Instant Personal Loan Online | Credit Card Apply | BNPL
Get Loan Without Documents in 2 Minutes. Compare 50+ Banks & NBFCs.
Apply for instant personal loan without CIBIL check, business loan for small shop, credit card with instant approval, and BNPL pay later. Check loan eligibility free. Trusted by 1 Crore+ Indians. Interest rates from 10.5% p.a.
1 Cr+
Happy Users
50+
Bank Partners
10.5%
Starting Rate
2 Min
Approval Time
50L+
Max Loan Amount
2 Min
Instant Approval
10.5%
Interest Rate
1Cr+
Happy Users
Limited Offer
0% Processing
Instant Loan App - Personal Loan Online Without Documents
Apply for instant personal loan without CIBIL check, business loan for small shop owners, MSME loan online, and startup loan without collateral. Get fast approval with lowest interest rates from India's top banks and NBFCs. Same day loan disbursal guaranteed.
Personal Loan
Instant personal loan without CIBIL check. Get up to Rs 50 Lakhs with minimal documentation and same day disbursal.
- Interest from 10.5% p.a.
- No collateral required
- 2-minute approval
- Loan without salary slip
Business Loan
Best business loan for small shop owners and MSMEs. Get working capital loan without collateral.
- Up to Rs 2 Crore
- Flexible EMI options
- Quick 24hr approval
- No guarantor needed
MSME Loan
MSME loan online apply with instant approval. Government Mudra loan and CGTMSE scheme available.
- Mudra loan eligible
- Low interest rates
- Easy documentation
- Govt subsidy benefits
Startup Loan
Startup loan without collateral for first-time entrepreneurs. Startup India scheme benefits available.
- No guarantor needed
- 12-month moratorium
- Flexible repayment
- Startup India benefits
More Loan Types Available:
Best Credit Cards in India 2025 - Apply Online with Instant Approval
Compare and apply for lifetime free credit cards, cashback credit cards, travel credit cards, and fuel credit cards with instant approval from HDFC, ICICI, Axis, SBI, Kotak, and more. Get welcome bonus up to Rs 5000.
Cashback Credit Cards
Best cashback credit card in India 2025. Get up to 5% cashback on all purchases with zero annual fee.
Travel Credit Cards
Best travel credit card with free airport lounge access, air miles rewards, and travel insurance.
Fuel Credit Cards
Best fuel credit card with surcharge waiver. Save up to Rs 3500/month on petrol and diesel.
Shopping Cards
Amazon, Flipkart rewards
Student Cards
No income proof needed
Business Cards
High credit limit
Premium Cards
Exclusive privileges
BuyNswipe® marketplace
Explore 60+ partner finance offers.
Compare available benefits in one place and follow the direct partner link when you are ready to apply.
Find the right credit card for your everyday.
Compare available card and finance offers, then apply directly through BuyNswipe®'s partner links.
Offers are supplied by external partners. Fees, eligibility, rewards, and approval terms may change—confirm details on the partner page before applying.
Showing 6 of 63 offers
View all offersEntry level card offering benefits across Shopping, Dining and Entertainment
Annual fee
Lifetime FREE
Rewards
4 Edge points per ₹200
- Buy 1 Get 1 Movie Tickets
- ₹2,880 annual Swiggy savings
- Lounge access
- SonyLiv Premium
Best Credit Card for Flipkart Shopping with accelerated cashback
Annual fee
₹500 (waived on ₹3.5L+ spend)
Rewards
Up to 7.5%
- 7.5% Flipkart Myntra
- 5% Cleartrip
- 4% Swiggy/Uber
- ₹250 welcome voucher
Annual fee
₹999 (waived on ₹2L+ spend)
Rewards
Up to 5%
- 5% online cashback
- 1% offline cashback
- Fuel surcharge waiver
- Auto-credited cashback
Annual fee
Lifetime FREE
Rewards
Rewards on spends
- No annual charges
- Basic rewards
- Easy approval
Annual fee
Zero annual fees
Rewards
Up to 5%
- 5% cashback on online
- 1% on other spends
- Easy approval
Annual fee
₹1,500 annual
Rewards
Up to 12,500 points
- 12,500 reward points
- 8 lounge accesses yearly
- 15% flight discounts
- 25% dining discounts
Buy Now Pay Later (BNPL) - Shop Now Pay Later India
Get instant BNPL credit line for online shopping. Pay later in easy EMIs with 0% interest. Works on Amazon, Flipkart, Myntra, and 10,000+ partner stores. No credit card required.
BNPL - Pay Later
0% Interest EMI Available
- 0% interest for 3 months
- No cost EMI conversion
- 10,000+ partner merchants
- Instant credit approval
- Up to Rs 2 Lakh limit
UPI Credit Line
Credit on UPI Payments
- Pay via UPI using credit
- Up to Rs 5 Lakh limit
- 45 days interest-free
- Works with GPay, PhonePe
- RBI approved credit line
Zero Balance Bank Account - Open Online Free
Open zero balance savings account, salary account, or current account online with instant approval from top banks. No minimum balance required. 100% digital and paperless.
Zero Balance Account
No minimum balance required
Salary Account
Special benefits for salaried
Current Account
For businesses and traders
Digital Savings
100% digital banking
Free Financial Tools - EMI Calculator, CIBIL Score Check & More
Check loan eligibility free, calculate EMI online, compare interest rates, and get your free CIBIL credit score instantly. Make informed financial decisions.
EMI Calculator
Calculate monthly EMI
Eligibility Check
Check loan eligibility
CIBIL Score
Check credit score free
Rate Comparison
Compare interest rates
Card Comparison
Compare credit cards
Smart AI Loan Matching - Get Best Loan Offers Instantly
Our AI-powered recommendation engine analyzes your profile to match you with the best loan offers and credit cards with highest approval probability. Compare 50+ banks in seconds.
AI Loan Matching
Personalized loan recommendations based on your income and credit profile
Risk Assessment
AI-based credit scoring and loan approval prediction
Instant Eligibility
Real-time eligibility check across 50+ lenders in 2 minutes
Best Rates
Compare and get lowest interest rates automatically
Frequently Asked Questions - Instant Loan & Credit Card
Get answers to common questions about instant loans, credit cards, BNPL, and more.
How to get instant personal loan without CIBIL check?
BuyNswipe® Credit partners with NBFCs that offer loans based on alternative credit scoring using bank statements, UPI transactions, and income proof. You can get instant loans from Rs 10,000 to Rs 5 Lakhs even with low or no CIBIL score. Simply apply online, upload documents, and get approval in 2 minutes.
Which is the best instant loan app in India 2025?
BuyNswipe® Credit is one of the best instant loan apps in India, offering loans from 50+ RBI-regulated banks and NBFCs with interest rates starting at 10.5% p.a. Features include 2-minute approval, instant disbursal, zero paperwork, and loan amounts up to Rs 50 Lakhs. Trusted by 1 Crore+ Indians.
How to apply for credit card online with instant approval?
On BuyNswipe® Credit, you can compare and apply for credit cards from top banks like HDFC, ICICI, Axis, SBI, and Kotak. Simply enter your details, check eligibility instantly, and get approval within 2 minutes. Lifetime free credit cards and cards for low income individuals also available.
What is BNPL (Buy Now Pay Later) and how does it work?
BNPL (Buy Now Pay Later) allows you to purchase products and pay later in easy EMIs or full amount after a grace period. BuyNswipe® Credit offers BNPL with 0% interest for up to 3 months, instant approval, and acceptance at 10,000+ partner merchants including Amazon, Flipkart, and Myntra.
How to check CIBIL score for free online?
Check your CIBIL credit score for free on BuyNswipe® Credit. Simply enter your PAN card number and mobile number to get your credit score instantly. We also provide personalized tips to improve your score and loan recommendations based on your credit profile.
What documents are required for instant personal loan?
For instant personal loan on BuyNswipe® Credit, you need: Aadhaar card, PAN card, last 3 months bank statement, and salary slips (for salaried). Self-employed individuals need ITR or GST returns. Some NBFCs offer loans without salary slip using UPI transaction history.
How to get business loan for small shop without collateral?
BuyNswipe® Credit offers unsecured business loans for small shop owners and MSMEs up to Rs 2 Crore without collateral. Requirements include 2+ years business vintage, GST registration, and last 12 months bank statement. Mudra loan and CGTMSE scheme benefits also available.
What is UPI credit line and how to apply?
UPI credit line is an RBI-approved feature that allows you to make UPI payments using credit instead of your bank balance. Get up to Rs 5 Lakh limit with 45 days interest-free period. Works with Google Pay, PhonePe, and other UPI apps. Apply on BuyNswipe® Credit with instant approval.
Why Trust BuyNswipe® Credit?
Secure, RBI-compliant, and trusted by millions of Indians
RBI Regulated
256-bit SSL
50+ Bank Partners
ISO 27001
1Cr+ Users
DPIIT Recognized
Trusted Banking and NBFC Partners
Ready to Get Instant Loan or Credit Card?
Apply now and get instant approval in 2 minutes. Compare rates from 50+ banks, check eligibility free, and get the best financial products tailored for you.
About BuyNswipe® Technology
BuyNswipe® Credit is a product of BuyNswipe® Technology Pvt. Ltd., a DPIIT-recognized fintech startup incorporated in 2017. We are building India's most trusted AI-driven digital credit marketplace for instant loans, credit cards, BNPL, and smart financial tools.
Check Loan Eligibility Free
Enter your details to check loan eligibility and get personalized offers instantly.