Sometimes an important expense lands a week or two before your salary is credited. A loan before salary helps you bridge that timing gap without derailing your monthly budget. Speedy Paisa offers this facility to salaried employees across Delhi NCR.
You can borrow ₹20,000 to ₹1,00,000 and align repayment with your salary cycles over a tenure of 3–12 months.
The core problem this loan solves is timing, not affordability. You have the income; it simply has not arrived yet. Rather than delaying a rent payment, a school fee, or a bill and risking penalties, a small loan lets you meet the obligation on time and repay once your finances normalise.
Because the underlying need is a timing gap, we encourage borrowing modestly and repaying quickly. Interest at 0.33% per day accrues daily, so a loan you clear within a cycle or two costs far less than one carried for the full tenure.
As with all Speedy Paisa products, this is available only to salaried professionals in Delhi NCR, is issued under an RBI-registered NBFC framework, and requires mandatory physical verification.
Meet time-sensitive payments before your salary lands, then repay in step with your pay cycle.
Choose a 3–12 month tenure so repayments sit comfortably alongside your monthly income.
Daily interest accrual means clearing the loan within a cycle or two keeps the cost low.
Pay important dues on time instead of incurring late charges elsewhere.
Borrow only what you need to bridge the gap.
Clear charges under an RBI-registered NBFC — no hidden costs.
Repay in line with your salary so budgeting stays simple.
Confirm you are salaried, in Delhi NCR, and earning ₹35,000+ per month.
Request a modest amount sized to your timing gap.
We review your salary slips and bank statements to confirm repayment capacity.
A mandatory in-person verification confirms your details.
On approval, funds reach your account, typically within 24–48 hours.
Speedy Paisa charges interest at 0.33% per day on the sanctioned amount. For example, on a ₹50,000 loan held for 30 days, interest works out to roughly ₹4,950 (₹50,000 × 0.33% × 30). Interest accrues daily, so repaying early reduces your total cost.
A one-time processing fee of 10% plus applicable GST is deducted from the sanctioned amount at disbursal, so the net amount credited to your account will be lower than the sanctioned figure. All charges are disclosed to you in writing before you accept the loan — there are no hidden fees.
If you find yourself needing a loan before salary every single month, it may point to a recurring budget gap worth reviewing rather than repeatedly borrowing.
Important: Guarantor Requirement
Applicants living in rented accommodation must provide a guarantor during loan processing. Applicants living in their own house do not need a guarantor. This requirement is part of our RBI-compliant NBFC verification process.
A facility designed specifically for salary-timing gaps in Delhi NCR.
Transparent, disclosed charges with no hidden fees.
Backed by an RBI-registered NBFC (Vintage Credit & Leasing Pvt. Ltd.).
Repayment structured around your salary cycle.
Available only for salaried employees earning ₹35,000+ in Delhi NCR. Subject to eligibility, verification, and approval.
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