Personal Loan Without Salary Slip
Don't have a salary slip? GoCredit connects you with lenders who use bank statements, ITR, or alternate income proof — salary slip not mandatory.
Best Lenders for Personal Loan Without Salary Slip
These lenders are specifically recommended for personal loan without salary slip based on eligibility, rates, and approval speed.
Fullerton India
nbfcLoans for self-employed and salaried both
IIFL Finance
nbfcFast credit for India's underserved
MoneyView
fintechLoans for everyone — even low CIBIL
KreditBee
fintechInstant loans for the new India
Home Credit
nbfcLoans for everyone — even with no credit history
Quick Comparison
| Lender | Interest Rate | Min CIBIL | Disbursal | Best For |
|---|---|---|---|---|
| Fullerton India | 11.99%+ | 650+ | 24-48 hours | Self-employed individuals and small business owners |
| IIFL Finance | 12.75%+ | 600+ | 24 hours | Tier 2/3 city borrowers and lower income earners |
| MoneyView | 15.96%+ | 600+ | 24 hours | Borrowers with low-to-moderate CIBIL scores |
| KreditBee | 17%+ | No CIBIL | 10 minutes | First-time borrowers and NTC individuals |
| Home Credit | 19%+ | No CIBIL | 48 hours | Low-income borrowers in rural/semi-urban areas |
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Related Loan Types
Personal Loan for Salaried Employees
Salaried employees get the best personal loan rates in India. With regular income and salary slip, you qualify for lower rates, higher amounts, and faster approvals.
View offers →Personal Loan for Self-Employed
No salary slip? No problem. GoCredit connects self-employed individuals with lenders who accept ITR, bank statements, or business income as proof.
View offers →Personal Loan for Government Employees
Government employees enjoy India's best personal loan rates. Your stable income makes you the most preferred borrower. Access special low-rate schemes from SBI, HDFC and top NBFCs.
View offers →Personal Loan with Low CIBIL Score
A low CIBIL score doesn't have to stop you. GoCredit's AI matching finds lenders who work with CIBIL scores as low as 550 — or even no CIBIL at all.
View offers →