Personal loan has become need for every in current time. This need is increasing day by day because people need to fulfill their dreams and their needs. But there are lots of loan apps which are cheating to innocent people with charging high rate of interest, high processing fee and precloser penalty. Some loan apps hame made their loan criteria very tough such as income criteria, cibil score and credit history etc.
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Loan with Low Cibil Score and Low Salary
This is a mejor issue for most of the people. Maximum people are searching for personal loan but they have low cibil score and low salary. Do you believe that a person who earns 15000 monthly can get personal loan whether his or her cibil score is below 700 points. Yes it is true you can get personal loan from this app with a cibil score of 650 points.
App Name Which Provide Easy Personal Loaan
This app name is FIBE. Fibe (formerly EarlySalary) is one of India’s most popular instant loan apps. With a rapidly growing user base across hundreds of cities.
It offers quick personal loans, salary advances, medical & education financing, and even a numberless credit card (in partnership with Axis Bank).
If you are a student then you can try Dhani App loan. This app supports to student loan also.
This guide covers features, eligibility, interest rates, pros & cons, and a step-by-step application process—so you can decide if Fibe fits your need in 2025
About Fibe
- Old Name: EarlySalary (rebranded to Fibe)
- Category: Digital Lending & Lifestyle Finance App
- Core Offerings: Instant personal loans, salary advance, BNPL, medical & education financing
- Total Users : 2.5 Million
- Total Loan Disburshed : 7 Million
- Coverage: 350+ cities (pan-India)
- Official Site: www.fibe.in
Key Features of Fibe Loan App
- Instant Personal Loans – Up to ₹5 lakh with quick disbursal.
- Salary Advance Loans – Short-term credit for salaried professionals.
- Medical Financing – CareNow PayLater for hospital/medical bills.
- Education Loans – Funding for upskilling and professional courses.
- BNPL (Buy Now Pay Later) – Shop now, convert to easy EMIs.
- Numberless Credit Card – In partnership with Axis Bank for enhanced security.
- 100% Digital Journey – Apply, verify, e-sign, and receive funds online.
- Flexible EMIs – Tenure options from 3 to 36 months.
- Corporate Tie-ups – Employee benefit programs with partnered companies.
- Compliance – Loans are issued with/through RBI-registered NBFC partners.
Fibe Loan Eligibility (2025)
| Criteria | Details |
|---|---|
| Age | 21–55 years |
| Employment | Salaried or self-employed |
| Minimum Income | ₹15,000/month (₹20,000 for metro cities preferred) |
| Credit Score | 650+ preferred (lower scores may get higher rates/limits) |
| Documents | Aadhaar, PAN, recent bank statements / salary slips |
Interest Rates & Charges
| Charge Type | Details (Indicative) |
|---|---|
| Interest Rate | Starts ~18% p.a. (varies by profile, income, city, credit score) |
| Processing Fee | ~2%–4.5% of loan amount |
| Late Payment Fee | From ₹500 + GST (varies by product) |
| Prepayment/Foreclosure | Often nil after 3 EMIs (check your specific loan terms) |
Tip: Improve your credit score and maintain low credit utilization to unlock better rates.
How to Apply for a Fibe Loan (Step-by-Step)
- Download the Fibe app from Google Play or Apple App Store.
- Sign Up with your mobile number & verify via OTP.
- Complete Profile – Personal, address & employment info.
- Upload KYC – Aadhaar, PAN, salary slips/bank statements.
- Instant Check – View eligibility & loan offers.
- Select Offer – Confirm amount, tenure, interest & EMI.
- E-Sign Agreement – Digital signature within the app.
- Receive Funds – Disbursal to your bank account in minutes after approval.
Why Fibe is Trending in 2025
- Beyond Salary Advances: Expanded into personal, medical, education finance & BNPL.
- Partnerships: Axis Bank numberless credit card adds security & visibility.
- Scale: Rapidly growing user base across 350+ cities.
- Experience: Clean UI, quick KYC, and transparent digital journey.
FAQs – Fibe Loan App
Is Fibe approved by RBI?
Fibe facilitates loans with/through RBI-registered NBFC partners. Check the lender name in your sanction letter.
How fast is the disbursal?
After approval and e-sign, funds are often credited within minutes (subject to bank & verification).
Can students apply?
Yes. Applicants above 21 years with income proof may be eligible—particularly for education/upskilling needs.