A payslip is one way to prove income, not the only one. What a credit provider needs is evidence that money arrives regularly and that you can afford the repayment.
What is usually accepted instead
- Three months of bank statements showing regular deposits — the most common substitute.
- A letter from your employer confirming income, where you are paid in a way that produces no payslip.
- For self-employed applicants, business bank statements and, for larger amounts, financial statements.
What will not work
Cash income that never touches a bank account is very difficult to lend against, because it cannot be verified. If you are paid in cash, depositing it consistently builds the record that makes credit possible later.
Affordability still applies
Whatever the proof, the provider must still complete an affordability assessment. No documentation shortcut removes that requirement — and any lender suggesting otherwise is not one you want.