Fibe (formerly EarlySalary) Review — Rates, Eligibility & Safety Check
Last verified: pending first manual verification
Some figures below are pending our manual verification cycle — treat them as indicative bands until marked verified.
OperatorSocial Worth Technologies Private Limited
Regulated entity behind the appEarlySalary Services Private Limited and partner lenders [VERIFY current partner list]
Websitehttps://www.fibe.in
Products & pricing bands
| Tier | Ticket | Tenure | Rate band | Processing fee | APR band | Disbursal | Min income |
|---|---|---|---|---|---|---|---|
| T3 | ₹8,000 – ₹5,00,000 | 90 – 1095 days | 14% p.a. – 30% p.a. | 1% – 3% + GST | see KFS | ~24h | ₹18,000 |
Works well
- One of the larger, better-known salary-advance-to-personal-loan platforms with an established NBFC behind it
- Wider tenure options (roughly 3 to 36 months) than micro-ticket apps
- Transparent website disclosure of lending partners and grievance redressal
Watch out
- Salaried-only focus; self-employed and gig applicants are generally out of scope
- Top-end rates are materially higher than bank personal loans — compare the KFS APR before accepting
- Pre-approved limit offers can tempt over-borrowing
Safety checklist
| Names its NBFC partner publicly | ✅ yes |
| Key Fact Statement available | — pending verification |
| Avoids contacts/media permissions | — pending verification |
| Grievance officer named | ✅ yes |
What borrowers complain about
Commonly reported patterns in Play reviews include marketing calls after opting out, disagreements over foreclosure charges, and occasional delays in NOC or bureau updates after full repayment. Complaint volume relative to scale appears moderate. Patterns are from public reviews and forums, not independently verified.
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