Instant personal loan without bank statement

Read about the documentation required and eligibility criteria for our Insta Personal Loan.
How to get an instant personal loan without bank statement
3 min read
4 Jan 2023

Personal Loans are typically used to meet financial needs such as unforeseen medical costs, wedding expenses, and so on. To get a personal loan, you have to fulfil various eligibility criteria depending on the lender and submit a set of documents for verification. For an instant personal loan without bank statement, you can look at pre-approved offers where eligibility is already verified. But there is a way to get an instant personal loan without bank statement – pre-approved offers. Bajaj Finance Insta Personal Loan provides pre-approved offers for its existing customers, where they may not even have to submit any income proof such as bank statements.

Documents required for a regular personal loan

For a regular personal loan from Bajaj Finserv, you have to submit documents such as:

  • KYC documents such as Aadhaar, passport, driving license, voter’s ID, or a Letter of National Population Register
  • PAN card
  • Cancelled cheque
  • Bank account statements for the last 3 months
  • Salary slips for the last 3 months

However, if you are looking for a personal loan without bank statements, you can choose to opt for our Insta Personal Loan. These loans are available to our existing as well as new customers. For our existing customers, in most cases, there are no documents required to get an Insta Personal Loan. You can get an instant loan without bank statement or salary slips.

Features of an instant personal loan without bank statements

An instant personal loan without bank statements comes with two huge advantages for the customers.

Quick disbursal – Since you are already pre-approved for the loan amount, the disbursal process is fast-tracked. An instant personal loan without bank statements is disbursed within hours instead of days.

Hassle-free application process – The lender usually has the basic information of existing customers, which makes the application process smoother. For a personal loan without bank statements, select customers must simply fill out the application process without needing to submit any paperwork.

Check your Insta Personal Loan offer

Our existing customers can check their pre-approved offers and our new customers can check their pre-assigned limits by simply entering their mobile number and OTP. New customers, based on their profile, may be requested to provide additional documents.

Check pre-approved offers


Our Insta Personal Loan also offers flexible repayment tenures that range up to 63 months. As part of the procedure, you can select the tenure that fits you the best.

Benefits of an instant personal loan

  • Faster processing: You do not need to go through a lengthy approval process associated with regular loans.
  • Instant funding: Since you are screened for your creditworthiness beforehand, the loan disbursal process is significantly shortened.
  • Flexible tenures: With our Insta Personal Loan, you can pick a convenient repayment tenure ranging up to 63 months.
  • Minimal documentation: Insta Personal Loans require minimal documentation for loan processing.

*Terms and conditions apply.

To learn more about this and to check your offer online, you can click on this link and visit our Insta Personal Loan page.

Check Offer

Frequently asked questions

What are the documents required for an instant personal loan for self-employed individuals?

Usually, you do not have to submit any documents to get an Insta Personal Loan, since it is pre-approved. Both salaried as well as self-employed individuals can get pre-approved offers. In case you are asked for documents, you will only need the following:

  • KYC documents such as Aadhaar, passport, driving license, voter’s ID, or a Letter of National Population Register
  • PAN card
  • Cancelled cheque
  • Bank account statements for the last 3 months
  • Salary slips for the last 3 months
What are the tenure options available for an Insta Personal Loan?

We provide a tenure ranging up to 63 months for Insta Personal Loans. You can pick a tenure that suits your needs.

What is the maximum Insta Personal Loan amount I can get?

You can get an Insta Personal Loan offer of up to Rs. 12,76,500 based on your creditworthiness.

How do you repay the Insta Personal Loan?

You can repay your Insta Personal Loan through EMIs by setting up a NACH mandate with your bank.

Can you get a personal loan without bank statement?

If you have a pre-approved offer, you may be able to get a personal loan without bank statement. Select customers can get their Bajaj Finance Insta Personal Loan without submitting any documents such as income proof or bank statements.

How to apply for a loan without bank statement and salary slips?

You can choose to go with pre-approved loan offers, such as those provided with out Insta Personal Loan. Select customers may not have to submit any documents, including bank statements and salary slips.

What is the minimum income requirement for an instant personal loan without a salary slip?

Since our Insta Personal Loans come with pre-approved offers, you do not have to check salary requirements. We extend these offers after verifying borrowers for their creditworthiness.

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*Terms and conditions apply