State Bank of IndiaVSFibe (EarlySalary)
State Bank of India vs Fibe (EarlySalary) Personal Loan
Detailed side-by-side comparison — rates, eligibility, pros & cons. Find which is better for your profile.
Interest Rate
10–15% ✓
18–30%
Min CIBIL
650+
No minimum ✓
Max Amount
₹20,00,000 ✓
₹10,00,000
Min Salary
₹25,000
₹25,000
Disbursal
3-5 working days
24 hours
Processing Fee
1.5% (min ₹1,000, max ₹15,000) + GST
From 2% + GST
Prepayment
Nil after 12 EMIs
Nil
Type
BANK
FINTECH
State Bank of India wins on 2 features, Fibe (EarlySalary) wins on 1. But the best lender for you depends on your salary and CIBIL — not just the specs.
State Bank of India
✅Lowest rates for govt employees
✅Accepts 650+ CIBIL
✅Long tenure up to 72 months
❌Slower disbursal (3-5 days)
❌Limited to salaried/govt employees
Fibe (EarlySalary)
✅Works for NTC — no CIBIL required
✅Salary advance feature
✅Good for young salaried employees
❌Only for salaried employees
❌Lower loan amount limit
Frequently Asked Questions
Which is better — State Bank of India or Fibe (EarlySalary) for personal loan?
It depends on your profile. State Bank of India offers rates from 10% (needs CIBIL 650+), while Fibe (EarlySalary) starts at 18% (needs CIBIL 0+). GoCredit’s AI Loan Agent compares both and 50+ other lenders to find the best rate for your exact profile.
State Bank of India vs Fibe (EarlySalary) — which has a lower interest rate?
State Bank of India has the lower starting rate at 10%. However, your actual rate depends on CIBIL score and salary. Check your personalised rate on GoCredit.
What is the minimum CIBIL score for State Bank of India and Fibe (EarlySalary)?
State Bank of India requires 650+, Fibe (EarlySalary) requires no minimum. If your score doesn’t meet either threshold, GoCredit’s AI matches you with lenders that accept your current profile.
Should I apply to State Bank of India or Fibe (EarlySalary)?
Instead of choosing one, use GoCredit’s AI Loan Agent to apply to both simultaneously along with 50+ other lenders. You get the best offer without multiple applications and hard enquiries.
Why Compare Just 2?
GoCredit's AI Loan Agent compares 100+ lenders simultaneously and finds the absolute best rate for your exact profile — salary, CIBIL, and loan amount. One click, all offers.
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Instant result — no signup, no CIBIL impact