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AshvaLifestyle1% Forex₹2,999
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FIRST PrivateInvite Only
0% Forex & Travel
- Best for travellers
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MayuraZero ForexMetal₹5,999
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Ashva1% ForexMetal₹2,999
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FIRST WOW!Zero ForexTravelLifetime Free
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FIRST SWYPTravel OffersEMI₹499
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FIRST Select1.99% ForexLifestyleLifetime Free
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FIRST Wealth1.5% ForexLifestyleLifetime Free
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Club VistaraTravelLifestyle₹4,999
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FIRST Classic10X RewardsShoppingNever Expiring Rewards
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FIRST Select10X RewardsLifestyle1.99% Forex
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AshvaLifestyleMetal₹2,999
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FIRST ClassicNever Expiring RewardsShoppingLifetime Free
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FIRST Power+FuelUPI₹499
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FIRST DigitalVirtualUPI₹199
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FIRST PowerRewardsUPI₹199
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- Express and Flaunt
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AshvaMetal1% Forex₹2,999
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FIRST SWYPEMIOfferMAX₹499
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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Get Personal Loan Approvals Instantly
Secure an instant cash loan online, instantly.
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Personal Loan EMI Calculator
Loan amount
₹100K
₹10L
Loan term in months
Repay anytime with 0 Foreclosure charges!
9 Months
60 Months
Choose the Interest Rate
Lowest interest rate unlocked!
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9.99%
38 %
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
Instant Cash Loans
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 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 ₹10 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.
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.
Benefits of an Instant Personal 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.
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.
Large Loan Amounts of up to ₹10 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 to 60 months, aligning EMIs with your budget and planning.
Why Choose an Instant Cash Loan from IDFC FIRST Bank?
Thinking of applying for an instant cash loan? Here’s why FIRSTmoney is the right choice:
• Receive up to ₹10 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 an Instant Cash Loan Be Used For?
An instant cash loan helps you be financially prepared for the 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 Loans Eligibility
Eligibility criteria for Instant Cash Loans
To apply for an instant loan such as FIRSTmoney, ensure that you meet the following eligibility criteria:
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How to Apply for an Instant Cash Loan
Step 1
Start by scanning the QR code or clicking loan from your smartphone
Step 2
Register using your mobile number and confirm basic/personal details to check your eligibility
Step 3
Choose your loan preferences, including the tenure and repayment terms
Step 4
Link your bank account where you wish the funds to be disbursed
Step 5
Complete the video KYC verification process with your physical PAN card
Once done, access your credit limit, and opt for any amount you wish to withdraw.
Our App Ratings
1.74 million+
Happy users
4.9
Play Store
4.8
App Store
Instant Cash Loan Interest Rate and Charges
FIRSTmoney offers complete transparency when it comes to charges and fee. To explore the charges associated with the personal loan
Frequently Asked Questions
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. Click here to get started.
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 21-60 years of age with a stable income and a good credit score of 710 and above. Both salaried and self-employed individuals can apply.
How can I pay for an instant cash loan?
FIRSTmoney allows you to repay the loan through easy monthly instalments (EMIs) via your IDFC FIRST Bank account or other digital banking methods. You can close your loan anytime without foreclosure charges.
What are the advantages of an instant cash loan?
With FIRSTmoney, you get flexible repayment tenures, greater loan flexibility, competitive interest rates, as well as zero foreclosure charges. The 100% digital application process ensures you receive the loan swiftly without any paperwork.
How do I get an urgent cash loan?
For urgent cash, FIRSTmoney is a fast and reliable solution. Apply online and get an instant cash loan offer in 5 minutes.You can withdraw and get the amount credited to your bank account for any emergency or planned expense.
What factors impact instant cash loan interest rates?
Instant cash loan interest rates depend on factors like your credit score, income, employment stability, and the lender's policies. A higher CIBIL score may help secure lower rates.
How can I calculate the EMIs for my instant cash loan?
You can use the personal loan EMI calculator offered by IDFC FIRST Bank to precisely calculate your EMIs. The tool is free to use, and no expertise is required to determine the EMI. Simply enter your loan amount, applicable interest rate, and tenure. The calculator will display the EMI amount in real-time along with the amortisation schedule.
What is EMI of a Instant Cash Loan?
To calculate the EMI for a Instant Cash Loan, you can use a personal loan EMI calculator.
What is the processing fee on an instant cash loan?
For instant cash loans, IDFC FIRST Bank applies personal loan processing fees starting from 2%, with quick and easy loan disbursal.
What is the interest rate for an instant cash loan at IDFC FIRST Bank?
The interest rate for an instant cash loan at IDFC FIRST Bank starts at 9.99% per annum. This rate may vary based on your credit profile and other factors.
How much can I borrow with an instant cash loan?
You can apply for an instant cash loan of up to ₹10 lakh through IDFC FIRST Bank’s FIRSTmoney service, depending on your eligibility.
What is the repayment tenure for an instant cash loan?
The repayment tenure for an instant cash loan can range from 9 to 60 months, allowing you to choose a plan that fits your financial situation.
Get FIRSTmoney Smart Personal Loan of Different Amounts
Different Types of Personal Loan for you
Home Improvement Loan
Occasionally, small repairs or home overhauls can't be put off. With FIRSTmoney's instant cash loan, you can fund needs such as painting, leak repairs, or purchasing vital furniture when you need to. 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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