Get a personal loan without a PAN card with an alternate address and income proof. Yes, you can take a loan without PAN Card.Some lending companies provide loans without a PAN card but will require proof of your credibility to repay the loan. How to apply for online loan without PAN Card. The corporation, Dispo Sales Service Corp. , was not utilized during the marriage to defraud existing creditors of either said corporation or of the parties. As per the government guidelines, you cannot get a personal loan without PAN.