7 Best Loan Apps Without Salary Slip in India (2025) – Instant Approval & Minimal Documents

Finding the right loan app without a salary slip in India is like a cherry on top, especially when you need money urgently. In 2025, more people, especially freelancers, gig workers or freshers, need personal loans but don’t have traditional income proof like a salary slip. Many leading lenders have simplified verification using Aadhaar-based e-KYC, digital bank statements, and app-based approval. These processes reduce paperwork while keeping the loan journey secure and efficient.

Before choosing the best loan app without a salary slip in India, it is important to understand what “no documents” truly means and how these lenders verify your identity digitally. Below, we rank the top apps that provide fast personal loans with minimal documentation.

What Does  Truly Mean “Loan Without Salary Slip” in 2025

When we say term instant loan without salary slip, it doesn’t mean zero documentation or a loan without any KYC; it means lenders now accept alternative income verification in place of a salary slip, which can be

• Aadhaar-based e-KYC: Your identity is verified instantly using Aadhaar OTP or an offline XML file.
• PAN-based credit checks: PAN is used for identity and credit checks.
• Bank statement: Fetch via Account Aggregator, lenders retrieve them securely using your consent.
• Video KYC or selfie verification: Some lenders complete verification through a quick video call.
• Offer letter or employment ID: Some lenders also use this as minimal documents.

These steps help lenders approve an instant loan without salary slip while keeping documentation minimal.

Best Loan Apps Without a Salary Slip in India(2025)

1. KreditBee

KreditBee offers a simple onboarding flow requiring only PAN, Aadhaar and basic selfie verification. Many users with a consistent banking history get approved without uploading income proof or any salary slip. This app is ideal for those needing a small to medium-ticket instant loan without salary slip and who prefer paperless processing with quick disbursal directly into their bank accounts.

Pros of using a loan app without a salary slip

• Suitable for first-time borrowers
• The app works even for lower CIBIL scores.

Cons You Should Be Aware Of

• Interest can be high for new users.

2. MoneyView

MoneyView is another popular app which gives instant loans without salary slip, which supports complete digital lending through Aadhaar e-KYC and automatic bank statements. Document requirements are minimal, and the approval journey is seamless. It is a strong option for borrowers with a stable credit score who want a fast, no-hassle personal loan experience through one of the safest and best loan apps in India.

Pros of using a loan app without a salary slip:

• No salary slip is needed; only a bank statement is enough.
• Competitive rates

Cons to be aware of: 

• Requires strong bank activity for approval.

3. Navi

Navi is known for its 100% app-based loan approval using Aadhaar verification and phone-based validation instead of physical documents. Borrowers can apply in minutes, complete digital KYC and receive funds instantly. It’s well-suited for users seeking larger loan amounts with a fully online and transparent application process.

Pros of using a loan app without a salary slip:

• Cleanest UI in the segment
• Fully digital, no salary slip required

Cons You Should Be Aware Of:

• High Interest Rates: Customer reviews frequently mention very high interest rates (sometimes 10-38% p.a.) compared to traditional banks, which can lead to a debt trap if not managed carefully.

4. Bajaj Finserv Loan App

Bajaj Finserv offers pre-approved personal loans without a salary slip to eligible customers, especially those with an existing relationship. New applicants mostly need only Aadhaar, PAN and bank-account verification. It is one of the best online loan apps in India for borrowers seeking high loan limits and a safe lending ecosystem.

​Pros of using a loan app without a salary slip:

• High loan value with just Aadhaar + PAN
• Trusted NBFC brand

Cons You Should Be Aware Of:

• New users may need a strong profile

5. PaySense

PaySense is one of the best instant loan apps without a salary slip for borrowers wanting smooth digital processing and minimal documents. With Aadhaar, PAN and online bank statements verification, approvals are fast and paperless. It suits salaried and self-employed borrowers seeking loans up to ₹5 lakh with flexible EMIs and quick disbursal.

Pros of using a loan app without a salary slip:

• Smooth UI
• Offers flexible EMIs

Cons You Should Be Aware Of:

• Document review may take time

6. Fibe

Fibe (previously EarlySalary) offers a quick instant loan without a salary slip, with Aadhaar-based e-KYC, PAN verification and digital income assessment. Most steps are automatic, and physical documents are rarely needed. Its focus on young professionals, students and freelance  individuals makes it one of the best apps for instant loan without excessive paperwork.

Pros of using a loan app without a salary slip:

• No salary slip needed
• Instant salary advance

Cons You Should Be Aware Of:

• Loan size may be limited

7. Branch

Branch provides a personal loan without a salary slip.With just a simple onboarding flow requiring only basic KYC and automatic bank verification. Many borrowers especially appreciate that income proof is not always needed. It mainly serves users wanting short-term credit and a fast, low-effort application that avoids traditional paperwork.

Pros of using a loan app without a salary slip:

• Low-value short-term loans
• Requires only mobile + Aadhaar

Cons You Should Be Aware Of:

• Small ticket size
• Higher interest

Comparison: Best Loan Apps Without Salary Slip in India

How These Apps Work Without a  Salary Slip

The reason these loan apps can provide fast approvals is their use of digital lending infrastructure

• eKYC using Aadhaar and OTP- Instead of manually checking scanned documents, e-KYC validates user identity instantly.
• PAN-based credit bureau checks- PAN-based checks determine creditworthiness for loan decisions.
• Account Aggregator to fetch verified bank transactions- Some apps use AA to fetch bank statements securely, eliminating manual uploads.
• Ruled Base Decison Engines- Algorithms evaluate income patterns, repayment behaviour, and risk instantly—leading to faster approvals.

All of this results in a smoother experience and makes these platforms some of the best loan apps without a salary slip in India.

Who Should Opt for a Loan App Without Salary Slip?

• New employees who haven’t received pay slips yet
• Freelancers with bank credit proof
• Gig workers with stable account activity
• First-time salaried professionals
• Anyone facing urgent cash needs

Tips to Choose the Best App for  a Loan Without Salary Slip 

• Pick apps with RBI-licensed NBFC partners.
• Read T&Cs on interest, EMI tenure, and fees.
• Look for secure Aadhaar-based eKYC.
• Prefer apps with transparent eligibility tools.
• Check if prepayment is allowed without charges.

Choose My Mudra for Your Personal Loan Without Salary Slip

Looking for a fast, simple, and safe loan without income proof? My Mudra connects you to RBI-approved NBFCs who offer:

• Instant personal loan without a salary slip
• 100% online, no physical documents needed
• Loan comparison, pre-approved offers

Whether you’re salaried, freelance, or starting a new job, My Mudra helps you borrow smart. Apply Now on My Mudra. It’s the smartest way to get a personal loan without a salary slip in 2025.

Conclusion

In 2025, the best loan app without a salary slip rely on Aadhaar e-KYC, PAN-based verification and digital bank statements to offer fast personal loans. Apps like PaySense, KreditBee, MoneyView, Navi, Bajaj Finserv, Branch, Hero Loan, Home Credit, and Fibe all support minimal documentation and quick approvals. These platforms help you access funds quickly while avoiding the hassles of physical paperwork.

Also Read:
- Best Instant Micro Finance Loan Apps in India 2025 - 2026
- Top 7 Loan Apps for Self-Employed Professionals in 2025