Get Personal Loans Up to ₹10,00,000 Quickly with No Salary Slip
No salary slip? No problem.
Your salary slip is a very important document that acts as your proof of income. But if you don’t have salary slips, you can still get a personal loan from Moneyview’s lending partners. You can get loans up to ₹10 Lakh without having to submit salary slips.
All you have to do is submit alternative proof of income. Let’s learn ways to apply for a personal loan without a salary slip.
If you want to apply for a personal loan online without a salary slip, here are the 9 ways to do so. Let’s look at them briefly. We will dig into detail in later sections.
|
Sl. No. |
Methods |
Details |
|---|---|---|
|
1 |
Alternate Proof of Income |
Submit documents like your income certificate, IT returns, bank statements, etc. |
|
2 |
Apply with a Co-applicant |
A strong co-applicant's profile can help you cut some slack on documentation |
|
3 |
Leverage Relationship with Lender |
Cordial relationships with the lender can open many closed doors |
|
4 |
Have a Good CIBIL Score |
A good CIBIL score shows that you are a low-risk customer |
|
5 |
Try Other Types of Lending |
Consider peer-to-peer lending, a smaller loan, a secured loan, or lenders who require fewer documents |
Now, let us look at these methods in detail and see which one is the best option for you -
Don’t have salary slips? Here are some documents you can submit as proof of income -
Income certificate
IT returns
Bank statements
Proof of rental income or government pensions
Applying with a co-applicant is another way to get a personal loan without a salary slip. If you can find a close friend or family member who has a high credit score and good credit history, it will make the process easier.
However, be punctual in your repayments, as your negligence can cause your co-applicant to lose their credit score.
If you have a cordial relationship with your lender, then you can discuss with them not submitting a salary slip. Since lending depends on trust between the two parties, a good relationship with the lender can help you convince the lender of your repayment capability.
So, if you already have a bank account in the bank that you are applying for a loan from, it might work in your favor.
CIBIL score assures the lender of your credit profile and immediately increases trust in your borrowing capacity. A high score of 750 and above is acceptable to every lender across India. With such a score, you can negotiate with the lender to provide a loan without a salary slip.
However, you can even get a personal loan with a CIBIL score higher than just 650 without a salary slip through Moneyview.
There are some options for you to try if you don’t have a salary slip.
Peer-to-peer lending, or P2P loans, is a lot like crowdfunding or social lending. In this case, you borrow funds directly from other individuals instead of banks or traditional lenders. There are no middlemen involved, but a P2P lending platform acts as a mediator between the investor and the borrower.
A secured loan reduces the risk for the lender as you pledge collateral that acts as security. Salary slips are mostly necessary when you apply for an unsecured loan since they help lenders understand your repayment capacity.
Some lenders require less documentation if you apply for a small loan or a loan with a shorter tenure. Thus, you may be able to get the loan without submitting salary slips.
You can also consider the government or NGOs, which often have special programs running for people without proof of income. These loans also have subsidies that can help if you are an entrepreneur and need a somewhat large amount.
Partner lenders on digital lending apps such as Moneyview require minimal documentation, of which a salary slip is not a part. Apply for a personal loan from such apps and make sure to fulfill the other eligibility requirements so you can avail of a loan easily without the need for a salary slip.
Want to know more about loans from the Moneyvew digital lending app? Read on!
Flexible Loan Sum
Borrow from ₹5,000 to ₹10 Lakh maximum
Unsecured Loans
Applying for a personal loan through Moneyview doesn't require a guarantor or collateral
Quick Processing
After approval, the loan amount is transferred to your bank account within a day
Competitive Interest Rates
Take advantage of interest rates starting from just 14% p.a.
The steps to get a personal loan without a salary slip through Moneyview are quite simple. You just need to fulfill the eligibility requirements of the lending partners, provide the necessary documents, and voila! The loan will be credited to your account within 24 hours.
To apply for a loan through Moneyview, you just need to follow these simple steps -
1
Verify Eligibility
Verify your eligibility on the Moneyview website or app within just 2 minutes!
2
Choose Repayment Timeline
Pick your loan amount and repayment duration from the available options based on your eligibility.
3
Submit Your Documents Online
Submit the required documents to verify your profile by uploading them online without trouble.
4
Funds Transferred
After approval and signing the agreement, the funds will be deposited into your account within 1 day!
Please Note -
You will also have to enable the auto-debit facility from your bank account. This is a quick process where you can use a debit card, net banking, or NACH form. The auto-debit facility will help you pay your monthly EMIs automatically without any manual intervention.
Please ensure that the documents listed above are officially valid when you submit your loan application. Documentation requirements will be minimal if you clear the oKYC process during your application flow.
News Update
Growth in India’s personal loan segment slowed to 12.8% year-on-year in November 2025, down from 13.4% in November 2024. This is largely due to a weakening home-loan market and softer demand for unsecured credit like credit cards and consumer durable loans.
As reported by Financial Express on January 4, 2026Your monthly EMI is
per month for 5 months
Total Interest
₹1,004
Total Amount
₹51,004
Loan Amount
Min ₹5,000
Max ₹6,000,000
Rate of Interest
Min 5%
Max 25%
Loan Tenure
5
months
Min 3 months
Max 72 months
To avail of a personal loan without a salary slip from Moneyview, you must submit the following documents. The document requirements are the same for both salaried and self-employed applicants.
Moneyview's lending partners only ask for the following documents:
Your PAN number
Your mobile number will have to be linked to your Aadhaar card for KYC verification
A Clear selfie taken in a well-lit area
Please note that the documentation requirements will vary based on your profile. Our partner lenders may require proof of address, bank statements, and other supporting documents.
In case a proof of address is required, any one of the following documents will suffice -
Aadhaar Card
Valid Indian Passport
Valid Voter ID
Valid Driver’s License
Utility Bills (Electricity, Water, Gas) dated within the last 60 days
If our lending partners require income proof, you must furnish your bank statements for the last three months. These statement must also show your salary credits.
You can easily get personal loans from Moneyview without the need for a salary slip. All you need to do is fulfill the eligibility criteria given below -
You must be between 21 and 57 years old
Income must be credited directly to your bank account.
Minimum in-hand income of Rs.25,000 for salaried and self-employed applicants
Minimum CIBIL score of 650
Interest rates and other charges for personal loans applied through Moneyview are transparent and affordable, with no hidden costs. Here are the fees and charges of Moneyview’s partner lenders -
|
Fees and Charges |
Amount Chargeable |
|---|---|
|
Interest Rate |
Starting from 14% per annum |
|
Loan Processing Charges |
Starts at 2% of the approved loan amount |
|
Penalty Charges on Overdue EMI |
24% per annum plus applicable taxes, if any |
|
NACH Bounce |
₹500/- each time |
|
Loan Cancellation |
You can cancel your loan anytime before the disbursal. However, if you wish to cancel the loan after the amount has been credited to your bank a/c, you can cancel the same within the cool-off period of 3 working days. |
Getting an instant personal loan without a salary slip is no longer impossible. In fact, with so many alternative options available, you can take your pick.
You can get attractive loans at affordable interest rates through digital lending platforms such as Moneyview without a salary slip. Just submit the necessary documents, fulfill the eligibility criteria, and get your instant personal loan now!
To get an instant loan of Rs.50,000 without a salary slip, follow the steps given below -
Personal Loan by Income and Purpose
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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