Line of Credit Loan

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Line of Credit Loan from FlexSalary provides you instant access to funds with zero collateral, at the need of the hour. Whatever be your need - paying for children’s education, home renovation or any last-minute wedding expenses, we have a solution in the form of an instant loan . The loan application process with FlexSalary is simple, online, quick and paperless. You can apply for line of credit loans from the FlexSalary App which available in both Play Store and App Store.

Line of Credit Loan: Features & 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)*. You can get a line of credit loan in 1 hour along with these amazing features and benefits provided:

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Non-collateral loans

Since FlexSalary’s line of credit is unsecured which means you don’t have to submit your assets as a guarantee to get a loan.

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Completely online

The loan application process is easy, online, paperless and quite simple compared to other loan applications. We have put an end to the lengthy documentation process.

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One-time sign-up

Sign up once and apply for a loan any number of times.

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One-time application and one-time approval

FlexSalary has a one-time application process. Get approved for a loan, use the credit and repay it. As soon as you repay, FlexSalary algorithm instantly increases your credit limit in your account.

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Quick verification

Your loan application is quickly processed and your loan eligibility is promptly determined.

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Same day approvals

Our Line of credit loans are approved and disbursed on the same day.

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Any time access to credit

You can access the money from anywhere and at any time.

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Low CIBIL score? No problem!

FlexSalary offers a line of credit loan for salaried professionals even if they have a low credit score.

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Easy loan repayment

We provide you with a flexibility to pay only the minimum amount when you are unable to pay your monthly EMI payment.

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Not using your funds? Then don’t pay

You pay interest only on the amount that is withdrawn, else no interest is charged on the total borrowed amount.

Line of Credit Loan: Eligibility

Here is our line of credit loan eligibility criteria:

Citizen Indian citizen
Age Minimum eligible age is 21 years
Occupation Salaried individual
Income You must have a salary of at least INR 8000

It is always advisable to maintain a good CIBIL score, as it increases the chances to get a line of credit loan with lower interest rates. A low CIBIL score will lower your chances to avail line of credit loans.

Documents Required to Apply for a Line of Credit Loan

You can get a line of credit loan approved online by submitting a few mandatory documents.

  • PAN card
  • Identity proof
  • Residential proof
  • Income proof
  • Passport size photographs

Loan Amount

Avail line of credit loans ranging from INR 4,000 to INR 2,00,000.

Loan Tenure

Our line of credit loans has a flexible loan tenure which is up to 3 years.

How to Apply for a Line of Credit Loan at FlexSalary?

To avail a line of credit loan in 1 hour, follow this 3-step process:

Visit the FlexSalary website at and click on ‘Apply Now’ to register as a new user.

Fill the online form by entering all the requested details.

Either opt for Net Banking Verification or upload the requested documents and click on ‘Submit’ to begin the loan verification and approval process.

For mobile users:

Download the FlexSalary App either from the Play Store or App Store and click on the ‘Apply Now’ button.

Fill in your personal and financial details as requested.

Perform Net Banking Verification or upload the mandatory documents and click on submit.

The loan approval process begins instantly. Within a few minutes, your loan will be approved if you meet our criteria and the funds will be disbursed in a few hours.

Frequently Asked Questions

You can apply for a loan either by visiting (or) download the FlexSalary app from the Google Play Store or the App Store.
To be eligible for a FlexSalary line of credit loan, you have to -
  • Be an Indian citizen
  • Be 21 years of age or more
  • Be a salaried individual
  • Should get a monthly income of INR 8000 or more
You can use an line of credit loan for any emergency such as medical expenses, last-minute wedding expenses, home renovations, car repairs and impromptu vacations.
With FlexSalary, you can get any type of loan approved instantly. Opt for e-verification with 'Net Banking' so that you will be instantly approved and 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. However, FlexSalary may consider other additional factors to approve your loan even if your credit score is low.
You can repay your loan in the form of EMIs (Equated Monthly Instalments). You can pay the minimum amount when you do not have sufficient funds to pay for your monthly EMIs.

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

We believe in transparency. There are no hidden charges and no prepayment penalty.

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

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