Salary slips are one of the essential documents for a salaried person. Usually, lenders ask for a salary slip when you are applying for a loan. Quick Cashs solves this problem. You can digitally apply for a personal loan without salary slips from Quick Cashs.
Borrow a loan of ₹10,000 to ₹5 lakh, even if you don’t have a salary slip. We break down the process below.
Benefits of Getting a Personal Loan Without a Salary Slip
No Salary Proof Needed
You can borrow a personal loan without giving a salary slip. You can provide a joining letter instead of a salary slip.
Flexible Documentation
Our partner lenders accept alternative income proof. Also, loan approval comes with KYC & income proof only.
Quick Approval
Digital-first platforms process loans fast, often within 24–48 hours.
Unsecured Loan
No need to pledge assets, unless you choose to.
Custom Loan Amounts
You can borrow as little as ₹10,000 or up to ₹5 lakh or more, based on your income pattern and credit score.
Also Read: 5 Best Personal Loan Apps in India for Low Credit Score
Eligibility Criteria (Without Salary Slip)
Eligibility varies by lender, but most will check for these:
- Age: Typically 21 to 55 years
- Citizenship: Indian resident
- Income: Salary must be deposited into the bank
- Employment Type: Salaried with a minimum of 12 months of job experience.
- Credit Score: Preferably 700+
Documents You Can Use Instead of Salary Slips
You’ll need to show proof of income and identity. These usually work:
Income Proof (any of these):
- Offer Letter or Joining Letter of the company
- Form 16 (if recently salaried)
Identity & Address Proof:
- Aadhaar Card
- PAN Card
- Voter ID / Passport / Driving License
- Utility bill or rental agreement (for address proof)
Lenders That Offer Loans Without a Salary Slip
| Lenders | Interest Rate (p.a.) | CIBIL Score | Salary | |
| WeRize | 16% to 18% p.a. | -1/ 680+ | Rs. 12,000 | Apply Now |
| MoneyView | 1.33% per month | 720+ | Rs. 13,500 | Apply Now |
| InCred | 11.49% to 18% p.a. | -1/ 700+ | Rs. 15,000 | Apply Now |
| Fibe | 24% to 30% p.a. | -1/ 680+ | Rs. 18,000 | Apply Now |
| Prefr | 18% to 36% p.a. | 730+ | Rs. 18,000 | Apply Now |
| Finnable | 16% to 22% p.a. | -1/ 700+ | Rs. 15,000 | Apply Now |
| IDFC | 12.50% to 18% p.a. | 700+ | Rs. 15,000 | Apply Now |
| PaySense | 1.4% to 2.3% per month | 720+ | Rs. 18,000 | Apply Now |
| mPokket | 1% to 6% per month | 680+ | Rs. 9,000 | Apply Now |
Smart Tips to Improve Approval Chances
Maintain Steady Salary Credit
Show a regular salary credit statement for 12 months.
Keep Your Credit Score Clean
Your credit score must be clean, which shows timely payments of previous loans.
Apply with a Co-applicant
A spouse or parent with income can boost your profile.
Be Transparent
Don’t try to fake documents. Lenders value honesty.
Avoid Multiple Applications at Once
Don’t apply for multiple loan applications at a time. This will hurt your credit score.
Also Read: My Loan was Rejected Here’s What I did Next
Conclusion
You don’t need a salary slip to get a personal loan in India, but you do need to prove that you can repay. Use your salary deposit bank statement and the Company joining letter. Our top fintech lenders provide a digitally personalized loan.
FAQs
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How much salary is needed for a personal loan without a salary slip?
Quick Cashs partners with multiple lenders to offer a personal loan without a salary slip. You can borrow a personal loan with a 12,000 monthly salary.
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Can I get a personal loan without a salary slip in India?
Quick Cashs partners with multiple lenders to offer a personal loan without a salary slip. You can borrow a personal loan with a 12,000 monthly salary.
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Do I require a high credit score?
Your minimum credit score should be 700+ to be eligible for a personal loan.
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Is collateral required for a loan without a salary slip?
The answer is no. You can borrow an unsecured personal loan from our multiple lenders.
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How much can I borrow without a salary slip?
Loan amounts typically range from ₹10,000 to ₹5 lakh, depending on your income, credit score, and the lender’s policy.
