A short-term personal loan is designed for expenses you can comfortably clear within a few months rather than stretching repayment over years. Speedy Paisa offers such loans to salaried employees across Delhi NCR with tenures between 3 and 12 months.
Because the borrowing window is short, you pay interest only for the period you actually need the money — making it a sensible option for planned, time-bound expenses.
Short-term borrowing suits situations where you expect your cash flow to recover within a quarter or two — for instance, a large expense that will be offset by an upcoming bonus, reimbursement, or a couple of salary cycles. Instead of committing to a multi-year EMI, you settle the amount quickly and move on.
Speedy Paisa is a digital lending platform backed by Vintage Credit & Leasing Pvt. Ltd., an RBI-registered NBFC. We keep the product deliberately narrow: loans from ₹20,000 to ₹1,00,000, only for salaried professionals in Delhi NCR, with a transparent cost structure and mandatory physical verification. This focus lets us assess applications quickly and responsibly.
We do not encourage borrowing beyond what your monthly salary can service. Before you apply, it is worth mapping out how the repayment will fit alongside your existing commitments over the chosen tenure.
Choose a repayment window of 3 to 12 months so the loan matches your specific need rather than a rigid long-term plan.
Borrow between ₹20,000 and ₹1,00,000 — enough for genuine needs without over-leveraging your monthly income.
Interest of 0.33% per day and a clearly stated 10% + GST processing fee mean you know the full cost before you sign.
Daily interest accrual means early repayment directly lowers your total outgo.
PAN, Aadhaar, recent salary slips and bank statements are usually enough.
Your loan is issued under an RBI-registered NBFC framework with proper documentation.
A short tenure means you are not tied to years of EMIs.
Answer a short set of questions to confirm you meet the Delhi NCR, salaried and income criteria.
Share your details and the amount you need. Keep it aligned to what your salary can service.
Our team reviews your salary slips and bank statements to assess repayment capacity.
A mandatory in-person verification confirms your identity and address as per NBFC norms.
After successful checks, funds are typically disbursed within 24–48 hours to your bank account.
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.
Because tenures are short, the total interest you pay is usually far smaller than on a long-duration loan of the same amount — provided you repay on schedule.
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 tightly-scoped product built specifically for short-term, salaried borrowing in Delhi NCR.
Transparent pricing disclosed in writing before you accept — no hidden charges.
Backed by an RBI-registered NBFC (Vintage Credit & Leasing Pvt. Ltd.).
Human verification that protects both you and the lender from fraud.
Available only for salaried employees earning ₹35,000+ in Delhi NCR. Subject to eligibility, verification, and approval.
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