Avail affordable personal loans without the need for an ITR
Attractive Loan Sum
Get up to ₹10 Lakh loan, starting from ₹5,000
Unsecured Loans
No need for guarantors or collateral
Super Fast Processing
Receive the loan amount within a day
Competitive Interest Rates
Interest rates starting from 14% p.a.
Yes, but only certain digital lending platforms, such as Moneyview, provide loans to self-employed applicants without the ITR.
Your ITR or income tax return is an important document used to verify your income and subsequent repayment ability. Therefore, not all lenders offer loans without an ITR. But at Moneyview, our partner lenders value customer satisfaction and place a high emphasis on minimal documentation which is why this benefit is possible.
To avail of a personal loan through Moneyview, one will have to fulfill the eligibility criteria given below -
Given below are the documents required to apply for a personal loan through Moneyview -
Income Proof:
Last 3 months’ bank statements in PDF format showing salary credits
Identity Proof:
PAN Card - This is the primary ID proof required. However, if it is rejected due to image quality issues or other reasons, any 1 of the officially valid documents given below will suffice.
Aadhaar Card
Valid Indian Passport
Valid Voter ID
Valid Driver’s License
Address Proof: You can submit one of the following documents for proof of address-
Aadhaar Card
Valid Indian Passport
Valid Voter ID
Valid Driver’s License
Utility Bills (Electricity, Water, Gas) dated within the last 60 days
As mentioned above, if you are self-employed, you do not have to submit your ITR as proof of income. Your bank statements are enough.
| Fees & Charges | Amount Chargeable |
|---|---|
| Interest Rate | Starting from 14% per annum |
| Loan Processing Charges | Starting from 2% of the approved loan amount |
| Penal charges on Overdue EMI | 24% per annum plus applicable taxes, if any |
| NACH Bounce | Rs.500/- each time |
Note -
1
Check Eligibility
You can check your eligibility on the Moneyview website or app in just 2 minutes!
2
Select Loan Tenure
Choose the loan amount and repayment period from the options provided to you as per your eligibility.
3
Upload Documents
We ask for minimal documents to verify your profile. You can upload your documents online without any hassle.
4
Amount Disbursed
Once the application is verified and the loan agreement is signed, the loan amount will be directly credited to your bank account within 24 hours!
Need Quick Cash?
Self-employed individuals can now easily apply for and avail of a personal loan without having to provide an ITR.
All you have to do is visit the Moneyview website or download the app, submit your income proof, fulfil the necessary eligibility criteria and you can have your loan within just 24 hours of your approval.
Yes. One of the most important factors in obtaining a loan from any financial institution is your credit score. However, lending partners at Moneyview employ a one-of-a-kind credit rating system that considers not only your credit score but also other factors.
As a result, a CIBIL score of 650 or higher, is required to apply for an instant personal loan through Moneyview.
Yes, you can. However, the eligibility criteria may vary for self-employed and salaried individuals. Financial documents demonstrating income stability will make it easier to obtain a personal loan for self-employed individuals.
The lender also might require self-employed individuals to have been in business for a certain period of time.
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