Freelancers can now secure personal loans by demonstrating stable income through invoices and client contracts, even without traditional salary slips. Lenders assess overall financial health, focusing on income reliability and regularity. A credit score of 750 or above is ideal for better rates, though scores around 650 may still qualify. Interest rates for freelancers typically range from 9.9% to 26% annually, potentially higher than for salaried individuals. Careful documentation and checking the total loan cost are crucial for approval.