Low Salary Personal Loan in India

Need a loan Immediately but worried about your low salary? We approve a low salary personal loan in India and solve all your financial worries. 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 apply for a loan amount from a minimum of INR 4,000 to a maximum of INR 2,00,000. You can apply for a low salary personal loan in India online, either by visiting the official website of FlexSalary or download the FlexSalary app from the App Store or Google Play Store and apply for a loan.

Low Salary Personal Loan in India: Features and Benefits

FlexSalary provides low salary personal loan in India for salaried professionals only. With minimal documentation and easy-to-meet eligibility criteria, you can get the money on the same day you have applied.

Some exciting features and benefits that we provide:

  • No collateral - Get approved with an unsecured low salary personal loan from FlexSalary in less than 1 hour without pledging any of your assets as collateral.
  • Paperless application - The entire application process is paperless and carried out online. So, you can apply for a loan in a few clicks.
  • No hidden charges - All charges are clearly mentioned in the loan agreement and there are no hidden charges levied on you.
  • Get cash within 24 hours - Do not compromise on any guarantees and get the quickest and easiest loans in India from FlexSalary within 24 hours.
  • Minimal documentation - Submit a few basic documents such as ID, address and income proofs along with your bank statements for verification.
  • Flexible repayments - With FlexSalary, you can pay your loan in flexible payments.
  • Instant approval - Get instantly approved for a loan by choosing 'Net Banking' option while applying for our loan.
  • No restrictions on spending - FlexSalary never questions about your spending habits and can spend your loan money all at once or as per your needs.
  • Pay interest only on what you use - You pay interest only on the amount that is withdrawn and not on the total amount that is credited.

Low Salary Personal Loan For Your Every Need

With a low salary personal loan, you can solve any financial needs like the ones mentioned below:

  • Wedding - Any last-minute wedding expenses can be handled by a low salary personal loan from us.
  • Home renovation - You don't have to wait until you receive your salary. Apply for a loan in India online from FlexSalary and get your home renovated.
  • Unplanned medical emergency - Pay for your medical bills with a low salary personal loan from FlexSalary.
  • Higher education - Meet all your child's education expenses with a loan from FlexSalary. Pay for their tuition fees, hostel charges and any other educational needs.
  • Making a large purchase - If you are planning to make a large purchase but don’t have enough cash, apply for a loan with FlexSalary to meet your needs.
  • Plan your dream vacation - Your low salary shouldn’t stop you from making your dreams come true. Travel to your loved destinations by qualifying for our simple eligibility criteria and get cash to cover your travel expenses.

Eligibility Criteria for Low Salary Personal Loan in India

Check your eligibility for a low salary personal loan in India with FlexSalary:

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

Documents Required for Low Salary Personal Loan in India

  • Identity Proof
  • Residential Proof
  • PAN card
  • Last 3 months payslips
  • Photo

Loan Tenure

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

How FlexSalary Works

With FlexSalary, it is easy to get a low salary personal loan in India in 1 hour by following these 3-steps:

  1. Create Your Account - Visit the FlexSalary website at www.flexsalary.com. Click on 'Apply Now' and create your account.
  2. Tell Us About Yourself - In the online application, fill your personal, employment, and income details.
  3. Verification - Either upload the mandatory documents or opt for the 'Net Banking' option. If you choose Net Banking, your loan can be approved in a few hours and funds will be disbursed into your 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 apphere.

Frequently Asked Questions


Apply for a loan either by visiting the FlexSalary website or by downloading the FlexSalary app from the Play Store or the App Store.
You should be a:
  • Citizen of India
  • Have an age of 21 years or above
  • Salaried individual with a monthly salary of INR 8000
To get your loan approved, you should submit a copy of your identity proof, residential proof, income proof and a few other mandatory documents.
You can pay for your last-minute wedding expenses, medical or educational expenses or even pay for an unplanned vacation you would like to take.

With FlexSalary, you can get a low salary personal loan instantly, when you opt for the 'Net Banking' option while applying for our loan.

With a credit score of 750 or above, you can qualify for a loan from FlexSalary. But a credit score is not the only criteria considered when you apply with FlexSalary, there are additional factors taken into consideration to approve your loan.

You can repay your loan in the form of EMIs (Equated Monthly Instalments). If you are not having enough cash and unable to pay your monthly EMI, you can pay the minimum amount.

You can apply for a loan from INR 4000 up to INR 2,00,000.

FlexSalary believes in transparency. All charges are mentioned in the loan agreement and there are no hidden charges levied on you.

FlexSalary is India’s first emergency line of credit that provides loans to salaried individuals. With a FlexSalary loan, you can solve all your financial needs.

Noteworthy features of FlexSalary include a one-time loan application, one-time approval, open-ended loan, instant loan disbursal and flexible repayments.