgently?
In case you are in need of urgent money, you can apply for an instant cash loan in 5 minutes with Navi. Download the Navi app, click on ‘Cash Loan’ to auto-install the cash loan app, enter your personal details and KYC details, select the loan amount and tenure and get the exact loan amount instantly disbursed to your bank account.
How to avoid cash loan rejection?
Always provide correct details to the lender to avoid loan rejection. Make sure that you have the necessary documents like PAN or Aadhaar in handy during KYC verification. Any mismatch in the verification details could lead to loan rejection.
What is the CIBIL score required to get a cash loan?
A CIBIL score of 750 or above could mean instant approval. It’s always important to maintain a healthy credit score if you want to get quick access to credit facilities.
Can I prepay my loan?
Yes, you can prepay your loan via the Navi app at no additional cost.
Which is the best cash loan app in India?
Navi offers instant cash loans in a 100% paperless manner with minimal documentation and flexible EMI options.
Can I use a cash loan for home renovation?
You can use a cash loan for any purpose - from renovating your house to financing your next dream vacation.
What happens if I default on my loan?
In case you default, you might have to pay a penalty fee. But more than that, your credit score would get affected. This can be a problem if you want to apply for a loan or credit card in the future.
How do I reduce my cash loan EMI?
You can reduce your EMI by increasing the loan tenure. However, for long-term cash loans, you can end up paying more in terms of interest. This can increase the overall cost of your loan.
Do I need to pledge any collateral for a cash loan?
Cash loans are unsecured loans, which means you don’t have to pledge collateral or a guarantor to get the loan.
Personal/Cash Loan Features & Benefits:
Get an Instant Cash Loan of up to ₹20 Lakh with the Navi app. Our APR varies from 9% to 45%* & you can choose a wide range of repayment options starting from 3 to 48 months.
1. Loan Amount: Up to ₹20 Lakh
2. Interest Rate: Starting from 9.9% - 45% p.a
3. Loan Tenure: 3 to 48 Months
4. 100% digital process
5. Instant money transfer to your bank account
6. Minimum household income: ₹3,00,000 p.a.
7. No Security Deposit
1. Loan Amount: Up to ₹20 Lakh
2. Interest Rate: Starting from 9.9% - 45% p.a
3. Loan Tenure: 3 to 48 Months
4. 100% digital process
5. Instant money transfer to your bank account
6. Minimum household income: ₹3,00,000 p.a.
7. No Security Deposit
Example of How Navi Cash/Personal Loan works:
Loan Amount - ₹50,000
Tenure - 12 months
Interest Rate - 22% (on reducing principal balance interest calculation)
EMI - ₹4,680
Total Interest Payable - ₹4,680 x 12 months - ₹50,000 Principal = ₹6,160
Processing Fees (incl. GST) - ₹1,475
Disbursed Amount - ₹50,000 - ₹1,475 = ₹48,525
Total Amount Payable - ₹4,680 x 12 months = ₹56,160
Total Cost of the Loan = Interest Amount + Processing Fees = ₹6,160 + ₹1,475 = ₹7,635
*Note: These numbers are for representation purpose only. Final interest rate & APR will depend on customer’s credit assessment
Tenure - 12 months
Interest Rate - 22% (on reducing principal balance interest calculation)
EMI - ₹4,680
Total Interest Payable - ₹4,680 x 12 months - ₹50,000 Principal = ₹6,160
Processing Fees (incl. GST) - ₹1,475
Disbursed Amount - ₹50,000 - ₹1,475 = ₹48,525
Total Amount Payable - ₹4,680 x 12 months = ₹56,160
Total Cost of the Loan = Interest Amount + Processing Fees = ₹6,160 + ₹1,475 = ₹7,635
*Note: These numbers are for representation purpose only. Final interest rate & APR will depend on customer’s credit assessment
All information is subject to specific conditions | © 2023 Navi Technologies Ltd. All rights are reserved.