Fibe Instant Personal Loan App 4+

Instant Cash Loan| Credit Line

Social Worth Technologies Private Limited

Designed for iPhone

    • Free

iPhone Screenshots


Fibe is an instant loan app that offers personal loan to salaried individuals for upto ₹5 lacs at low interest rate.Quick disbursal with minimum paperwork & no collateral

Get an Instant Personal Loan for all your needs. Check your eligibility within the app and get instant approval in no time. Our easy application process, minimal documentation, and quick approval ensures you never miss out in life. Go ahead and get an instant cash loan online with the Fibe Personal Loan App.

First Instant Personal Loan App in India
Key features:
• Loan amount:  ₹ 5,000 - ₹ 5 lacs
• Loan in just 2 minutes
• Tenure: 3 – 36 months
• 100% digital process
• Minimal paperwork
• No collateral required
• No pre-closure charges   

Fibe (Formerly EarlySalary) is one of the most trusted lending apps
• ₹ 17,000+ crores worth loans disbursed
• 5.5 million+  loans disbursed 
• 21 lacs+ happy customers

Here’s an example on how loans from Fibe (Formerly EarlySalary) work
• Loan amount: ₹ 50,000
• Processing fee (2% of loan amount * 18% GST) : ₹ 1,180
• Total Loan amount: ₹ 51,180
• Interest: 24% p.a. (on reducing principal balance interest calculation)
• Tenure: 12 months
• Your EMI: ₹ 4,840
• Total Amount to be paid: ₹ 4,840 x 12 = ₹ 58,075
• Total interest paid: ₹ 58,075 - ₹ 51,180 = ₹ 6,895
• Total cost of loan: ₹ 6,895 + ₹ 1,180 = ₹ 8,075
• APR (Annual Percentage Rate) : 28.58% 

Eligibility Criteria
• Salaried Individuals
• Above 21 years
• Minimum take-home salary per month ₹15K

Documents Required For Instant Cash Loan
Fibe (Formerly EarlySalary) aims to be one of the most user-friendly Instant Personal loan apps in India.
• PAN 
• Aadhaar card
• Salary account bank statement

 How to apply for an Instant Loan?
1. Login to the Fibe (Formerly EarlySalary) app.
2. Fill in some basic details and upload few documents. 
3. Choose the loan amount and tenure.
4. Get the money transferred to your account in 2 minutes.

Personal Loan interest rates and other charges
Below is the applicable fees and charges for loan products from Fibe (EarlySalary): 
Interest rate: Starting 2% per month
Processing fee: Up to 3% of the loan amount
Bounce charges: ₹ 500
APR (Annual Percentage Rate): Ranges between 16.75% to maximum 74%
Late payment charges: ₹ 500 or 3% of the loan amount whichever is higher as per overdue amount
Stamp duty: 0.1% of loan amount
Mandate rejection charges: ₹ 250 + GST
Pre-closure charges: ₹ 0  

A penalty is charged only when someone delays their scheduled payment. In addition, GST will be applicable only on the fee components as per Indian laws. All the customers are made aware about details regarding fees and charges through the agreement which is shared on their registered email ids, also the customers can access their loan details 24*7 through our App.  

About Fibe (EarlySalary)
Fibe (EarlySalary) App is owned by Social Worth Technologies Private Limited who facilitates Lending related services primarily through our in-house RBI registered NBFC, EarlySalary Services Private Limited (Formerly known as Ashish Securities Pvt. Ltd.). It is one of India’s leading digital lending apps focused on young, aspirational and tech-savvy Indian consumers. It is a financial ecosystem that enables the mid-income group to upgrade their lifestyle. It hosts an array of financial products like short-term Instant Cash Loans, long-term Personal Loans, Buy Now Pay Later plans. Fibe (EarlySalary) offers a 100% digital loan application process that takes just minutes to complete. It is ISO/IEC 27001 certified and its app is PCI DSS compliant to ensure better data security. It won the Best Fintech Startup Award at G20 DIA Mega Summit. 
Our lending partners:
• Earlysalary Services Private Limited (Formerly Known as Ashish Securities Private Limited)
• Northern Arc Capital Limited
• Incred Financial Services
• HDB Financial Services
• Vivriti Capital Limited
• Kisetsu Saison Finance (India) Private Limited
• Piramal Capital and Housing Finance Limited
• Aditya Birla Finance Limited

How to contact us:
Telephone: 020-67639797

What’s New

Version 11.12

-Download to approval in just 8 questions
- An easy-to-use and engaging conversational UI
- Faster loan application with instant approval
- A smoother, more seamless interface
- A new refreshed look and feel to the app

Ratings and Reviews

4.6 out of 5
33.5K Ratings

33.5K Ratings

Pankaj 1987 ,

Best app ever

I would say they are the best in terms of processing speed and process , you will have to spend some time for very first time and then good for availing second time (once closed the previous one ), I have had availed almost every two months and never faced any challenge , however their CIBIL update is little slow as I am now at 721 as per CIBIL , but they still shows 656 ( Equifax)… which is actually a hurdle to get increase in limit , they need to work on this , otherwise they are best in market with less interest rate irrespective of your CIBIL , the best part is they pre-closure, no extra charge …. Kudos to team …

S R Gayathri ,

Worst Ever Service after taking loan

I am a fist time user of this app. To bo honest they are really good in processing the loan if everything is in place. I got the money creditted to my account in an hour or so. The real pain is after taking the loan. I scheduled a time for picking up documents between 10 Am to 1 pm the same day. They send a message that executive Arvindum Srinivasan will come and collect the stuff in given time. I waited and waited at last the so called excutive called by 5 pm and said I cannot come today maybe I can try to collect stuff from you on Monday (the day in question was saturday). Again I waited on Monday and nothin till 1 pm and then he calls and says Can I come now I was outside and I said so and asked why cant they stick to the wchduled time. Ohh you are talking rules I know how to deal with tou and he hung up. I have tried calling the support number 7 times and send 4 emails and 3 feedbacks no one cares to respond. People if you don't need any service just money use this else do not use them. They just don't respond.

Divviii ,

Bas customer service

Although the loan process is quick and hassle free but the executives are completely maneer less. I had always paid my EMI on time but once it got late i had already updated them that my accounts have been blocked by IT department and will open on 1st. I clearly told them that i will pay after that you can apply late charges. But still the company executives have been mentally harassing me by saying that no you have to pay anyhow.

This is not acceptable. As per RBI recovery is completely illegal. You can only apply late charges. Even after updating multiple times, sending an email i am still facing the same issue. When someone transactions have been blocked how would someone pay.

I would suggest always take loans from bank not from such applications.

App Privacy

The developer, Social Worth Technologies Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Location
  • Identifiers
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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