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    Early Salary Loans online

    Early salary loans, available through Airtel Finance, offer a lifeline for those facing urgent expenses before their payday. With a simple online application process on the Airtel Thanks app, these loans provide swift access to funds, ensuring individuals can address financial emergencies with ease and convenience.

    Benefits of Early Salary Loan

    Get a loan on your terms. Choose from flexible EMI and tenure options.

    100% digital process

    Submit all your details and documents online.

    Instant Loan approval

    Get your Loan application approved!!

    Flexible EMIs and tenure

    Choose the loan tenure and EMI amount as per your need.

    Why choose Airtel for Early Salary Loan?

    Need quick cash between paychecks? Early salary personal loans offer swift solutions. Download Airtel Thanks app and avail the Airtel Personal Loan for hassle-free access to funds.

    Steps to Apply and get a Personal Loan for Flexi

    Follow the simple steps mentioned below

    Open Airtel Thanks App

    Find Shop > Airtel Finance

    Select Flexi Credit

    Fill in your basic details

    Get best offer

    Basis profile verification

    Complete the KYC

    Link your bank account

    Early Salary Loan EMI Calculator

    Calculate your Short Term Loan EMIs and interest rate easily using the Short Term Loan EMI calculator. Adjust the tenure and loan amount to know the average interest amount.

    Early Salary Loan amount
    Enter the loan amount


    Tenure plan
    Choose your tenure plan


    Rate of interest
    Adjust your interest rate






    Features of Early Salary Personal Loan

    Discover the benefits and features of Early Salary Personal Loan

    No Collateral

    Zero Documentation

    Short-Term Loans

    Flexible tenure

    Minimal Penalties

    Low Interest Rate

    Online Approvals

    100% Digital Process

    Quick Processing

    Improves Credit Score

    Easy Approval

    Approved in 24 Hours

    Early Salary Loan Eligibility Criteria

    One must be between the age-group of 21 and 65 to be eligible for a Early Salary Loan.

    Flexible employment type

    Early Salarypersonal loans from Airtel Early SalaryCredit are available for salaried and self-employed individuals

    Monthly income criteria

    Anyone with a monthly income of ₹13,500 or more can apply

    Short term loan limit

    If you are looking for a loan between ₹10,000 to ₹9,00,000, then Airtel Personal Loan is perfect for you!

    Personal loan App - FAQs

    What is the concept of Early Salary Personal loan?

    EarlySalary Personal loan is a short-term borrowing option that provides quick access to funds to address immediate financial needs or emergencies. It offers convenience, flexibility, and speedy disbursal, making it an ideal solution for those facing unexpected expenses, just like Airtel Personal Loan.

    How quickly can I receive funds from an early salary personal loan?

    You can receive funds from an early salary personal loan swiftly, often within hours of applying. EarlySalary prioritises quick disbursal, ensuring you get the financial support you need when you need it most.

    How to get an Early Salary?

    Getting an Early Salary loan or any other personal loan is easy and convenient. You can apply through the Airtel Thanks app or by visiting the Airtel Finance website. Simply follow the application process, provide the necessary documents, and await approval.

    What are the eligibility criteria for obtaining an early salary or Fibe personal loan?

    No, short term loans are unsecured loans, thus, they don’t require any collateral. However, in some exceptional cases, the lender may consider this option.

    What is the tenure for a short term loan?

    To qualify for an early salary or Fibe personal loan, you need to meet certain criteria, including being at least 19 years old, having Indian citizenship, stable employment with a minimum salary of ₹15,000, and providing KYC details.

    Can I apply for an early salary personal loan if I'm a freelancer or self-employed?

    Yes, EarlySalary considers applications from freelancers and self-employed individuals, provided they meet the eligibility criteria, have a stable income and submit the required documentation, such as income proof and KYC details.

    What documents are required to apply for an early salary personal loan?

    You’ll need to submit documents such as address proof (passport, Aadhar card, etc.), identity proof (PAN card, Aadhar card, etc.), income proof (salary slips, bank statements), and a passport-size photograph.

    How does the repayment process work for Fibe personal loans?

    The repayment process for Fibe personal loans is typically structured with Equated Monthly Installments (EMIs), which include both principal and interest components. You can choose a repayment plan that suits your financial situation.

    Are there any penalties for early repayment or prepayment of an early salary personal loan?

    Some lenders may charge prepayment penalties for early repayment of the loan. It’s essential to review the loan terms and conditions to understand any applicable fees or charges.

    What are the interest rates and fees associated with early salary personal loans?

    Interest rates for early salary personal loans typically start from 18% and can vary depending on the lender and other factors. Additionally, there may be processing fees and late payment charges. But if you want to go for a personal loan plan that has lower interest rates then you can go for Airtel Flexi Credit as the interest rates start from 11.5%.

    Can I use an early Fibe loan to consolidate debt or pay off existing loans?

    Yes, you can use an early Fibe loan for various purposes, including consolidating debt or paying off existing loans. However, it’s essential to assess your financial situation and consider the overall cost before doing so.

    Are there any restrictions on how I can use the funds from an early salary personal loan?

    There are usually no restrictions on how you can use the funds from an early salary personal loan. You can use the money to meet any legitimate financial need or expense, such as medical emergencies, education expenses, or home repairs.

    Do I need to have a certain credit score to qualify for an early salary personal loan?

    While a good credit score may improve your chances of approval, early salary personal loans are accessible to individuals with varied credit histories. Lenders consider various factors, including income and employment stability, during the approval process.

    Can I apply for an early salary personal loan online, and what is the application process like?

    Yes, you can apply for an early salary personal loan online through the Airtel Thanks app or the Airtel Finance website. The application process is simple and involves providing basic personal and financial information, along with supporting documents.

    Are there any additional benefits or features offered with early salary personal loans?

    Yes, early salary personal loans offer several benefits, such as quick disbursal, minimal documentation, and flexible repayment options. Some lenders may also provide additional features, such as personalised loan offers and financial planning tools.

    What happens if I cannot repay the loan on time?

    If you cannot repay the loan on time, it’s essential to communicate with your lender to discuss possible solutions. Depending on the lender’s policies, you may incur late payment fees or penalties, and defaulting on the loan could negatively impact your credit score.

    Personal Loan Lending Partner - Airtel Early SalaryCredit

    How to Avail Early Salary Loans?

    When life throws unexpected medical emergencies or last-minute expenses your way, early salary loans serve as a lifeline, swiftly providing the financial support needed to navigate through such challenging situations. You can easily avail early salary and personal loans by visiting Airtel Finance or downloading the Airtel Thanks app for some quick and easy loan disbursal.

    Eligibility Criteria to get an Early Salary Loan

    If you ever need an early salary loan to tackle your personal or emergency expenses, then here is the eligibility criteria to get one easily and hassle-free:

    1. The age limit for an early salary loan is 19 years and above.

    2. You need to be a citizen of India.

    3.   You need to have a stable employment (self-employed or salaried) and a salary account with a minimum salary of ₹ 15000.

    4. You also need to provide your KYC details for a quick and easy loan disbursal.

    Interest Rate for an Early Salary Loan

    You can avail an early salary personal loan with an interest rate starting from 18% and above. You can either opt for an early salary loan or go for Airtel Personal Loan from Airtel Finance, where the interest rate typically starts at 11.5% and may prove to be more financially viable.

    How to Calculate EMI for an Early Salary Loan?

    The formula to calculate EMI for an early salary loan or any other personal loan is simple:

    EMI = [P x r x (1 + r)^n] / [(1 + r)^n – 1]


    P = Loan Amount (Principal)

    r = Monthly Interest Rate

    n = Loan Tenure in Months

    What is the procedure to apply for Early Salary loan?

    You can easily apply for an early salary loan by downloading the app, choosing the amount you want for the loan, choosing the loan plan, filling up the KYC details and then confirming the EMI. Airtel Finance has made availing the Airtel Personal Loan super easy through the Airtel Thanks app.

    Best Features and Benefits of Early Salary Loans

    • What makes early salary different from other types of loans is that it is a short-term personal loan where the interest gets calculated as per your convenience, need of the amount and the short tenure. So you may go for a monthly or daily interest rate plan.

    • Quick Access to funds is what makes this a feasible loan option.

    • You don’t need collaterals and the process is 100# digital so the loan disbursal is extremely quick.

    • This loan is accessible to people possessing varied credit histories and the process is also lucid and uncomplicated.

    List of Documents Required for an Early Salary Loan

    Early salary loan application also requires certain documents that are common for all kinds of personal loans.

    • Address Proof – This includes passport, Aadhar card, Voter’s ID or any other utility bill

    • Identity Proof – This includes your PAN card, Aadhar card, Driver’s Licence or Voter’s ID.

    • Income Proof – you need to have salary slips or bank statements of the past three months and ITR too.

    • Passport Size Photograph – this is important to complete the application form.

    • What are all Fees and Charges for Early Salary Loan?

    • The interest rates for early salary loans are slightly higher and may start from 18% and go up till 38%.

    • Apart from that, you have the processing fees for the loan application process between 2% to 5%.

    • You also have the late payment fee/penalty that may vary from one lender to another.

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