SalaryOnTime 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.
Websitehttps://www.salaryontime.com
Products & pricing bands
| Tier | Ticket | Tenure | Rate band | Processing fee | APR band | Disbursal | Min income |
|---|---|---|---|---|---|---|---|
| T2 | ₹5,000 – ₹1,00,000 | 61 – 365 days | 2.5% per month – 6% per month | 3% – 10% + GST | see KFS | varies | ₹20,000 |
Works well
- Focused short-tenure salary-advance product for salaried users needing an emergency loan between paydays
Watch out
- Sparse public disclosure of the lending entity, rate card and grievance machinery — confirm the RBI-registered lender named in the app and agreement before proceeding
- Short-tenure, fee-led pricing typically annualises to a very high total cost of credit
- Smaller brand with limited independent coverage; extra due diligence warranted
Safety checklist
| Names its NBFC partner publicly | — pending verification |
| Key Fact Statement available | — pending verification |
| Avoids contacts/media permissions | — pending verification |
| Grievance officer named | — pending verification |
What borrowers complain about
Public review volume is modest; scattered complaints follow the standard short-tenure-lender pattern (fees larger than expected, firm collection follow-up). Insufficient data for a confident pattern — treat as unverified.
Compare before you commit
Checking offers on KredBaba shows you how SalaryOnTime-class pricing stacks against every other matching lender — with a soft pull, zero CIBIL impact.
See all my offers