Personal loans without a salary slip
Lenders we compare that check your income from bank statements or digitally, so you don't have to upload salary slips.
Related: Low CIBIL score · Loan apps with RBI status · Debt consolidation
7 lenders · eligibility last verified 2026-10-21 · how we compare
No salary slip? See offers matched to your profile
Check your loan offersVia our referral partner. It uses your PAN, credit score and income to suggest lenders likely to approve you. Approval isn't guaranteed. We may earn a commission. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.
Lenders compared
| Lender | Income proof asked | Interest rate | Processing fee | Amount | Apply |
|---|---|---|---|---|---|
| IDFC FIRST Bank | No documents to upload; Aadhaar and PAN, income checked digitally | From 9.99% a year | 0% to 3.5% of the loan amount + GST; the bank's pages don't agree on the exact fee, so check the Key Fact Statement | ₹50,000 to ₹15 lakh | Apply nowVia our referral partner. We may earn a commission. |
| InCred | Last 3 months' bank statements | 10% to 36% a year | Up to 5% of the loan amount (includes loan origination costs) + applicable taxes | ₹50,000 to ₹15 lakh | Apply nowVia our referral partner. We may earn a commission. |
| KreditBee | Bank statements, plus a salary slip, office ID or UAN check for employment | 12% to 27.5% a year | Up to 4.7% of the loan amount + GST | ₹3,000 to ₹10 lakh | Apply nowVia our referral partner. We may earn a commission. |
| lendingplate | Bank account statement | 12% to 36% a year | 1% to 5% of the loan amount + GST, deducted from the sanctioned amount (larger loans get lower fees) | ₹10,000 to ₹2.5 lakh | Apply nowVia our referral partner. We may earn a commission. |
| Moneyview | Bank statements showing your income credits; slips may be asked later | 14% to 36% a year | 2% to 8% of the approved loan amount, deducted from the loan at disbursal; Moneyview doesn't say whether GST is added | ₹5,000 to ₹10 lakh | Apply nowVia our referral partner. We may earn a commission. |
| Hero FinCorp | Income checked digitally from your bank data, with your consent | 17.9% to 30% a year | At least 2.5% of the loan amount + GST, deducted at disbursal; no maximum is published | ₹50,000 to ₹7 lakh | Apply nowVia our referral partner. We may earn a commission. |
| Ring (Pay with Ring) | Asked only for some larger loans: 6 months' bank statement via Account Aggregator or PDF | Up to 36% a year | Up to 7% of the loan amount + GST on loans from Si Creva; other partner lenders set their own fees | Up to ₹5 lakh | Apply nowVia our referral partner. We may earn a commission. |
Your salary still has to reach a bank account: lenders check the credits there instead of a payslip. Rules are from each lender's own pages, in our words; the lender decides on your application. Ranked by the lowest published starting rate. We compare lenders available through our partner; ranking never depends on what we earn.
Related
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
- True Cost of a Personal Loan: Fees and APRWhat a personal loan really costs: flat vs reducing rate, processing fee and GST, APR in the Key Fact Statement, foreclosure and penal charges.
- Personal loans for self-employedWho lends without a salary
- Personal loans for a low CIBIL scoreWho lends at 650 or below
- Instant personal loansLenders that pay out the same day
Questions people ask
Can I get a personal loan without a salary slip?
Yes. 7 of the lenders we compare check income from your bank statements or through a digital check instead. Your salary credits in the account act as proof, so keep 3 to 6 months of statements from the account your salary goes into.
Which lenders give a personal loan without a salary slip?
IDFC FIRST Bank, InCred and KreditBee have the lowest published starting rates among the 7 lenders we compare that check income from bank statements or digitally. The table shows what each asks for; the lender decides, and approval isn't guaranteed.
What can I use instead of a salary slip?
Bank statements showing regular salary credits are the most common substitute. Some lenders also accept a Form 16, an ITR, an employment letter or a UAN (EPF) check, and digital lenders can read your statements through RBI's Account Aggregator framework with your consent.
Can I get a personal loan if my salary is paid in cash?
It's difficult, because lenders need to see your income. With no bank credits and no salary slip there's little they can verify. Moving your salary into a bank account, even for a few months, makes you eligible at many more lenders.
Is sharing my bank statement through Account Aggregator safe?
Account Aggregators are licensed by RBI and share data only with your explicit consent, for the purpose and period you approve, and you can revoke it. Never share your net banking password or OTPs with anyone, including a lender.
See all lenders. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.