Get Instant Cash Loan Up to ₹20 lakh with Navi

Get Instant Cash Loan Up to ₹20 lakh with Navi

Enjoy attractive interest rates starting at 9.9% p.a.

Enjoy attractive interest rates starting at 9.9% p.a.

Get the app
Get the app
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What is a Cash Loan?

Unexpected expenses knocking at your door? Relax and get an instant cash loan with Navi. You can get cash loans up to ₹20 lakh in a 100% paperless manner. No heavy paperwork or documentation required. Just download the Navi app from Play Store or App store, apply and get quick cash loans within a few minutes. It’s that simple!

Features and Benefits

Features and Benefits

It hardly takes a few minutes to get a cash loan with Navi. Download the app, provide a few basic details, check your eligibility and apply. The entire loan journey - from application to disbursal - only takes a few minutes of your time.
Zero paperwork required. Seamless, app-based process that’s designed to make the customer’s journey memorable. Just a few details like your name, address, and PAN would suffice.
You can get fast cash loans up to ₹20 lakh with Navi. Whether you need money to fund your wedding or realise your travel plans, our cash loan has got you covered.
We offer cash loans at competitive interest rates starting from 9.90% p.a.
Enjoy flexible repayment tenures of up to 72 months or 6 years. Choose your loan EMI tenure based on your convenience.

Cash Loan Interest Rate and Charges

Interest Rate: 9.9% p.a. onwards
Loan pre-closure fee: Nil
Loan amount: Up to ₹20 lakh
Loan tenure: Upto 72 months

Cash Loan Interest Rate and Charges

Interest Rate: 9.9% p.a. onwards
Loan pre-closure fee: Nil
Loan amount: Up to ₹20 lakh
Loan tenure: Upto 72 months

Cash Loan EMI Calculator

Interest Amount
Principal Amount
Monthly EMI₹0
Total Interest₹0
Total Amount ₹1,04,14,798
Loan Amount
Rate Of Interest(P.a)
Loan Tenure(Months)
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How to Apply for Navi Cash Loan?

How to Apply for Navi Cash Loan?

You can get the app from Play Store or App Store
Enter a few basic details to check you instant cash loan eligibility
Enter the loan amount and tenure
Complete your V-KYC using your PAN
Enter bank details and set up auto-debit to get the amount transferred to your bank account

Cash Loan Eligibility Criteria

Age: 21 - 65 years
Nationality: Indian resident
Type of employment: Salaried or Self-employed

Cash Loan Eligibility Criteria

Age: 21 - 65 years
Nationality: Indian resident
Type of employment: Salaried or Self-employed

Documents Required

Navi offers quick cash loans with minimal documents. You just need your PAN or Aadhaar (optional) to get a loan.
PAN card
Aadhaar Card

Documents Required

Navi offers quick cash loans with minimal documents. You just need your PAN or Aadhaar (optional) to get a loan.
PAN card
Aadhaar Card

Usecases of Cash Loan

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Car Loan
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Travel Loan
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Bike Loan
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Mobile Loan
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Marriage Loan
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Used Car Loan
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Secondhand Bike Loan
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Laptop Loan

Cash Loan in different cities

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Bengaluru
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Kolkata
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Jaipur
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Kerala
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Coimbatore
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Ahmedabad
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Delhi
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Mumbai
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Chennai
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Hyderabad
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Pune
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Kolkata

Cash Loan under Budget

Our Journey So Far

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Active Loans

What our customers say about us

Blogs

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Apr 15

A Comprehensive Guide on How to Get Instant Cash Loan in 1 Hour

Are you in need of urgent cash? Avail of instant personal loans and get money deposited into your account within an hour
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Feb 5

Everything You Need to Know About Personal Loan Interest Rates

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Feb 12

How to Get a Personal Loan without Income Proof: A Complete Guide

Explore our videos

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Frequently asked questions

You can repay your loan in EMIs (Equated Monthly Instalments). To ensure hassle-free repayments, set up auto-debit on the Navi app. Your EMI will get automatically deducted on the EMI due date. However, ensure that you have sufficient balance in your bank account on or before the due date.
Multiple missed repayments can lead to loan default. This can cause irreparable damage to your credit score and put a dent in your creditworthiness.
Having a good credit score can help you fetch better deals on your loan. You can check your current credit score via the Navi app in a few seconds. Don’t worry in case you don’t have an above average CIBIL score. Read our blog to get a detailed understanding on how to improve your credit score.
Consider the following factors before taking a cash loan:
1. Credit score: Your credit score defines your creditwothiness. A poor CIBIL score can lead to rejection of your cash loan application.
2. Repayment capacity: Evaluate your ability to repay the loan. Missed EMI payments can call for penalty charges.
3. Loan EMI: Check your loan EMI beforehand. It can help you plan better.
Cash loans are unsecured loans, which means you don’t have to pledge collateral or a guarantor to get the loan.
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.
Yes, you can pre-close your Navi cash loan at no additional cost.
There are a host of benefits in getting a cash loan with Navi. Some of them are - no hidden charges, transparent and 100% paperless process, instant disbursal, big ticket-size loans, and zero processing fee (T&C apply), among others.
There are no end-use restrictions for cash loans. You can use the amount for multiple purposes - from covering your holiday or wedding expenses to paying your credit card or utility bills.
No, you are not required to provide salary slips or bank statements to get a Navi Cash Loan.
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