Check Our Loan Options
How to Get Personal Loan with Low CIBIL Score?
You are trying hard to get a personal loan, yet your application is rejected...
What is a CIBIL Score?
A CIBIL score is a three-digit number...
Timely repayment of loans boosts your credit profile...
How CIBIL Score Affects Personal Loan Approval
Here is the role of CIBIL score in Personal Loan eligibility.
- Good credit score = fast approval and disbursal
- Low score = stricter checks or rejection
- High score allows higher loan eligibility
- Low score leads to deeper profile verification
Who Can Apply for an Urgent Loan?
Eligibility criteria:
- Must be a citizen of India
- Must be salaried
- Minimum salary ₹30,000
- Age: 21–54 years
Why SalaryOnTime is a Trusted Loan App?
Let’s understand why we are highly rated in fintech.
Unexpected expenses like medical emergencies can impact your finances...
We offer flexible CIBIL criteria, ensuring fair opportunities for all borrowers.
Are you eligible for our loans?
Upon acceptance of your eligibility, the loan amount is disbursed to your account directly instantly.
- Must be an Indian Citizen
- Age between 21-55 years
- Must be a salaried professional
- Minimum Monthly Salary of INR 30,000
- PAN Card required
- Photograph (Selfie)
- Address Proof (Aadhaar, Passport)
- Bank Statements & Salary Slips
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.
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