Fibe Personal Loan

Here are a few factors

How To Apply
Product Rating

( 4.5 /5 )

Total - 528 ratings


Mode of Process



PAN India

Lending Size & Tenure

Upto 5 lakhs (60 months)


18.00% p.a.

ROI (Fixed/Reducing)



As per policies

Processing charges


Partial Payment Allowance


Dealing in Unsecured OD



100% digital process with instant loan approvals.

Fibe Personal Loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %12 %
Tenure (months)12
Emi (monthly)8,885
Total Interest6,619
Loan Amount + Interest106,619
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
56,8785,31762,19543,12256.88 %
Jun7,8851,0008,88592,1157.89 %
Jul7,9649218,88584,15115.85 %
Aug8,0438428,88576,10823.89 %
Sep8,1247618,88567,98432.02 %
Oct8,2056808,88559,77940.22 %
Nov8,2875988,88551,49248.51 %
Dec8,3705158,88543,12256.88 %
43,1231,30244,4250100.00 %
Jan8,4544318,88534,66865.33 %
Feb8,5383478,88526,13073.87 %
Mar8,6242618,88517,50682.49 %
Apr8,7101758,8858,79691.20 %
May8,797888,8850100.00 %
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.

Get the right Finances with Fibe

Eligibility to apply for a personal loan with Fibe 

  • For applying for an Fibe (formerly EarlySalary) personal loan:
  • It would help if you were a salaried individual earning a minimum salary of Rs. 15,000
  • It would help if you were a resident of India
  • Your age should be between 21-55 years
  • You should submit the below documents of the application or the website itself:

PAN Card

Aadhaar Card

. Your Bank Statement

Driving Licence

Voter ID

Your selfie

Highlights of Fibe Personal Loan

  • Loan amount: up to Rs. 5 lakhs
  • Form 16 of last 2 years
  • Loan tenure: up to 60 months
  • Interest rate: 18.00% p.a.
  • Eligible applicant age: between 21 years to 55 years
  • Metro Cities: Minimum monthly salary of the applicant: Rs. 18,000
  • Non-Metro Cities: Minimum monthly salary of the applicant: Rs. 15,000
  • Processing Fees: 2% of the actual loan amount

Key features of SalaryCard

  • This card allows you to pay your loan payments on or before the EMI dates at zero interest.
  • This card is not going to impact your credit score utilization
  • This does not have any joining fees or annual fees
  • The card allows you to choose the tenure of your wish for repaying the loan EMIs

Rebranding of Early Salary to Fibe

The most trending digital lending platform, EarlySalary, has rebranded itself as Fibe in September 2022 after achieving an AUM (assets under management) of approx $2.3 billion over the next five years. Fibe aims to extend the operations of this platform and build a significant presence with its outstanding product lines. This newly branded company seeks to create a more extensive network of BNPL partners and expand its presence, especially in tier III and IV cities.

EarlySalary has worked hard in its time as the best Salary Advance Business. Over the years, they have launched multiple personal loan options and have always satisfied their users. They have a diverse customer base with positive feedback about the company. And now, with Fibe, even a new website has been created for the same, as "".

The name Fibe is a mixture of "Finance and Vibe" that shows the brand's efforts in providing hassle-free financial experiences to its users. As of now, in the current date, the company has around 3 million loans, a total worth more than $1 billion till now. The two main things that EarlySalary used to offer to their customers and even Fibe is offering currently are personal loans and Salary cards. So let us know a bit more about these two best services of Fibe.

Let us take an example, How EMI is being calculated

For instance, if "Himanshu" applies for a Fibe (formerly EarlySalary) Personal Loan of INR ₹100000 and get the loan sanctioned at the rate of 18% with a tenure range of 30 Months , in such a case his EMI would be INR ₹4,164 and complete repayment amount till the end of 30 Months tenure would be INR ₹1,24,918 (i.e ₹4,164 EMI * 30 Months), wherein the total interest amount is INR ₹24,918 along with principal repayment of INR ₹4,164. Few additional charges like those of minimal one-time processing fee 2% of the disbursed amount + GST of loan amount may apply. T&C apply.
Year Principal
Total Payment
(A + B)
Balance Loan Paid To Date
2022 ₹ 2,664 ₹ 1,500 ₹ 4,164 ₹ 97,336 2.66%
Dec ₹ 2,664 ₹ 1,500 ₹ 4,164 ₹ 97,336 2.66%
2023 ₹ 35,262 ₹ 14,705 ₹ 49,967 ₹ 62,074 37.93%
Jan ₹ 2,704 ₹ 1,460 ₹ 4,164 ₹ 94,632 5.37%
Feb ₹ 2,744 ₹ 1,419 ₹ 4,164 ₹ 91,888 8.11%
Mar ₹ 2,786 ₹ 1,378 ₹ 4,164 ₹ 89,102 10.90%
Apr ₹ 2,827 ₹ 1,337 ₹ 4,164 ₹ 86,275 13.73%
May ₹ 2,870 ₹ 1,294 ₹ 4,164 ₹ 83,405 16.60%
Jun ₹ 2,913 ₹ 1,251 ₹ 4,164 ₹ 80,492 19.51%
Jul ₹ 2,957 ₹ 1,207 ₹ 4,164 ₹ 77,536 22.46%
Aug ₹ 3,001 ₹ 1,163 ₹ 4,164 ₹ 74,535 25.47%
Sep ₹ 3,046 ₹ 1,118 ₹ 4,164 ₹ 71,489 28.51%
Oct ₹ 3,092 ₹ 1,072 ₹ 4,164 ₹ 68,397 31.60%
Nov ₹ 3,138 ₹ 1,026 ₹ 4,164 ₹ 65,259 34.74%
Dec ₹ 3,185 ₹ 979 ₹ 4,164 ₹ 62,074 37.93%
2024 ₹ 42,160 ₹ 7,807 ₹ 49,967 ₹ 19,915 80.09%
Jan ₹ 3,233 ₹ 931 ₹ 4,164 ₹ 58,841 41.16%
Feb ₹ 3,281 ₹ 883 ₹ 4,164 ₹ 55,560 44.44%
Mar ₹ 3,331 ₹ 833 ₹ 4,164 ₹ 52,230 47.77%
Apr ₹ 3,380 ₹ 783 ₹ 4,164 ₹ 48,849 51.15%
May ₹ 3,431 ₹ 733 ₹ 4,164 ₹ 45,418 54.58%
Jun ₹ 3,483 ₹ 681 ₹ 4,164 ₹ 41,935 58.06%
Jul ₹ 3,535 ₹ 629 ₹ 4,164 ₹ 38,400 61.60%
Aug ₹ 3,588 ₹ 576 ₹ 4,164 ₹ 34,813 65.19%
Sep ₹ 3,642 ₹ 522 ₹ 4,164 ₹ 31,171 68.83%
Oct ₹ 3,696 ₹ 468 ₹ 4,164 ₹ 27,474 72.53%
Nov ₹ 3,752 ₹ 412 ₹ 4,164 ₹ 23,723 76.28%
Dec ₹ 3,808 ₹ 356 ₹ 4,164 ₹ 19,915 80.09%
2025 ₹ 19,915 ₹ 905 ₹ 20,820 ₹ 0 100.00%
Jan ₹ 3,865 ₹ 299 ₹ 4,164 ₹ 16,049 83.95%
Feb ₹ 3,923 ₹ 241 ₹ 4,164 ₹ 12,126 87.87%
Mar ₹ 3,982 ₹ 182 ₹ 4,164 ₹ 8,144 91.86%
Apr ₹ 4,042 ₹ 122 ₹ 4,164 ₹ 4,102 95.90%
May ₹ 4,102 ₹ 62 ₹ 4,164 ₹ 0 100.00%
Leave Your Question


Fibe (formerly EarlySalary) offers their customers the following types of personal loans: Travel loans, Shopping loans, and Skill upgrade loans.

Fibe (formerly EarlySalary) is being used in the below cities: Delhi/NCR (Delhi, Gurgaon, Noida, Greater Noida, Ghaziabad, Faridabad), Vijaywada Vishakhapatnam (Vizag), Jaipur Bangalore, Mangalore, and Mysore Chennai and Coimbatore Mumbai Chandigarh Bhubaneshwar Kolkata Hyderabad and Secunderabad Ahmedabad, Surat, and Vadodara Pune.

Fibe (formerly EarlySalary) takes only 2 hours to transfer the personal loan amount to the customer's bank account.

Fibe (formerly EarlySalary), now known as Fibe, is one of the leading financial startups that is RBI-approved and RBI-registered and is best known for lending instant loans.

No, you won’t need to provide any collateral to avail of a personal loan from Early Salary.

FIBE also known as Early Personal Loan is a financial services provider that offers personal loans to individuals. Previously known as EarlySalary, the company provides loans with interest rates that vary from 24% to 30% per annum. Borrowers can access loan amounts of up to INR 5 lakh and repay the loan over a period of up to two years. One of the notable features of FIBE's loan service is its rapid processing, with the company boasting of instant approvals and quick disbursals for its personal loans.

To apply for an EarlySalary personal loan, you will need to provide a selfie or passport-sized photograph, identity proof such as a passport, Aadhaar card, PAN card, or driving license, address proof like a passport, rental agreement, utility bills, or voter ID, and income proof which includes bank statements and salary stubs for the last 3 to 6 months.

FIBE, previously referred to as EarlySalary, is a financial organization that provides personal loans to its clients. These loans come with interest rates that fall within the range of 24% to 30% per annum and allow borrowers to obtain loan amounts of up to Rs. 5 lakh with repayment periods that last up to 2 years. One of the key advantages of obtaining a loan from FIBE is their rapid loan processing, which includes immediate approvals and quick loan disbursals for personal loans.

To be considered eligible for an EarlySalary personal loan, an individual must meet certain criteria. Firstly, the applicant must be a resident of India. Secondly, they must fall within the age range of 21 to 55 years old. Finally, the applicant must meet a minimum salary requirement, which is set at Rs 18,000 for metro cities and Rs 15,000 for non-metro cities. By meeting these criteria, an individual may be able to successfully apply for an EarlySalary personal loan and receive the financial support they require.

Yes, Fibe is a leading RBI-registered fintech start-up in India known for its personal and instant loan products.

You can get a loan from Fibe by filling out an online form with your personal and professional information. After selecting Fibe as your lending partner and specifying your loan details, such as the desired loan amount and tenure, your application will be processed.

Fibe charges interest based on the number of days you have the credit, and there are no prepayment or foreclosure charges. You can even choose to repay the loan in as few as 5 days and only pay interest for that period.

Fibe is a secure platform that not only disburses loans quickly but also ensures the safety of your data. Millions of dollars have been safely disbursed to numerous satisfied customers.

Yes, Fibe does check the CIBIL Score of loan applicants before processing the personal loan application.

Akshay Mehrotra is the Co-Founder & CEO of Fibe.

The minimum salary requirement for Fibe loan applicants varies based on the role they are applying for. For example, the minimum salary for a Collections Executive is ₹2.8 Lakhs per year and for a Sales Executive is ₹3.0 Lakhs per year.

The processing fee for a Fibe personal loan is 2% of the loan amount plus GST. Late payment charges are up to 3% of the amount due per month. If the repayment instrument is rejected, the charges are ₹250 per rejection.

Fibe operates as an NBFC and also lends through its other partners. It provides instant loans to salaried individuals earning between ₹1.5 lakh and ₹10 lakh per annum, with the money transferred directly to the borrower's bank account.

What are the benefits of using the Fibe app?

The Fibe app is a new-age lending platform that makes loans and financing more accessible to everyone through the use of advanced customer profiling tools. As a fully online lending platform, customers can easily apply for a personal loan through the Fibe app.

The maximum loan amount available through Fibe's Salary Advance product is ₹5 lakh, with repayment options between 3 to 24 months.

PayMe India is a similar app to Fibe, as it is also a fintech start-up providing short-term loans to corporate employees. Through PayMe India, you can easily obtain an instant personal loan of up to ₹2 Lakhs.

After you have submitted all the necessary documents, EarlySalary aims to process and approve your loan in a prompt manner, typically within 2 hours. Once your loan has been approved, you will be able to transfer the funds to your bank account in just a few seconds.

Fibe provides Earned Wage Access, Fibe Shakti, and Fibe Salary Advance to employees facing short-term financial needs, through its Employer Tie-up program.

Earned Wage Access is a credit facility that allows employees to withdraw a portion of their accrued income at any time during the month, through the payroll system. This facility comes with a nominal fee and approval can be obtained within 5 minutes.

Fibe Shakti is a short-term advance loan option designed specifically for blue-collared workers. This loan offers up to 1.5 times an employee's salary, with repayment terms of 3 months.

Fibe Salary Advance is a loan option that provides employees with up to INR 5 lakh to be repaid over a period of 3 to 24 months. This loan also offers a 0.5% reduction benefit on interest rates.

EarlySalary (Fibe) offers personal loan interest rates that range from 24% to 30% p.a., based on the customer's profile and eligibility score.

EarlySalary (Fibe) does not have any prepayment charges for its personal loans.

The Fibe Instant Cash Loan is an unsecured loan meant to help borrowers cover unexpected expenses such as home repairs, unplanned travel, or sudden medical expenses. The loan amount ranges from Rs 5,000 to Rs 5 lakh.

The purpose of Fibe Laptop Loan is to help borrowers purchase laptops. The loan amount ranges from Rs 8,000 to Rs 5 lakh.

The purpose of Fibe Kitchen Appliances Loan is to provide an instant personal loan facility to borrowers who want to purchase kitchen appliances such as gas, stove, induction cookers, grinders, etc. The loan amount for this loan ranges from Rs 8,000 to Rs 5 lakh.

The purpose of Fibe Refrigerator Loan is to help borrowers purchase refrigerators. The loan amount offered is between Rs 8,000 to Rs 5 lakh.

The purpose of Fibe AC Loan is to allow borrowers to purchase air conditioners. The loan amount available through this loan facility is Rs 8,000 to Rs 5 lakh.

The Fibe Washing Machine Loan is an instant personal loan offered by Fibe to help borrowers purchase washing machines. The loan amount offered by Fibe ranges from Rs 8,000 to Rs 5 lakh.

Fibe Smart TV Loan is an instant personal loan facility offered by Fibe, which can be availed by borrowers to purchase smart TVs. The loan amount offered ranges from Rs 8,000 to Rs 5 lakh.