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EarlySalary is now Fibe!

 Fibe, previously known as EarlySalary, is an online lending platform allowing you to access various credit facilities, the most popular of which is the Fibe Personal Loan. With its smartphone application, you can avail personal loans online anytime.


Moreover, as the Fibe Instant Loan is disbursed instantly, you can use it to meet your urgent expenses.

EarlySalary Personal Loan Details

Interest Rate

14% p.a. onwards

Loan Amount

Up to ₹5 Lakhs

Loan Tenure

Up to 36 months

Minimum Monthly Income

  • ₹15,000 (for those in non-metro cities)

  • ₹18,000 (for those in metro cities)

Disclaimer: The above-mentioned rates and figures are subject to change at the lender’s discretion. 

EarlySalary Personal Loan Interest Rates

Fibe lets you enjoy highly competitive interest rates on all its credit facilities. For instance, the EarlySalary loan interest rate starts from 14%. The personal loan interest rate is quite low when compared to other lenders in this segment. 

You can also compare the rates offered by other lenders before applying for a Fibe Personal Loan. It will help determine which loan offers best suit your financial requirements and capabilities.


Other than these benefits, Fibe also provides loans at cheaper rates for those having a not-so-exemplary credit history. On the other hand, most banks charge higher interest rates if your credit score is beyond a particular threshold.

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EarlySalary Personal Loan Processing Fees and Charges

Before applying for a Fibe Personal Loan, you must be aware of the associated processing fees and other charges. The following table presents different charges applicable to an EarlySalary Instant Loan:

EarlySalary Processing Fees and Charges

Processing Fee

Up to 2% of the loan amount

Prepayment Charges


Foreclosure Fees


Disclaimer: The processing fees and other charges are subject to Fibe’s policy changes. Check the lender’s website before applying for a loan.

EarlySalary Personal Loan Eligibility Criteria

Before applying for the loan, ensure you fulfil the EarlySalary loan eligibility criteria. Here are a few personal loan eligibility requirements: 


  • You must be a resident of India

  • Your age must be between 21 and 55 years

  • You must be a salaried individual

  • The minimum net monthly salary, if you live in metro cities, needs to be ₹18,000

  • The minimum net monthly salary, if you reside in non-metro cities, has to be ₹15,000 

EarlySalary Personal Loan: Documents Required

Submit the following list of documents required for a Fibe Personal Loan:


  • Identity Proof: PAN card

  • Address Proof: Aadhaar card, Voter’s ID, Utility bill, Driving licence, or Passport

  • Income Proof: The latest salary slips or the bank statements of the last 3 months

Calculate Your EMI

Calculating your EMI is always the best option before applying for a loan, as it helps you plan finances better. You can use a personal loan EMI calculator to calculate the monthly instalment. 


All you have to do is enter the loan amount, interest rate and tenure to get your monthly instalment amount instantly. 

Features and Benefits of EarlySalary Personal Loan

Customisable Loan Amounts

The Fibe Personal Loan is highly flexible and allows you to customise your loan amounts per your needs. You can borrow loan amounts up to ₹5 Lakhs.

Paperless Application Process

 With a Fibe loan, you do not have to complete lengthy paperwork to avail a credit facility. The entire personal loan application process is online and can be completed within minutes hassle-free.

24x7 Availability

Since the entire application process is online, you can apply for a loan at any time of the day that is convenient for you.

Flexible Repayment Tenure

Want to borrow funds but feeling stressed about repayment? Drop your worries, as you can conveniently repay your loan in easy EMIs over a tenure ranging from 3-36months.

Quick Disbursal

The entire process, right from approval to transfer of money to your bank account, can be completed in just a few minutes. Also, there are no charges for prepayment or foreclosure.

Comparison of EarlySalary Personal Loan Interest Rates with Other Partner Lenders

The table below presents the interest rates applicable to personal loans offered by different banks and NBFCs. You can compare these rates with the Fibe, formerly EarlySalary interest rate to determine the best-suited lending option for you: 

Partner Name 

Rate of interest (p.a., onwards)

Bajaj Finance Limited


PaySense Partners


Axis Bank








SMFG India Credit


Muthoot Finance


YES Bank


IIFL Finance







1.5% per month 

L&T Finance


Disclaimer: The above terms are subject to change at the lending partner’s discretion.

Know How EarlySalary Personal Loans Can Help You

The Fibe, formerly EarlySalary, Personal Loan does not have any end use restrictions, meaning you can use it for different purposes, including:


  • Covering the cost of your medical expenses

  • Paying off utility bills

  • Fund your travel and vacation

  • Renovating your home

How to Apply for EarlySalary Personal Loan

Applying for a Fibe, formerly EarlySalary, Personal Loan on Bajaj Markets is as easy as it can get. Here’s a quick look at the step-by-step process you have to follow when applying for an EarlySalary loan.

  • Online Form Filling: Enter your personal and professional details

  • Select your Lending Partner: From the list of personal loan partners, select Fibe (EarlySalary)

  • Specify Personal Loan Details: Once you fill in these details, specify your personal loan details, such as the loan amount required and loan tenure

  • Approval & Disbursal: Finally, once you submit all these details and the application is verified, your loan will get instantly approved and disbursed within minutes.

Fibe Customer Care Number

EarlySalary's customer service phone number is 020-67639797, and you may reach out to them at any time. This number may be used to lodge any concerns or ask any questions that you may have. 

If your concern/question to the EarlySalary customer service staff is not handled in the first instance, you may escalate your claim to level 1. If it still remains unresolved, you can contact level 2 of the customer redressal. 


To escalate your complaint(s), please use the following email addresses:

  • Level 1: grievance@earlysalary.com   

  • Level 2: complaint@earlysalary.com

 Level 2 escalation is only applicable if you have previously escalated to level 1, and the resolution given was insufficient/none was provided.

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FAQs on the EarlySalary Personal Loan

You cannot cancel a Fibe, formerly EarlySalary, Personal Loan once you have availed it through the application. However, you can foreclose your loan with zero foreclosure charges.

Yes, EarlySalary is registered with the Reserve Bank of India (RBI) and is authorised to provide credit facilities to individuals.

If you do not pay your Fibe, formerly EarlySalary,  loan on time, penalties and other charges for non-payment will be levied. That’s not all. Your credit score will also take a hit.

Yes, your credit score will improve if you pay your EMIs on time. However, the score can be impacted if you fail to repay the loan within the chosen tenure.

Fibe charges an attractive interest rate starting from 14% on the loan amount, depending on the tenure.

To avail a Fibe Personal Loan, you must be a resident of India between 21 to 55 years of age. Moreover, you must be a salaried individual with a minimum monthly salary of ₹15,000 (if in non-metro cities) or ₹18,000 (if in metro cities).

You can repay your Fibe personal loan through debit cards, net banking, mobile wallets, or UPI.

You can apply for a Fibe loan on Bajaj Markets.

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