Instant Personal Loan Online - Get upto 3 Lakhs|Flexsalary

A Personal Loan to Fulfil all Your Financial Needs

The finances of salaried professionals mostly involve managing their expenses and budgeting for their needs. However, having additional or unexpected expenses is inevitable and cannot be managed by a fixed salary. Taking an instant personal loan online for a salaried person in such a situation can be the easiest solution.

An online personal loan can also be the easiest credit option for simple application and quick disbursal. Extra expenses always appear unexpectedly, whether it's a medical need, or you're planning for upskilling, education, and children's demands, travel plans, welcoming guests, some home renovations, a shopping spree, or simply a household need. And the solution for all these can be just one instant personal loan!

It's a short-term, unsecured personal loan. When it is only given to salaried professionals via e-transaction, it is referred to as an "online loan for salaried." The loan approval depends only on your salaried income because it's collateral-free.

Personal Loan Features & Benefits

Easy Application Process:

You can easily apply personal loan for salaried employees through a simple application process. The registration can be completed here with your name, contact information, and PAN details.

24*7 access

As an online credit facility, you can apply for it anytime, from anywhere. Since this unsecured personal loan it is available for 24/7 , it is perfect to get a personal loan for emergency needs.

Quick approval & Instant Disbursal:

This instant approval loan app offers a quick loan approval feature, streamlining the process with online documentation and verification, saving valuable time. You apply for an instant loan online, and receive the funds within 24 hours of your application.

No collateral

We provide unsecured loans; hence, no collateral is required for approval. You can access the credit facility based on your income even if you do not have a mortgage. It's a Paperless personal loan and digital personal loan option available with minimal documentation.

No Hard Credit Check

The credit line is approved based on your income and sometimes after a soft credit pull. No hard credit check is done, so you don't have to worry if your CIBIL score is low.

Flexible Repayment & Tenure:

With our instant credit app, you have the freedom to repay your loan in variable installments without mandatory fixed EMIs. As long as you meet the minimum monthly payments, no penalties or charges will apply. Additionally, you can settle your dues at any time within a flexible tenure of 10 months to 36 months, and there are no charges for loss of interest in the case of full or partial prepayment of the loan.

High Credit Limit

Here, you can borrow up to a credit limit of Rs. 3,00,000 starting from Rs. 500. A credit limit makes it perfect for both small and bigger financial needs.

Paying Interest as You Go

On a quick Personal loan from this credit app, you pay the interest only when you spend the money. It works as a credit line, where the interest accrues only on the amount used out of the approved credit limit.

Trustworthiness & Support

Our transparent lending system allows you to review rates and charges before applying for a loan. Additionally, our financial application provides 24/7 continuous credit support and readily available customer assistance for guidance on new or existing credit lines

Instant Personal Loan Eligibility Criteria

The personal loan eligibility might vary a little depending on the lender, but this personal loan app offers a relaxed setting. Anyone who meets the following criteria can apply for a quick personal loan from this

Citizen	You must be an Indian Citizen
Age	You must be at least 21 years old
Occupation	You must be a salaried individual
Income	You must have a monthly income of Rs. 8,000 or above

Document Required for Instant Personal Loan

To apply for a FlexSalary Personal Loan, applicants need to provide some essential documents, and the loan process does not entail any cumbersome paperwork.

KYC Documents	Aadhaar/ PAN Card
Current Address Proof	Passport/ Utility bills/ Rent Agreement
Income & Financial Documents	Last 3 Months Payslips & Bank Statement

Apply for Instant Personal Loan within 5 Minutes

Fill in the application form: You can fill out the online application form with your basic credentials, like Name, Contact, PAN details, Income, Amount Required and Tenure Desired.
Upload the documents: After the application, you must upload all required documents. You can precheck the details of the required records and keep them ready for this stage.

Submit the loan application form with the required minimal documents, and wait for your personal loan online to be approved.

Complete the verification: Once the documentation is done, complete the online KYC. Through a video call, it's completed, as no physical verification is done for an online loan. As a result, neither you nor anyone else visits you for formalities.
Loan Disbursal: Right after the verification process, your loan gets approved. Once approved, there is no delay in releasing the funds, and within 24 hours, you can gain access to the amount.

You can use ours instant personal loan app or the official website to apply easy personal loan online. Besides its online availability, you can also get credit access in just one day. Since no physical verification is done here, you can apply for it from anywhere, which helps the most in emergencies. Flexsalary is the best lender for a salaried person for all varying financial needs due to its easy access, instant approval, and flexible payback options.

Apply for an Instant Personal Loan

Personal Loan For Various Purposes

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Personal Loan by Salary

Now you can avail of instant Personal Loan by salary. We offer Personal Loan catering to different salary groups ranging from 10,000 to 3 Lakhs. Please check out the below-mentioned options to avail Personal Loan by salary:

₹10,000

Salary Personal Loan

₹12,000

Salary Personal Loan

₹15,000

Salary Personal Loan

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FAQs

A personal loan is a credit facility where a lumpsum amount is credited to your account that you repay over time called an instalment. An instalment consists of a part of the principal amount added with interest at a fixed rate. You can avail of a personal loan based on your income and credit score.

Identity proof, address proof and income proof are the three requirements that you have to meet to apply for a personal loan. Also, you must meet the eligibility criteria of the lender that you choose for your loan. Then meet the documentation and complete the verification process. The eligibility criteria and documents needed can vary from lender to lender. You have to find out one lender based on your financial need and repayment capacity. FlexSalary is one lender that gives a personal loan in form of a line of credit exclusively to salaried professionals. With a salary of Rs.8,000/M you can apply for a loan of up to Rs.3 Lakhs here.

You can fill in the application form using the mobile app or the website of the lender you choose. You can complete the application process with your name, age and contact details along with the amount needed and tenure desired. Then you upload the documents where in India Aadhar card, PAN card, salary slip and bank statements along with a photograph are mandatory. Then comes the verification where the authenticity of the records is observed and the lender assesses your credit history. Based on your details approval for the loan is given.

Your monetary need and repayment capacity are the basic factors that can help you choose the best lender for your personal loan. Also, you must see the rate of interest offered by the lender. The interest rate will form the total repayable amount hence you must know the total that you will pay over the year. You must read the fine print of the loan before signing in the deal so that you know all the terms and conditions of it. To summarize, eligibility criteria, the amount needed, the rate of interest and other charges are the main.

Yes, you can use a personal loan for all your needs if it’s not a purpose-specific loan like a home loan or an education loan. Also, lenders like FlexSalary give a personal loan in form of a credit line that is good for every purpose.

A secured personal loan is given against collateral while an unsecured personal loan can be availed based on your income and credit score. Sometimes a secured loan is extended by the lenders if your credit history is not in good shape. Also if your income doesn't support the amount you need, you can go for a secured personal loan. You can keep your property papers or owned shares or gold as a mortgage to have this.

You can get a personal loan within 24 hours if you choose an online lender for it. Otherwise from 2 days to a week can be taken for approval of it in a traditional lending system where you physically visit banks.

Yes, you can apply for a personal loan with bad credit but it can affect the rate of interest. A few lenders like FlexSalary give the credit after the soft credit pull.

A personal loan is paid off over time in fixed monthly instalments which consist of a part of the principal sum added with interest. The amount of instalment varies inversely proportional to the tenure of the loan. The longer the tenure will be the lesser will be the EMIs but it increases the interest payable. Also, some lenders like FlexSalary extend flexible payback options. Here you can pay off your dues in variable instalments as suitable for you without having to pay any additional charges.

Yes, you can prepay your personal loan but a few lenders will charge fees against the loss of interest. But some lenders like FlexSalary apply no prepayment charges in partial or full prepayment of the loan.

Instant Personal Loan Online For Salaried

Get a Personal Loan Approval upto 3 Lakhs

A Personal Loan to Fulfil all Your Financial Needs