Personal Loan in India

Get instant personal loan up to Rs. 2 Lakh

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Personal loan in India will instantly help in meeting your diverse financial needs. With the help of an instant personal loan, you can handle any emergency with ease. Be it a medical emergency, last-minute wedding expenses, home renovation, paying the tuition fee, or heading off on a holiday, a personal loan can be of really helpful to meet your needs. If you are looking for a lender who offers instant personal loans on the same day, then FlexSalary can be your ultimate choice. We are currently offering personal loans for salaried professionals even if they have a low credit score.

Our personal loans are completely paperless. There is no heavy documentation needed to get approval for your loan. You are required to submit only a few mandatory details and documents to get your loan approval. Also, we don't ask borrowers to provide any collateral to get a personal loan approved. Just submit your loan application online from the comfort of your home and check the status of it. Mostly, if you meet our eligibility criteria, your loan is instantly approved, and funds will be disbursed into your account on the same business day.

Personal loan in India: Features and Benefits

FlexSalary provides India's quickest personal loans in India. You can apply for a loan ranging from INR 4,000 to INR 2,00,000. 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). Here are the top features and benefits of a FlexSalary personal loan.

Unsecured personal loans
Unsecured personal loans:

FlexSalary offers unsecured personal loans, which means you don't have to pledge your assets as security to get a loan.

Minimal documentation
Minimal documentation:

Other online lenders ask for too much documentation, but FlexSalary will not do that. You are required to submit only a few mandatory details and documents while applying for a loan.

Same-day approval
Same-day approval:

If you meet our simple eligibility criteria, you are approved for a loan instantly within minutes and funds will be disbursed into your account in a few hours.

No hidden charges
No hidden charges:

We are completely transparent with our customers. FlexSalary will not levy any kind of hidden charges on their customers. You can go through our terms and conditions for detailed information.

Access cash any time
Access cash any time:

You can access your credit anywhere and at any time.

Pay interest only if you use
Pay interest only if you use:

One of the finest benefits of choosing a FlexSalary personal loan is, you will have to pay interest only on the amount that you use and not on the total amount that you have borrowed from us.

Flexible repayments
Flexible repayments:

FlexSalary gives you the utmost flexibility with repayments. You can pay the minimum amount every month if you can't afford to pay full EMI for that month. You can continue paying the minimum amount until you can stand on your feet.

Personal Loan in India: Eligibility

FlexSalary provides personal loans only for salaried individuals. You don't have to worry even if you have a low credit score because we only look for your creditworthiness. If you are a responsible borrower who pays the borrowed debts on time, then you are eligible to get a FlexSalary loan instantly.

Get personal loan approval online immediately if you meet our simple personal loan eligibility criteria:

Citizen You must be an Indian Citizen
Age You must be above 18 years
Occupation You must be a salaried individual
Income You must have a minimum salary of INR 8000

Required Documents to Apply for a Personal Loan in India

  • Identity Proof (Aadhaar / Driving License / Passport / Voter ID)
  • PAN card
  • Address Proof (Driving License / Utility Bills / Aadhaar / Passport / Bank Statements / Voter ID)
  • Last 3 months payslips
  • Photo with the applicant's face clearly visible. You will be prompted to take a selfie or upload a photo while applying for our loan through our     mobile app
  • Net banking verification to validate your bank account and salary information

Loan Amount

FlexSalary provides loans from a minimum amount of INR 4,000 to a maximum of INR 2,00,000.

Loan Tenure

The tenure of a FlexSalary personal loan is up to 3 years.

How to Apply for a Personal Loan in India at FlexSalary?

The step-by-step procedure to apply for an instant personal loan online with FlexSalary is explained below:

Visit FlexSalary.com and click apply now. You will be redirected to our online loan application form.

Create your account by filling your personal details, employment details, and income details.

Submit the loan application form along with the mandatory documents and wait for your loan to get approved.

If you meet our simple eligibility criteria, you will be approved for a personal loan instantly; and once you are approved, you will receive funds in your bank account within few hours.

Choose FlexSalary and end your struggle of waiting for a long duration to get your loan disbursed. Our loan application form is very simple and completely paperless. So, apply and get personal loan in 1 hour from FlexSalary to meet your emergency needs instantly.

Frequently Asked Questions


You can apply for a loan either by visiting www.flexsalary.com (or) download the FlexSalary app from the Google Play Store or the App Store.
To be eligible for a FlexSalary personal 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 personal 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, instant loan disbursal and flexible repayments.