Personal Loan with ₹35,000 Salary – Apply Online Up to ₹5 Lakh

Did you know that if you earn ₹35,000 per month, you can easily qualify for a personal loan up to ₹5 lakhs? 

Have you ever noticed how most people believe personal loans are only for high-income earners? That’s no longer true. Today, many NBFCs, banks, and digital lending platforms offer instant personal loans to individuals with monthly salaries starting from ₹15,000, and earning ₹35,000 makes you a strong candidate. 

Whether you need funds for a medical emergency, home renovation, education, or travel, getting a personal loan with ₹35,000 salary is quick and hassle-free — especially through platforms like WeCredit. 

Can You Get a Personal Loan with ₹35,000 Salary? 

Yes, if you earn ₹35,000 per month, you are eligible for a personal loan from most NBFCs, fintech lenders, and even banks. Based on your income and credit profile, you may be eligible for loan amounts ranging from ₹1 Lakh to ₹5 Lakhs with flexible repayment options. 

Getting a loan today is no longer limited to those with high salaries or long credit histories. WeCredit makes it even easier by helping you: 

• Compare multiple offers from top lenders 

• Check eligibility instantly 

• Apply 100% online with minimal paperwork 

• Get quick disbursal into your bank account 

How to Get INR 50,000 Loan on an Aadhar Card

Eligibility Criteria 

Here are the standard eligibility requirements for a ₹35,000 salary personal loan: 

• Age: 21 to 58 years 

• Income: ₹25,000–₹35,000 per month (varies by city and lender) 

• Employment: Salaried with a stable job (private or government) 

• Job Tenure: Minimum 6 months in current job 

• Credit Score: 700+ (good credit history preferred) 

• Location: Indian resident with valid ID & address proof 

Document Required 

Here’s a list of commonly required documents: 

Document Type	Examples
ID Proof	Aadhaar Card, PAN Card
Address Proof	Aadhaar, Passport, Voter ID, Utility Bill
Income Proof	Last 3 months’ salary slips or bank statement
Employment Proof	Company ID or offer letter
Others	Passport-size photo, eKYC authentication

Top Lenders Offering Personal Loans for ₹35,000 Salary 

Here are some trusted platforms and NBFCs you can apply to through WeCredit: 

Lender	Loan Amount Range	Tenure	Highlights
WeCredit	₹10,000 – ₹5,00,000	3 – 60 months	Compare offers from multiple lenders easily
MoneyView	₹5,000 – ₹5,00,000	3 – 60 months	Low interest, fast approval
KreditBee	₹1,000 – ₹2,00,000	3 – 15 months	Ideal for short-term loans
Nira	₹10,000 – ₹1,00,000	3 – 12 months	Easy loan for low to mid-income earners
Paysense	₹5,000 – ₹5,00,000	3 – 60 months	Flexible EMI options

Tips to Increase Loan Approval Chances 

Here are some quick tips to boost your approval chances if you earn ₹35,000/month: 

• Maintain a credit score above 700 

• Avoid too many loan applications at once 

• Apply with trusted lenders via platforms like WeCredit 

• Provide accurate and complete documents 

• Limit your existing EMIs to stay within the lender’s acceptable EMI-to-income ratio 

Conclusion 

If you’re earning ₹35,000 per month, you are well-qualified to apply for a personal loan with flexible EMIs and quick disbursal. With platforms like WeCredit, the process is simple: compare multiple offers, check your eligibility in minutes, and apply online without any paperwork hassle.