How to Get a Personal Loan Without Salary Slip in India (2025 Edition)
Need a loan but don’t have a salary slip? You’re not alone — thousands of freelancers, shop owners, and self-employed people in India face this issue every day.
At Fast-Loan.in, we’ve helped over 5,000 people get approved without the usual salary slip requirement — and in this blog, we’ll show you exactly how you can do the same.
🧐 Is It Really Possible to Get a Loan Without a Salary Slip?
Yes, it’s absolutely possible. In fact, many loan apps in India today are built for people who:
- Work independently
- Run a small business
- Do freelance work
- Don’t get regular monthly payslips
These platforms offer quick loan approval without documents like salary slips — instead, they rely on your bank statements, Aadhaar, or GST data.
📄 What Documents Can You Submit Instead?
If you don’t have a payslip, you can still show income proof in other ways:
- Last 6 months’ bank statement
- PAN & Aadhaar card
- ITR (if filed)
- Business registration (for shop owners)
- UPI or digital payment history
Even if you don’t have ITR or business docs, some loan apps just need your Aadhaar + bank account to offer small, short-term loans.
💡 Best Loan Apps That Don’t Ask for Salary Slip
Here are 3 apps that work well for people like you:
1. Fast-Loan.in
We’re a loan marketplace that connects you to lenders who give paperless loans without asking for salary slips. You can apply using just Aadhaar and your bank statement.
2. Navi App
- Loans up to ₹5 lakh
- Based on bank statement
- Instant disbursal
3. MoneyTap
- Flexible credit line
- Works for freelancers
- Fast approval, no salary slip needed
💰 Who Can Apply?
Our platform sees successful loan approvals from:
- Zomato/Swiggy drivers
- Beauty salon owners
- Tuition teachers
- Freelance designers
- Shopkeepers & home business owners
Even if your income is seasonal or irregular, you can still qualify.
🚀 How to Apply for a Loan on Fast-Loan.in
- Go to Fast-Loan.in
- Select “No Salary Slip” option
- Enter Aadhaar, PAN, and upload your bank statement
- Compare offers from top lenders
- Get funds in your bank in under 24 hours
✅ It’s that easy.
❓ Common Questions
Can I apply without PAN card?
→ You’ll need PAN for most loans above ₹10,000. For microloans, some lenders may skip it.
What if I have low CIBIL score?
→ Many quick loan apps check only your transaction history, not full credit score.
Is this safe and legit?
→ All our partner lenders are RBI registered NBFCs or banks.
🟢 Final Thoughts
Getting a personal loan without a salary slip is no longer a dream. If you’ve got income through any source, a bank account, and basic ID proof — you're eligible.
Fast-Loan.in helps you compare top offers and apply in minutes.
💥 No hidden fees. No waiting. No salary slip needed.
How to Get a Personal Loan Without Salary Slip in India (2025 Edition)