Features and Benefits of Personal Loan


Flexible Loan Amount

Choose any loan amount starting from Rs. 5,000 up to Rs. 5 lakhs


24 Hour Disbursal

Your loan will be credited within a day after your loan application has been approved


Collateral Free Loans

To apply for a personal loan through Money View, you don’t have to pledge any asset or arrange for a guarantor


Affordable Interest Rates

We understand how important interest rates are as they determine the EMI amount to be paid. At Money View, the interest rate starts at just 1.33% per month


Completely Paperless

The entire process from application to disbursal is quick and hassle-free


Flexible Repayment Term

Borrowers can enjoy flexible repayment tenures of up to 60 months


Loans on Low Credit Score

Getting a loan with a minimum CIBIL score of 600 or Experian score of 650 is a must.


Quick Eligibility Check

Your eligibility check from Money View website or download the app takes only 2 minutes saving energy and time.

Is getting a personal loan without your PAN card even possible? Your PAN card is an important ID proof and is a mandatory document for most loans. But at moneyview, we do things a little differently. This is why you can still avail an instant loan without PAN card from moneyview. 

Personal Loan without PAN Card

While a PAN card is a document most lenders require, we, at moneyview, provide loans even if you are unable to provide this.

All you need are other officially valid documents or alternate KYC documents such as your Aadhaar card, Voter ID, Passport, etc.  Read on to know how to apply, eligibility requirements, and other documents needed.

Now that you know how easy it is to apply for an instant loan without a PAN card, you need to check if you fulfill the eligibility criteria given below -

For Salaried Individuals

  • Applicants must be between 21 years and 57 years
  • Income must be credited directly to the applicants’ bank account
  • Minimum in-hand Income and credit score requirement is as follows-
Income and Credit Score Eligibility Criteria*
Salaried Individuals Minimum In-Hand Income Area of Residence CIBIL Credit Score Requirement
Rs 13,500 Any CIBIL Score of 600 /Experian Score of 650 and above
Rs 20,000 Mumbai/Thane or the NCR region (Delhi, Noida, Gurgaon, Ghaziabad, Faridabad, etc.) New to Credit or CIBIL Score of 600 /Experian Score of 650 and above
Rs 15,000 Metro City other than Mumbai and NCR CIBIL Score of 600 /Experian Score of 650 and above
Self-Employed Individuals Rs 15,000 Any CIBIL Score of 600 /Experian Score of 650 and above

For Self-Employed Individuals

  • Applicants must have a minimum In-hand income of Rs. 15,000 per month
  • Income must be directly credited to the applicants’ bank account
  • A minimum CIBIL score of 600 or more or Experian score 650 or more
  • Applicants must be between the ages of 21 years and 57 years

We understand that not everyone will be able to submit a PAN card as ID proof, however at Money View, we offer other alternatives as given below -

Identity Proof Address Proof Income Proof
PAN Card - This is the primary ID proof required. However, if it is rejected due to image quality issues or other reasons, any 1 of the officially valid documents given below will suffice)
  • Aadhaar Card
  • Valid Indian Passport
  • Valid Voter ID
  • Valid Driver’s License
Any 1 of the following -
  • Aadhaar Card
  • Valid Indian Passport
  • Valid Voter ID
  • Valid Driver’s License
  • Utility Bills (Electricity, Water, Gas) dated within the last 60 days
Salaried Applicants - Last 3 months’ bank statements of your salary account in PDF format showing salary credits
Self-Employed Applicants - Last 3 months’ bank statements in PDF format if you are self-employed

However, if you are able to furnish your PAN card, it will be accepted as an officially valid document (OVD) for proof of identity.

As mentioned previously, we focus on ensuring affordable loans for all our customers. Take a look at our fees and charges below -

Fees and Charges Amount Chargeable
Interest Rate Starts from 1.33% per month
Loan Processing Charges Varies from 2% to 8% of the approved loan amount. The processing fee is deducted upfront from the approved loan.
Interest on Overdue EMIs 2% per month on the overdue EMI/Principal loan amount.
Cheque Bounce Rs.500/- each time.
Loan Cancellation
  • No additional/hidden charges levied.
  • Processing fees will also be retained.

How to Apply for Online Loan without PAN Card


Check Eligibility

Visit the Money View website or loan app. Provide the required details and we will let you know your eligibility in 2 minutes.


Select Loan Tenure

Based on the options provided, select the loan amount and repayment term of your choice


Upload Documents

Easily upload all of the necessary documents online for verification. You will have to provide proof of your identity, address, and proof of income. Even if you do not have your PAN card, other valid KYC documents will be accepted


Amount Disbursed

Post verification and submission of loan agreement, the loan amount will be credited to your account within 24 hours



While your PAN card is an important proof of your identity, there may be circumstances wherein you are unable to provide the same. Therefore, at Money View, alternate documentation options are provided. So if you are typing ‘loan app without PAN card’ trying to find a personal loan that does not require a PAN card, then visit the Money View website or download the app to apply now!

Loan without Pan Card - Related FAQs

The good news about personal loans is that it can be used for a variety of reasons such as -

  • Emergency Expenses
  • Debt Consolidation
  • To Repay Credit Card Dues
  • Business Ventures
  • Home Remodeling
  • Dream Vacations
  • Fund Education
  • Buy a Gadget
  • Down Payment for other Loans
  • Servicing or Modifying your vehicle

Yes, you can. At Money View, we use a unique algorithm to determine our applicants’ creditworthiness. Therefore all those with Experian scores above 650 can avail personal loans from us.

Yes, you can. While your PAN card is considered to be primary ID proof, if for any reason you are unable to submit this, you can provide your Aadhaar card.


Was this information useful?

300 characters allowed (alphanumeric and special characters such as comma, full stop, @, ", &)

Thank you. Your feedback is important to us.