Personal Loans Without Documents in India

A personal loan without documents in India from FlexSalary can save you when you are in a financial crisis. With FlexSalary, you can get any type of loan instantly on the same day you have applied. Solve any financial emergencies with a personal loan from us. Some lenders impose restrictions on your spending, but we don’t. Hence, you can apply for a personal loan without documents in India online.

We consider other additional factors such as your ability to pay, your income, etc. while approving your loan. The entire application process is carried out online and it is paperless. Hence you can apply for a loan right from the comfort of your home. You can apply and get access to credit anywhere and anytime as we offer loans throughout India. You can also apply for a personal loan without documents in India online instantly by downloading the FlexSalary app.

Personal Loans Without Documents 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 personal loans without documents in India for salaried professionals only.

Before applying for a loan, it is always advisable to check your eligibility for personal loans without documents in India. Find below some of our benefits you can avail when you are approved with a personal loan without documents in India online with FlexSalary.

  • Online application process - The application process is very simple and easy with FlexSalary. You can apply for a personal loan without documents in India with our paperless application. Fill all your details in the online form and wait for the loan to get approved.
  • No collateral required - With FlexSalary, you can get unsecured personal loans. You do not have to deposit any of your valuables as collateral!
  • Minimum documentation - During verification, some mandatory documents such as ID proofs, residential proofs along with your bank statements are requested. Maintaining a copy of such proofs can always come handy during emergencies.
  • No hidden charges - We believe in transparency, hence all the charges are clearly stated in the Loan Agreement. No extra charges are levied once your personal loan gets approved.
  • Instant approval - To get your loan approved instantly, choose ‘Net Banking’, which thereby helps us in approving your loan request instantly. On the other hand, you can also upload your documents for verification. But if you choose this option, your loan approval may take some additional time.
  • Pay interest only on the amount used - We charge interest only on the amount that you have withdrawn and not on the total amount that is credited in your account.
    For example, if you are approved for an amount of INR 60000 and you withdraw only INR 30000, interest will be charged only on the latter amount.
  • Repay & reuse - After paying your principal outstanding and interest charged, you will be eligible to withdraw the entire approved amount again.
    For example, if you withdraw INR 30000 from a limit of INR 40000, and you pay back INR 30000 + interest, you will now be able to withdraw INR 40000 again.
  • Get cash within 24 hours - After your verification is completed and your loan request gets approved, your loan amount will be disbursed into your account within 24 hours!
  • Flexible EMIs - Get a personal loan with no fixed EMI. Repay your loan as per your convenience and when you have sufficient funds. You can pay back within one day or after a few weeks.
  • No spending restrictions - FlexSalary will never question your spending habits. If you need, you are free to spend your money all at once.

Personal Loans in India for Your Every Need

FlexSalary offers personal loans. Whatever might be the reason, you are free to use your loan amount for any purpose.

  • Wedding - Short of funds for your destination wedding? Worry not, as you can apply for a personal loan without submitting your documents and get cash on the same day.
  • Home Renovation - Want to fix the water leakage from your walls, but waiting for your salary to get credited? Do not worry, as you can apply for a personal loan without documents in India and renovate your home without having to wait for the salary.
  • Unplanned Medical Emergency - Want to buy medicines but short of cash? An instant personal loan from FlexSalary can help.
  • Higher education - Want to pursue higher education, but dropped your plans due to shortage of funds? Get a personal loan and pay for your vocational courses.
  • Making a large purchase - Personal loans from FlexSalary comes to your rescue whenever you need to buy any big-ticket items.
  • Plan your dream vacation - Planning for a dream vacation with family, but waiting for your salary to credit? No worries. Apply for a personal loan with us.

Eligibility Criteria for a Personal Loan Without Documents 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 a Personal Loan in India

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

Loan Tenure

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

How FlexSalary Works

Get a personal loan without documents in India in 1 hour by following these simple steps -

  1. Create Your Account - Create your account by visiting the official website of FlexSalary at www.flexsalary.com. Click on 'Apply Now' after you have created your account.
  2. Tell us About Yourself - In the online application form page, fill your personal, employment, and income details.
  3. Verification - You can either e-verify your details by choosing 'Net Banking' (or) upload all the requested documents and click on 'Submit'.

If you want your loan request to be approved instantly, then choose the ‘Net Banking’ option. Once approved, your funds will be immediately disbursed to 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 app here.

Frequently Asked Questions


Apply for a loan either by visiting the website at www.flexsalary.com (or) download the FlexSalary app from the Google Play Store or the App Store.
In order to get a personal loan without documents in India, with FlexSalary, 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 a personal loan absolutely for any reason. The reason may be paying for your medical expenses, last-minute wedding expenses, home renovations, car repairs and impromptu vacations.
With FlexSalary, you can get any type of loan approved instantly. For instant approval, choose the 'Net Banking' option while applying for a loan.

Credit score plays a very important role in determining your loan approval. A score above 750 is considered good. However, FlexSalary considers other additional factors while approving your loan, even in the absence of your mandatory documents.

You can repay your loan in the form of EMIs (Equated Monthly Instalments). When short of funds, just pay the minimum monthly amount.

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

We do not levy any hidden charges after approving your loan.

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.

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