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Instant Loan up to ₹1,00,000
Small, short loans from ₹5,000 to ₹1,00,000 for 30 days to 365 days days. Apply with just Aadhaar & PAN and get the money straight into your bank account once approved.
- Just Aadhaar & PAN
- No salary slip to apply
- Low credit score? Apply anyway
- Money straight to your bank
Overview
An instant loan is a small, short-term loan for a sudden expense: a bill, a repair, a fee or a trip. You choose the amount and the number of days, see the full cost upfront and repay in one go on the due date — or earlier to pay less interest.
Why it works for you
Apply from your phone in about 2 minutes.
No salary slip or paper forms to start.
Pick the days that match your next income.
Money is sent to your own bank account.
Interest and repay date shown before you apply.
RBI-regulated lending partners, encrypted data.
How to get it
- Pick amount & days
Choose ₹5,000 to ₹1,00,000 for 30 days to 365 days days. You see the interest and the repay date at once.
- Verify your mobile
Enter the OTP we send by SMS. No app download needed.
- Share Aadhaar & PAN details
Basic details and online KYC with the RBI-regulated lending partner.
- Money to your bank
Accept the Key Fact Statement and the lender sends the money straight to your bank account.
Interest & charges
Interest is 0.5% to 1% per day on the amount you borrow (APR 182.5% – 365%), for the days you keep the money. The lender may also charge a processing fee and GST. Everything is shown in its Key Fact Statement before you accept. BrightDhan never charges you an advance fee. See rates & charges.
Ready when you are
About 2 minutes, 100% online.
Get instant loanFrequently asked questions
How much can I borrow?
₹5,000 to ₹1,00,000. The lender decides the final amount based on your profile.
How long can I keep the money?
30 days to 365 days days. You can repay earlier and pay interest only for the days used.
How fast will I get the money?
The online application takes a few minutes. Once the lender approves and you accept, it sends the money to your bank account. The exact time depends on the lender's checks.
Is approval guaranteed?
No. The RBI-regulated lending partner decides after its own checks (KYC, credit history, income). Applying is free.
Do I have to pay anything to apply?
No. BrightDhan never asks for an advance fee. If anyone asks you for money to approve a loan, do not pay and call us on +91 85957 02470.