Introduction
No salary slip? Low CIBIL score? Don’t worry — getting a personal loan is still possible if you know the right approach.
Options You Can Try
- Apply with a Co-Applicant – A family member with a good credit score.
- Show Alternate Income Proof – Bank statements, rent receipts, or freelance income.
- Use Collateral – Apply for a secured personal loan using gold, FD, or property.
- Choose NBFCs or Fintech Lenders – They have flexible eligibility norms.
- Maintain a Healthy Bank Balance – Proves repayment capability.
Conclusion
Even without traditional documents, you can still access credit. The key is to prove income stability and repayment capacity through alternate ways.