Before dowloading this application from App store I was quite apprehensive after reading reviews & mostly were negative and also I am seeing on Mouthshut there are lot of negative reviews about this app.
As per my experience I got the money to my account from this app and I paid it before the due date. If you pay on time there is no harm. Also if you refer somebody & if the person uses his referral code and take the loan, he & you would get 200 off on your loan amt. I dont know and dont wanna experience the senario what happens when you dont pay on time. It may be frustrating ( after reading others reviews) . Use this simple funda, just pay on time. I even spoke to one of the Early Salary advisor, they had come to my company for promotion and even I got a bottle as a guddy after I got the loan amount to my account, he said if I take loan for 3 to 4 time they would increase my limit too. JUST PAY ON TIME guys. 10k to 20k is not that huge amt if you manage your finance very well. Just keep the due date in you mind and lock it. They are also coming up with EMI card ( They are tieing up with DCB Bank) like Bajaj EMI card.