icon_notification notification-animation 10

Want us to help you with anything?
Request a Call back

This field is required Only alphabetes are allowed
This field is required Only alphabetes are allowed
Please enter valid number
Please enter valid email
Please select product type
Please enter valid pincode

Thank you for your request.

Your reference number is CRM

Our executive will contact you shortly


2 mins Read | 1 Month Ago

How to get a fast cash personal loan without a credit check

How to get a fast cash personal loan without a credit check

How to get a fast cash personal loan without a credit check?

Personal Loans have become an essential means to get financial assistance in this fast-paced economy. Be it sudden medical emergencies, unavoidable home repairs or any other unforeseen expenses, these quick collateral-free loans can provide you with much-needed funds instantly. This is where Insta Personal Loans from ICICI Bank can help you out. In this blog post, we will discuss how to get a fast cash personal loan with no credit check through ICICI Bank's Insta Personal Loan facility. 

Is It Possible to Get a Personal Loan Without a Credit Check?

This can be quite a challenge, as most lenders will need to consider credit scores to determine a potential borrower's eligibility and ability to repay the loan they take. However, ICICI Bank offers certain types of Personal Loans without checking the borrower's credit history. If the individual has been a banking partner of ours in the past and has honoured all financial commitments towards us promptly, they may be eligible to avail a loan with us without any hassle.

If not, there are some other ways to get a Personal Loan without any credit checks:

1. Look for lenders that don't check credit

Some lenders/financial institutions offer Personal Loans without checking the borrower's credit history, even if they have no previous banking tie-up. However, be mindful of the fact that they may charge higher interest rates and fees. These lenders will look at the borrower's income and employment history to determine their eligibility. You must look for reviews of people who have taken such loans, see the lender's online reputation and read the terms and conditions carefully before applying.

2 Consider payday loans or title loans

Payday loans are short-term loans that do not require a credit check and are usually offered by non-bank lenders at high-interest rates and fees. These loans typically become due on the borrower's next payday. However, these loans do come with significant risks and the borrower may end up in an undesirable cycle of debt if they are not able to repay the loan on time.

3. Use collateral

If you have assets such as a car, house, or FDs, you can use them as a collateral to secure a Personal Loan. Any collateral will reduce the lender's risk, and they may well offer you a loan without checking your credit history. However, if you default on the loan, the lender is entitled to seize your collateral for recovering their losses.

What is an ICICI Bank Insta Personal Loan?

Insta Personal Loans from ICICI Bank are unsecured loans that can be availed online without the need for any physical documentation or credit checks. These loans are disbursed quickly and the entire process can be completed within seconds. The loan amount ranges from Rs 50,000 to Rs 25 lakh and the tenure can vary from 12 to 60 months.

How to avail a Personal Loan without a credit check?

ICICI Bank offers Personal Loans to pre-approved customers – individuals who have maintained a healthy banking relationship with us – without a credit check in next to no time.

However, if you are not a pre-approved customer, you can still apply for an ICICI Bank Insta Personal Loan by following these steps:

Step 1: Check your eligibility*

Before applying for an Insta Personal Loan, you need to check your eligibility. ICICI Bank has certain criteria that the customer needs to fulfill to be deemed eligible for the loan. These conditions include:

  • You should be an Indian citizen

  • You should be above 20 years of age

  • You should have a stipulated minimum monthly income if you are salaried and a similarly determined turnover if you are self-employed

  • You should have a minimum work experience of 2 years if you are salaried and 5 years if you are self-employed

  • You should have a good credit score and a clean credit history

Step 2: Apply for the loan online

Once you have checked your eligibility, you can easily apply for the loan online by visiting the ICICI Bank website or through our mobile app. If you are not a pre-approved customer, you will have to provide your personal and financial details, including your name, address, PAN card number, income details, bank account statements etc. You will also need to select the loan amount and tenure as per your requirement.

Step 3: Get instant approval

ICICI Bank Insta Personal Loans are approved immediately and require no documentation.

Step 4: Get the funds

Once your loan agreement is processed, the loan amount will be disbursed to your bank account instantaneously.


Getting a fast cash Personal Loan without a credit check is more than possible with ICICI Bank's Insta Personal Loans. However, Personal Loan conditions differ for existing banking customers and non-customers. Please remember, as someone who takes on debt, it is imperative that you borrow only what you need and how much you can pay without inviting financial duress over the repayment tenure. Also, repay the loan on time to avoid any penalties or additional charges. Finally, if you need urgent funds consider applying for an Insta Personal Loan from ICICI Bank.

Scroll to top