🚀 Best Loan Apps in India (2025) Without Salary Proof
Getting a loan without a salary slip can be tough—but in today’s digital lending ecosystem, RBI-compliant apps have made it possible for self-employed professionals, freelancers, small entrepreneurs, and gig workers to access credit without traditional income documents.
Whether you’re looking to expand your business, cover a personal emergency, or invest in a new project, these trusted apps will get you the funds you need—no salary proof required.
📌 1. Vizzve Financials – Smart Loans for Everyone
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Type: Financial Marketplace
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Website: www.vizzve.com
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Helpline: 📞 84498 44958
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RBI Status: Works with RBI-registered NBFCs & Banks
✅ Key Features:
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No Salary Proof Needed – Accepts bank statements, ITRs, GST returns
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Offers Business Loans, Personal Loans, Loan Against Property
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Loan Amount: ₹10,000 – ₹10 Lakhs
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Disbursal: Within 24–48 hours
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Fully Digital: App-based KYC, minimal paperwork
💡 Perfect for self-employed, freelancers, and micro-entrepreneurs looking for flexible loan options.
📌 2. PaySense
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Type: Instant Personal Loan App
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Loan Range: ₹5,000 to ₹5,00,000
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RBI Partner: Registered NBFCs
✅ Benefits:
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Works with PAN, Aadhaar & bank statement
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Great for self-employed individuals
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Quick EMI setup and approval within hours
📌 3. MoneyView
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Type: Personal Loan Platform
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Loan Range: ₹10,000 to ₹5,00,000
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Documents Needed: PAN + Aadhaar + bank statement
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Eligibility: Monthly income ₹13,500+
✅ Why Choose:
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AI-driven credit check even without payslips
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Instant disbursal
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Flexible repayment terms
📌 4. FlexSalary
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Type: Credit Line App
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Loan Amount: ₹4,000 to ₹2,00,000
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RBI NBFC Partner: Yes
✅ Highlights:
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Credit on demand even with irregular income
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Ideal for gig workers or freelancers
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Pay interest only on the amount used
📌 5. Vizzve Micrseva Foundation – (Section 8 MFI App)
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Type: Microfinance Institution (Non-profit)
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Loan Range: ₹5,000 to ₹50,000
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Target: Women, rural SHGs, low-income groups
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Compliance: RBI NBFC-MFI Framework
✅ Features:
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No formal income documents required
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Focus on livelihood, SHG, and small group loans
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Doorstep service, financial literacy support
💡 Great for rural users, homemakers, and first-time borrowers.
🔍 Alternatives to Salary Slips (Accepted Documents)
You can still qualify for loans using these documents:
✅ Bank Statements (last 3–6 months)
✅ ITRs (Income Tax Returns – last 1–2 years)
✅ GST filings or business invoices
✅ UPI/Wallet/Freelance income reports
✅ Rental income or investment income proof
🛡️ RBI-Compliance Checklist ✅
Before choosing any loan app, make sure it meets the following criteria:
☑️ Registered with or tied to RBI-authorized NBFCs or banks
☑️ Clearly states interest rates, terms, and fees
☑️ No hidden charges or upfront payments
☑️ Offers transparent KYC and privacy protection
☑️ Includes customer grievance redressal support
❓ Frequently Asked Questions (FAQs)
🔹 Q1: Can I get a personal loan in India without a salary slip?
Yes. Apps like Vizzve, MoneyView, and PaySense accept other income proofs such as bank statements, ITRs, or business records.
🔹 Q2: Is Vizzve Financials an RBI-approved loan app?
Vizzve is a loan marketplace that partners exclusively with RBI-registered NBFCs and banks, ensuring compliance and secure borrowing.
🔹 Q3: I’m self-employed. Can I still get a loan?
Absolutely. Many apps like Vizzve and FlexSalary are designed for the self-employed. Just submit your business proof, bank statements, or GST data.
🔹 Q4: What is a Section 8 loan provider?
A Section 8 company is a non-profit financial institution registered under the Companies Act, 2013, focused on social lending. Apps like Vizzve Micrseva Foundation provide group loans and support rural and underserved communities.
🔹 Q5: How do I verify if a loan app is safe?
Check the following:
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Is the NBFC/lender listed on the RBI NBFC Directory?
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Does the app disclose its lending partners?
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Are loan terms transparent and KYC required?
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Avoid any app asking for advance payments or odd permissions.
🔹 Q6: Can freelancers get loans through these apps?
Yes! Many apps analyze UPI receipts, wallet transfers, or account activity to gauge freelance income and offer suitable loan amounts.
📌 Final Thoughts: No Salary? No Problem.
In 2025, it’s fully possible to get safe, instant loans in India—even without a salary slip. Apps like Vizzve, MoneyView, and Micrseva are paving the way for more inclusive lending, making financial access easy for non-salaried and informal sector borrowers.