Instant Loan

In desperate need of cash? We can be of help!

Make your ends meet with an instant loan from FlexSalary. Apply for a collateral-free instant loan to pay for your emergencies.

Get approved for a customized personal loan up to INR 2,00,000 within 1 hour.

Apply Now

Instant Loan from FlexSalary can be your immediate saviour when you are stuck in a financial emergency. FlexSalary abides by the new-age lending technologies, helping you to access instant loans, in the need of the hour. If you meet our eligibility criteria, you can get an instant loan in India, on the same day you have applied.

You can also apply for an instant loan with our FlexSalary app. Download the app either from the Play Store or the App Store.

Instant Loan: Features and Benefits

FlexSalary provides instant loans for salaried professionals only. With FlexSalary, you can get cash on the same day, when you apply for an instant loan online. This process entirely depends on the accurate information you provide which can help us in processing your details immediately and approving your loan instantly.

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).

Following are the features and benefits of our instant loan:

  • No collateral - With FlexSalary, you can get unsecured instant loans . You are not required to submit any of your valuables as a security to get a loan.
  • Paperless application process - The entire loan application process is paperless and carried out online.
  • Minimum documentation - To get an instant loan, you must submit a few mandatory documents only such as identity proof, address proof, income proof, etc.
  • No hidden charges - We believe in transparency. Hence, no hidden charges are levied on you after you apply for an instant loan.
  • Instant approval - Your loan eligibility can be promptly determined. So, submit your accurate information and get your instant loan approved online within no time.
  • Get cash within 24 hours - Once your loan gets approved, the loan amount will be disbursed into your account within 1 day.
  • Flexible repayments - You can repay your loan in flexible payments. If you are unable to pay your monthly EMIs due to shortage of funds, you can pay only the minimum amount every month until you are financially stable.
  • No spending restrictions - You will never be questioned about your spending habits. You are free to spend your money all at once for your personal use.
  • Pay interest only on what you use - Interest is paid only on the amount that is withdrawn from your account and not on the total approved amount.

Instant Loan for Your Every Need

  • Wedding - With an instant loan, you need not worry about the extra or last-minute wedding expenses. Solve your wedding financial crunches by applying for an instant loan online.
  • Home renovation - Are you planning to renovate your home for the upcoming occasion, but short of funds? An instant loan from FlexSalary can be your saviour when you need immediate cash.
  • Unplanned medical emergency - Health issues are unpredictable and so are its expenses. Just apply for an instant loan, whenever you are low with cash and address all your medical emergencies with ease.
  • Higher education - Add extra feathers to your child’s education. Never stop learning and always keep dreaming to achieve higher. Make sure to meet your child’s educational expenses concerning course fees, travel expenses and hostel charges with our instant loan.
  • Making a large purchase - Buy any type of consumer durables such as TV, Refrigerator and many more with our instant loan. Apply, get approved and buy the product you desire. Simple, right.
  • Plan your dream vacation - Is your monotonous life boring and need a break to rejuvenate yourself? Then what is stopping you - cash problems? Don’t worry, pack your bags and reach your dream destination. Apply for an instant loan with us and cover your expenses such as flight tickets, hotel bookings, etc. with our loan.

Eligibility Criteria for an Instant Loan

Before applying for the loan, know your instant loan eligibility:

  • Nationality - Should be an Indian
  • Occupation - Should be a salaried individual
  • Income - Should have a monthly income of INR 8000
  • Age - Should be 21 years or more

Documents Required for an Instant Loan

  • PAN card
  • Residential Proof
  • Identity Proof
  • Photo
  • Last 3 months payslips
  • 'Net Banking' verification to validate your bank account and your salary information

Loan Tenure:

An instant loan is open-ended. You can decide the loan tenure.

How FlexSalary Works

Get an instant loan in 1 hour by following the below-mentioned steps:

  1. Create Your Account - Can create your account by visiting the FlexSalary website at www.flexsalary.com. Click ‘Apply Now’.
  2. Tell us About Yourself - In the online application form page, fill your personal details, employment details, and income details.
  3. Upload Your Documents - Either opt for ‘Net Banking’ or upload all the requested documents and finally submit your loan application.

The chances of verifying and approving your loan instantly will be more when you choose ‘Net Banking’. Once approved, your loan amount shall be disbursed immediately into your account within a few hours.

Frequently Asked Questions


You can apply for an instant loan either by visiting the FlexSalary website at www.flexsalary.com (or) by downloading the FlexSalary app from the Play Store or the App Store.
Your eligibility criteria for an instant loan:
  • Indian nationality
  • Salaried individual with a monthly salary of INR 8000
  • Have an age of 21 years or above
You must submit a few mandatory documents such as your identity proof, residential proof, and income proof.
An instant loan can be utilized to solve any kind of financial emergencies of yours. Be it medical expenses, last-minute wedding expenses, home renovations, car repairs, paying your child’s tuition fees, and impromptu vacations. You can use an instant loan absolutely for any reason.

With FlexSalary, you can get any type of loan instantly. You can apply for a loan by visiting the official website at www.flexsalary.com or you can also apply from FlexSalary app.

For a faster verification and approval of your loan, choose ‘Net Banking’ while applying for our loan.

Credit score plays a very important role in determining your loan approval. Hence, a credit score above 750 is considered ideal to get approved for a loan.

Do not worry, if your credit score is low! FlexSalary considers other eligible factors such as creditworthiness to approve your loan.

You can repay your instant loan in the form of EMIs (Equated Monthly Instalments). If you are short of funds and unable to pay your monthly EMI, you have the flexibility to pay the minimum amount.
You can apply for a loan amount anywhere from a minimum of INR 4,000 to a maximum of INR 2,00,000.
No hidden and pre-payment charges are imposed on our customers when you apply for an instant loan.

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

Electronic Bank Verification is a revolutionary process used by banks, lenders and other financial institutions to verify the financial status of a potential customer. While applying for an online same day loan with Loan Granted, you can choose the EBV option instead of 'Upload Your Documents' option to get same day loan approval.
Your same day loan application with Loan Granted will be rejected if your profile doesn't meet our eligibility requirements.