Salary Advance Loan
Salary advance loan, before your payday
Your salary is coming. Your expense is here now. A salary advance moves part of next month's pay to today, and is repaid on salary day.
- ₹8,000 – ₹75,000
- 7–365 day tenure
- Decision in ~10 minutes
- No prepayment charges
Soft check only: your score stays untouched
Apply for your loan
Check your offer in 2 minutes.
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Loans by Salora Capital Limited, RBI-registered NBFC (CoR N-13.01855).
Estimate the cost firstCalculator
Price your salary advance
Move the sliders or type a figure. Every cost updates live.
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.
What is a salary advance loan?
A salary advance is the most natural form of short-term credit: the due date is matched to your next salary date, the amount is sized to your take-home pay, and repayment is one auto-debit when your salary is credited.
Unlike asking your employer or friends, it's private and quick. Unlike a credit card, the full cost is fixed and known upfront.
Best for
Salaried employees paid by bank transfer
Month-end gaps for rent, school fees or bills
Anyone who wants repayment aligned with salary day
Key facts
Salary Advance Loan at a glance
The same transparent pricing applies to every product.
- Loan amount
- ₹8,000 – ₹75,000
- Tenure
- 7 – 365 days
- Interest
- 1.67% per month
- Processing fee
- 1.18% (incl. GST)
- Prepayment charge
- ₹0
- Min. salary
- ₹30,000/month
The process
How the salary advance works
- Step 1 · ~1 min
Confirm your number
A one-time code checks it’s really you. Then add your salary and employer name.
- Step 2 · ~3 min
Prove it’s you, digitally
Aadhaar eKYC, a quick live selfie, and three months of salary credits shared through Account Aggregator.
- Step 3 · Decision ~10 min
Read the KFS, then sign
Your Key Fact Statement lists the rupee cost, APR and due date. Happy with it? E-sign in one tap.
- Step 4 · Same day
Funds land, payday settles it
The lender pays into your salary account. On payday, one UPI payment or auto-debit closes the loan.
Eligibility & documents
Do you qualify?
Who can apply
- Indian resident, 21–55 yearsWith a valid PAN and Aadhaar
- Salaried, full-timePrivate company, PSU or government. Self-employed not yet supported.
- Net salary ₹30,000+ per monthCredited to your bank account, not paid in cash
- Serviceable pincodeMajor metros and Tier 1–2 cities. We'll confirm at sign-up.
What to have on hand
- PAN cardVerified instantly, no upload needed
- Aadhaar-linked mobileFor paperless eKYC by OTP
- 3 months' salary statementFetched securely via Account Aggregator, or a PDF upload
- A live selfieTaken in the browser, for your security
FAQs
Salary Advance Loan FAQs
How much salary advance can I get?
First loans are typically up to about 40% of your net monthly salary, between ₹8,000 and ₹75,000 (up to ₹75,000 for new and repeat customers). Limits grow with on-time repayments.
Does my employer need to be involved?
No. Your employer isn't contacted for approval. We verify employment through your bank statement and the details you provide.
When is the repayment due?
The due date is set to match your next salary credit, within 7 to 365 days of disbursal.
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Your salary, a little early.
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).