FlexPay: Personal Loan App

Vivifi India Finance Pvt Ltd

About this app

FlexPay – Instant Personal Loan App in India
FlexPay is a fast, secure, and user-friendly instant personal loan app designed
to provide quick access to credit for salaried and self-employed individuals
across India. With a fully digital and paperless loan application process,
FlexPay enables users to apply online and receive loans of up to ₹3,00,000 directly into their bank
account instantly.
FlexPay is an offering from Vivifi India Finance Pvt. Ltd. (N-09.00447), a
Non-Banking Financial Company registered with the Reserve Bank of India,
ensuring full regulatory compliance, transparency, and customer trust.
FlexPay aims to simplify borrowing by offering instant approval, and complete transparency
throughout the journey.
Whether you need funds for an emergency or an unexpected expense, FlexPay
ensures fast financial support anytime, anywhere.
FlexPay Loan Details & Charges
● Loan Amount: Up to ₹3,00,000
● Interest Rate: 18% – 42% per annum
● APR: 20% – 70%
● Tenure: Up to 36 months
● Processing Fee: Up to 5% + GST
● Late Fee: Up to ₹150 per instance
● Auto-Debit Failure Fee: Up to ₹60 per instance
● Prepayment Charges: ₹0
Example of a FlexPay Personal Loan
● Loan Amount Approved: ₹2,00,000
● Processing Fee: ₹11,800
● Interest Rate: 34%
● Tenure: 9 months
● EMI: ₹25,425.75
● Total Interest: ₹29,039.71
● Total Repayment Amount (Sum of schedule amount): ₹2,28,831.75
● APR: 50.25%
Why Choose FlexPay?
FlexPay offers instant credit with minimal documentation and fast
loan disbursal. There are no hidden charges, and all fees are clearly
communicated before loan confirmation. Users can conveniently manage their
loans through the app by tracking EMIs, checking outstanding dues, reviewing
repayment history, and monitoring loan status in real time.
The repayment structure allows borrowers to repay early without any
additional penalty, giving them complete control over their finances.
Eligibility Criteria
To apply for a FlexPay personal loan, applicants must meet the following
conditions:
● Indian citizen
● Minimum age of 21 years
● Minimum monthly income of ₹8,000
● Valid PAN card and active bank account
● Salaried or self-employed individual
Documents Required
● Identity Proof (PAN card / Voter ID / Passport etc.)
● Address Proof (Aadhaar card / Utility bill / Passport etc.)
● Income Proof (Salary slips / bank statements)
Usage of Loan Amount
FlexPay personal loans can be used for a wide range of purposes, including
medical emergencies, education expenses, utility bill payments, or any other
urgent financial requirement. The app is designed to support both short-term
and long-term financial needs with affordable and manageable EMIs that suit
different income profiles.
Safety & Data Security
FlexPay follows strict security and privacy standards to safeguard customers
information. The app uses advanced encryption technology to protect personal
and financial data. All information shared by users is securely stored and used
only for verification, credit assessment, and loan processing in accordance with
applicable regulations and data protection guidelines.
How to Apply for a FlexPay Loan
1. Download the FlexPay App
2. Register via mobile number and verify with the OTP
3. Fill in personal, employment and bank details
4. Complete the video KYC
5. Get all the details verified
6. Complete E-sign & E mandate
7. Get your loan disbursed
Customer Support & Contact Details
● Email: [e-mail]
● Phone: [phone]
● Address: Unit A, 9th Floor, MJR Magnifique, Khajaguda X Roads, Raidurgam,
Hyderabad, Telangana – 500008
FlexPay promotes responsible borrowing and encourages timely repayments
to help users build and maintain a healthy credit profile. With fast processing & transparent
pricing, FlexPay aims to be a reliable instant personal loan app in India. Download FlexPay today
and experience a smarter, faster, and transparent way to access credit when you need it most.

Ratings and reviews

It's just a fraud document collection application. They will offer you a small limit and for that also they need vkyc 😂🤣. I mean really? There are so many trusted application which offer loans quickly without unnecessary formalities. I rejected their offer and said many times that I don't need any loan from you so I will not complete any further formalities. But believe they keep calling like 10-12 calls per day. Early morning to night time. So stay away guys.

Getting several frequent calls/ texts for the last 2 weeks. Wish i could attach the call history here. Extremely annoying!! I applied for the loan. But before i could complete all the process, i got the money from other source. But the app doesnt allow to close the loan application!! Even after telling on the call that i no longer require the loan, i am getting multiple messages and calls every day. Kindly note that I'd have to explore the appropriate legal options if all the calls do not stop!

"Stay away! They take all your documents and video verification and then go completely silent. No 'Yes', no 'No', just a 'working on it' screen that never changes. It's unsafe to give your personal data to an app that doesn't provide you any loan and never respect your time or provide any status updates. Worst loan app experience ever." mainly they don't have any customer support to contact 71 people found this helpful

What's new

- Bug fixes and performance improvements.

We are always working to make the app faster and more stable.