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NIRA FINANCE Personal Loan

Last Updated 30th Jul 2021

Nira Loan is an instant loan that you can avail through the Nira app within 24 hours. These loans are easy loans and do not require any documents and credit history. You can avail personal loan from Nira at minimum rates starting at 24% for a maximum tenure of 12 Months.

Nira Interest Rate 24% to 30%
Processing Fee Flat Rs. 500
Loan Tenure 3 Months - 12 Months
Loan Amount ₹ 5,000 - ₹ 1,00,000
Age 21 - 55 years
Apply for Personal Loan @ 10.25%* Get upto ₹ 1,000* Cashback


NIRA is a mobile and web-based platform designed to provide instant personal loans with minimal documentation digitally. On NIRA app, you can get the credit approved in minutes. Along with instant credit, the application also provides 24*7 customer care services 365 days a year and offers various products, like cash loans, salary advances, and instant loans making it a popular choice for instant personal loan borrowers. An easy solution to a loan for everyone, getting credit through the NIRA, has the following advantages:

    NIRA Personal Loan App: Important Details

    • NIRA Personal Loan Interest Rate starts from 24%.
    • NIRA charges a processing fee of Flat Rs. 500 on personal loan.
    • Loan tenure of Personal Loan NIRA ranges from 3 Months to 12 Months.
    • Get a personal loan of ₹ 5,000 to ₹ 1,00,000 from NIRA.

    NIRA Interest Rate

    NIRA loan interest rate starts from 24% on personal loan, which is decided based on the income, occupation and credit history of the customer.

    NIRA App Download

    • The application can be easily installed by downloading from the play store. To download the application enter your mobile number.
    • An OTP with the downloading link will then be sent to the number.
    • Users can easily install the application by clicking on the link sent on the mobile number.

    How does NIRA App work?

    The process of getting credit through NIRA is quick as the process is entirely online with no physical work. To get a loan through NIRA, you need to follow the following steps:

    • Create account: You need to create an account with Cashbean to get credit. Once you download the app, you will be required to give some permissions and basic information.
    • Checking eligibility: Based on the basic information provided by you, the app will show your personal loan eligibility, with eligible interest rate and tenure.
    • Filling details: After successfully checking the eligibility criterion, you will need to fill in all the necessary details to get the credit related to existing loans, occupation and employment details.
    • Providing bank details: You need to submit your bank accounts details for the disbursement of credit to your account.
    • Getting a loan: The amount of credit will then be directly transferred to your bank accounts.

    Documents Required for NIRA Personal Loan

    The disbursement of the loan is fast and requires a minimum of documents as compared to other loans. These are the documents that you need to submit for the loan.

    • Photo Identity proof: PAN Card
    • Permanent address proof: Aadhar card / Voter card / Utility bill / Driving license or Passport
    • Your selfie
    • Latest salary slips

    NIRA Customer Care Number

    • NIRA has a dedicated customer care support line. If you are not satisfied with the services provided by the application, you can contact the NIRA helpline number at
    • You can also raise your concern or complaint on customer service email .

    Compare Personal Loan Apps Interest Rates

    AppInterest Rates
    Cashbean 33%
    Cashe 12%
    Early Salary 24%
    Kreditbee 12.24%
    Loantap 12%
    MoneyTap 13%
    NIRA 24%
    Paysense 15.96%


    How do I contact NIRA?

    If you have any concerns regarding NIRA app services, you can contact a dedicated customer care number . You can also write on their official email id at .

    How do I cancel a NIRA loan?

    You cannot cancel a loan once you have availed personal loan from the NIRA application.

    Is NIRA under RBI?

    Yes, NIRA is a top RBI registered App that provides an instant personal loan. Other RBI registered apps are Cashbean, Cashe, Early Salary, Kreditbee, Loantap, MoneyTap, Paysense.

    What happens if I don't pay my NIRA loan?

    If you fail to pay your NIRA loan, you will be sent an intimation to repay your loan. However, failing to do so will make the lender write off your account along with having an impact on your credit score.

    Does NIRA affect credit score?

    If you avail personal loan from NIRA, you do not require any credit history; however, it will hurt your credit score if you fail to repay your EMI on time.

    What is the interest rate of NIRA?

    The NIRA app provides instant loans via a hassle-free process. NIRA offers affordable and convenient personal loans to salaried employees at an attractive rate of 24%.

    What is Eligibility Criteria of NIRA?

    To apply for credit from the application, you need to meet the minimal documents and eligibility criteria. Unlike any other loan, it does not require any credit history to avail of the loan.

    • Age of the borrower: If you fall in the age bracket of 21 to 55 years, you can get the credit.
    • Loan amount: It provides credit in the range of ₹ 5,000 to ₹ 1,00,000.
    • Tenure: The credit is provided for a tenure of 3 Months to 12 Months.
    • Income: To avail credit from NIRA, you must have a regular income of ₹ 12,000.
    • Credit score: Getting credit from NIRA is easy as you don’t require any credit history to avail of the credit.

    How do I repay my NIRA loan?

    The credit taken through NIRA loan can be repaid through multiple modes like Debit card, UPI, Netbanking, and wallet.

    How do I get a loan from NIRA?

    The process of getting a loan through NIRA is easy, quick, and affordable. You need to follow these steps to get credit from NIRA.

    • Install the application from the play store.
    • Register yourself via mobile number.
    • Fill in necessary personal details and submit the KYC documents.
    • The application is reviewed online as soon as possible.
    • After reviewing of application, the agreement is signed online, and the loan amount is disbursed.

    Is NIRA a safe site?

    The data shared by NIRA is transferred to the lenders with the consent of borrowers over a secure connection. Hence, NIRA is a safe and reliable app to apply and get an instant personal loan.

    Does NIRA check the CIBIL score?

    No. Cashbean provides loans to everyone without any verification of credit history. This is because the loan amount disbursed via NIRA is up to ₹ 1,00,000, which is not a big amount in comparison to regular personal loans.

    How can I get a salary in advance?

    NIRA provides salary advances to working professionals for overcoming any financial constraint. It offers advances with a limit of ₹ 5,000 to ₹ 1,00,000 at zero credit history.

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