Your salary, a little early.
Get a salary advance up to ₹1,00,000 in minutes and repay it in one simple payment on your salary date. Fully digital, fast approval, transparent charges — no EMIs.
See exactly what you’ll repay — before you apply
One simple repayment on your salary date. No EMIs, no installment schedules. Move the slider to see your full summary.
Indicative charges shown upfront. Final amount is confirmed in your Key Fact Statement before you accept.
Check your eligibility in under a minute
No paperwork, no impact on your credit score. Just a few quick details.
Indicative amount, subject to final verification by our lending partner.
Continue Application Start OverWhy choose InstaPaise
Built for people who need money to move fast, without the fine print.
Instant Disbursal
Approved funds reach your bank account in as little as 10 minutes.
Fully Digital
Apply, verify and e-sign — no branch visits, no physical paperwork.
Transparent Pricing
Every fee shown upfront. No hidden charges, ever.
Repay on Salary Day
One simple repayment on your salary date — no EMIs to juggle.
Loan features at a glance
Repay on Salary Date
One repayment on the day your salary lands — nothing before.
One-Time Repayment
No EMIs, no installment schedules to track.
₹1,000 – ₹1,00,000
A salary advance sized to your urgent need.
Minimal Documentation
Just PAN, Aadhaar and your salary bank account.
Transparent Charges
Fee, GST and total repayable shown upfront — no surprises.
24×7 Support
In-app help and a dedicated grievance desk.
How it works
Four simple steps between you and your funds.
Check Eligibility
Share basic details for an instant, no-impact eligibility check.
Verify KYC
Upload PAN, Aadhaar and a quick selfie for e-KYC verification.
Get Approved
Our lending partner reviews and approves your loan offer.
Receive Funds
Money is disbursed directly to your linked bank account.
Benefits that go beyond the loan
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Quick access to funds
Emergency-ready credit that doesn’t wait in queues.
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No hidden charges
Processing fee and interest shown before you accept.
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Build your credit history
Timely repayments are reported to credit bureaus.
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Manage everything in-app
Track EMIs, download statements, and prepay anytime.
Documents required
- PAN Card
- Aadhaar Card
- Bank Statement (last 3 months)
- Selfie for e-KYC verification
Eligibility criteria
- Salaried employees only, aged 21–58
- Minimum monthly salary of ₹15,000
- Salary credited to a bank account
- Active mobile number, PAN & Aadhaar
InstaPaise is a loan facilitation platform. Loans are sourced, underwritten and disbursed solely by our RBI-registered NBFC / Bank partners.
What our customers say
“Quick and hassle-free process. Got my loan approved instantly. Highly recommend InstaPaise for urgent funds.”
Trusted Lending Partners
RBI-registered NBFC / Bank
Secure Data Encryption
256-bit, bank-grade
Fast Verification
Instant PAN, Aadhaar & bank checks
Transparent Charges
Fee & total shown upfront
Digital Documentation
Paperless e-KYC & e-sign
Frequently asked questions
You borrow a fixed amount now and repay it in one payment on your salary date. There are no EMIs and no monthly installment schedule to track.
Repayment happens automatically on your expected salary date, in a single transaction from your linked bank account.
We use the salary credit date you provide during the application, verified against your bank statement, to set your repayment date.
Contact our support team before the repayment date and we’ll work with you on a short extension — reach out early to avoid late charges.
No. Processing fee, GST and interest are all shown upfront in the repayment summary before you accept the offer.
Once approved, funds are typically disbursed to your linked bank account within 10 minutes.
Salaried employees aged 21–58 with a minimum monthly salary of ₹15,000 credited to a bank account, and a valid PAN and Aadhaar.
Get the InstaPaise app
Apply, track and manage your loan on the go. Available for Android and iOS.