EarlySalary app offers instant personal loans of up to 5 Lakhs for a maximum tenure of 36 months, at an interest rate starting from as low as 9/day.

Interest Rates   24% - 30% p.a
Loan Amount Up to 5 Lakhs
Tenure 6 - 36 Months
Loan Processing Fee 299 - 4,000
Types  Instant Cash Loan, Personal Loan, & Salary Advance Loan



EarlySalary is an innovative mobile app-based lending platform which offers small bridge loans to the eligible customers who have exhausted their salaries, to help them sail through until their next salary is credited. You can get an EarlySalary Loan of up to 5 Lakhs for a maximum tenure of 36 months, depending on the scheme type.

Features and Benefits

EarlySalary Instant Loan is loaded with the following attractive features and benefits:

  • Flexible loan amount: You can get a loan amount of 5,000 to up to 5 Lakhs, based on your eligibility criteria and the type of loan availed.
  • Low interest rate: These salary advance loans come at competitive rates of interest starting from as low as 9/day and can go up to 30% per annum, depending on your creditworthiness.
  • Flexible repayment tenure: EarlySalary Short Term Loan comes with flexible repayment tenure of up to 36 months, depending on the type of scheme you have applied for.
  • No collateral required: You do not need any collateral for this loan as it is based on your salary and comes with an auto-debit option.
  • Convert payments into EMIs: Once you have received your EarlySalary credit, you also have the option of converting various payments in 3 to 6 EMIs.
  • Easy prepayment options: If you wish to prepay your loan, you can do so without any added fees. You only have to pay the interest for the amount outstanding.
  • Low processing fees: The processing fees charged on these loans are minimal and can vary between 299 to 4,000, based on the loan amount that you apply for.
  • Transparent application process: The terms and conditions Early Salary personal loan are extremely simple and straightforward. All you have to do is download the Instant Loan App and follow simple instructions to receive your loan instantly.

EarlySalary Loan Interest Rate

EarlySalary loan interest rate can be as low as 9 per day and can go up to 30% p.a. of the loan amount sanctioned. The applicable interest rate is based on the creditworthiness of the borrower, the loan amount to be borrowed, and scheme type applied for. The loan amount offered is up to 2,00,000 and interest rate starts at just 9/day for 10,000.

Types of EarlySalary Personal Loans

  • Instant Cash Loan: With EarlySalary's Instant Cash Loan, get funds up to 5 Laks in minutes with instant processing time, no lengthy paperwork, attractive interest rate, and zero prepayment charges. The interest rate for this loan starts at as low as 9/day and repayment can be made in 6-36 months tenure.
  • Personal Loan: EarlySalary offers instant personal loan up to 5,00,000 with minimum documentation at an interest rate as low as 9/day and repayment tenure of 6-36 months. This loan includes the following three types:
    • Shopping Loan: With this personal loan, you can shop on EMIs with instant credit limit approved by EarlySalary and get vouchers for Amazon and Flipkart. Buy whatever you like online from Amazon & Flipkart and pay back later in easy 3 or 6 EMIs. The credit limit is up to 5 Lakhs and interest rate starts at 9/day.
    • Travel Loan: With EarlySalary's instant loan for travel, plan our travel expenses through MakeMyTrip without worries. This travel loan comes at an interest rate of as low as 9/day, with a borrowing limit of up to 5 Lakhs. Repayment of the loan can be made later in 3 or 6 EMIs.
    • Auto Loan: Buy a used car or brand new two-wheeler with this loan at the lowest rates of interest starting at 9/day. Get an amount up to 5 Lakhs and repay in flexible tenure of repayment of 90 to 730 days.
    • Consumer Durable Loan/ Electronic Loan: Purchase consumer durables with this loan of up to 5 Lakhs at interest rates as low as 9/day and repay later in 90 to 730 days tenure.
    • Education Loan: EarlySalary's education loan can be directly used to make fee payment if your institution is listed on their app. You can directly pay the fee with your EarlySalary credit limit (which can be up to 5 Lakhs). No paperwork is required and you can pay-as-you-use in 3/6/9/ 12 EMIs. The interest rate starts at as low as 9/day for this loan.
    • Wedding Loan: Now plan a wedding with EarlySalary's Wedding Loan by getting instant cash of up to 5 Lakhs.
    • Home Renovation Loan: With this loan, you can finance your interior design project. This loan provides an amount of up to 5 Lakhs at an interest rate starting from 9/day and tenure of 90 to 730 days.
    • Medical Loan: Get this quick medical loan for medical procedures and expenses. Get an amount up to 5 Lakhs with no prepayment charges, 9/day interest rate, and 90-730 days tenure.
  • Salary Advance Loan: You can avail this Personal Loan when you have exhausted all of your monthly salary and want advance salary to bear monthly expenses. EarlySalary offers salary advance loan up to 5 Lakhs with least documentation at interest rates as low as 9/day and tenure of 6-36 months.

EarlySalary Loan Eligibility

The customer must fulfill the following Early Salary Loan Eligibility Criteria in order to get approval on his or her loan application, as mentioned below:

  • The applicant should be above 21 years and below 55 years of age.
  • Minimum monthly salary requirement:  15,000 for Tier 2 & Tier 3 cities and 18,000 for Tier 1 cities.
  • The applicant must be an Indian citizen.
  • Your CIBIL score must be at least 600 or above.
  • The app currently offers instant cash loans in: 
Delhi New Delhi Gurgaon
Faridabad Noida Greater Noida
Ghaziabad Mumbai Navi Mumbai
Thane Pune  Chennai
Coimbatore Hyderabad Secunderabad
Surat Vadodara Bangalore
Mysore Mangalore Chandigarh
Ahmedabad Jaipur Bhubaneswar
Kolkata Visakhapatnam Vijayawada

Documents Required for EarlySalary Loans

The following documents must be uploaded to complete the registration process with EarlySalary instant loan:

  • PAN card
  • Selfie
  • Bank statement of last 3 months
  • KYC document (any one):
  • In some cases, customers may also be required to submit the following documents along with the above documents:
    • Last 3 months' salary slips
    • Current address proof (any one):
      • Gas bill
      • Electricity bill
      • Postpaid phone bill
      • Bank statement
      • Employment letter

Fees and Other Charges for EarlySalary Loans

Charge Type


Processing fee

299 - 4,000

Late payment charges

3% of outstanding amount each month, subject to a minimum of  500

Repayment Instrument Reject Charges

  250 per rejection

Charges for bouncing of repayment instrument

  500 per month

Stamp duty

100 - 200

Prepayment charges


*18% GST is applicable on all the charges mentioned above.

What is SalaryCard?

Earlysalary Card

SalaryCard is an end-to-end digital card offered by EarlySalary in minutes inside their app. This one of its kind card enables transaction on EMIs on any shopping, travel, wellness, and education website. You can control your spending limit for each of these categories and choose repayment tenure, all on your phone. This digital card offers zero-touch application process, card activation, transactions, and repayments.

Features of SalaryCard:

  • You can use SalaryCard for any online transaction above 3,000 by adding your card in the debit card section when making any transactions online.
  • You can convert your shopping above 3,000 into EMIs at any website.
  • You can set a default EMI tenure for all/select transactions.
  • Zero processing fees on EarlySalary transactions.
  • Get unique offers by RuPay and save up to 12,000 round the year.
  • Prepayment available at no extra cost.
  • Zero annual charges or card activation fee.
  • No physical card required.

EarlySalary Loan Repayment

You can repay your EMIs using the EarlySalary app through multiple options, as mentioned below:

  • You can activate Auto Payments for automatic payment of your dues on due date with 0 clicks. Just make sure that you have sufficient balance in the bank account on the due date.
  • If you wish to prepay (at zero charges), or if the Auto Payment facility is yet to be activated, you can pay via Net Banking or UPI.

Alternatively, you can also add EarlySalary as a beneficiary in your bank account to transfer money to them just like you transfer money to your friends/family via NEFT or IMPS.

Due to RBI regulations, EarlySalary dues cannot be repaid with a Credit Card or cash.

EarlySalary Loan Calculator

When you apply for a loan, make sure that you are aware of the EMI well in advance. That way, you can be sure that you will be able to make all the repayments on time without any burden each month.

You can Calculate your EMI for EarlySalary Loan with their personal loan EMI calculator given on their website under the EMI Calculator section. The Early Salary Loan Calculator helps you check the exact EMI amount that you will have to pay on the desired loan amount. All you need to do is select the desired loan amount and tenure.

You can also access the MyMoneyMantra EMI Calculator to get the exact EMI instantly.

EarlySalary Loan Process - How to Apply

There are three ways that you can submit your loan application for a salary advance loan:

Through the App

Mobile Number and Verify

  • Register as a user by providing the required details.

Personal Details


    • Upload documents as prompted by the application.
    • You will receive your credit score instantly.

Credit Score


    • Choose the amount required by you and the suitable repayment tenure.



  • Once you agree to all the terms and conditions, the application is processed.
  • If you are eligible for the loan and your application is approved, the loan will be credited to your salary account immediately.

Through the Website

  • Log on to earlysalary.com.
  • Sign Up by providing your mobile number and agreeing to all the loan conditions.
  • Provide necessary details as prompted by the website.
  • Upload the necessary documents.
  • Choose the suitable loan amount and repayment tenure.
  • Once the application is received and processed, the amount will be disbursed into your salary account.

Alternatively, you can also apply for a personal loan through MyMoneyMantra, one of the largest online finance platforms that connect users to 100+ leading lenders across the country.

Comparison of EarlySalary Personal Loan vs Other Lenders

Here is a comparison of EarlySalary Personal Loan with other Top Personal Loan providers in India:

Lender Name Interest Rate (per annum) Processing Fee Loan Amount Tenure

Early Salary

24% - 30%

Up to 4,000

5,000 - 5 Lakhs

90 days - 730 days


Starting at 13%

Up to 2% + GST

3,000 - 5 Lakhs

2 months - 36 months


2.75% - 3%

Up to 2%

7,000 - 3 Lakhs

62 days - 1 year

Money View

Starting at 15.96%

Starting at 2%

10,000 - 5 Lakhs

Up to 5 years


15% - 29.95%

Up to 6%

1,000 - 2 Lakhs

2 months- 15 months


11.99% - 59.99%

Up to 10% + GST

500 - 5 Lakhs

3 months - 36 months


EarlySalary Customer Care

You can contact EarlySalary through the following channels:

  • Phone: 020-67639797
  • Customer queries: care@earlysalary.com
  • Customer Level 1 Escalation: complaints@earlysalary.com
  • Customer Level 2 Escalation: grievance@earlysalary.com


✅ What are the repayment options available for EarlySalary Loans?

You can make repayments through the mobile app. You also have the option of providing an ECS or NACH to auto-debit the loan amount from your salary account. In this case, the EMI will be deducted from your account directly on the due date.

✅ Are late payments informed to Credit Bureaus?

Yes. All the lending partners and NBFCs are registered under RBI. As per the RBI guidelines, they are obligated to providing all the information on the repayments made by the customer towards the loan. This includes credit bureaus like Equifax and CIBIL as well. This may impact the chances of the user getting any suitable credit in the future. Therefore, it is recommended that repayments be made on time.

✅ What is the Refer a Friend Offer?

Each time you refer a friend to EarlySalary, you get incentives for yourself and your friend. You and your friend will receive  200 off on the loan amount that you have applied for.

✅ Is it possible to cancel or close the account permanently?

Yes. Customers have the option of closing an account permanently after clearing all outstanding dues towards the account. The customer will not be able to apply for an additional loan after the account has been deactivated. In order to deactivate the account, the customer has to send an email to care@earlysalary.com.

✅ In which cities this facility is available?

You can access EarlySalary from Delhi, New Delhi, Gurgaon, Faridabad, Noida, Greater Noida, Ghaziabad, Mumbai, Navi Mumbai, Thane, Pune, Chennai, Coimbatore, Hyderabad, Secunderabad, Surat, Vadodara, Bangalore, Mysore, Mangalore, Chandigarh, Ahmedabad, Jaipur, Bhubaneswar, Kolkata, Visakhapatnam, and Vijayawada.

✅ Why is social media data required?

EarlySalary uses social media data or any other social data that is available on your device in order to assess your application. The Social Worth Score is extremely important in determining the client profile. Therefore, it is recommended that users update all the information on Facebook, LinkedIn and other social media profile in order to get access to loans through the EarlySalary application. 

✅ How can I repay my EMI?

You can repay your EMIs using the EarlySalary app by activating Auto Payments. If you wish to prepay (at zero charges), or if the Auto Payment facility is yet to be activated, you can pay via Net Banking or UPI. You can also add EarlySalary as a beneficiary in your bank account to transfer money to them just like you transfer money to your friends/family via NEFT or IMPS.

✅ How can I contact EarlySalary for any queries/issues?

You can contact EarlySalary through the following channels:

  • Phone: 020-67639797
  • Customer queries: care@earlysalary.com
  • Customer Level 1 Escalation: complaints@earlysalary.com
  • Customer Level 2 Escalation: grievance@earlysalary.com

✅ Is EarlySalary an NBFC or a bank?

EarlySalary is a fintech that acts as a bridge between salaried professionals who are in need of urgent funds and lenders who can be banks or Non-Banking Financial Companies (NBFCs). It is a digital platform partnered with banks and NBFCs to offer short-term cash advance loans to salaried people.

✅ What is the interest rate of Early Salary?

The interest rate for EarlySalary Loans may vary between 24% and 30% per annum. 

✅ How can I get a salary in advance?

You can apply for a salary advance through one of the following two ways:

  • Sign-up from EarlySalary website and complete the loan application. However, for transferring loan money to your bank account, you will need to download the app.
  • Download the EarlySalary app from Apply App Store or Google Play Store and complete your application. You will get your sanctioned cash limit, which will be transferred to your account within minutes.

✅ Does Early Salary check the CIBIL score?

Yes. EarlySalary checks your credit score as it is a representation of your creditworthiness. While EarlySalary offers personal loans in spite of having a bad or no credit score, its importance in making any big financial decision cannot be dispensed with.

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