FlexSalary is founded by technocrats and career bankers having a collective experience of over 75 years in secured and unsecured retail lending. It is a branded loan product of Vivifi India Finance Private Limited, a non-banking company (NBFC) registered with the RBI. To address the lack of lending products for India’s ever-increasing population and its demands, the company was set up with the primary objective of doing business as a non-banking company in unsecured retail consumer lending segment. 

A quick brief about the NBFC

  • It has become one of the fastest-growing Telangana-based- Fintech startups in a short span of time. 
  • The flagship lending product FlexSalary of Vivify India Finance Private Limited (Vivify) has crossed INR 100 crore mark in total disbursements.
  • FlexSalary eases out the immediate need for the requirement of funds of individuals, who do not have access to formal loan products.
  • In less than 2 years of operations, FlexSalary has disbursed more than 35,000 loans.
  • It is emerging as one of the most preferred digital lending companies for short term instant cash.

Features of FlexSalary

  • It provides loan up to a maximum of Rs 2 lakh
  • For availing a loan from FlexSalary, the user needs to create an account on the website.
  • As the personal loan is an unsecured loan, there is no need to put up any collateral as security.
  • The loan can be approved instantly on the submission and verification of documents by the borrower. 
  • On approval, the loan gets disbursed on the account within 24 hours to the bank account. 
  • There is no fixed monthly installment for this loan

Eligibility to apply for FlexSalary Loan

  • An applicant should be a resident of India
  • Should be above 21 years of age
  • Must draw a minimum monthly income of Rs 8,000 and above.
  • Must have minimum work experience of three months
  • Must have a bank account in working condition

How does FlexSalary work?

To apply for a loan at FlexSalary, you will have to follow the below steps.

  • The applicant will have to sign-up on the portal of FlexSalary
  • With the account created on the portal, the user can apply for the loan more than one time, without the need of filling the new application form.
  • Users can access credit anytime.
  • Users can choose the repayment amount as per convenience.
  • There are no pre-payment charges on closing the loan before the tenure.

Documents required to apply for a loan at FlexSalary

  •  Proof of Identity
  • Proof of Address
  • Bank Statement
  • Latest payslips
  • Passport size photo

Flex Salary Interest Rate and other charges

Flex Salary offers personal loan to borrowers at the following rates:

Annual percentage rate – 36%

Processing Fee- One time payable only on loan disbursement- Rs 650

Types of FlexSalary Loans

FlexSalary offers loans for different financial requirements of the individual. Below is the list of loans provided by FlexSalary.

  • Personal LoansThis loan is been provided for medical emergencies, planning a wedding, home renovation, etc.
  • Travel Loans This loan is been provided to cover travel expenses for both domestic and international destinations.
  • Executive Education Loans – These loans assist in providing funds for higher education.
  • Debt Consolidation loans – These loans help in paying off various small loans by consolidating it into one.

How to apply for a loan at FlexSalary?

FlexSalary ensures a hassle-free and convenient loan application procedure for users when in need of the loan. FlexSalary loans can be applied both through the app and portal. 

Through the App

  • FlexSalary App can be downloaded from the Google Play Store- Download Flexsalary
  • User will have to register to apply for the loan, after running the app
  • It will ask about the user’s name, monthly income, email ID, phone number, etc.
  • With the OTP sent to the registered number, the account will be created with a username and password.
  • The user will have to select the loan amount and the tenure of the loan. 
  • To complete the KYC procedure, the user will have to upload the necessary documents.
  • The loan application gets assessed and approved, based on the credit score.
  • On getting approved, the loan will be disbursed to the user’s account within 24 hours.

Apply Quick Loan

Through the website

  • Visit the portal
  • On the right corner of the main menu, click on the apply now button
  • Fill in the personal details
  • Upload all the necessary KYC details
  • Choose the loan amount and tenure as per your capability

apply instant personal loan

FlexSalary- Customer Care and Contact Details

For any issues, queries, and grievances, you can get in touch with customer care numbers:

WhatsApp Numbers = +91 9908795151, +91 9908935151, + 919100038349

Calling Number - 40-4617-5151

Official Email Id-


Q1Can a self-employed individual apply for this loan?
Well, currently this loan can only be availed by salaried individuals. Applicants applying for the loan should have minimum work experience of three months and a salary of at least Rs 8,000 per month.
Q2What mode of repayment is used at FlexSalary?
ECS is the mode of repayment, by which individuals repay the loan. The ECS facility activated on the due date, automatically ensures that all repayments are made on time.
Q3Is FlexSalary operational PAN India?
As of now, FlexSalary is operational in cities of Bangalore, Mumbai, Pune, Delhi, and Hyderabad.
Q4Is providing documents online safe, while applying for the loan?
Absolutely Yes! The sensitive data that is collected at FlexSalary is ensured to be secure and confidential. For storing all the information collected from the users, FlexSalary has a controlled database. The security of the information is maintained by the restricted entry to this database.
Q5What is a flexible repayment tenure?
As per convenience and repayment capability, applicant can set the repayment tenure of the loan at the time of submitting the loan application.
Q6For what purposes, the loan availed from FlexSalary can be used?
The use of funds availed from personal loans is not restricted to any specific usage. The funds can be utilized for medical emergencies, for renovating the home, travel expenses, education needs, consolidating debt, for planning a wedding, for arranging for the down payment of home loan etc.