In most cases, when you apply for a personal loan, a few documents verifying your proof of income and employment should be enough to satisfy the loan company. You may need to submit paycheck stubs, bank statements, and/or tax documents. In some cases you may also need to submit a proof of income letter from your employer. Some lenders can verify your income by contacting your employer directly and requesting either verbal, email, or fax confirmation. They may also check the employment information on your credit report to see if it matches your submitted documentation. It goes without saying that you should never lie about your employment or income on a loan application. Lastly, as mentioned above, it's also possible (although challenging) to get a personal loan without income verification through a stated income loan. This type of loan may be a good option for you if you are self-employed or cannot qualify based on your current income.