How to Get a Personal Loan with Aadhaar and PAN Only

In today’s digital-first world, securing a personal loan no longer requires lengthy paperwork or endless bank visits. Thanks to technology and simplified KYC norms, you can now get a personal loan with Aadhaar and PAN card. Yes — no income proof, no salary slip, and no stress!

This blog explains how you can apply for an instant personal loan using minimal documents, and why Aadhaar + PAN loans are gaining popularity in 2025.

Why Lenders Now Accept Aadhaar and PAN for Loans

With the rise of digital banking, many NBFCs and fintech lenders are offering KYC-based paperless loans. Aadhaar and PAN form the foundation of identity and financial credibility. Here’s why:

• Aadhaar: Verifies your identity and address
• PAN: Tracks your financial and tax history
• Digital Footprint: Lenders use digital records and AI to evaluate risk

This means that even with basic documents, you can still be eligible — especially if your CIBIL score is fair and your digital footprint is healthy.

Benefits of Getting a Personal Loan with Aadhaar and PAN Only

🔹 Minimal Documentation:
No salary slip, bank statement, or guarantor needed.

🔹 Quick Approvals:
Get instant loan approvals within minutes or hours.

🔹 No Physical Verification:
Fully online process — apply from your smartphone.

🔹 Available to Salaried, Self-Employed & Freelancers:
Anyone with a steady income source can apply.

🔹 Credit Score Based Offers:
Get customized offers based on your PAN-linked credit profile.

Who Can Apply Personal Loan with Aadhaar and PAN?

Anyone who meets the following criteria can apply for an Aadhaar + PAN based personal loan:

Criteria	Requirement
Age	21 to 58 years
Residency	Indian citizen with valid Aadhaar
PAN Card	Must be active & linked with Aadhaar
Income	Minimum ₹15,000–₹20,000/month (varies)
CIBIL Score	600+ (flexible for NBFCs)

Where to Apply?

Here are some top platforms where you can apply using just Aadhaar & PAN:

1. Better Loan Solutions – Fast, flexible, and CIBIL-friendly!
2. PaySense
3. KreditBee
4. LazyPay
5. CASHe
6. MoneyTap

Note: Eligibility and interest rates vary depending on the platform and credit score.

Step-by-Step Guide: Apply in Minutes

Here’s how to apply:

Step 1: Choose a Trusted Loan Provider

Visit a reliable website like BetterLoanSolutions.in.

Step 2: Fill Out Basic Details

Enter your name, mobile number, Aadhaar and PAN details.

Step 3: Complete e-KYC

You’ll receive an OTP on your Aadhaar-linked phone for digital KYC verification.

Step 4: Loan Offer Evaluation

Based on your PAN and credit score, you’ll get a personalized loan offer.

Step 5: Accept Offer & Get Disbursal

Accept the offer, complete the e-sign process, and get the money directly in your account!

What is the Loan Amount Range?

• Loan Amount: ₹5,000 to ₹5,00,000
• Tenure: 3 months to 5 years
• Interest Rate: Starts from 11% p.a. (may vary)
• Processing Fee: 0% to 3% depending on provider

Common Questions (FAQ)

Q: Is income proof not required at all?

A: Some lenders may request access to your bank statement or UPI activity, but not traditional salary slips or ITRs.

Q: Is this safe?

A: Yes, if you apply through RBI-registered NBFCs and trusted platforms like Better Loan Solutions.

Q: Can students or unemployed individuals apply?

A: Not usually. You must have some form of income (job, freelancing, rental, etc.).

Pro Tips to Increase Your Chances

Keep these in mind:

• Ensure your PAN is linked with Aadhaar
• Maintain a good CIBIL score
• Apply during working hours for faster processing
• Avoid applying on multiple apps at once (can affect credit score)

Conclusion

Getting a personal loan using only your Aadhaar and PAN is no longer a dream — it’s a digital reality in 2025. If you have a genuine need and meet basic eligibility, platforms like Better Loan Solutions can help you get funds without hassle.

Apply Now – Quick Loan with Aadhaar & PAN Only!