Starting your first job is exciting, but managing money on a beginner’s salary can feel overwhelming. If you earn between ₹10,000 and ₹20,000 a month, you might be looking for a little extra support to handle expenses or build credit. That’s where credit apps come in. These apps offer small, short-term loans or credit lines that are easier to access, especially for first-time jobbers with limited credit history. In this blog, we’ll walk you through the top 7 credit apps that are beginner-friendly, easy to use, and designed to work with your starting income. Let's jump right in.
Top 7 Credit Apps for First Time Jobbers With ₹10,000 to ₹20,000 Salary
| App Name | Loan Amount Range | Interest Rate | Minimum Salary Requirement | Repayment Tenure | Best For |
|---|---|---|---|---|---|
| Fibe (EarlySalary) | ₹5,000 - ₹5,00,000 | 1.5% - 3% per month | ₹15,000 | 3-12 months | Quick disbursal, no salary slip required |
| KreditBee | ₹6,000 - ₹2,00,000 | 1.5% - 2.5% per month | ₹10,000 | 3-24 months | Low minimum salary requirement |
| CASHe | ₹45,000 - ₹3,00,000 | 1.5% - 3% per month | ₹12,000 | 3-12 months | Social profile-based assessment |
| Freo | ₹3,000 - ₹5,00,000 | 1.5% - 2.5% per month | ₹15,000 | 3-24 months | Credit line with flexible usage |
| Navi | Up to ₹20,00,000 | 0.99% - 2.5% per month | ₹15,000 | 3-36 months | Fully digital process, no physical verification |
| LazyPay | ₹10,000 - ₹1,00,000 | 1.5% - 3% per month | ₹10,000 | 3-12 months | Lenient for young professionals |
| Zype | ₹10,000+ | 1.5% - 2.5% per month | ₹10,000 | 3-12 months | No salary slip required |
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Freo Money – Best All-Round Pick
Freo Money is one of the most useful credit apps for freshers who have just started earning. It gives you a personal credit line of up to ₹5 lakh, but the best part is that you only pay interest on the amount you actually use. So if you just need ₹3,000 or ₹20,000, you can borrow that much and avoid paying more than necessary.
The whole process is digital. You download the app, complete a simple KYC using your PAN, Aadhaar, and a selfie, and then check if you’re eligible. If your in-hand salary is around ₹15,000 to ₹20,000, there’s a good chance you’ll qualify for at least a small amount. You get the money directly in your bank account, and the app gives you full control over repayments and withdrawals.
Why it works for first-time jobbers:
- Withdraw as little as ₹3,000 from your approved limit
- Only pay interest on what you use
- Simple KYC, fully online process
- Works well for people earning ₹15K or more per month
- Also offers insurance, FD, UPI, and credit tools in one place
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Fibe (formerly EarlySalary)
Fibe is built for salaried people who need quick cash before payday. If you earn ₹15,000 or more in a non-metro or ₹18,000 in a metro, you can apply directly through the app. The loans feel like advance salary payouts, and you repay in short EMIs.
You just upload your salary slip, fill in your details, and let the app handle the rest. Fibe understands that freshers may not have high salaries or long job histories, so they focus on keeping the process simple and fast.
Why it works for first-time jobbers:
- Minimum salary requirement starts from ₹15,000
- Loans designed to help with small expenses or salary gaps
- Instant approvals and easy repayments
- 100% digital onboarding
- Helps you build a credit history from your first job
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KreditBee
KreditBee offers fast personal loans starting at ₹10,000, making it perfect if you’re just starting your job and don’t need a huge loan. The app asks for basic documents like PAN, Aadhaar, and your salary slip. Once approved, the money gets transferred quickly to your account.
What makes KreditBee useful for freshers is its low income requirement. If your monthly salary is around ₹10,000 and you meet their household income criteria, you may qualify. The app also has multiple NBFC partners, so even if one lender says no, another might say yes.
Why it works for first-time jobbers:
- Loans start from ₹10,000
- Minimum salary needed is around ₹10,000
- Instant disbursal once approved
- One app, multiple lenders, increasing your chances of approval
- Perfect for those with low income or no credit history
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CASHe
CASHe is a digital-first loan app that works for salaried individuals who want fast cash with minimum paperwork. You register, upload your income proof, and the app checks your eligibility based on salary, credit history, and sometimes even your LinkedIn or Facebook account.
While CASHe is more focused on people earning ₹15,000 to ₹40,000 per month, some of its smaller cash loan products are open to freshers with lower incomes. So if your salary is at least ₹15,000, this could be a good option.
Why it works for first-time jobbers:
- Minimum income for some offers is ₹15,000
- Uses social and employment data to assess eligibility
- Short repayment periods with low ticket sizes
- Digital process from sign-up to disbursal
- Accepts users with limited credit history
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Navi
Navi is known for giving fast personal loans without asking for too many documents. You just enter your PAN and Aadhaar, complete a short e-KYC video, and if you’re eligible, the loan amount gets credited to your bank account in minutes.
Although Navi doesn’t always mention a fixed salary requirement, it does expect a decent credit score and steady income. If you earn closer to ₹20,000 a month and have a clean credit file, you’re more likely to get approved.
Why it works for new jobbers:
- Loans start from ₹10,000
- No fixed salary rule, but credit score and income matter
- Fully online journey with video KYC
- Tenure options go up to 72 months
- Ideal for tech-savvy users with formal income
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LazyPay
LazyPay started as a “buy now, pay later” app but now also offers personal loans. You can apply for a loan of ₹10,000 or more and repay it over 3 to 24 months. The app is built for people who prefer short-term, flexible borrowing.
However, LazyPay generally requires a salary of ₹30,000 or more. If you’re earning near ₹20,000 or expect a hike soon, this app might work for you, but it’s not ideal for those still below the ₹15,000 mark.
Why it works for first-time jobbers:
- Loan amounts between ₹10,000 and ₹1,00,000
- Ideal for higher entry-level salaries (₹30,000 and above)
- Fully digital process
- EMIs over short durations
- Good for travel, bill payments, or small medical expenses
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Zype
Zype is made for salaried users looking for small to medium-sized personal loans. You need to earn at least ₹15,000 per month, upload your documents, and once approved, the money reaches your bank quickly.
Zype is one of the few apps that clearly states its salary criteria upfront, which is helpful if you're unsure where to start. It also gives you flexible EMI options ranging from 6 to 18 months.
Why it works for first-time jobbers:
- Instant loans with easy monthly EMI options
- Minimum salary of ₹15,000 makes it accessible
- Fully online process with quick disbursal
- Works well for users with a steady first job
- Focused on helping you borrow only what you can manage
Closing Thoughts
Credit apps can be helpful when you are just starting your career and learning how to manage money on a modest salary. The right app can cover short-term needs and help you build a credit history if used responsibly. Just remember to borrow only what you need, understand the repayment terms, and stay disciplined with EMIs. When used carefully, these apps can support you without putting extra pressure on your monthly budget.
Frequently Asked Questions
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Which loan app can give me ₹20,000 instantly?
Freo is one of the top choices. It offers quick disbursal and gives you access to a flexible credit line. If your profile checks out, you can get ₹20,000 directly into your account in just a few minutes.
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How to get a loan with a ₹10,000 salary?
It’s possible, but your options may be limited. Try looking at apps that are flexible with thier salary requirements. Those platforms often approve smaller amounts for people with lower incomes. You might need to show some kind of stable income proof, even if it's not a full-time job.
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What is the minimum salary required for credit apps?
It depends on the app. Most credit apps start their eligibility at ₹12,000 to ₹15,000 per month. Some apps look at your spending history or account activity instead of just salary. So if you are around ₹15,000, you’re in a good range to start exploring.
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Can I get a credit app loan without a salary slip?
Yes, many apps now accept other documents like bank statements, Aadhaar-based verification, or even gig income proof. Look at apps like Freo, which are more flexible with documentation. Just make sure to enter consistent and honest details to avoid rejection.
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What's the maximum loan amount I can get with a ₹20,000 salary?
Most credit apps will give you a loan between ₹20,000 to ₹80,000 if your salary is ₹20,000. The exact amount depends on your credit score, repayment history, and the app’s own policy. If you're just starting out, expect lower limits, but they can grow over time with timely repayments.
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How do I avoid debt traps with credit apps on a low salary?
Stick to apps that have clear terms and no hidden fees. Always read the fine print before accepting a loan. Borrow only what you really need, and make sure the EMI fits into your monthly budget. Set reminders so you never miss a payment. And avoid taking multiple loans at once just to pay off others.
