How Can I Get a Loan Without Proof of Income?

man writing on a document with a fountain pen

Proof of income documents can be difficult to produce, especially on short-term notice. Not everyone has the right documents during cases of financial emergencies, making it difficult to apply to most lenders. Even if you have steady employment, you might not have the proper documentation on-hand to make a quick loan application.

So how do you get a loan without proof of income? Need Money Now provides borrowers with a simple and stress-free loan application process that requires none of the official proof of income that most lenders require.

Our income verification process simply requires your bank details as well as possible employment verification, and then any loan can be processed and transferred immediately.

What is Proof of Income?

When applying for a loan, most banks and lenders will require you to produce documentation for proof of income. Proof of income documents typically include:

  • Pay stubs
  • Tax returns
  • Bank statements
  • Tax and wage statements, and any other relevant forms

If a person is unable to provide the documents listed above, they can try producing the following documents, depending on whether they have steady income, self-employment, or unearned income:

Steady IncomeSelf-EmploymentUnearned Income
Documentation of current incomeTax returns


Annuity statement
Pay stubBookkeeping recordsProof of residuals or inheritances
Time sheets or payroll receiptQuarterly profit and loss statementProof of any other income, such as bonus, incentives, royalty, or more

Getting a Loan Without Proof of Income

At Need Money Now, you can get a loan without proof of income if:

  • You have permanent and steady employment
  • You are regularly paid (over $400 net per week)
  • You are paid automatically through electronic bank transfer every payday
  • Your income is not benefits income (including disability benefits) and your employment is not self-employment

What Acts as Proof of Income at Need Money Now?

Instead of supplying the usual official documentation as proof of income, Need Money Now makes it easier for potential loan applicants. Our loan application requires the following information:

  • Your basic personal information
  • Your employment and payroll details
  • Your bank details
  • The purpose of your loan
  • Your expenses per pay period

With your bank details, our automated system will check your recent transaction history to confirm that your pay is consistent and you have the stability to pay off your loan without hassle. No need to worry – Need Money Now never has access to your personal bank details, and your details are never stored on any database.

If necessary, and if you are a first-time loan applicant, Need Money Now will contact your employer to confirm your employment. No information on your loan application will be disclosed to your employer.

Secure Your Need Money Now Loan Today

Need Money Now is the home for quick, easy, and instant loans in New Zealand, and we have served thousands of Kiwis in tight situations just like you for years. Our simple and pain-free application process can be completed in just a few minutes, and your loan can be processed and transferred to your account within an hour.

Send in your Need Money Now loan application today.