This has been an extremely horrible and frustrating experience. I cleared my existing loan in good faith and immediately applied for a reloan. However, when I checked the status, it has been stuck at Application in progress with no clear update.I have made multiple attempts to contact the credit manager assigned to my case, but he has completely ignored my messages and has not answered any of my calls. This lack of response and accountability is very disappointing and unacceptable. What makes this situation even more painful is that I have been a loyal and regular customer of SOT, yet I am being treated this way. I never expected such poor service and unprofessional behavior.

I’ve been using SOT for a while now, and I have to say it’s one of the most reliable and user-friendly apps out there! The application process is super easy, and I was able to apply for a loan within minutes. The approval process is fast, and I received my funds quicker than expected. I also appreciate how transparent the app is with interest rates and repayment terms. The interface is smooth, and the customer support team is always ready to assist whenever I need help. If you’re looking for a convenient and trustworthy loan app, I highly recommend SOT . It’s been a game-changer for me!

I had a very disappointing experience with Salary On Time. I applied for a loan, but my application remained under processing for an unnecessarily long time.Whenever I contacted customer support, I was repeatedly told that my loan had been approved and that a Credit Manager would contact me for the next steps. However, I never received any call or WhatsApp message from any Credit Manager.Even after waiting for several days, my application is still showing "Under Process." After repeatedly following up and getting no proper resolution, I finally informed them that I no longer wanted to continue with the loan application. Despite this, my application is still under process and has not been cancelled.Their email responses are also very slow, also never replies quickand every follow-up takes a long time. I have never seen any loan app take this much time to process an application while providing no clear updates.The customer support team is not supportive and keeps giving the same response instead of resolving the issue. Overall, it has been a frustrating and disappointing experience.

My experience with Salary on Time and Credit Manager Mohammed Saif was simply awesome.He explained everything to me very calmly and clearly, making the entire process smooth and stress-free. I truly appreciate his dedication — he accepted my loan application at 6 PM and continued assisting me patiently until 11 PM, even though it was outside regular working hours. His professionalism, responsiveness, and positive attitude throughout were truly commendable.Thank you, Mohammed Saif, for your outstanding support!