Salary advance loans · ₹8,000 to ₹75,000
Your salary,
a little early.
Salary not here yet, but the bill can’t wait? Get ₹8,000 to ₹75,000 in your bank account today. Pay it back on your salary day.
- Decision
- ~10 min
- Tenure
- 7–365 days
- Prepayment fee
- ₹0
- Lent by an RBI-registered NBFC
- Key Fact Statement before you sign
- 3-day cooling-off
- No access to contacts or photos
- Data stored in India
- Rent due on the 10thThe landlord can’t wait.
- Hospital deposit on the 15thIt can’t wait.
- School fees due on the 18th
- Salary comes on the 1stStill days to go.
- Apply on PaySalaryLoan2 minutes on your phone. Decision in ~10 min.
- Apply Now
- Money in your bank accountThe same day. Repay once, on salary day.
Why a salary advance
Salary arrives once a month.
Bills don’t check the date.
Salary finished, but the month is not? Rent, fees and bills don’t wait for payday. The wait is short, usually less than 3 weeks. A salary advance fills that gap, and you pay it back when your salary comes.
13 days covered by PaySalaryLoan.
Calculator
Price it yourself.
Before you apply.
It opens at our prices. Your exact figures are in your Key Fact Statement before you accept, and nothing outside it can be charged.
Your estimate
- Principal Amount
- ₹20,000
- Interest AmountSimple interest on the principal
- ₹334
Estimate only. GST on the processing fee and your exact figures are shown in your Key Fact Statement before you accept.
How it works
The first ten minutes.
What applying actually looks like, from typing your number to seeing money land. Start now →
Your number and salary
A one-time code, then your employer and take-home pay. No documents yet.
Identity, done digitally
Aadhaar eKYC by OTP and a live selfie. PAN is checked in the background.
Three months of salary credits
Shared securely through Account Aggregator. You pick the bank and approve it in your bank’s own app.
Your offer, in plain numbers
Read the Key Fact Statement, e-sign, and the lender pays into your salary account the same day.
Our loans
One loan, five reasons to use it.
Same price list for all of them. Pick the page that sounds like your week.
- 01
Instant Personal Loan
Unplanned bill before payday? Apply in about 2 minutes and get a decision in about 10 minutes.
- 02
Emergency Loan
Hospital deposit, urgent travel, a family crisis. Funds the same day, without paperwork.
- 03
Short Term Loan
Borrow for 7 to 365 days and pay interest only for the days you use the money.
- 04
Loan for Low CIBIL Score
Low score or no history? We look at your salary and banking, not just a number.
- 05
Salary Advance Loan
Get part of next month's salary today. Repay automatically when it's credited.
Eligibility
Who it’s for.
- Salaried, full-time at a private company, PSU or government office
- Take-home of ₹30,000+ a month, paid into a bank account
- Aged 21–55 with a PAN and an Aadhaar-linked mobile
- New to credit? Fine. We read your salary history, not just a score
Not for you yet if you’re self-employed or paid in cash.
Who is the lender?
Salora Capital Limited
Every loan on PaySalaryLoan is sanctioned and paid out by Salora Capital Limited, a Non-Banking Financial Company registered with the Reserve Bank of India (CoR N-13.01855, CIN U72900MH1999PLC122849). Your loan agreement is with the lender, your Key Fact Statement comes from the lender, and you repay directly into the lender's account.
Checking your offer is a soft enquiry and does not affect your credit score. Once your loan is disbursed, Salora Capital Limited reports it to the credit bureaus every month.
Stay safe
Things we will
never do.
If someone does any of these in our name, it isn’t us. Report it on 1930 or RBI Sachet.
- Ask for money before your loan is paid out.
- Ask for your OTP, UPI PIN or card CVV on a call.
- Ask you to pay into a personal account or UPI ID.
- Read your contacts, photos or call logs.
- Call your family, friends or employer about a payment.
Who actually lends me the money?
Loans are sanctioned and disbursed by our lending partner, Salora Capital Limited, a Non-Banking Financial Company registered with the Reserve Bank of India. PaySalaryLoan is the digital platform through which you apply; it is run for the lender by its Lending Service Provider. The lender's name is printed on your Key Fact Statement and loan agreement.
Who can apply?
Indian residents aged 21–55, employed full-time on a salary of at least ₹30,000 a month credited to a bank account.
What documents do I need?
Your PAN, an Aadhaar-linked mobile number for eKYC, a live selfie and your last 3 months' salary account statement. No physical documents are needed.
How much does a loan cost?
Interest is 1.67% per month on the principal, plus a one-time processing fee of 1.18% of the loan amount (incl. GST).
What is APR and why is it high?
APR (Annual Percentage Rate) shows the all-inclusive cost of credit as a yearly rate, as required by RBI. Short-term loans carry high APRs because fees are spread over a few days, not a year. Always compare the total rupee cost too.
How do I repay?
On the Repay page or in your account using UPI, net banking or debit card, or by auto-debit (e-NACH) from your salary account on the due date. Payments go directly to the lender.
Can I repay early?
Yes, any day. Interest is charged only for the days you used the money, and there's no foreclosure charge.
Will PaySalaryLoan ever ask for an upfront fee?
Never. The processing fee is deducted from the disbursed amount. Anyone asking you to pay before disbursal is a fraudster. Report it to 1930 or cybercrime.gov.in.
Payday’s coming.
You don’t have to wait for it.
Check your offer in 2 minutes. It’s free and won’t affect your credit score. Once your loan is disbursed, Salora Capital Limited reports it to the credit bureaus every month.
Loans by Salora Capital Limited, RBI-registered NBFC (CoR N-13.01855).