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Personal Loan without Salary Slip

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Why do lenders ask for salary proof for personal loan

Salary slips are required by lenders to verify your income. Most of the banks and Non-Banking Financial Companies (NBFCs) use these documents to determine your ability to repay the loan. Apart from salary slips, lenders also ask for ITR, Form 16 and bank statements to determine the repayment capacity.

Who requires a personal loan without a salary slip

  • Consultants and freelancers who have multiple projects or clients and have no fixed income.
  • Doctors, small business owners, lawyers and other self-employed professionals who do not receive formal salary slips.
  • Delivery agents, remote workers, drivers and other contractual workers paid on an hourly basis or per-task basis also don’t draw salary slips.

How to get a personal loan with no salary slip

  • If you are a business owner, you can get a personal loan without a salary slip based on your business proofs, audited balance sheet, P&L statement, etc.
  • Freelancers can submit client invoices or contracts.
  • Other alternative documents include ITR, bank statements, etc.

How can you improve the chances of your personal loan approval

Maintain or improve your credit score of 750 or above

The higher the credit score reflects your creditworthiness and financial discipline.

Apply with a co-applicant

Applying with a co-applicant with higher income and a strong credit score will reduce the risk for lenders and thereby improve your chances of loan approval.

Submit complete additional documents

Submit the latest bank statements, ITR, certified P&L statements, etc, as proof of financial stability.

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In case, your personal loan application is not approved

  • Applying for secured loan options i.e., gold loan or loan against your car
  • If you have a credit card, you can apply for a loan against your credit card. This is usually offered to those with a good credit history and a low credit utilisation ratio.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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All Your Needs

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FAQs

Income proof is important for the lender to determine your repayment ability and verification. It might be very difficult for you to get a personal loan without any income proof.

Most lenders accept client invoices, IT returns, bank statements, etc, as income proof for freelancers. Other factors include credit score, repayment history, et,c to determine your personal loan eligibility.

Lenders may offer you a personal loan of smaller amounts or at a higher interest rate due to increased credit risk for the lender.

Personal Loan Articles

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Importance of No Dues Certificate in Personal Loan Closure

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Personal Loan for First Time Borrowers: What Customers Must Know

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How I Saved Rs 22,000 on My Personal Loan through Prepayment

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How Have Personal Loans Advanced Over the Past few Years

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Factors To Consider While Selecting a Personal Loan Lender

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Instant Personal Loan Apps: Avoid These 5 Pitfalls - Article image

Instant Personal Loan Apps: Avoid These 5 Pitfalls

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Reasons for Delay in Personal Loan Processing

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APR vs Interest Rate in Personal Loans: What’s the Difference? - Article image

APR vs Interest Rate in Personal Loans: What’s the Difference?

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Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure - Article image

Tips to Choose an Ideal Personal Loan Tenure

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What our customers say

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

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Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

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Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

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Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

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Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

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Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

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Bilal ZaidiDec 9, 2025
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