Short answer: Both are for salaried borrowers. Zype publishes a full range (18% to 34%, fees 2% to 6%) and lends from ₹3,000 with a ₹15,000 income bar. Fibe starts at the same 18%, charges from 2%, lends up to ₹10 lakh, and has nil foreclosure charges.
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
Zype vs Fibe at a glance
| Zype | Fibe | |
|---|---|---|
| Type | Loan app (Respo Financial Capital, an RBI-registered NBFC) | Loan app (formerly EarlySalary; platform for RBI-regulated partner lenders) |
| Loan amount | ₹3,000 to ₹5 lakh | Up to ₹10 lakh |
| Interest rate | 18% to 34% a year (from 1.5% a month) | From 18% a year (reducing balance) |
| APR | Not published | From 18% a year |
| Processing fee | 2% to 6% + GST (Google Play) | From 2% + GST |
| Tenure | 6 to 36 months | 6 to 36 months |
| Minimum income | ₹15,000 a month (Google Play) | ₹20,000 a month in-hand |
| Who can apply | Salaried only (Google Play) | Salaried only (private or public sector) |
| Age | Not stated | 19 to 55 |
| Prepayment and foreclosure | No prepayment penalty | Nil foreclosure charges; no prepayment penalty |
| Product | Term loan (EMI) | Term loan (EMI) |
| RBI-regulated lenders | Respo Financial Capital | EarlySalary Services, Northern Arc Capital, InCred Financial Services, HDB Financial Services, Vivriti Capital, Kisetsu Saison Finance, Piramal Finance, Tata Capital, Cholamandalam Investment and Finance, Oxyzo Financial Services, Krazybee Services, Mirae Asset Financial Services, SMFG India Credit |
| On RBI’s digital lending app list | Yes: 1 RBI-regulated lender lists it; 1Cr+ installs, rated 4.5 | Yes: 14 RBI-regulated lenders list it; 1Cr+ installs, rated 4.6 |
| Also worth knowing | Loans from ₹3,000; Official example: ₹50,000 at 24% for 12 months, EMI ₹4,728 | Soft-inquiry eligibility check; new-to-credit borrowers accepted; Only one active loan at a time |
Install counts and ratings are from Google Play, as recorded on RBI’s digital lending app list check of 5 October 2026.
What a ₹50,000 loan over 12 months would cost
We costed the same loan on each lender’s advertised figures, using the standard reducing-balance EMI formula and adding 18% GST to fees where the lender quotes them before tax. The lowest advertised rate is usually for the strongest credit profiles; many borrowers are offered more.
| Lender | Scenario | Rate a year | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| Zype | Lowest rate, lowest fee | 18% | ₹4,584 | ₹5,008 | ₹1,180 | ₹6,188 |
| Zype | Official example | 24% | ₹4,728 | ₹6,736 | ₹1,475 | ₹8,211 |
| Zype | Highest rate, highest fee | 34% | ₹4,973 | ₹9,679 | ₹3,540 | ₹13,219 |
| Fibe | Lowest advertised rate | 18% | ₹4,584 | ₹5,008 | ₹1,180 | ₹6,188 |
Try your own numbers in our personal loan EMI calculator. For loans quoted only as APR, the APR already includes fees, so the total is an estimate.
Key differences
- Rate: Zype 18% to 34%; Fibe from 18%.
- Fee: Zype 2% to 6% + GST; Fibe from 2% + GST.
- Loan size: Zype ₹3,000 to ₹5 lakh; Fibe up to ₹10 lakh.
- Income: Zype ₹15,000; Fibe ₹20,000 in-hand.
Which should you choose?
Zype may suit you if you earn ₹15,000 to ₹20,000 or need a small amount.
Fibe may suit you if you need more than ₹5 lakh or meet the ₹20,000 income bar.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Who lends through Zype?
Respo Financial Capital Private Limited, an RBI-registered NBFC (per its Google Play listing).
Can I prepay a Zype loan?
Zype says it does not charge a prepayment penalty. Fibe also has nil foreclosure charges.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
Read more: Fibe app review · All loan app reviews · Lender directory
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.