3 New Loan Apps in 2025 Offering Instant Loans Without CIBIL Score or Income Proof

In 2025, access to quick and hassle-free loans has become more inclusive, thanks to innovative fintech solutions. For individuals with no CIBIL score or income proof, securing a loan can be challenging through traditional lenders. However, new loan apps are emerging to bridge this gap, offering small, short-term loans without requiring credit checks or extensive documentation. In this article, we explore three such apps—Score Climb Credit Growth, Creditrack Loan App, and Smart Finance Loan App—that provide instant loans in 2025, focusing on their features, benefits, and considerations.


1. Score Climb Credit Growth: Build Credit with Small, Short-Term Loans

Score Climb Credit Growth is a unique 7-day loan app designed for individuals seeking quick cash while aiming to improve their credit profile. This app caters to users who may not have a CIBIL score or income proof, making it an accessible option for first-time borrowers or those with limited credit history.

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Key Features:

  • Loan Amount: Offers small loans, typically around ₹1,500.
  • Disbursal After Fees: After processing fees and taxes, users may receive approximately ₹900 in their bank account.
  • Repayment Tenure: Loans must be repaid within 7 days.
  • Credit Score Growth: Timely repayments are reported to credit bureaus, helping users build or improve their credit score over time.
  • Minimal Documentation: Requires only basic KYC documents like Aadhaar and PAN, with no need for income proof or CIBIL score.

Benefits:

  • Ideal for emergencies requiring small amounts.
  • Helps users establish a credit history, which can unlock better loan terms in the future.
  • Fast and digital application process with funds disbursed directly to the bank account.

Considerations:

  • The effective loan amount is reduced due to upfront fees and taxes.
  • Short repayment period (7 days) may be challenging for some borrowers.
  • High interest rates compared to traditional loans, typical of short-term lending apps.

Who Should Use It?
Score Climb Credit Growth is best suited for individuals looking to cover minor expenses while simultaneously working on building their credit score. Responsible repayment is crucial to maximize the credit-building benefit.

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2. Creditrack Loan App: Quick Cash with High Costs

Creditrack Loan App is another 7-day loan app that provides instant loans without requiring a CIBIL score or income proof. While it offers rapid access to funds, it comes with notably high interest rates and charges, making it a costly borrowing option

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Key Features:

  • Loan Amount: Provides small loans, typically in the range of ₹1,000 to ₹5,000.
  • Repayment Tenure: Loans are due within 7 days.
  • No CIBIL or Income Proof: Approves loans based on alternative data, such as KYC verification and banking history.
  • High Interest and Fees: Charges steep interest rates and processing fees, significantly increasing the repayment amount.

Benefits:

  • Instant loan approval and disbursal, often within minutes.
  • No need for a credit history or income documentation, making it accessible to a wide audience.
  • Fully digital process, eliminating the need for physical paperwork.

Considerations:

  • Extremely high interest rates and fees can make repayment burdensome.
  • Short 7-day tenure requires careful financial planning to avoid defaults.
  • Risk of a debt trap if loans are not repaid on time, as penalties may accrue.

Who Should Use It?
Creditrack Loan App is suitable for users facing urgent financial needs and confident in their ability to repay within a week. Borrowers should exercise caution due to the high costs and prioritize timely repayment to avoid additional charges.


3. Smart Finance Loan App: Fast Loans for Urgent Needs

Smart Finance Loan App is a 7-day loan app designed to provide quick financial relief without the barriers of CIBIL score checks or income proof requirements. It focuses on delivering small, short-term loans to address immediate cash shortages.

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Key Features:

  • Loan Amount: Offers loans ranging from ₹1,000 to ₹5,000, depending on eligibility.
  • Repayment Tenure: Loans must be repaid within 7 days.
  • No CIBIL or Income Proof: Relies on minimal KYC documentation (Aadhaar, PAN) for loan approval.
  • Digital Process: Entire application and disbursal process is online, ensuring speed and convenience.

Benefits:

  • Quick access to funds, ideal for emergencies like medical bills or unexpected expenses.
  • No credit score or income proof requirements, making it inclusive for new borrowers.
  • User-friendly interface for seamless loan applications.

Considerations:

  • High interest rates and processing fees, common in short-term loan apps.
  • 7-day repayment period may strain finances if not planned properly.
  • Limited loan amounts may not suffice for larger financial needs.

Who Should Use It?
Smart Finance Loan App is ideal for individuals needing small, short-term loans to tide over temporary cash shortages. Borrowers must ensure they can repay within the 7-day window to avoid penalties.


Why Choose Loan Apps Without CIBIL Score or Income Proof?

These three loan apps—Score Climb Credit Growth, Creditrack Loan App, and Smart Finance Loan App—cater to a growing demand for accessible financing in 2025. Here’s why they stand out:

  1. Inclusivity: By eliminating the need for CIBIL scores and income proof, these apps make loans available to students, freelancers, and others who may lack traditional credit or income documentation.
  2. Speed: All three apps offer instant approvals and disbursals, ensuring funds are available when needed most.
  3. Minimal Documentation: Requiring only Aadhaar and PAN for KYC verification simplifies the borrowing process.
  4. Credit-Building Potential: Apps like Score Climb Credit Growth help users establish a credit history, paving the way for better financial opportunities.

Things to Keep in Mind Before Borrowing

While these apps provide quick access to funds, they come with risks that borrowers should consider:

  • High Costs: Short-term loans often carry high interest rates and fees, increasing the overall repayment amount. For example, a ₹1,500 loan from Score Climb Credit Growth may result in only ₹900 disbursed after deductions.
  • Short Repayment Tenure: The 7-day repayment period requires careful budgeting to avoid defaults, which can lead to penalties or damage to credit profiles.
  • Risk of Debt Trap: Frequent borrowing or failure to repay on time can trap users in a cycle of debt, especially with high-cost apps like Creditrack Loan App.
  • Verify Legitimacy: Ensure the app is registered with the Reserve Bank of India (RBI) or partnered with an RBI-approved NBFC to avoid fraudulent platforms.

How to Apply for Loans with These Apps

The application process for these loan apps is straightforward and fully digital:

  1. Download the App: Install the app from the Google Play Store or Apple App Store.
  2. Register: Sign up using your mobile number and complete KYC verification with Aadhaar and PAN details.
  3. Select Loan Amount: Choose the desired loan amount and review the terms, including fees and interest.
  4. Receive Funds: Upon approval, funds are credited directly to your bank account, often within minutes.
  5. Repay on Time: Ensure repayment within 7 days to avoid penalties and, in the case of Score Climb Credit Growth, to boost your credit score.

Conclusion

In 2025, Score Climb Credit Growth, Creditrack Loan App, and Smart Finance Loan App are redefining access to instant loans by removing the barriers of CIBIL score and income proof requirements. These 7-day loan apps offer quick, small-scale financial solutions for urgent needs, with Score Climb Credit Growth standing out for its credit-building feature. However, borrowers must approach these apps with caution due to high interest rates, fees, and short repayment periods.

Before applying, assess your repayment capacity and verify the app’s credibility to ensure a safe borrowing experience. By using these apps responsibly, you can address immediate financial needs and, in some cases, lay the foundation for a stronger credit profile

CreditSea Connect Loan App Review: Kya Yeh Sach Mein Best Hai?

Aajkal loan apps ka craze badh raha hai, aur har koi ek aisa app dhoondh raha hai jo quick loan de aur bharosemand ho. CreditSea Connect Loan App ek naya naam hai jo Play Store pe dikh raha hai. Iska description aur user reviews ke basis pe hum iski ranking aur asliyat ko samajhenge. Kya yeh app top loan apps mein jagah bana sakta hai? Chalo, dekhte hain iska Hinglish review!

CreditSea Connect Kya Hai?

CreditSea Connect ek personal loan app hai jo 2 March 2025 ko launch hua. Yeh Android 5.0 ya usse upar ke devices pe chalta hai aur 1,000+ downloads ke saath kaafi dhyan kheench raha hai. App ka size sirf 27 MB hai aur yeh version 1.0.1 mein hai, jo 29 March 2025 ko update hua. Iska content rating 3+ hai, matlab yeh har age group ke liye safe hai. Developer CreditSea ke dwara offered, yeh app loan ke saath-saath side income ka bhi option deta hai, jaisa ki reviews mein dikhta hai.

Lekin kya yeh app sach mein itna acha hai jitna dikhta hai? Aaiye iske pros, cons, aur user feedback ke saath ranking dekhein.

Features of CreditSea Connect

Description ke hisaab se, CreditSea Connect ka focus simple aur fast loan process pe hai. Yeh app personal loans ke liye banaya gaya hai, aur isme kuchh alag features bhi hain jo reviews se pata chalte hain:

  • Quick Loan Approval: Users kehte hain ki loan jaldi approve hota hai.
  • Side Income Opportunity: App refer-and-earn model deta hai, jisme aap doosron ke loan applications bhar ke reward kama sakte hain.
  • Lightweight App: 27 MB ka size chhote phones pe bhi easily chalta hai.
  • Wide Compatibility: Android 5.0 ya usse upar ke devices pe kaam karta hai.

Lekin, iska description mein details kam hain, jaise interest rates, loan amount, ya repayment tenure. Yeh ek bada sawal hai jo ranking pe asar daalta hai.

User Reviews: Sach Kya Hai?

CreditSea Connect ke reviews mixed hain, jo iski ranking ko samajhne mein madad karte hain. Yahan 5-star aur 1-star reviews ka quick overview hai:

5-Star Reviews: Log Kyun Pasand Kar Rahe Hain?

  • Geeta Singh (3 April 2025): “Good app for loan and easy fast approved.” Geeta ko loan approval ka fast process pasand aaya.
  • TARUSH GUPTA (5 April 2025): “CreditSea Connect help me to have some side income on daily basis.” Tarush ne side income ke option ki tareef ki.
  • Anonymous User (3 April 2025): Ek user ne bataya ki unhone app ko side income ke liye try kiya aur 2 din mein earning shuru ho gayi. Unhe refer-and-earn system pasand aaya, jisme doosron ke loan applications bharne pe reward milta hai.
  • DIGITAL RJ (3 April 2025): Bas “good” kaha, jo positive feedback dikhata hai.

In reviews se lagta hai ki app ka loan process fast hai aur side income ka option kaafi logon ko attract kar raha hai. Yeh app ko top loan apps ke liye ek acha candidate banata hai.

1-Star Reviews: Kya Problem Hai?

  • Jk Rakesh Jakkena (5 April 2025): “Bad experience services…” Rakesh ne service ke saath kharab experience share kiya, lekin details nahi diye.
  • Doli Ahmed (5 April 2025): “Bakwas app subhe se aavi tak review me hi hai,,,, faltu app..” Doli ko app waste of time laga aur unhone review process mein issue bataya.

Yeh negative reviews dikhate hain ki kuchh users ko app ke services mein dikkat aayi, jaise slow processing ya customer support ki kami. Yeh app ki ranking ko thoda neeche la sakta hai.

Pros of CreditSea Connect

  • Fast Approval: Kai users ne loan approval ke speed ki tareef ki.
  • Side Income Ka Mauka: Refer-and-earn system se daily earning ka option.
  • User-Friendly: Chhota size aur simple interface, low-end phones ke liye acha.
  • New aur Growing: 1,000+ downloads ke saath app ka craze badh raha hai.

Cons of CreditSea Connect

  • Limited Info: Description mein interest rates, loan limits, ya terms clear nahi hain.
  • Mixed Reviews: 1-star reviews se service issues ka pata chalta hai.
  • Naya App: Sirf 1 mahine purana, to long-term reliability pe doubt hai.
  • Customer Support: Negative reviews mein support ke baare mein shikayat.

Ranking: Kahan Khada Hai CreditSea Connect?

Ab sawal yeh hai ki CreditSea Connect ko top loan apps mein kitna rank dena chahiye? Yahan ek fair ranking ka analysis hai:

  1. Ease of Use (4/5): App ka size chhota hai aur interface simple lagta hai. Android 5.0 ke phones pe bhi chalta hai, jo bada plus hai.
  2. Loan Approval Speed (4/5): 5-star reviews ke hisaab se loans jaldi approve hote hain, lekin 1-star reviews ke slow processing ke claims isse thoda kamzor karte hain.
  3. Side Income Feature (4.5/5): Refer-and-earn model kaafi unique hai aur users ko pasand aa raha hai. Yeh app ko alag banata hai.
  4. Transparency (2.5/5): Interest rates, loan amounts, ya repayment terms ke baare mein description mein kuchh nahi hai, jo bada minus hai.
  5. Reliability (3/5): Naya app hone ke wajah se thodi uncertainty hai. Mixed reviews bhi trust pe asar daalte hain.

Total Score: 18/25 (3.6/5)
CreditSea Connect ek promising app hai, lekin abhi kaafi improvements ki zarurat hai. Yeh top 10 loan apps mein shayad 7th ya 8th rank pe aaye, kyunki iske fast approval aur side income ke features acha impact daalte hain, par transparency aur service issues usse upar nahi jaane dete.

Top Loan Apps Ke Saath Comparison

Agar hum CreditSea Connect ko doosre popular apps jaise KreditBee ya MoneyView se compare karen, to yeh baatein samne aati hain:

  • KreditBee: Zyaada transparent hai, loan amounts aur rates clear hain, lekin side income ka option nahi.
  • MoneyView: Low credit score wale users ke liye acha, par CreditSea jaisa refer-and-earn nahi deta.
    CreditSea Connect ka unique selling point uska side income model hai, jo isse alag banata hai, lekin details ki kami isse peeche rakhti hai.

Kya Aapko CreditSea Connect Try Karna Chahiye?

Agar aap ek aisa app dhoondh rahe hain jo fast loan de aur saath mein side income ka mauka, to CreditSea Connect ek try ke layak hai. Lekin, in baaton ka dhyan rakhein:

  • Details Check Karo: Loan lene se pehle interest rates aur terms confirm karen.
  • Reviews Padhein: Doosre users ke experiences se idea milega.
  • Chhoti Shuruaat: Pehle chhota loan ya referral try karke app test karen.

Final Verdict

CreditSea Connect Loan App ek naya aur interesting option hai jo fast loans aur side income ka vaada karta hai. Iska lightweight design aur refer-and-earn feature isse kaafi attractive banate hain, lekin transparency ki kami aur mixed reviews isse top rank se thoda door rakhte hain. Abhi ke liye, yeh top 10 loan apps mein 7th ya 8th rank pe fit baithta hai. Agar aap emergency loan ya extra income ka source dhoondh rahe hain, to isse try kar sakte hain, par thodi savdhani ke saath…..


ATD Money Personal Loan App Review: Salaried Logon Ke Liye Ek Bharosemand App

Aaj ke tezi se chalne wale zamane mein kabhi bhi financial emergency aa sakti hai, aur ek bharosemand loan app dhoondhna zaroori hai. ATD Money Personal Loan App, jo ATD Financial Services Pvt Ltd ke dwara chalayi jati hai, ek RBI-registered NBFC hai, aur salaried logon ke liye ek shandaar option hai. Yeh review batata hai ki ATD Money kyun ek quick aur safe loan app hai, iske features, user feedback, aur transparent tareeke ke saath.

ATD Money Kya Hai?

ATD Money ek digital lending platform hai jo salaried logon, khas kar low-salary earners ke liye banaya gaya hai, aur ₹50,000 tak ke personal aur payday loans deta hai. Medical emergency ho, roz ka kharcha, ya sudden paison ki kami, ATD Money 100% digital process ke saath loan deta hai. Yeh app Android (version 6.0 ya upar) pe available hai, aur March 17, 2025 ko launch hone ke baad 1,000 se zyada downloads ho chuke hain.

RBI ke saath registered NBFC (License No. B-12-00315) hone ke naate, ATD Money RBI 2022 Digital Lending Guidelines ko follow karta hai, jo isse transparent aur secure banata hai. Iske headquarters Noida, UP mein hain (C 316, B and C, Sector 10), aur contact ke liye email (info@atdmoney.com) aur helpline (9999589201) hai.

ATD Money Ke Top Features

ATD Money ke features salaried borrowers ke liye kaafi attractive hain:

  • Loan Amount: ₹50,000 tak, chhote ya medium needs ke liye perfect.
  • Flexible Tenure: Minimum 90 din se maximum 365 din tak, repayment ke liye kaafi time.
  • Interest Rates: Roz ka 0.067% ROI, yaani maximum 45.85% APR.
  • Fast Disbursal: Purane customers ko 10 minute mein paisa, naye users ko 30 minute mein.
  • No Hidden Charges: Documentation aur processing fees 3.5% se 7.5% (18% GST ke alawa), bilkul clear.
  • Zero Prepayment Charges: Jaldi repayment pe koi penalty nahi.
  • 100% Digital: Koi paperwork nahi, sab online.
  • Data Security: 496-bit SSL encryption se user data safe.

Loan ke liye bas chhote se documents chahiye: recent photo, PAN Card, Aadhaar Card, address proof, 6-mahine ka bank statement, aur 3-mahine ki salary slip.

Kaun Apply Kar Sakta Hai?

ATD Money ka loan lene ke liye yeh conditions puri karni hain:

  • Indian citizen
  • Salaried employee
  • Minimum ₹20,000 monthly salary
  • Umar 18 saal ya usse zyada
  • Valid PAN aur Aadhaar

Yeh rules ensure karte hain ki app stable income wale logon ko loan de.

Loan Ka Example: Saaf Calculation

ATD Money charges ko clearly batata hai. Ek ₹5,000 ke loan ke liye 91 din ke tenure mein:

  • Interest: ₹304.85
  • Processing + Documentation Fees (3.5% + 3.5%): ₹413 (₹63 GST ke saath)
  • Disbursed Amount: ₹4,587
  • Total Repayable Amount: ₹5,413

Agar repayment late hui, to penalty lagegi, jo email agreement mein clearly batayi jati hai.

Users Kya Bolte Hain?

ATD Money ko users se kaafi tareef mil rahi hai, jo iski reliability dikhati hai:

  • Anuj Mishra (10 April 2025): “ATD Money ne meri mushkil mein madad ki. Process itna fast tha—apply kiya aur usi din paisa mila! Bharosemand app.”
  • Divya Singh (10 April 2025): “Achanak paise ki zarurat padi, aur ATD Money ne bacha liya. Jaldi approval aur same day credit!”
  • Sangeet Kumar (10 April 2025): “Salaried logon ke liye fast aur clear app. Emergency ke liye perfect.”
  • Ishpuneet Singh (11 April 2025): “Kaafi helpful, Aman aur Shreya ne badi patience se madad ki.”
  • Subhranil Banerjee (10 April 2025): “ATD kaafi saalon se shandaar hai. Kishan Sahoo extra effort karta hai. Yeh paid review nahi!”
  • Atish Birwadkar (10 April 2025): “Best loan app! Instant loan mila, aur Shreya madam ne sab clear kiya. Thank you, ATD Money.”

Users ko fast disbursal, helpful staff, aur transparent process pasand hai. Koi negative review nahi mila, jo iski credibility dikhata hai.

ATD Money Kyun Chunein?

ATD Money kai wajah se alag hai:

  • RBI Compliant: Strict rules follow karta hai, bharosa deta hai.
  • Speed: Emergency ke liye jaldi approval aur paisa.
  • Transparency: Saaf terms, koi chhupa charge nahi.
  • Support: Aman, Shreya, aur Kishan jaise staff jaldi help karte hain.
  • Security: Data ko encryption se protect karta hai.
  • No Collateral: Sirf e-mandate chahiye, koi cheque nahi.

30,000 se zyada mini-loans de chuka hai, yeh app salaried logon ke liye solid hai.

Kaise Apply Karein?

Loan lena aasaan hai:

  1. Play Store se ATD Money App download karo.
  2. Sign up aur profile banao.
  3. Documents upload karo.
  4. Application submit karo, 3 minute mein approval status milega.
  5. E-sign agreement karo.
  6. 10–30 minute mein paisa bank account mein.

Kya Behtar Ho Sakta Hai?

ATD Money kaafi achha hai, par yeh cheezein improve ho sakti hain:

  • Aage jaake non-salaried logon ke liye loans.
  • Low-risk customers ke liye fees kam karna.
  • Zyaada languages mein support.

Final Baat: Ek Safe Aur Fast App

ATD Money Personal Loan App salaried Indians ke liye ek bharosemand, RBI-compliant app hai. Iska transparent pricing, jaldi disbursal, aur secure platform isse emergencies ya roz ke kharchon ke liye perfect banata hai. User reviews iski efficiency aur supportive team ki tareef karte hain. Agar aapka monthly salary ₹20,000 ya usse zyada hai, to ATD Money aapke liye ek solid option hai.


“Piramal Capital को RBI का हरा झंडा: अब NBFC-ICC के रूप में नई उड़ान

Piramal Capital को RBI से मिली NBFC-ICC के रूप में काम शुरू करने की मंजूरीPiramal Capital & Housing Finance को भारतीय रिजर्व बैंक (RBI) से एक नई पहचान मिली है। अब यह कंपनी NBFC-ICC (नॉन-बैंकिंग फाइनेंशियल कंपनी – इनवेस्टमेंट एंड क्रेडिट कंपनी) के तौर पर अपने कारोबार की शुरुआत करेगी। इस बदलाव के साथ ही यह हाउसिंग फाइनेंस कंपनी (HFC) के रूप में काम करना बंद कर देगी।

{“remix_data”:[] piramal finance ,nbfc good news

Piramal Enterprises Ltd ने सोमवार को ऐलान किया कि उनकी सहायक कंपनी Piramal Finance Limited (PFL) को RBI ने 4 अप्रैल, 2025 को एक रजिस्ट्रेशन सर्टिफिकेट (CoR) जारी किया है। यह मंजूरी RBI एक्ट, 1934 की धारा 45 IA के तहत दी गई है। कंपनी ने अपने रेगुलेटरी फाइलिंग में बताया, “हमें यह सूचित करते हुए खुशी हो रही है कि RBI ने हमें NBFC-ICC के रूप में काम शुरू करने की अनुमति दे दी है, जिसमें पब्लिक डिपॉजिट स्वीकार नहीं किया जाएगा।”

क्या है NBFC-ICC और इसका महत्व?

NBFC-ICC एक ऐसी वित्तीय संस्था है जो निवेश और क्रेडिट सेवाएं प्रदान करती है। Piramal Capital के लिए यह मंजूरी एक बड़े बदलाव का संकेत है, जो इसके कारोबार को और विस्तार देने में मदद करेगी। पहले हाउसिंग फाइनेंस पर केंद्रित यह कंपनी अब नए क्षेत्रों में अपनी पहुंच बढ़ा सकेगी।

इस खबर को Piramal Enterprises और Piramal Capital के आधिकारिक सोशल मीडिया हैंडल्स पर भी शेयर किया गया है। अधिक अपडेट्स के लिए हमें फॉलो करें!

Abhicash Loan App: Instant Personal Loan Ka Ek Vikalp

Aaj ke tezi se badalte samay mein, kabhi bhi financial emergency aa sakti hai—chahe wo medical bill ho, gadi ki repairing, ya mahine ke akhir mein paiso ki kami. Aise mein ek bharosemand aur turant loan dene wala solution zaroori hai. Abhicash ek aisa loan app hai jo short-term personal loans deta hai, lekin kya ye sach mein aapke liye sahi hai? Is post mein hum Abhicash ke features, eligibility, sample calculation, customer reviews, aur ek khas udaharan ke saath iski puri jankari denge.


Abhicash Ke Features Aur Fayde

Abhicash apne kuch unique features ke saath loan market mein alag pehchan banata hai:

  • Koi Security Deposit Nahi: Collateral ya security dene ki zaroorat nahi.
  • Transparency: Terms aur conditions saaf hote hain, koi chhupi fees nahi.
  • Flexible Loan Amount: ₹5,000 se lekar ₹2 lakh tak ka loan mil sakta hai.
  • Repayment Tenure: 62 din se 365 din tak ka samay chun sakte hain.
  • Interest Rate: 0% se 36% APR tak.
  • 100% Online Process: Application se repayment tak sab kuch digital.
  • Kam Documents: Sirf PAN Card, Aadhaar Card, aur bank statement chahiye.
  • Direct Transfer: Loan approve hone ke baad paise seedhe bank account mein.
  • 24/7 Access: App ke zariye kabhi bhi loan manage kar sakte hain.
  • Instant Approval: Jaldi evaluation aur turant funds.

Eligibility Aur Documents

Abhicash se loan lene ke liye aapko ye shartein puri karni hongi:

  • Aap ek salaried individual hone chahiye.
  • Umar kam se kam 21 saal honi chahiye.
  • Mahine ki take-home salary ₹15,000 se zyada honi chahiye.

Zaroori Documents:

  • PAN Card
  • Aadhaar Card
  • Salary account ka bank statement

Ek Sample Loan Calculation

Abhicash ka loan kaise kaam karta hai, ye samajhne ke liye ek udaharan dekhte hain:

  • Loan Amount: ₹15,000
  • Tenure: 3 mahine
  • Interest Rate: 36% per annum (flat)
  • Processing Fees (GST sahit): ₹826
  • Disbursed Amount: ₹14,174
  • Flat Interest: ₹15,000 * 3/12 * 36% = ₹1,350
  • Total Repayment: ₹16,350
  • Monthly EMI: ₹5,450
  • Total Cost of Loan: ₹2,176 (₹1,350 interest + ₹826 processing fees)

Note: Ye sirf ek example hai. Actual rates aur fees aapke loan terms ke hisaab se alag ho sakte hain.


Abhicash Ka Loan Kitna Mehnga Pad Sakta Hai?

Abhicash ke fayde toh hain, lekin iska loan lena aapke liye mehnga bhi sabit ho sakta hai agar aap terms ko dhyan se na padhein. Ek example lete hain—hamara ek dost, Sumit Jaiswal, jo ek finance se juda hua YouTube channel chalate hain, unhone Abhicash se ₹10,000 ka loan liya. Ye loan 12 mahine ke liye tha, lekin isme ₹4,720 ki processing fee lagi, aur interest rate 0.24% per day tha. Agar hum iski calculation karein:

  • Daily Interest: ₹10,000 * 0.24% = ₹24 per day
  • 12 Months (365 days) ka Interest: ₹24 * 365 = ₹8,760
  • Processing Fee: ₹4,720
  • Total Cost of Loan: ₹8,760 (interest) + ₹4,720 (processing fee) = ₹13,480
  • Total Repayment: ₹10,000 (principal) + ₹13,480 = ₹23,480

Yani ₹10,000 ke loan ke liye Sumit ko 12 mahine mein ₹23,480 chukane pade, jo asal loan se double se bhi zyada hai! Ye dikhata hai ki processing fees aur daily interest rate ke chalte Abhicash ka loan bahut mehnga pad sakta hai. Isliye loan lene se pehle terms aur conditions ko dhyan se padhna zaroori hai.


Customer Reviews

Abhicash ke customers ke mixed experiences rahe hain. Kuch reviews yaha hain:

  • Ugesh Kumar, 10 March 2025:
    “Loan status completed dikh raha hai, lekin paise account mein nahi aaye. Support team ko email kiya, koi jawab nahi mila. Number bhi switch off hai.”
  • Abhicash Response: “Humein aapki help karni hai. support@abhicash.in par sampark karein ya 9220320064 par call karein.”
  • Gorumuchu Sesharatnam, 5 March 2025:
    “3 din se wait kar raha hu, loan amount nahi aaya. Email kiya, koi response nahi. Ye worst app hai, update ka message aata hai lekin Play Store mein update nahi hai.”
  • Abhicash Response: “Humein khushi hogi aapki madad karke. support@abhicash.in par likhein ya 9220320064 par call karein.”
  • Ramu K, 21 March 2025:
    “Loan complete dikh raha hai, EMI pay karne ko bol raha hai, lekin paise nahi aaye. Customer care ko screenshot bheja, koi jawab nahi.”
  • Abhicash Response: “Aapki pareshani ke liye humein khed hai. support@abhicash.in par sampark karein.”

Aksar customers ke tajurbe acche rahe hain, lekin kuch shikayatein bhi hain. Abhicash in samasyao ko suljhaane ke liye kaam kar raha hai aur support team ke zariye turant madad ka waada karta hai.


Kya Aapko Abhicash Chuna Chahiye?

Abhicash ek tez aur aasan loan solution hai, lekin iske gunahgar bhi hain. Sumit Jaiswal ke udaharan se saaf hai ki high processing fees aur daily interest rates ke wajah se ye loan mehnga pad sakta hai. Isliye:

  • Terms aur conditions dhyan se padhein.
  • Total repayment amount calculate karein.
  • Koi shak ho to support team se poochhein.

Aaj Hi Shuru Karein

Agar aapko turant paise chahiye aur aap terms samajh sakte hain, to Abhicash ek vikalp ho sakta hai. App ko Google Play Store se download karein aur aaj hi apply karein. Sawal ya madad ke liye support@abhicash.in par sampark karein.


Meta Description

“Abhicash se instant personal loan lein—no collateral, transparent terms. ₹2 lakh tak ka loan, lekin terms dhyan se padhein!”

Tags

  • Personal loan
  • Instant loan
  • Loan app
  • Abhicash
  • Short-term loan
  • No collateral loan
  • Quick loan approval
  • Online loan application

“Studio Ghibli Style Images Banane Ka Asan Tareeka – Free AI Tools Ke Saath”

Studio Ghibli ki duniya ek aisi jagah hai jahan har frame ek kahani kehti hai—vivid colors, whimsical characters, aur ek magical vibe ke saath. Lekin kya aapne kabhi socha ki aap bhi apni tasveeron ko isi tarz ka bana sakte hain? 2025 mein AI technology ne yeh mumkin kar diya hai, woh bhi bilkul free mein! Chahe aap apna selfie ho, apne pet ki photo, ya ek khubsurat landscape, aap use Studio Ghibli style mein badal sakte hain bina kisi drawing skills ke. Yeh article aapko step-by-step guide dega kaise aap free AI tools ka use karke Ghibli jaisa artwork bana sakte hain. Hum aapko bataenge kaun se tools best hain, unka use kaise karna hai, aur tips bhi denge taaki aapke results professional lagein. To chaliye shuru karte hain!

Kya Hai Studio Ghibli Style Aur Kyun Hai Yeh Itna Popular?

Studio Ghibli ek Japanese animation studio hai jo Hayao Miyazaki jaise directors ke kaam ke liye duniya bhar mein mashhoor hai. Films jaise Spirited Away, My Neighbor Totoro, aur Howl’s Moving Castle ne apne unique art style se logon ka dil jeeta hai. Yeh style soft pastel colors, detailed backgrounds, aur ek dreamy vibe ke liye jana jata hai. Har scene aisa lagta hai jaise ek painting zinda ho gayi ho.Is style ki popularity ka raaz hai uska emotional connect—yeh aapko ek fantasy duniya mein le jata hai jo real bhi lagti hai. Aaj kal social media pe log apne photos ko Ghibli style mein convert karke share kar rahe hain, aur yeh trend 2025 mein aur bada ho raha hai. X par posts dikhate hain ki Bollywood stars ke Ghibli edits bhi viral ho rahe hain! AI tools ne is trend ko har kisi tak pahunchaya hai, aur free options ke saath ab aapko expensive software ya artistic skills ki zarurat nahi.

Free AI Tools Jo Aapke Liye Kaam Kar Sakte Hain

Studio Ghibli style images banane ke liye kai free AI tools available hain jo beginners aur experts dono ke liye kaam karte hain. Yahan kuch top options hain:

  • Getimg.ai: Yeh tool “Ghibli Diffusion” model ke saath aata hai jo specially Ghibli-inspired art banane ke liye design kiya gaya hai. Aap har mahine 100 images free mein generate kar sakte hain. Bas apni photo upload karein, “Studio Ghibli style” select karein, aur result download kar lein.
  • Fotor: Yeh ek online photo editor hai jo ek-click Ghibli filter deta hai. Iska interface itna simple hai ki aapko technical knowledge ki bhi zarurat nahi. Upload karein, filter lagayein, aur save karein—bas itna hi!
  • insMind: Yeh tool thoda advanced hai aur aapko customization options deta hai jaise background change karna ya colors adjust karna. Free version mein bhi kaafi features hain.
  • OpenArt: Agar aap prompts se kaam karna chahte hain, to yeh perfect hai. Aap likh sakte hain, “Ek chhota gaon Studio Ghibli style mein, sunset ke saath,” aur yeh us hisaab se image banayega.Har tool ka apna unique fayda hai—Getimg.ai quality ke liye, Fotor simplicity ke liye, aur insMind detailing ke liye. Aap apne zarurat ke hisaab se chun sakte hain.

Step-by-Step Guide: Ghibli Style Images Kaise Banayein

Ab chaliye practical part pe aate hain—kaise aap apne photos ko Ghibli style mein badal sakte hain:

  • Step 1: Tool Chunna Sabse pehle ek tool select karein. Agar aap beginner hain, to Fotor se shuru karein kyunki yeh sabse asan hai. Advanced users Getimg.ai ya insMind try kar sakte hain.
  • Step 2: Photo Upload Karna. Apni tasveer upload karein. Dhyan rakhein ki photo clear ho—blurry images se result utna accha nahi aata. Portraits, landscapes, ya pets ki photos best kaam karti hain.
  • Step 3: Filter Ya Prompt Use Karna Agar tool mein filter option hai (jaise Fotor), to “Studio Ghibli style” ya “cartoon effect” select karein. Agar prompt likhna hai (jaise Getimg.ai), to kuch aisa try karein: “Mera selfie Studio Ghibli style mein, forest background ke saath.” Prompt mein details jitni zyada, utna behtar result.
  • Step 4: Result Check Aur Edit Karna Jab image generate ho jaye, use check karein. Agar kuch thik karna ho—jaise colors ya background—insMind jaise tools mein editing options hote hain.
  • Step 5: Download Aur Share Final image ko download karein aur Instagram, X, ya apne website pe share karein. Aap chahein to watermark bhi add kar sakte hain apne brand ke liye.Yeh process 5-10 minute se zyada nahi lega, aur aapke paas ek stunning Ghibli artwork hoga.

Tips For Best Results

  • Clear Photos Use Karein: High-resolution images se Ghibli effect zyada sharp aur vibrant aata hai.
  • Prompts Mein Detail Add Karein: Agar aap text-based tool use kar rahe hain, to specific details jaise “soft lighting” ya “cherry blossoms” likhein.
  • Experiment Karein: Har tool ke saath thodi practice karein taaki aapko pata chale kaunsa aapke style ke liye best hai.
  • Background Simple Rakhein: Agar photo mein background complicated hai, to Ghibli effect thoda messy lag sakta hai.
  • In tips ko follow karke aap apne artwork ko next level pe le ja sakte hain.

Conclusion

Studio Ghibli style images banana ab koi mushkil kaam nahi raha. Free AI tools jaise Getimg.ai, Fotor, aur insMind ne is process ko itna asan bana diya hai ki aapko bas ek photo aur thodi creativity chahiye. Chahe aap apne doston ko impress karna chahte hain ya apne website ke liye unique content banana chahte hain, yeh tools aapke kaam aayenge. 2025 mein yeh trend aur bada hone wala hai, to abhi se shuru karna ek smart move hai. To deri kyun? Aaj hi ek tool try karein, apni tasveer ko Ghibli magic se bhar dein, aur apne creations ko duniya ke saath share karein. Agar aapko koi dikkat aaye ya aur ideas chahiye, to humein comment mein batayein—hum aapki madad ke liye hamesha taiyaar hain!

10 Best Personal Loan Apps Without Income Proof 2025

Life is full of surprises, and not all of them are pleasant. Whether it’s a medical emergency, urgent home repair, or an unexpected expense, sometimes you need funds fast—even if you lack traditional income proof. Freelancers, gig workers, or those with irregular income often face hurdles when applying for loans. Fortunately, several digital lending platforms now offer personal loans without requiring salary slips or formal income documents. Here’s a curated list of the **10 best personal loan apps without income proof 2025 ** to help you bridge the gap during crunch times.

Why Opt for Loan Apps Without Income Proof?

Traditional lenders rely heavily on salary slips and employment verification, leaving self-employed individuals or cash-earners in a bind. Modern fintech apps, however, use alternative data—like bank statements, credit behavior, or even social profiles—to assess eligibility. Benefits include:

✅Ring Power Personal Loan

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  • Key Features: Offers a credit line up to ₹5 lakh. Uses bank statements and credit scores for approval.
  • Interest Rate: 1.08% per month onward.
  • Tenure: Up to 36 months.
  • Eligibility: Salaried or self-employed with a bank account.

2. KreditBee

“Use Code” DSA100

For 100% Off in Processing fee

  • Key Features: Loans up to ₹4 lakh for salaried and self-employed individuals. Analyzes alternate data like education and employment history.
  • Interest Rate: Starts at 0.9% per month.
  • Tenure: 2–15 months.
  • Eligibility: Ages 21–50 with a bank account.

3. Olyv ( SmartCoin) Online

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  • Key Features: Instant loans up to ₹4 lakh using AI-driven checks on social profiles and SMS bank data.
  • Interest Rate: 2.5% monthly (30% APR).
  • Tenure: Up to 18 months.
  • Eligibility: Salaried professionals aged 25+ with a minimum ₹15,000 monthly income.

4. Fibe : Best Personal Loan

  • Key Features: Loans up to ₹5 lakh. Considers bank transaction history for freelancers.
  • Interest Rate: 0.9–2.4% per month.
  • Tenure: 3–24 months.
  • Eligibility: Must have a bank account with 3+ months of transaction history.

5. PaySense

  • Key Features: Disburses up to ₹5 lakh using bank statements and credit history.
  • Interest Rate: 1.4–2.5% per month.
  • Tenure: 3–36 months.
  • Eligibility: Ages 21–60 with a stable income source.

6. Navi Loan App

  • Key Features: Offers loans up to ₹20 lakh. Uses health records and spending habits for assessment.
  • Interest Rate: Starts at 1.5% per month.
  • Tenure: Up to 24 months.
  • Eligibility: Requires a credit score of 650+

7. Nira

  • Key Features: Small-ticket loans (up to ₹1 lakh) via bank account analysis.
  • Interest Rate: 1.5–2.5% per month.
  • Tenure: 3–12 months.
  • Eligibility: Ages 22–55 with a monthly income of ₹15,000+.

8. Olyv(Formerly Smartcoin)

  • Key Features: Loans up to ₹5 lakh based on bank transaction patterns.
  • Interest Rate: 1.5–2.5% per month.
  • Tenure: 3–36 months.
  • Eligibility: Bank account with 6+ months of activity.

9. mPokket

  • Key Features: Targets students and young professionals. Loans up to ₹45,000 with minimal docs.
  • Interest Rate: 0–4% processing fee.
  • Tenure: 1–3 months.
  • Eligibility: Ages 18–35 with a college ID or part-time job.

10. LoanFront

  • Key Features: Fast approval (15 minutes) for loans up to ₹2 lakh. Uses bank statements for verification.
  • Interest Rate: 2–3% per month.
  • Tenure: 3–12 months.
  • Eligibility: Monthly income of ₹12,000+.

Things to Consider Before Applying

  1. Interest Rates: These loans often have higher rates than traditional options. Compare APRs.
  2. Hidden Charges: Check processing fees, prepayment penalties, or late fees.
  3. Repayment Tenure: Ensure the EMI fits your budget.
  4. App Credibility: Read reviews and confirm the app is RBI-compliant (for India).
2 New Personal Loan Website For Everyone 2025 : Low Cibil Loan

New personal loan app makes it easy to get an instant personal loan of up to 10 lakhs in just 15 minutes right from your mobile phone skip the long queues with New Personal Loan App one of India’s top – rated loan app, where you can secure a loan for emergency expenses unexpected bills or that dream vacation.

Proof

Top Features Of The New Personal Loan App :

  • Free Eligibility check : check your loan eligibility instantly with Incred loan hassle – free
  • Real time loan tracking – track your loan application status in real time using our loan app which provide you with instant updates on your new personal loan application.
  • 100% online KYC process : our RBI registered loan app ensures a secure fast and completely digital online instant loan app experience for you.
  • Dedicated support : a relationship manager helps you every step of the way making the process easier with our instant finance options and personalized assistance
  • EMI reminders & schedule : recieve automated reminders for your EMIs and easily access your repayment schedule via the New Personal Loan App platform offering a seamless loan mobile app experience
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Why Choose New Personal Loan App ?

  • Instant loan approval in 5 minutes
  • 100% online application process
  • No collateral required
  • Competitive interest rates : starting from 13.99% p.a.
  • Flexible repayment terms : 6 to 60 months
  • Customised loan amount & tenure : manage your EMIs with ease
  • Simple EMI deduction via eNACH

Quick loan breakdown example : Mr. Rohan needs an urgent loan of 1,00,000 he applied for the same through the new personal loan app which was approved within minutes here’s how it worked :

  • Sanctioned loan amount : 1,00,000
  • Processing fee : 3,540
  • Net disbursed amount : 96,450
  • Interest rate : 21% per annum
  • Monthly EMI : 3,767.5
  • Total repayment : 1,35,630
  • Total loan cost : 39,170

Note : This is just an example the final APR for your loan will be as per your credit assessment annual percentage Rate range for Incred personal loan is 16% to 60%

Who can apply ?

  • Age requirment : 21 to 55 years
  • Minimum monthly salary : 15,000 for Salaried Individuals or 25,000 for business owners with ITR and GST documents
  • Credit score : preferably 700+ with a solid repayment history

What you can use an new personal loan app for ?

  • Marrige and wedding expenses
  • Travel and vacations
  • Appliances and gadgets
  • Education courses and upskilling
  • Medical emergencies
  • Home renovation
  • Credit card bills
  • Buying a new phone or bike

New Personal Loan App also offers education and business loans tailored for students and marchants learn more by visiting our website at www.newloanapp.com.

Trusted and secure lending – New Personal Loan App is a registered RBI complaint loan app with a strong commitment to responsible Lending compliance with thousands of borrowers and merchant supported new loan app provides dependable and secure financing to help meet your financial goals.

400,000 + happy borrower’s

18,000cr + disbursed in personal loan

8,000 + students financed

For queries us at : https://wa.me/ + 918826272192

Liquiloans App Review: P2P LOAN 2024

Liquiloans या ndx P2P Platform यह एक ऐसा प्लेटफॉर्म है जिसके द्वारा आप पर्सनल लोन ले सकते हो और साथ ही साथ में अपने पैसे को आप इन्वेस्ट करके अच्छा खासा रिटर्न भी कमा सकते हो इससे प्लेटफार्म के द्वारा लोन कैसे लेना है और लोन की ब्याज दर क्या होगा प्रोसेसिंग फी क्या होगी सभी आज की इस पोस्ट में हम आपको बताने वाले हैं तो इस पोस्ट को ध्यान से देखिएगा

NDX P2P CHARGES : LIQUILOANS CHARGES

  • इसमें ब्याज दर 11 परसेंट से शुरू होती है
  • प्रोसेसिंग fee 1% से शुरू होती है
  • और भी छोटे मोटे चार्जेस लग सकते है

डॉक्यूमेंट क्या लगेगा इस P2P Platform से लोन में

  • दोस्तों ग्रुप सैलरी है तो आपको आधार कार्ड पैन कार्ड के साथ-साथ सैलरी स्लिप भी देनी पड़ेगी यहां पर अपलोड करना पड़ेगा
  • वहीं पर अगर आप सेल्फ एंपलॉयर है या खुद का कोई बिजनेस करते हैं तो आपको आधार कार्ड पैन कार्ड और बैंक स्टेटमेंट की जरूरत पड़ेगी

Liquiloans Apply कैसे करें?

  • ऊपर दिए गए वेबसाइट पे click या सर्च करके आप वेबसाइट में पहुंच जायेंगे
  • वहा borrower के ऑप्शन में क्लिक करना है
  • उसके बाद आपको कुछ steps complete करना होगा
  • उसके बाद आपको approval आएगा
  • उसके बाद आपको Esign डॉक्यूमेंट करना होगा
  • इस तरह से आप लोग लोन अप्लाई कर सकते है
newly launched Loan
Instant Personal Loan | Quick Approval | 100% Paperless
Use the Manappuram Finance Limited’s MAMoney, loans App to get instant personal loans starting from ₹5,000 up to ₹2,00,000 in just a few minutes! Our Annual Interest rates (APR) vary from 12% to 36%* & you can choose from a wide range of flexible EMI repayment plans starting from 3 months & going up to 60 Months.

Highlights
→Finance Amount: Min: ₹10,000; Max: ₹3,00,000
→Tenure: 6 to 36 months
→Interest Rate: Between 18% to 36% per annum
→Processing Fee: 3% to 5%


👉 Quick Personal Loan App

● Get a personal loan online ranging from ₹2,000 to ₹5,00,000
● Attractive APR ranging from 21% – 30% makes repayment easy
● Risk-based interest rate on the personal loan, based on your profile
● Apply for a personal loan through a 100% online process with minimal documentation to ensure quick disbursal within 24 hours
● Flexibility to choose the loan tenure from up to 24 months
● Get rewarded with a higher loan on successful repayment
● Loan processing fees from 2.5% to 4%
● Minimum & Maximum period of repayment is 6 to 24 months

1. Cash Loan
Get an Instant Cash Loan of up to ₹20 Lakh with the Navi Personal Loan app. Our APR varies from 9.9% to 45%* & you can choose a wide range of repayment options starting from 3 to 72 months

NIRA partners with various RBI regulated NBFCs/Banks to facilitate loans for salaried people.

(APR): 24%, Maximum Annual Percentage Rate: 36% (reducing balance)
Minimum repayment period: 91 days, Maximum repayment period: 24 months


You can avail of personal loans starting from Rs.10,000 to Rs.50,000 and get the money disbursed to your bank account instantly.

Features of Lenditt – Your Financial Buddy:
• Minimum Processing Charges: From Rs.500
• Repayment Period: 61 Days to 90 Days
• Maximum Annual Percentage Rate (APR): Varies from 54.75% to 72% based on the Risk Profile of the Customer
• 100% Paperless loan application
• No foreclosure Charges
• No Guarantors or collaterals
• Loan repayment through various payment methods
• Sanction Letter in 30 minutes
• No Subscription or upfront Fees
• Quick TAT

Personal Loan Application Steps:
• Install Lenditt – Your financial Buddy Loan Application
• Signup by filling in basi

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