Instant Unsecured

Personal Loans, With EarlySalary

Life is full of expenses - both essential and aspirational. Funding either (or both) of them should really not be an issue. Not when you have EarlySalary’s personal loans to assist you. With instant disbursal for up to Rs 2 lakhs, EarlySalary’s collateral free personal loans are the solution to all sorts of expenses. And did we mention the rock bottom interest rates?

Why Should I Choose Earlysalary?

With EarlySalary’s personal loans, life is uninterrupted, uninhibited, and a whole lot happier.

EarlySalary’s instant personal loans allow you rapid access to credit within minutes, with none of the hassle typically associated with traditional personal loans.

That means less paperwork, instant disbursals, and rates as low as Rs 9 per day. You can look up your eligibility and credit limit right from the app, and have the funds move to your bank account within minutes of approval. It can’t get any sweeter than this! The app even allows you to check your loan eligibility within seconds and move the loan amount in your account in equally short time.

Advantages of Personal Loans with EarlySalary

1. No restrictions on usage of the loan amount – Unlike other loans, you are free to use the instant personal loan amount for any of your urgent requirements. Also, getting the best personal loan interest rates is easier. This is one of the best features of quick personal loans online.

2. No collateral requirement – If you are applying for quick personal loans online through EarlySalary, you need not pay or pledge for security to get the instant personal loan online (unlike the conventional way of collateral or security deposit).

3. Flexible repayment – You are free to choose the duration of the quick personal loan online, but the main product is an enhancement to the salary and can be availed for a month. You can also opt to repay the amount whenever you feel like. To calculate personal loan interest rates, use our personal loan EMI calculator.

4. Less documentation – With digital revolution and digital money, loan processing has become easier and less tedious, unlike it used to be in the past. You only need to submit basic documents and your loan is approved within minutes. For approved users, the disbursal happens in seconds.

5. Attractive and reducing interest rates – A unique feature of EarlySalary is that it offers the best personal loan interest rates based on your credit score and also, if you do not have one. Also, the interest rate is fixed throughout the tenure of your loan and is not subject to change. So, you need not worry about interest rate changes.

The interest rate is very rational and comes down to less than Rs.9/day if you avail Rs.10,000, so if you take Rs.10,000 for 5 days your interest will be Rs.45 which is quite feasible.

6. Borrow multiple time: - Customer can borrow loan multiple times. He can repay the active loan and avail next loan after 3 days from the repayment date.

7. No Pre closure Charges: - There is no pre closure charges applied to customer if he wants to close the active loan before his loan duration or loan tenurity. Customer has to pay only the outstanding amount that is shown in the application.

8. 24*7 Service: - Customer can apply for loan anytime from EarlySalary application.

How to Get Instant Personal Loan

How to Get Instant Personal Loan


Apply for Cash Loan

Once you have an approved EarlySalary limit, select Amazon as an option to use your limit to purchase Amazon gift cards


Select EMI option

Select from 1, 2 & 6 EMis as repayment options


Money Transfer to your Bank Account

Add the voucher to your Amazon Pay balance without having to place an order.

Eligibility Criteria

All you need to be eligible for a EarlySalary loan.

Must be above 21 years and below 55 years of age

Salaried individuals with a minimum salary of ₹18,000 (Metro Cities) and ₹15,000 (Non-metros)

Must be a resident of India

Must be above 21 years and below 55 years of age

Salaried individuals with a minimum salary of ₹18,000 (Metro Cities) and ₹15,000 (Non-metros)

Must be a resident of India

Security and confidentiality of personal details

Earlysalary processes all loans online. Below are a few major precautions that we at Earlysalary take for protecting your personal loan details.


Secure Socket Layer (SSL) Encryption

Provides secured login through https:// protocol. Our Personal loan EMI calculators are also protected and safe to calculate your personal loan interest rates.


2-Factor or Multi-factor authentication measures

Allows you to securely login using security questions or by the use of a security code sent to your registered mobile number.


Use of Cookies

No additional information is required every time you log in to Earlysalary.



Firewalls filter the unauthorized and unsecured data coming and going out of our servers.


Secured and Confidential Credentials

Earlysalary never shares your password with anyone (and neither should you).

Mistakes to avoid while applying for quick personal loans online

Today many online lenders are coming forward to offer quick personal loans online at attractive interest rates. It is always advisable to read the terms and conditions carefully for smooth and safe experience.

Below are a few things to consider, before applying for quick personal loans online.

Not checking your eligibility before applying – As you know, your loan approval is purely based on your profile details that you submit in your application. So, to get instant personal loan, make sure your profile has all details like your age, income, residential details, employment details, loan amount and tenure in place. Apart from these, make sure that you have all the necessary documents handy before applying for quick personal loans online.

Borrowing more than you need – Always borrow the amount that is sufficient enough to meet your current needs or requirement. Borrowing a loan amount that exceeds your repayment potential will make things difficult. But with EarlySalary, you don’t need to worry about it as there is no prepayment/foreclosure charges involved. You just pay for the number of days you use the money for.

Not maintaining good credit score – Credit score is an important factor that helps in determining the interest rate against your loan. If you have a good credit score, you can sit back and relax because your loan processing will be easy.

Ignoring or not reading the Fineprint – Earlysalary highly recommends reading the Fineprint and disclaimer thoroughly before applying for the loan. Few of the Fineprint details that you must know are:

Forgetting your repayments on time – Now that you are aware of how easy it is to get instant personal loan approval online, the next part is bearing in mind not to ignore or forget to repay your interest on time. This is common if you are borrowing for the first time. This also adversely affects your credit score in getting the best personal loans for future use as each and every loan transaction is recorded in your credit report. So, set up regular reminders in your calendar or mobile to pay your interests on time.

Featured In

Times of India
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