How Much Loan Can I Get on My Salary?
Lenders don't lend what you ask — they lend what your income can absorb. This uses the same FOIR (Fixed Obligation to Income Ratio) logic their credit engines apply.
What moves the number
- Bureau history: clean repayment track → higher band; recent bounces → lower or declined
- Salary mode: bank-credited salary verifies instantly; cash salary shrinks options sharply
- Existing app loans: every live small loan eats headroom — lenders can see them all
- Employer: recognisable employers and platforms (for gig work) improve confidence