Fibe Instant Personal Loan App 4+
Instant Cash Loan| Credit Line
Social Worth Technologies Private Limited
Designed for iPhone
-
- Free
iPhone Screenshots
Description
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
Example:
• 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
Email: care@fibe.in
What’s New
Version 11.19
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
Loan Inquiry
Hello Team,
I am very old customer of EarlySalary since 2019 which is FIBE now. I have paid my payments on time for many years, apart from two miss payments in 2024 for just 10 days due medical and personal reason I could not apply again. Recently in month of Oct I paid the whole outstanding in 1 shot and cleared the loan. Later after few days could not apply for fresh loan, not sure why?. When I spoke to your team they created a new account for me and ask to apply a fresh loan but still it didn’t work out.
I started with 20k limit to 2 lakhs and paid on time. Just for two miss or delayed payments I am not getting loan now. Also want to bring you your notice as, my CIBIL score is 662 as per RBI approved TRANSUNION report which 90% of bank or NBFC check. Not sure why in FIBE it show as 590 which is huge difference.
My only request is to get me a loan looking at my bonding and repayment history with EARLYSALARY OR FIBE. I used to make payments before the due date. Kindly look into it and do the needful.
Thankyou
Sharath
Poor customer experience
I have an active loan and due to medical reasons i would not able to make the payment on time. For which as discussed with them i have sent the medical records as well. Eventhough i have given PTP date - which is on 15th of feb i used to get multiple calls - i.e one hour once and each person asking the same question why the payment got delayed. When i question them that eventhough i have committed to pay, they calling continuously and they insist to attend ever call and answer the question as i have not paid the amount on time. I really wonder once i confirmed the ptp date over email and on multiple calls - i wonder they continue to call customers and annoying them even down during medical conditions. Financial exception are happen to everyone. As indicated i have made the payment as per PTP date but i wish to bring to a notice that the executive who calling clients are rude and not following fair practices of NBFCS. One of the worst behaviour i faced ever. They also used to call my reference contacts which is against fair collection practices. Their way of handling customers is worsen than local money lenders. If they continue to be like this - their reputation will be soon at risk.
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.
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
Information
- Provider
- Social Worth Technologies Private Limited
- Size
- 99.5 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Mac
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © Social Worth Technologies Pvt. Ltd.
- Price
- Free