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Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Zero Forex Markup Current Account
Maximise your savings and boost profitability with our Zero Forex Markup current accounts
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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Instant Cash Loan - Get Quick Approval & Instant Disbursal in 10 Mins
Secure an instant cash loan online.
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Personal Loan EMI Calculator
Your EMI will be
₹5,072/month*
Total Interest Payable
₹43,435
Total Amount Payable
₹2,43,435
Check your eligibility
Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply. **For select loan amounts
Why FIRSTmoney is the Smartest Way to Get an Instant Cash Loan
Financial needs can arise unexpectedly, whether it’s for medical emergencies, home renovation, or a sudden travel plan. During such times, having instant access to funds is essential. IDFC FIRST Bank's FIRSTmoney personal loan provides a seamless solution for your quick cash requirements with loans designed to meet your immediate needs. With an instant loan offer of up to ₹15 lakh and features like zero foreclosure charges and a completely digital process, FIRSTmoney offers immediate access to funds in a few minutes to provide quick cash with unmatched convenience and flexibility. You can apply for an instant cash loan to manage urgent financial needs without delays.
When it comes to instant cash requirements, personal loans are the go-to solution, offering quick access to money. With flexible borrowing options, competitive interest rates, and customer-oriented features, FIRSTmoney smart personal loan is one of the most viable solutions for all your urgent financial needs.
What Are the Benefits of an Instant Cash Loan?
Convenient Online Application
Experience a paperwork-free journey with minimal online documentation and Aadhaar-PAN-based authentication, so you can apply anywhere, at any time, without having to go to a branch. This makes it easier to apply for instant cash loan anytime without visiting a branch.
Zero Foreclosure Fee
Wish to pre-close your loan? At IDFC FIRST Bank, you can pre-close your instant cash loan at any time without having to pay any extra charges, providing you with full financial freedom.
Comprehensive Mobile Banking App
The IDFC FIRST Bank app allows you to check eligibility, apply, and get your loan disbursed in a few taps, making borrowing quicker and easier.
On-demand Access to Additional Credit
When you require additional funds, you can request more credit instantly through the app without having to apply again from scratch or waiting for lengthy approvals.
Quick Disbursals
Your instant cash loan is transferred to your bank account within a few hours of approval, so you never have to worry about running out of money when you need it most. You can apply for an instant cash loan and receive funds quickly when needed.
Large Loan Amounts of up to ₹15 lakh
If eligible, you can avail higher loan amounts, empowering you to tackle higher spends easily.
Choice of Flexible Repayments
Choose repayment tenures between 9 and 60 months, aligning EMIs with your budget and planning.
No collateral required
Get an unsecured personal loan without pledging your property or other assets as security, making borrowing simpler and more convenient.
Why Choose IDFC FIRST Bank for Your Instant Cash Loan?
Thinking of applying for an instant cash loan? Here’s why FIRSTmoney is the right choice:
• Receive up to ₹15 lakh in your account within hours of approval.
• Enjoy the freedom to pre-close your loan anytime at zero cost.
• Complete your application 100% digitally with minimal documents.
• Request additional funds instantly without going through fresh paperwork.
• Enjoy low-interest rate personal loans starting at 9.99% p.a., making EMIs affordable.
What Can You Use an Instant Cash Loan For?
An instant cash loan helps you be financially prepared for sudden needs like:
• Urgent medical expenses, treatments, or hospitalisation without any delay.
• Unexpected travel bookings, such as tickets and accommodation.
• Immediate home repairs, replacements, or electricity bills.
• Last-minute wedding costs like décor, photography, or vendor payments.
• Tuition fees, course admissions, or education charges.
• Festive shopping, family events, or big-ticket purchases.
Instant Cash Loan EMI Calculator: Amount-wise & Tenure-wise Breakdown
Check Your Approximate EMI for an Instant Cash Loan
Before you hit apply, it's worth getting a quick sense of what your EMI might be.
| Loan Amount | Tenure | Interest Rate | Processing Fees | Approx EMI |
| 1 Lakh | 24 Months | 9.99% p.a. | 0% to 3.5% | ₹ 4,614 |
| 2 Lakh | ₹ 9,228 | |||
| 3 Lakh | ₹ 13,842 | |||
| 4 Lakh | ₹ 18,456 | |||
| 5 Lakh | ₹ 23,070 | |||
| 1 Lakh | 36 Months | ₹ 3,226 | ||
| 2 Lakh | ₹ 6,452 | |||
| 3 Lakh | ₹ 9,679 | |||
| 4 Lakh | ₹ 12,905 | |||
| 5 Lakh | ₹ 16,131 | |||
| 1 Lakh | 48 Months | ₹ 2,536 | ||
| 2 Lakh | ₹ 5,072 | |||
| 3 Lakh | ₹ 7,607 | |||
| 4 Lakh | ₹ 10,143 | |||
| 5 Lakh | ₹ 12,679 | |||
| 1 Lakh | 60 Months | ₹ 2,124 | ||
| 2 Lakh | ₹ 4,248 | |||
| 3 Lakh | ₹ 6,373 | |||
| 4 Lakh | ₹ 8,497 | |||
| 5 Lakh | ₹ 10,621 |
Who Can Apply for an Instant Cash Loan? Eligibility & Docs
Personal Loan Eligibility
You must meet the following criteria for a personal loan from IDFC FIRST Bank -
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Personal Loan Documents Required
No uploads are required during the process. Keep ready –
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How to Apply for an Instant Cash Loan Online in Minutes
Step 1
Click on ‘Apply Now’
Step 2
Register using your basic details
Step 3
Choose your loan preferences including amount and EMI plan
Step 4
Link your bank account where you want to receive the funds
Step 5
Complete video KYC by showing your PAN card
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Instant Cash Loan - Interest Rates & Charges Explained
Instant Cash Loan - Interest Rates & Charges Explained
Low Interest Rate
Interest rate starts from 9.99% p.a., calculated on a reducing balance basis.
Processing Fee
Processing fees 0% to 3.5% of loan amount (incl. GST) (0 processing fee is available on select loan amounts)
[View fees & charges]
Flexible Loan Tenure
Repayment from 9 to 60 months
Do’s and Don’ts about Instant Cash Loan
Do's
- Check loan details carefully before applying
- Choose EMI on the basis of your income level
- Maintain discipline in repayments
- Verify eligibility before application
- Apply online for faster loan access
Don’ts
- Do not judge loan affordability by EMI alone
- Avoid ignoring your credit score
- Do not accumulate a lot of instant loan dues
- Avoid incomplete or incorrect details
- Do not borrow without a repayment plan
Things to know about Instant Cash Loan
Eligibility Criteria
Applicants need to have a stable income, a minimum of ₹10,000 as salary, and a CIBIL score of 710 or above for FIRSTmoney personal loan eligibility.
Processing fees & charges
Loan costs include interest and applicable charges. Understand the total cost better with transparency from FIRSTmoney.
Interest rates
EMI value and repayment ability are directly impacted by Interest rates. FIRSTmoney offers competitive rates starting from 9.99% p.a.
Easy loan comparison
Comparing options helps evaluate loan features effectively. FIRSTmoney provides clear information for instant comparison and decision-making.
Better financial planning
Flexible tenure up to 60 months supports structured repayment and helps manage finances effectively.
Tips to smartly use your Instant Cash Loan
Tip 1
Evaluate repayment ability before applying
Ensure your income is sufficient to cover EMIs along with your regular monthly expenses.
Tip 2
Avoid discretionary spending
Use the loan only for necessary expenses in order to prevent additional financial pressure.
Tip 3
Track your EMIs regularly
Monitoring payments can help you stay organised and avoid late fees or penalties.
FAQs on Instant Cash Loans
What is an instant cash loan?
An instant cash loan is a short-term loan designed to meet immediate financial needs. With IDFC FIRST Bank's FIRSTmoney, you can access fast cash for emergencies, planned expenses, or urgent requirements. The entire process is digital, and funds can be disbursed within minutes, offering a quick solution when you need it the most.
How to apply for an instant cash loan?
You can apply for an instant cash loan online through your smartphone. Start by scanning the QR Code and fill in the online application form. With FIRSTmoney, the process is seamless, and the loan amount is disbursed swiftly once approved.
How can I apply for an instant cash loan through IDFC FIRST Bank?
Applying for an instant cash loan through IDFC FIRST Bank is easy. Simply log in to IDFC FIRST Bank’s award-winning app, or head to the bank’s website. Select the FIRSTmoney option, provide your details, choose your loan amount, and submit the application. The loan approval and disbursal will take place in no time.
Am I eligible to apply for an instant cash loan?
To be eligible for a FIRSTmoney loan, you need to be an Indian citizen between 21 and 60 years of age with a stable income and a good credit score of 710 and above. Both salaried and self-employed individuals can apply.
Choose your personal loan amount with FIRSTmoney
Different Types of Personal Loan for you
Home Improvement Loan
Occasionally, small repairs or home overhauls can't be put off. By applying for an instant cash loan, you can fund specific needs, such as painting, leak repairs, or essential furniture purchases. The digital-first application guarantees quick credit, with flexible repayment tenures and competitive rates, allowing you to repay conveniently without depleting your savings.
Instant Cash Loan
Life is full of surprises, be it sudden repairs, family functions, or unplanned buys. FIRSTmoney's instant cash loan is designed to provide you instant liquidity whenever you need it the most. With a 100% digital process, speedy approvals, and money transferred directly into your account, you can face unexpected expenses without any worry. The transparent charges, flexible repayments, and zero foreclosure charges make this loan a trusted solution for immediate financial requirements.
Emergency Personal Loan
Medical procedures, last-minute trips, or essential bill payments can cause financial distress. FIRSTmoney's instant cash loan ensures that you have a financial safety net during such emergencies. With same-day approvals and immediate disbursals, you receive the money you require at the right moment. The competitive interest rates and easy EMI options further make repayment convenient and hassle-free.
Travel Personal Loan
Urgent travel plans usually have spontaneous expenses. Last-minute flight tickets, accommodation, or other arrangements, FIRSTmoney's instant cash loan offers you the flexibility to move swiftly. The whole process is online, approvals are rapid, and money is directly credited to your account within hours, so your travel does not get derailed by any monetary hurdles.
Wedding Personal Loan
Weddings are milestone life events that tend to come with significant expenses. From advances to vendors to the need for last-minute décor alterations, FIRSTmoney's instant cash loan helps keep your wedding arrangements running smoothly. With a quick online application process and speedy fund disbursal, you never suffer any delay, while repayment tenures as long as 60 months ensure the cost is spread comfortably.
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