Simple Way to Apply and Get an Instant Personal Loan on the Same Day

An instant personal loan is usually preferred by people who need urgent money to cover their emergency needs. Emergencies such as paying utility bills, credit card bills, medical bills, tuition fee payment, etc., can’t wait and you require urgent money to clear the dues. This crisis time is when you can apply for an online instant personal loan that can be approved immediately. Find a lender who can approve your loan within a day or two rather than choosing a lender who will take 1 or 2 weeks to approve your loan.

Luckily, there are NBFCs who approve loans instantly or within 24 hours from the time you have applied. Research and find a top lender who can approve your loan in quick time and have a flexible repayment period so that you are in control of your payments. Make sure you can apply online as who would want to visit the physical location of the lender and apply for a loan waiting in the queue. So, choose your lender wisely.

How to Apply for An Instant Personal Loan Online?

Majority of the lenders have a simple online loan application form through which you can easily apply for an instant personal loan online.

Here is how you can do it!


1.     Provide your basic details such as your name, email address, contact number, PAN card details as they are the mandatory details requested by almost every lender. These details help in better communication with you about the progress of your loan application process.

2.     Create a strong password to keep your account secure.

3.     Create your security question properly. It should be easy for you to remember.

4.     Fill all the other mandatory details (they will be marked as *).


Usually, the second step has in-depth information that your lender requires.

1.     Fill the requested information such as type of residence or employment you belong to.

2.     Give your income details, make sure there are no discrepancies so that your application is approved instantly.

3.     Complete instant verification electronically if the lender has that option. Electronic verification will help the lender to verify your details quickly and your loan will be approved quickly.

4.     An alternative contact number field is compulsory. In case if you are not available, the lender will contact that number.


Upload the requested scanned copies of all your documents such as your address proof, a government authorized ID proof and 3 months bank statements.

And voila! You are done! If you meet the lender’s eligibility criteria, your loan will be approved immediately, and cash will be disbursed into your account on the same day, depending on the lender you choose. Now shock your landlord by paying your rent before the due date, clear all your pending dues, pay your child’s tuition fee and you can also plan a vacation if you have extra money.

How to Choose Your Personal Loan Lender?

  • Choose a lender who has a simple loan application form which is easy to fill with a minimum number of fields.
  • The entire loan application process should be completed online.
  • Choose lenders who will approve a loan with minimal documentation rather than making it tedious with so many documents to submit in order to approve your loan.
  • Make sure the lender approves your loan even if your salary is as low as INR 8000.
  • The lender should be able to provide a loan from as low as INR 4000.
  • The lender should approve your loan instantly or within a few hours.
  • The lender should be capable of disbursing your money into your account on the same day of your loan approval.
  • Choose a lender who gives you the flexibility to repay your loan. There are a few lenders who allow you to pay your loan anytime; either minimum amount or in full.
  • Choose a lender who does not levy any interest when there is no usage of funds. You will be paying interest only if you withdraw your money.
  • It is very much important that you choose a lender who does not levy any other hidden charges. Make sure you pay money only for those charges which are mentioned in your loan agreement such as processing fee.
  • Also, find a lender who does not levy any prepayment penalty for paying back your loan early before the end of tenure. Many lenders charge a huge sum of money for paying your loan early, hence avoid those lenders.

Overall, it is important that you choose reputable lenders like FlexSalary as they have a simple online instant personal loan application process with minimal documentation, flexible loan repayments, no prepayment penalty, and approves your loan on the same day of approval. Make a good decision for your financial freedom.

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