Pre-approved Loan in India

A pre-approved loan in India from FlexSalary is an unsecured instant loan which is disbursed only to selected customers. You can get a pre-approved loan with ease if you have a good credit score, clean credit history and match the eligibility criteria set by us. We offer an unsecured pre-approved loan which means you need not submit any assets as collateral. With FlexSalary, you can get any type of loan instantly. FlexSalary is available throughout India and you can get access to credit anywhere and anytime.

Pre-approved Loan 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 a pre-approved loan in India for salaried professionals only.

Following are the benefits and features of our pre-approved loan.

  • No collateral required - You can get unsecured pre-approved loans with FlexSalary. You do not have to submit your assets as a guarantor to avail a loan!
  • Minimal documentation - We request only a few mandatory documents to submit for verification. Documents include ID proofs, residential proof, income proof, along with your bank statements.
  • No hidden charges - We believe in transparency, hence all the charges are clearly stated in the Loan Agreement. No extra charges are levied on you, once your loan gets approved.
  • Pay interest only on the amount used - You will be charged interest only on the amount that you have withdrawn and not on the total amount that you have borrowed from us.
    For example, if you are approved for an amount of INR 8000 and you withdraw only INR 4000, interest will be charged only on INR 4000.
  • 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 4000 from a limit of INR 8000, and you pay back INR 4000 + interest, you will now be able to withdraw INR 8000 again.
  • Get cash within 24 hours - After verification, if you are approved, you can get instant cash into your account within 24 hours.
  • Flexible EMIs - No fixed EMIs! If you don’t have the cash to repay your loan EMI, you can pay only the minimum monthly payment. Pay as per your convenience, when you have sufficient funds.
  • No spending restrictions - FlexSalary will never question your spending habits. You are free to spend your money all at once or as per your need.

Pre-approved Loan in India for Your Every Need

FlexSalary offers a pre-approved loan in India that you can use for your every need. Know some of the emergencies that you may face and how our loan can be of help.

  • Wedding - With a pre-approved loan from us, you can fulfil your dream of a destination wedding.
  • Home Renovation - Planning to decorate your home but short of funds? Check with us if you have a pre-approved loan offer and get cash to renovate your sweet home.
  • Unplanned Medical Emergency - Are you in a hurry to pay for your medical expenses, but low on funds? Do not worry! You can check with us if you have a pre-approved loan offer and get cash instantly to pay for your medical expenses.
  • Higher education - You can use a pre-approved loan to pay for your child’s education.
  • Making a large purchase - You can buy any major household appliances or electronics immediately with a pre-approved loan from us.
  • Plan your dream vacation - Planning a dream vacation with family always seems extra special. Fulfil your travel goals with a pre-approved loan from us.

Eligibility Criteria for a Pre-approved Loan

To be eligible for a FlexSalary pre-approved loan, you should:

  • Be an Indian citizen
  • Be 21 years of age or more
  • Be a salaried individual
  • Get a monthly income of INR 8000 or more

Documents Required for a Pre-approved Loan in India

  • PAN card
  • Residential proof
  • The government authorized ID proof
  • Net banking for electronic verification
  • Photo
  • Last 3 months payslips

Loan Tenure

It is open-ended. Hence, you can decide the loan tenure.

Tips to Get Pre-approved Loan

  • Have a good credit history
  • Maintain a high credit score
  • Have a good repayment record
  • Have regular monthly income deposited to your bank account

Frequently Asked Questions


Call us to know if you have a pre-approved loan offer. It is approved to certain customers only i.e. you should be one of their elite customers.
In order to get a pre-approved loan from FlexSalary, you need to match with the eligibility criteria, mentioned below:
  • Be an Indian citizen
  • Be 21 years of age or more
  • Be a salaried individual with a monthly income of INR 8000 or more
Be it paying for your medical expenses, last-minute wedding expenses, home renovations, car repairs and impromptu vacations etc, a pre-approved loan can be used.
Just contact your bank and check if you are eligible for a pre-approved loan. If you need cash instantly, you could avail the offer.

You can repay your loan in the form of EMIs (Equated Monthly Instalments). When short of funds and unable to pay your monthly EMIs, you can just pay the minimum monthly amount. Isn’t that easy.!

With FlexSalary, you can receive a pre-approved loan amount from a minimum of INR 4,000 to a maximum of INR 2,00,000.

We believe in transparency. Hence, there are no hidden charges levied on you.