EarlySalary is a mobile app that offers instant salary advances to its users in India. The app is owned and operated by EarlySalary Technologies Pvt. Ltd., which is a non-banking financial company (NBFC) registered with the Reserve Bank of India (RBI).
EarlySalary offers salary advances up to ₹2 lakh with a repayment tenure of up to 30 days. The interest rates on EarlySalary advances are relatively competitive, starting from 12% p.a. The app also offers flexible repayment terms, so you can choose a repayment plan that fits your budget.
To apply for an EarlySalary advance, you need to download the EarlySalary app and create an account. You will need to provide some basic information, such as your name, address, PAN, and income details. EarlySalary will then assess your eligibility for an advance and you will be notified of the decision within minutes.
If you are approved for an advance, the money will be disbursed directly into your bank account. You can use the money for any purpose, such as paying off debt, making a big purchase, or simply consolidating your finances.
Here are some of the pros and cons of EarlySalary advances:
- Instant salary advances: EarlySalary offers instant salary advances up to ₹2 lakh.
- Flexible repayment terms: EarlySalary offers flexible repayment terms of up to 30 days.
- No collateral required: EarlySalary does not require any collateral for its advances.
- Easy to apply: The application process for EarlySalary advances is simple and quick.
- High interest rates: The interest rates on EarlySalary advances are relatively high.
- Early repayment charges: There are early repayment charges on EarlySalary advances.
- Credit score impact: Taking an advance from EarlySalary can impact your credit score.
Overall, EarlySalary advances can be a good option for people who need quick access to cash and have a good credit score. However, it is important to be aware of the high interest rates and potential impact on your credit score before taking out an advance from EarlySalary.
Here are some of the alternatives to EarlySalary advances:
- MoneyTap: MoneyTap is a mobile app that offers instant personal loans up to ₹5 lakh. The app is regulated by the RBI and does not require any collateral.
- Credify: Credify is a mobile app that offers instant personal loans up to ₹5 lakh. The app is regulated by the RBI and does not require any collateral.
- Pronto Loans: Pronto Loans is a mobile app that offers instant personal loans up to ₹2 lakh. The app is regulated by the RBI and does not require any collateral.
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