Yes — more than ever before.
With the rise of freelancers, gig workers, and digital professionals, lenders like Vizzve Finance now offer personal loans without traditional salary slips, using alternative credit evaluation methods.
Why Traditional Salary Slips Aren’t Always Available
You may not have a salary slip if you are:
A gig worker (Zomato, Swiggy, Uber, etc.)
A freelancer or self-employed professional
Recently joined a job or on probation
Paid in cash or via digital wallets
Working part-time or on contracts
In 2025, finance has evolved — and so has loan eligibility.
Alternative Documents You Can Use Instead of Salary Slip
Vizzve and other smart lenders may accept:
🏦 Bank statements (3–6 months)
💸 UPI/digital transaction history
📱 Pay app income screenshots
📄 Form 16 or income tax returns (ITR)
🪪 Aadhaar & PAN for KYC verification
🔗 Employment proof (letter, offer, ID card)
Even without a salary slip, a steady cash flow is enough for certain small-ticket loans.
Vizzve Finance: Empowering Gig & Non-Salaried Borrowers
At Vizzve, we’ve helped thousands without salary slips by analyzing:
Bank inflows
UPI spends
Repayment behavior
Digital identity + credit signals
You can get loans from ₹5,000 to ₹1,00,000 — no employer letter needed.
Example Use Case
Priya, a freelance graphic designer, needed ₹25,000 for new equipment.
She applied via Vizzve using:
Aadhaar
PAN
6-month bank statement
Loan was approved in 40 minutes, repaid over 3 EMIs.
How to Increase Your Approval Chances Without Salary Slip
Maintain ₹15K+ inflow monthly in your bank
Avoid bounced UPI or EMI payments
File basic ITR if self-employed
Keep your PAN/Aadhaar updated
Apply through verified platforms like Vizzve
Watch Out For
Fake loan apps asking for upfront money
Lenders charging 10–15% “file processing” fees
Unsecured loans without terms in writing
Always choose RBI-compliant NBFC-backed platforms like Vizzve.
FAQs
Q1. Can I get a ₹10,000 loan without a salary slip?
Yes. If you have regular UPI or bank credits, Vizzve may approve it instantly.
Q2. Is CIBIL required if I don’t have income proof?
Not always. Vizzve uses alternate data points like payment behavior, bank patterns, etc.
Q3. Can gig workers apply without salary slips?
Absolutely. Gig economy workers are one of our largest borrower segments.
Q4. What is the interest rate for non-salaried loans?
Rates start from 1.2% per month, depending on risk profile and tenure.
Published on : 23rd July
Published by : SMITA
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