Instant Personal Loans up to 1,20,000 in Just 10 Minutes.

NO COLLATERAL, HIDDEN CHARGES, or DELAY

53 M+

People Trust Us

1M +

App Installs

500 Cr +

Loans Delivered

How We Work ?

As an RBI-Registered NBFC, we are known for ultra-fast loan approvals and swift disbursals directly to your bank account.

Why SalaryOnTime?

Let’s understand why SalaryOnTime stands out in the loan industry.

100% Paperless

Apply from Anywhere

Easy Application

Low CIBIL Supported

Hassle-Free Loans

Loan Calculator

Quickly calculate your EMI for smarter financial planning

Loan Amount

12000

Period (Days)

7 Days

Interest Rate

0.25 %

Processing Fee

Interest : 0.25 %

APR : 152.08 %

Processing Fee : 5%

Loan Amount

12000

Period (Days)

TOTAL REPAYMENT

12210

No hidden charges • Transparent pricing

Our Services

Personalised solutions for your unique needs

We believe that one loan can’t fit everywhere. So, we’re here with a wide variety of loan options to choose from.
Let’s explore the types of loans we offer and determine the best one for you.

Instant Loan

We offer Instant Loans to help you tackle unforeseen or unexpected expenses swiftly. Apply in minutes, get funded instantly.

Short Loan

Want both solution & repayment faster, we’ve Short-term Loans, providing quick funds without lengthy financial commitments.

Emergency Loan

Our 10-Minute Emergency Loans make us the most reliable NBFC in times of medical emergency or urgent cash crisis.

Payday Loan

Why wait desperately for your next salary when you can obtain an Advance Salary Payday Loan today? Grab it now.

Personal Loan for low CIBIL

Low CIBIL? Not an issue! First-time borrower? No problem! We accept low scores and give fair opportunities to all.

Building Insightful Financial Strategies for the Future

Tailored Financial Solutions for Your Unique Financial Needs Tailored Financial Solutions for Your Unique Financial Needs Tailored Financial Solutions for Your Unique Financial Needs

Medical Emergency

Wedding Shopping

Special Occasions

Gifting

Low Salary

Education

Two-Wheeler

Travel

Frequently Asked Questions

Find quick answers to common questions about our services and process.

Yes, we’re an RBI-registered NBFC that operates under the standard guidelines set by the Reserve Bank of India, with borrowers’ convenience and security as top priorities. We clearly outline all the essential terms & conditions when you apply. Additionally, we are strictly against applying any sort of hidden charges.

We operate to help salaried individuals get instant personal loans quickly with a fully online, paperless procedure.

Download & Sign Up

Download the SalaryOnTime app from the Play/App Store.
Sign up using your mobile number
Verify with OTP.

Check Loan Eligibility

Enter basic details like employment type (salaried), monthly salary, city & company details.
The app instantly shows whether you’re eligible.

Upload Documents

All digital, no paperwork. Upload the required documents, such as PAN card, Aadhaar, salary slips/bank statements, etc.

Choose Loan Amount & Tenure

Select the required loan amount & choose repayment tenure.

Instant Approval & Disbursal

Personal Loans, Payday Loans, Short-term Loans, Emergency Loans, Mini Loans—all get approved here in just 10 minutes.
Then, the amount is credited directly to your bank account. No branch visits, no waiting.

Salaried professionals can easily make use of our online app for addressing emergency cash needs if their monthly salary is 30,000 bare minimum.

The application procedure is easy, takes just minutes, and can be applied from the app itself. Let’s quickly understand it.

Download the app & sign up by entering the OTP.

Apply online with basic details

Upload documents (PAN, Aadhaar & bank statement)

Complete eKYC instantly

Get approval within minutes

Receive funds directly in your bank account — up to ₹1.2 lakh in just 10 minutes

Our eligibility criteria are as follows:

Firstly, you should be a citizen of India.

Secondly, the minimum salary required is 30,000.

Thirdly, the age bracket is 21-54.

We’re an RBI-registered NBFC with personal loans entirely free from hidden charges. Before you borrow, we transparently disclose all the terms & conditions and all the prices involved.