Let me tell you the best personal loan app without salary slip. In India, several fintech and NBFC platforms now offer personal loans without requiring salary slips, catering to freelancers, self-employed, or those with irregular incomes. You can access personal loans without salary slips through select providers like IndusInd EasyCredit, Tata Neu, Union Bank of India, and so on. All of them accept alternative income proof.
IndusInd EasyCredit offers a fully digital, zero-document process for loans up to Rs. 5 lakh, relying on bank statements, ITRs, and credit history instead of pay slips.
They evaluate eligibility based on CIBIL score (ideally 700+), regular account credits, and ITR trails. This makes it ideal for freelancers, self-employed professionals, or users with irregular incomes.
Tata Neu’s Personal Loan also bypasses salary slip requirements. You can apply directly via the Neu app or website, submitting KYC, bank statements, and alternative income evidence like ITRs or rental receipts. It’s integrated into the Tata ecosystem and offers quick disbursals.
Union Bank of India provides loans for non-salaried individuals, focusing on co-applicants, age, and occupation criteria. While not app-based, their personal loans allow use of documents such as bank statements, ITRs, business proof or rental income in place of salary slips.
Provide ITRs, bank statements (6 to 12 months), rental incomes, profit/loss, or investment proofs and aim for a 700+ CIBIL score to boost approval chances.
Adding a spouse or parent or pledging an FD or property strengthens your application and smaller loan requests (Rs. 50k to Rs. 5 lakh) are easier to secure without salary slips.
To choose the right app:
Match loan amount, interest rate, and tenure to your needs.
Prepare bank statements, ITRs, and credit history.
Consider a co-applicant or collateral if your application is modest.
These options ensure you can secure funds swiftly even without pay slips while leveraging formal and digital lending pathways.
Get Personal Loan Upto Rs. 10 Lakhs Instantly with Minimum Documentation via NB InstaCash
Your Feedback Matters! How was this Answer?
Shifting, House?
✔
Lowest Price Quote✔
Safe Relocation✔
Professional Labour✔
Timely Pickup & Delivery
Intercity Shifting-Upto 25% Off
Check Prices
Intracity Shifting-Upto 25% Off
Check Prices
City Tempo-Upto 50% Off
Book Now
Which is Best Personal Loan App Without Salary Slip?
shivam
86 Views
1
5 months
2025-06-28T14:46:41+00:00 2025-06-28T14:46:43+00:00Comment
Share