Instant Personal Loan Up To ₹10 lakhs

Fibe100% digital process
FibeCash in 2 minutes
Fibe0 foreclosure charges

Personal Loan EMI Calculator

1,45,000
14
12

Total interest

0

Monthly instalment

0

Disclaimer: Our personal loan EMI calculator provides estimated values, final eligibility and loan details are subject to bank approval.
personal loan
39 Mn+
App downloads
9 Mn+
Loans given
40,000 Cr+
Money disbursed
8,500+
Partner tie-ups
Fibe personal loan and instant cash loan app

Apply For Personal Loan Online in Easy Steps

Get instant cash in just a few simple clicks with Fibe.

1. Check your eligibility:

Enter a few basic details to see if you qualify for a Fibe Personal Loan — no lengthy forms, no waiting.

2. Choose your loan amount:

Pick the amount and tenure that best fits your needs and repayment comfort.

3. Upload minimal documents:

Submit a few basic documents to process the application

4. Get instant approval & disbursal:

Once verified, your loan amount is credited directly to your account within minutes; simple, fast and hassle-free.

Personal Loan Fees & Charges

ParticularsRates and Charges
Interest RatesStarting from 18% p.a. On a reduced balance basis
Processing FeesStarting from 2% of the loan amount plus GST
Tenure6 to 36 months
APRStarting from 18%
Bounce Charges₹500 plus GST
Late Payment Charges₹500 plus GST or 3% of the total loan amount, whichever is higher as per the overdue amount
Stamp Duty0.1% of the loan amount
Mandate Rejection Charges₹250 plus GST
Foreclosure ChargesNil

Note: Updated charges as of 31st March 2025

Benefits of Personal Loan from Fibe

Here’s a look at the benefits associated with when you avail loan from Fibe:

No restrictions on usage
No restrictions on usage
Loans can be used for any purpose like medical treatment, home renovation, etc.
Collateral-free loans
Collateral-free loans
While applying for a personal loan, you don’t need to provide any type of security
100% Digital journey
100% digital journey
No long forms or paperwork, just upload soft copies of the documents and get instant approval
Affordable interest rates
Affordable interest rates
Fibe offers attractive interest rates on personal loans, even to new credit customers
Borrow multiple times
Borrow multiple times
Repay your previous loan, anytime with 0 pre-closure charges and get the next one instantly
Flexible repayment
Flexible repayment
Get cash up to ₹10 lakhs & repay at a tenure ranging from 6 to 36 months
Cash in bank
Cash in bank
Get the funds directly in your bank account within less than 10 minutes of loan approval
Secure app
Secure app
With ISO 27001 certification and PCI DSS app-based journey, getting instant cash is easy and secure

Eligibility & Documents Required To Avail of a Personal Loan

Personal Loan Eligibility

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Age:
bove 21 and below 55 years

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Minimum In-Hand Salary:
Metros-₹ 18,000 | Non-metros- ₹ 15,000

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Residence:
a resident of India

Personal Loan Documents

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A Selfie:
a clear picture of yours with proper lighting

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Proof of Identity:
Passport/ Aadhar card/ PAN card/ Driver’s license

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Proof of Address:
Passport/ rent agreement/ utility bills/ voter’s ID

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Proof of Income:
Bank statement/ Salary slips for the last 3 months

Fibe in News Coverage

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The Future of Digital Lending: leveraging AI and ML

Access Round the Clock Support From Any Location in India

You can connect with us for every query you encounter through call or email.

Reach out on 020-67639797 or mail to us at care@fibe.in

Explore Our Loan App

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Awards Recognising Our Personal Loan Offering

Best Fintech Brand of the Year

Best Fintech Brand of the Year

Best Start-Up in Fintech

Best Start-Up in Fintech

FinTech Scale-Up of the Year

FinTech Scale-Up of the Year

Best Gamification to Enhance Customer Loyalty

Best Gamification to Enhance Customer Loyalty

Multi-purpose personal loan options

FAQs on Personal Loan

You can get a personal loan instantly using the Fibe app or the official website. All you have to do is fill in a few personal details of yours and check your eligibility. After this, submit the necessary documents and enter the loan amount you wish to borrow to avail of the instant personal loan online.

A personal loan has no end-use restrictions. So, you can use a personal loan for multiple purposes. Some of these include the following:

  • Unforeseen medical emergencies
  • Vacations or last-minute trips
  • Professional courses
  • Home renovation or revamp
  • Wedding ceremonies

You can get quick approval on your instant personal loan at Fibe by ensuring that you complete the online form accurately. Furthermore, check your eligibility and make sure you meet the lender’s parameters before applying. Then, submit the required documentation to get quick approval.

Here are some reasons why you must opt for a personal loan from Fibe:

  • Enjoy instant loan approval and quick disbursement of funds
  • Avail attractive interest rates and flexible repayment tenure options
  • Get an online personal loan without pledging any asset as security
  • Enjoy the option of availing credit multiple times
  • Use the borrowed amount as you wish without any restrictions on end usage
  • Avail flexible loan amounts starting from ₹5,000 to ₹5 lacs according to your needs
  • Enjoy a 100% digitised loan application process that allows you to avail instant cash by filling in just a few details

The interest rate can vary depending on the loan amount availed by you, the repayment tenure and your credit score. If you are new to credit, then the credit score will not be a factor to calculate the interest rate.

You can avail of a loan for a flexible tenure which starts from 3 months and goes up to 24 months.

Fibe refers to scores assigned by various credit agencies and considers the best of these scores to assess your creditworthiness. Fibe also offers loans to those who are taking credit for the first time and don’t yet have such a score.

Yes, at Fibe you can foreclose your loan online before the repayment tenure ends with zero prepayment or foreclosure charges.

You can repay your loan in affordable instalments through the Fibe app with several payment methods or by setting an ECS mandate for auto debit from your bank account.

No, there is no need to provide security or collateral when availing of an instant loan from Fibe.

A personal loan is a financial offering provided by banks and NBFCs that does not require you to pledge collateral or assets. You can avail these loans easily as they need minimal documentation and are offered for a short tenure.

For example, you can apply for a loan online through Fibe, a digital lending company and get funds at attractive interest rates with instant approval.

To apply for a personal loan, you have to sign up online with a financial platform, submit your profile details and KYC documents, and choose a loan amount and tenure. After this, you will get the amount for shopping disbursed securely into your bank account in a paperless manner.

A personal loan allows flexible usage of funds for shopping purposes while offering easy eligibility, quick disbursal, and structured repayments to suit individual financial needs and convenience.

At Fibe, you can repay your instant personal loan at flexible tenures starting from 3 and 36 months.

The minimum in-hand salary required to avail of a Fibe Instant Personal Loan is ₹20,000 per month. Note that the salary requirements vary from one lender to another.

Personal loans are unsecured credit amounts repaid in equal monthly instalments.
For example, when you opt for a Fibe instant personal loan, you can borrow up to ₹10
lakhs and repay it over 6 to 36 months.

You can avail a loan of up to ₹10 lakhs depending on your eligibility.

What do you get with an Fibe Personal Loan?

High loan amounts

High loan amounts

Access funds up to ₹10 lakhs to cover big or small needs

Instant approval & quick disbursal

Instant approval & quick disbursal

Get money transferred directly to your bank in minutes

100% digital process

100% digital process

Apply online with minimal documentation and no lengthy paperwork

Flexible tenures

Flexible tenures

Choose a repayment plan that fits your monthly budget, starting from 6 to 36 months

Personal Loan Blogs

Here's what our customers think of us!

Fibe personal loan and instant cash loan app
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Instant loan in minutes
I would like to thank Fibe (EarlySalary), few days back I met with an accident and I didn’t have much money to pay in one go. So, I took an instant cash advance from Fibe (EarlySalary). They helped me to clear all the medical bills in just 10 mins!
Shubham Pawan Profile

Subham Pawar

Fibe personal loan and instant cash loan app
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Quick and easy
The overall experience with Fibe was really good. I applied for an online personal loan and the service was very quick. The entire process was fast and smooth, and the loan was sanctioned without any hassles.
Shilpi Mukherjee Profile

Shilpi Mukherjee

Fibe personal loan and instant cash loan app

The cool new vibe to finance!

Download the Fibe App the cool new vibe to finance to avail of the loan in just a few clicks from anywhere