Easy Personal Loan in India

Solve your cash crunch applying for an easy personal loan in India from FlexSalary. Life seems unpredictable while dealing with finances and if you have a financial emergency, then applying for a loan is your best solution. With FlexSalary, you can get an easy personal loan in India approved online instantly on the same day you have applied. You can get access to credit anytime with a FlexSalary loan. We offer loans across India.

Easy Personal Loan in India: Features and Benefits

FlexSalary is a loan offering from Vivifi India Finance Private Limited, a non-banking finance company (NBFC) registered with the Reserve Bank of India (RBI). We provide an easy personal loan in India for salaried professionals only. Before applying for a loan, we request you to check your easy personal loan in India eligibility criteria with FlexSalary.

  • Online application process - Our application process is entirely paperless. Just fill the online loan application form and perform a small verification process. If approved, you will be provided with an easy personal loan instantly.
  • No collateral required - You can apply for an unsecured easy personal loan in India with FlexSalary. No need to provide valuable collateral to avail an easy loan.
  • Minimum documentation - Submit only a few basic documents such as ID proofs, address proofs along with your bank statements.
  • No hidden charges - All the fees/charges are clearly stated in the loan agreement because we believe in transparency. Hence, no extra charges are levied once your easy loan gets approved.
  • Instant approval - To get your easy personal loan in India approved instantly, it is ideal to opt for ‘Net Banking’ while applying for a loan. Alternatively, you can also upload your documents, but this option might take additional time in approving your loan.
  • Pay interest only on the amount used - You will pay interest only on the amount that is withdrawn and not on the total amount that is credited to you.
  • Repay & reuse - You will be eligible to withdraw the entire approved amount once again only if you pay your principal outstanding and the interest charged.
    For example, if you withdraw INR 7,000 from a limit of INR 19,000, and you pay back INR 7,000 + interest, you will now be able to withdraw INR 19,000 again.
  • Get cash within 24 hours - Get your loan approved instantly by submitting accurate information. If approved, your loan amount will be disbursed into your account within 24 hours!
  • Flexible EMIs - With FlexSalary, there are no fixed EMIs. You can repay your loan as per your convenience and when you have funds.
  • No spending restrictions - FlexSalary never questions about your spending habits. You are free to spend your money all at once or as per your need.

Easy Personal Loan in India for Your Every Need

FlexSalary offers an easy personal loan for your every need. Let us see some of the examples:

  • Wedding - You can plan a dream destination wedding with an easy personal loan from FlexSalary.
  • Home Renovation - Apply for an easy personal loan in India online with FlexSalary and get your home renovated beautifully.
  • Unplanned Medical Emergency - Now it is easy to apply for an easy personal loan with us and pay for your urgent medical needs.
  • Higher education - Your child’s future is in your hands and you can let your child fly with open wings when you support their education. Whenever short of funds, apply for an easy loan with us and pay for their education.
  • Making a large purchase - Go easy with an easy personal loan in India and buy any big-ticket items in your bucket list.
  • Plan your dream vacation - Turn your boring routine into an exciting one. Apply for an easy personal loan and get wings to your dreams.

Eligibility Criteria for an Easy Personal Loan in India

To be eligible for a FlexSalary loan, you should be -

  • Be an Indian citizen
  • Be 21 years or more
  • Be a salaried individual and get a monthly income of INR 8000 or more

Documents Required for an Easy Personal Loan in India

  • PAN card
  • Residential Proof
  • Government Authorized ID Proof
  • Last 3 months payslips
  • Net banking for electronic verification
  • Photo

Loan Tenure

It is open-ended. You can decide the loan tenure.

How FlexSalary Works

Get an easy personal loan in India in 1 hour by following the steps explained below -

  1. Create Your Account - Visit our website www.flexsalary.com. to create your account. Then, click on 'Apply Now'.
  2. Tell us About Yourself - In the online application form page, fill your personal, employment, and income details.
  3. Verification - For verification, you can e-verify your details by choosing the ‘Net Banking’ option (or) upload all the requested documents and click on the ‘Submit’ button.

Get your loan approved instantly by choosing the ‘Net Banking’ option while applying. Once approved, your funds will be immediately disbursed to your FlexSalary account on the same day, you have applied.

You can also apply for a loan using FlexSalary app. The application process is the same. Download our app here.

Frequently Asked Questions


In India, FlexSalary is your ideal lender to apply for an easy personal loan. Apply for a loan either by visiting the official website of FlexSalary at www.flexsalary.com (or) download the FlexSalary app from the App Store or the Google Play Store.
To be eligible for a FlexSalary personal loan, you have to -
  • Be of Indian nationality
  • Be 21 years or more
  • Be a salaried individual
  • Should get a monthly income of INR 8000 or more
To qualify for an easy personal loan with FlexSalary, you will be requested to submit a few mandatory documents. A copy of Government authorized ID proof, address proof, income proof along with a signed loan agreement, can qualify you for a loan.
You can use a loan for any reason. Be it paying for your medical expenses, last-minute wedding expenses, home renovations, car repairs and impromptu vacations etc.

We can approve any type of loan instantly. The ideal solution to get your loan approved instantly is to opt for e-verification with 'Net Banking' while applying for a loan. Once approved, the loan amount will be transferred into your account immediately.

Credit score plays a very important role in determining your loan approval. A score above 750 is considered good, to approve an easy loan from FlexSalary. However, we also approve loans even if your credit score is low.

You can repay your loan in the form of EMIs (Equated Monthly Instalments). If you are short of funds and unable to pay your monthly EMIs, you can pay the minimum amount.

With FlexSalary, you can apply for a loan from a minimum of INR 4,000 to a maximum of INR 2,00,000.

You can find all the fees/charges related information in the loan agreement. No additional charges are imposed on you after you apply for a loan.

FlexSalary App is India's first app-based credit line. With FlexSalary, salaried professionals can get cash instantly to cover all their emergency needs.

Some of the noteworthy features of a FlexSalary loan includes a one-time application, one-time approval, open-ended loan, instant loan disbursal and flexible repayments.