FlexSalary Instant Loan App

Get a personal loan up to Rs.3,00,000 - apply online and get approved fast.
FlexSalary is an instant personal loan app and quick loan solution for salaried and self-employed individuals across India. No branch visit required. Apply for an online instant loan - the entire process is 100% digital and paperless.

HOW TO GET INSTANT LOAN APPROVAL IN 3 STEPS

1. Download the FlexSalary instant loan app and register with your mobile number
2. Complete a quick loan eligibility check and submit your documents online
3. Get instant loan approval and transfer funds directly to your bank account

PERSONAL LOAN FEATURES

• No Collateral Required: Apply for a quick personal loan without any security deposit or guarantor
• Online Loan Application: Complete your instant personal loan application without any physical documents - upload everything through the app
• Fast Personal Loan Decision: Apply for a fast personal loan and get a quick decision without long waiting periods
• Zero Prepayment Charges: Repay your personal loan early at any time with no additional penalty
• Secure & Paperless: Your documents and personal data are handled through a fully encrypted and secure digital platform
• Transparent Charges: All fees are clearly disclosed before you accept the loan - no hidden surprises

LOAN PURPOSE

A FlexSalary instant loan online can help with:
• Medical emergencies and healthcare expenses
• Upskilling and professional development costs
• Major purchases and home-related expenses
• Urgent travel expenses
• Other urgent personal or family financial needs

ELIGIBILITY

To apply for an online instant personal loan with FlexSalary, you must be:
• An Indian citizen
• 21 years of age or above
• Earning a monthly income of Rs.8,000 or above

Salaried and self-employed individuals are eligible. Applicants with varied income profiles may also be considered for a quick personal loan.

DOCUMENTS REQUIRED

• Identity Proof: Aadhaar, Driving Licence, Passport or Voter ID
• PAN Card
• Address Proof: Driving Licence, Aadhaar, Utility Bills, Passport, or Voter ID
• Income Proof: Last 3 months' Payslips & Bank Statements

TRUST & SECURITY

• FlexSalary personal loans are offered by Vivifi India Finance Pvt. Ltd. (N-09.00447), an RBI-registered NBFC
• Your data is securely processed and used only for loan verification and servicing purposes in accordance with applicable privacy policies.
• All personal and financial information is protected with end-to-end encryption
• A member of FACE and UFF - committed to responsible and ethical lending practices

FEES & CHARGES

Loan Amount: Up to Rs. 3,00,000
One-time Processing Fee: Up to 5% + GST (charged at first withdrawal)
Loan Tenure: 10 to 36 months
APR: 20% to 70%
Late Fee: Up to Rs. 150 per instance
Auto-Debit Failure Charges: Up to Rs. 60 per instance
Prepayment Charges: Rs. 0

LOAN EXAMPLE

Loan Amount Approved: Rs. 2,00,000
Processing Fee: Rs. 11,800
Annual Rate: 34%
Tenure: 9 months
EMI: Rs. 25,425.75
Total Interest: Rs.