An Easy Advance On Your Salary In Minutes

‘Anytime Salary’

Advance Salary loans by Aasaan Credits to cover all your personal expenses. Fast, Safe, and Simple

No matter what your Money needs are, Aasaan Credits Has You Covered

Know more about advance salary loans criteria and documents requirement

About Anytime Salary

Need an advance salary or instant cash for your urgent requirements? No problem, because we have you covered! We understand that the cash crunch is a part of everyone’s life be it one’s wedding, vacation, or if you are planning to buy a fancy gadget. For salaried professionals their salary is the only limited source of cash. What if there is an option to get advance on your salary which you can pay-off in small EMIs over the months? Awesome, isn’t it?

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Eligibility Criteria

  • Minimum salary should be Rs. 20,000
  • Total work experience should be a minimum of 1 year
  • Minimum age of borrower should be 21 years and maximum of 52 years
  • Applicant should have a satisfactory credit score
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Documents For Anytime Salary

  • KYC documents of applicant
  • Salary slips of the last 3 months
  • Bank Statements for the last 6 months
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Our Process

Upload advance salary loan documents online in minutes and get instant loan approval

1. Apply & Upload

Easily fill our loan application, using your desktop or mobile phone and upload your documents.
It just takes 3 minutes to
complete the process.

2. Get an Approval

Based on the details provided, you will get final approval in less than 3 hours. After approval, your application will be processed for agreement signing.

3. Get Money

Loan amount disbursal will be done on a same day if approved before 1 PM. You will get the cash in your bank account without any delay. Use the cash at your convenience.

Advance Salary loans advantages

Below features make us better

All time access to money

You are anytime eligible to get cash up to 5 times of your current salary.

Quick Approval

Hassle-free and quick process without physical verification.

Minimum Documentation

You won’t like to arrange papers or wait for physical verification, right? Neither we do. Just apply, upload and get approved.

Short Tenure Loans

Short tenure options are best for salaried people. The interest paid is much lesser compared to long tenure loan.

Easy Online payments

It doesn’t matter if you failed to pay your EMI on time. Online payment facility to pay EMIs without any surcharge.

What is Anytime Salary?

Anytime salary is an Advance Salary Loan offered to salaried people. Advance salary loans are easy to get as it does not have lengthy documents and verification process. Loan amount eligibility in advance salary loans are calculated on the basis of your net monthly salary.

How advance salary loans work?

Anytime salary offers advance on your salary up to 5 times of your net monthly salary. The maximum loan amount in Anytime Salary is 2 Lacs. To understand the eligibility calculation for advance salary loans, let’s suppose if someone is earning INR 30,000/- per month, he is eligible to get INR 150,000/- within one day. The repayment tenure for advance salary loans is minimum 1 month and maximum of 36 months.

Why Anytime Salary?

Anytime Salary is an advance salary loan which provides quick access to cash up to 2 Lacs. Anytime Salary is exclusively designed for salaried professionals to help them get the loans as easily as possible. Anytime salary doesn’t have lengthy documents and verification process. All you need to do is to submit your KYC documents, one address proof and the bank account statements. Basis on your documents we will approve your loan in one day.

How you can use advance salary loans?

Advance Salary Loan comes in cash to your bank account so you can use it in a way you want.

Buy new furniture

Renovating house is always an awesome experience, you can apply for salary advance loan up to 2 Lacs from Aasaan credits to enhance your personal lifestyle.

Pay house rent

Your house owners can be annoying sometimes if you are late to pay your rent on time. Take advance salary loans from Aasaan Credits and make your rent payment on time.

Pay credit card dues

Don’t stake your credit score when your salary is late. Take advance salary loans from Aasaan Credits and pay your EMIs on time.

Be a part of every travel plan

Don’t miss a chance to travel with your friends. Take your salary in advance and pay later. After all experience matters the most.

Buy gadgets you desire

You should not wait to use a new technology. Buy whichever gadgets keeps you updated. Use our advance salary loans to get the desired stuff.

Pay down payment of your dream bike

Short from money to ride your dream bike? You can use our advance salary loan to pay down payment for your bike.

Shop for wedding occasions

Wedding occasions are exciting be it a friend’s or your own, make it memorable. Take advance salary loans from Aasaan Credits to meet your wedding expenses.

Check your rate image

Fill in the details to get an estimate of your loan eligibility. This will not affect your credit score.

Anytime Salary Fee & Interest Rates

Advance Salary loan rates

Interest Rates


Processing Fee


Loan tenure

3 months to 36 months

Loan Amount

₹25,000 – ₹2Lacs

Foreclosure charges

NIL for 6 months*

Installments repayment


More information on Advance Salary Loans

Advance Salary loans are offered to salaried professionals up to a certain limit based on their net monthly salary. Advance salary loans come as instant cash loans or personal loans for self-use. Generally, these loans are repaid on a monthly basis by dividing loan amount into equal sums called as an EMIs. These EMIs consist two parts, interest and principal amount.

Calculation of advance salary loans

Advance salary loans are like any other personal or cash loans so the calculation of EMIs and repayments are done on universal formula of reducing balance method. Every month your principal amount gets reduced and the interest is charged only on the remaining principal part.

Frequently Asked Questions

How can I apply for loan with Aasaan Credits?

There are multiple ways to apply for loans with us. You can apply directly from our website by giving your details and documents. Our loan application engine expedites the process of disbursal when applied online. You can also request a call back through our website, our experts will help you with the application.

What types of loans can I avail from Aasaan Credits?

You can avail loans for any purpose be it a wedding, travelling, buying household goods, gifting, business, paying hospital bills, education fees etc. We have categorised all your needs into five categories i.e. Aasaan Money (Small personal loans for salaried and business people), Business PLUS (only for small and medium-size businesses), AnyTime Salary (Only for salaried professionals), Swasthya Dhan (Health Loans) and Shiksha Dhan (Education Loans)


You can get up to Rs. 10 Lacs instantly based on your income and obligations.

Is Aasaan credits Pvt Ltd a Bank or NBFC?

Aasaan Credits is a brand name of SFIPL (Shivji Finance and Investments Pvt Ltd) a Non-Banking Financial Company registered with Reserve Bank of India. All Aasaan Credits loans are issued by SFIPL.

How much time will it take to get the loan approval from Aasaan Credits?

Our processes and systems are designed to approve the applications in less than an hour. However, in some cases it can take up to 48 hours.


We don’t have any policy which controls the usage of money. It’s up to you how you want to spend it.


Your EMIs are calculated based on your loan amount and the tenor. At Aasaan Credits we calculate the EMIs on the reducing balance method where interest is calculated every month on the outstanding loan balance only and not on the whole loan amount. EMI payment every month comprises interest payable for the outstanding loan amount for the month plus principal repayment. On every EMI payment, outstanding loan amount reduces by the amount of principal repayment.

How does the loan EMI get calculated?

Loan EMI gets calculated from the universal formula on reducing basis.

Do I need to pay any processing charges to avail the loan?

There is a processing fee of 2% for availing the loan. Processing fee will be deducted from the disbursal amount. You don’t need to pay anything until the loan is disbursed.


You can choose the loan tenor for a minimum of 1 month to a maximum of 36 months.

How will I pay back my EMIs?

Before we disburse the loan amount, you sign the NACH (National Automated Clearing House ) mandate with us. Based on the mandate our bank will automatically deduct the EMI amount from your bank account on the due date every month.

What if there is a NACH bounce from my bank account?

The bank will levy certain bounce charges/penalties. In addition, it will get reported in your credit report. Depending on the severity of the default, it can have a serious impact on your future credit possibilities like home loan, car loan etc.

Can I foreclose my loan?

Yes, you can always choose to close your loan account with us.

I have not taken any loans in the past, due to this I don’t have any credit history. Will I get the loan from Aasaan Credits?

Yes, you can get the loan even if you don’t have credit history. Your credit/CIBIL scores are not the only factors we consider before deciding your borrowing capability.


We cater to a very specific loan segment with customised offerings. Due to strict policies in banks, they do multiple checks on your loan application. In fact, banks do not focus on small loans. Whereas we only target our pre-defined market and accept all the loan requests coming our way.

Would you like to speak to one of our financial advisors?

Just submit your contact details and we’ll get in touch shortly.