Loan without proof of income: when it is possible and at what cost

How to get a loan without proof of income?

Some non-bank lenders accept applications without a classic salary slip.

Instead of a certificate, they check your bank history, self-employment income or the last three monthly statements.

Even without a certificate, the lender still has to assess whether you can repay.

The maximum indebtedness rule set by the central bank caps instalments at 40% of net monthly income for loans in lei, and a serious lender respects that ceiling whatever documents it asks for.

This type of loan costs more than a bank loan, because lighter income checks raise the risk the lender takes on.

Compare the APR, not just the monthly instalment. Read our guide on what APR means before you sign.

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• ✓Accepts income from freelancing, royalties, rent or allowances
• ✓Assessment based on your bank statement, not a salary slip
• ✓Usually a smaller amount and shorter term than at a bank
• ✓Higher APR, read the representative example before signing

What replaces the salary certificate

A three-month bank statement can show regular income, but a lender may also request a service contract, pension decision or tax return.

In 2026, editor Bogdan Băicu starts by checking whether the income source is repeatable, not whether a document carries an employer letterhead.

For 6,750 lei over 24 months, prepare the complete statement rather than a balance screenshot. Compare APR and total repayment with your debt-to-income estimate.

The lender must still assess creditworthiness; see ANPC information and the NBR registers.