Instant Cash Loan

Get a quick cash loan up to ₹20 lakh at interest rate starting from 9.9% p.a.

Navi Instant Cash Loan

Unexpected expenses knocking at your door? Relax and get an instant cash loan with Navi. Get a superfast loan of up to ₹20 lakh to meet any financial urgency such as, sudden medical emergency or travel expenses. With Navi, now you have access to instant cash anywhere, anytime. Navi offers flexible repayment tenures of up to 72 months and zero foreclosure charges. No heavy paperwork required - the entire process is 100% paperless. Just enter your KYC details on the Navi app for verification and get an instant cash loan disbursed directly to your bank account within 5 minutes. Navi makes cash loans hassle-free, fast and convenient. Get ready to experience the best fast cash loan app.

Instant Cash Loan Interest Rate and Charges

Interest Rate: 9.9% p.a. onwards

Pre-closure Fee: Nil

Processing Fee: Nil

Loan Tenure: Up to 72 months

Eligibility Criteria and Documents Required

Indian Citizen,
Age: 21-65

Aadhaar Card
PAN card

Salaried or self-employed
Annual income > 3 lakhs

Cibil score
greater than 650

How to Apply for an Instant Cash Loan on Navi App?

Download the Navi cash loan app

You can get the app from Play Store or App Store

Check your eligibility

Enter a few basic details to check you instant cash loan eligibility

Select loan details

Enter the loan amount and tenure

Complete your KYC verification

Complete your V-KYC using your PAN

Link you 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

Types of Instant Cash Loan

Instant Cash Loan in your City

Instant Cash Loan Options

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

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
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

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

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
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
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

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Frequently asked questions

How does Navi Cash Loan work?

Download the Navi app, enter your phone number, PAN, name, address, and KYC details (PAN or Aadhaar card). Check your loan eligibility, choose your preferred loan amount and tenure, complete your KYC and apply. The 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. Download the Navi app, enter your name, address and other KYC details for verification. Within minutes of completing the KYC verification, you will get the cash directly disbursed to your bank account.

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. No need to submit a pile of documents to get a cash loan with Navi.

How can I borrow money urgently?

In case you are in need of urgent money, you can take an instant cash loan in 5 minutes with Navi. Download the Navi app, apply for instant cash loan and enjoy instant disbursal.

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.