Best Loan App without Salary and Bank statement: Top 7 apps

Best Loan App without Salary and Bank statement: Top 7 apps
Best Loan App without Salary and Bank statement: Top 7 apps

Best Loan App without Salary and Bank statement: When we want to take a loan, the bank asks for our salary and bank statement before giving the loan.

But there are many people who still do not get salary slips and bank statements from their company.

  In such a situation, there is a lot of difficulty in taking a personal loan without a salary slip and bank statement.

Best Loan App without salary and Bank Statement: Benefits

The documentation process can be cumbersome. In addition, you need to have an impeccable credit record. In such circumstances, the best loan app in India without salary slip and bank statement should be an ideal choice because of its inherent benefits like,

  • Quick approval and disbursement.
  • High degree of flexibility and easy eligibility criteria.
  • No collateral required.
  • convenient document.
  • User friendly features.

Here are the 7 best loan apps in India without salary slip and bank statement.

Money Tap Loan:

Downloading the MoneyTap app from Google PlayStore or AppStore is the first step in a safe and straightforward process. Next, fill in details such as age, city of residence, PAN, and income to determine your eligibility for Money Tap Credit Line. Then, finish KYC formalities and start using funds after necessary approvals.

Money Tap offers personal loans up to Rs 5 lakh at interest rates ranging from 1.08 to 2.3% per month. In addition, borrowers get flexible repayment tenure of up to 36 months (about 3 years). The best aspect of Money Tap is its fastest approval process which takes around four to five minutes. Moreover, the secure API and interface make it the best instant loan app in India without salary slips and bank statements.

PaySense Loan

PaySense partners with reputation banks and financial institutions to provide instant personal loans online. These personal loans between Rs 5,000 to Rs 5 lakh are accessible to meet almost any emergency. However, the most exciting feature is that it allows people with no previous credit history to avail of personal loans.

The application process, documentation, approval, and disbursement are quick. The interest rates range between 16% to 36% per annum. The repayment possession is up to a maximum of 60 months. Both salaried and independent individuals can apply for a personal loan with PaySense. Recently PaySense has merged with Lazy Pay.


Nira is one of the best instant loan apps in India without salary slips because of its instant approval, simple registration process, and availability of loans without a CIBIL score. Nira automatically calculates your credit score established on the documents submitted online.

Nira personal loans range from Rs 3,000 to Rs 5 lakh at interest rates of 1.5 to 2.5% per month. This instant personal loan app lets you expand your credit tenure as and when required. Kissht

Kisht is a quick loan app available on Google Playstore and App Store. It is one of the best ways of personal loans for students, freelancers, and small businessmen with regular salaried income.

Kisht offers a QR-based spin line of credit within five minutes. An Aadhaar card is the only document that is essential for the installment to complete the eligibility check, get the personal loan approved, and get it disbursed directly into your bank account. Loans up to a maximum of Rs 2 lakh at interest rates ranging from 14% to 30% per annum. The 100% digital process makes it an attractive proposition.

Smart Coin

Smart Coin is one of the popular loan apps without salary slips as it offers easy personal loans to meet your urgent cash requirements. This instant loan app provides small loans of up to Rs 70,000 to underprivileged middle and low-income groups.

The special thing about Smart Coin Instant Loan App is that it provides instant personal loans based on PAN and Aadhar cards only. The rate of interest varies between 20 to 36% per annum. These short-term loans are paid back between 91 and 270 days. However, for applicants without a CIBIL score, the loan amount is limited to around Rs 20,000.

Dhani Card

Dhani Card is one of the topmost instant personal loan apps, mainly for students, salaried individuals, and self-employed individuals. Loans up to Rs 5 lakh are available at interest rates between 1 to 3.17% per month, depending on your eligibility, loan amount, and repayment tenure.

Dhani Card offers a credit line of up to Rs 5 lakh at a 0% interest rate without linking your bank account. This provision allows unlimited access to doctors on payment of a fixed nominal monthly fee. However, this loan is repayable in three interest-free installments.

Other features of the Dhani Card include attractive cashback of up to 2% on all spending. Additionally, up to 20% off is available at the Dhani store, allowing users to pay for their daily needs, groceries, and household items.

pocket Loan

mPokket is a short term instant personal loan app obtainable on Google PlayStore for students and salaried workers to meet their urgent financial emergencies. Loan amounts range from Rs 500 to Rs 30,000 with interest rates starting from 3.5% per month.

While salaried individuals have to provide their salary slips, students can try for this instant personal loan by submitting their ID proof online. The loan approval process is completely online, and disbursement usually takes around 24 hours. Moreover, borrowers are not required to unlock any bank account as they can obtain payments in their digital wallets like PayTM.

Eligibility Criteria for getting loan without salary slip and bank statement from loan apps

You need to fulfill certain criteria to avail loan from the mentioned loan app. Let us see the eligibility criteria:

  • The person applying for the loan must be a citizen of India.
  • The age of the person applying for the loan should be between 18 to 55 years.
  • A salary slips and Babk statement is not required here, but the applicant must have a source of income.
  • CIBIL score should be good.
  • The applicant must have a savings account.
  • The applicant should have a smartphone or any other implement and internet connection.
  • At least more than 50 contacts should be saved in the smartphone.
  • Incoming calls or outgoing calls must have been made from that phone in the last 7 days.


How can I get a loan without a bank statement and salary slip?

Personal Loan Without Salary Slip and Bank Statement:

  • Prepare an alternate proof of income.,
  • Maintain a healthy credit score.,
  • Offer to pledge a property as security.,
  • Sign up for funding with a co-applicant.,
  • Find a lender with simple eligibility criteria.

Can I get a loan if I am jobless?

People who do not have any stable source of income but have a high credit score can also opt for a secured personal loan for the unemployed. A good credit history with timely repayments and zero defaults can get you a personal loan up to a specific amount.


Today we have given you information about The Best Loan Apps Without Salary and Bank statements: Top 7 Picks, Benefits of Loan without salary slip and bank statement, 7 best loan apps in India without salary slip and bank statement, and all other information about it. We hope you like our information. If any questions or suggestions are in your mind, then you can ask in the comment section.

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