FlexPay: Personal Loan App

FlexPay: Personal Loan App

Personal Loan App for Salaried

614 ratings
20 reviews

Details

  • Released
  • Updated
  • September 29, 2020
  • May 21, 2026

Features

FlexPay: Personal Loan App screenshot #1 for iPhone
FlexPay: Personal Loan App screenshot #2 for iPhone
FlexPay: Personal Loan App screenshot #3 for iPhone
FlexPay: Personal Loan App screenshot #4 for iPhone
FlexPay: Personal Loan App screenshot #5 for iPhone
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About

This app offers instant credit lines and personal loans up to ₹3 lakhs for salaried individuals in India. It provides a simple online application process with flexible repayment options and no hidden charges. Access funds quickly for various needs and manage your credit easily.

Instant credit line up to ₹3 lakhs
Simple online loan application
Flexible monthly installments
Pay interest only on used money
Scan QR code payments
No hidden charges
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What's New in FlexPay

4.6

May 21, 2026

The latest version contains bug fixes and performance improvements. - We're always improving our app to make it easier for you to use, so be sure to update it regularly or just turn on automatic updates.

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User reviews

Not instant loan at all

They claimed to be instant loan but in reality its not instant at all, they took forever to make decision. Even after they say you are approved of loan, they keep asking to upload document one after another and you will have to wait one or two days for verification and finally they will ask to upload another document again.

I dont know why they keep on doing like this. If they have concern about the credit profile of the applicant, why not reject their application straight away instead of wasting their time and giving false hope.

This has been going on for months now and they neither reject nor approve my application. It always display “your documents are being verified”
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Worst service

I had apply for loan since morning ther executive was calling me to complete the process when I did dat during my wrk time video call everything is done then they reject my loan without no reason worst service not at all happy with the flex his name Rahul when I m calling him and msging he is not replying me worst service
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Worst app and pathetic service provided by VIVIFI finance service

“I had a ₹30,000 loan limit with EMI of ₹5,589, which I fully repaid ahead of schedule. Now the app shows ‘You are not eligible for a loan—please try after 90 days.’ This implies early repayment makes one ineligible, punishing responsible borrowers.
Vivifi Finance provides pathetic service—it’s just for app downloads, not real help when needed. Unprofessional staff call for ‘loan recovery’ before the due date. I’d give -1 rating if possible on the App Store/Play Store. Please don’t download this fake app.”
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False promises

This is such pathetic application. I was informed by a rep from flexpay that my limit has been increased you can make a payment and get that amount. They have no where promised me that it will get reviewed internally, bureau reports and everything. They provided me with the false information. After that no further services they gave. Trying to cover it up by saying its on internal parameters. Sarfaraz, mohammad sai, and one more rep.
Over call i had a word with kavita just reading scrips. Said basis on payment history the limit has been enhanced. False information give. At the time of payment they call you like anything till due date . But if we need any support they just vanish. Such a illiterate crowd they have hired first of all dont know how to even pronounce name of cm. Secondly no customer service
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Worst Application and Customer Service

I closed my loan and tried to avail new loan but application is not getting updated and there is no response from customer support. Not sure if it’s a genuine credit line ? What you are taking so much time for already approved credit line to apply for loan. This is the worst experience

Developer apps

FAQ

What is the maximum loan amount offered by FlexPay?

FlexPay offers personal loans of up to ₹3 lakhs. The Annual Interest Rate ranges from 18% to 36.5%, with a maximum APR of 31.16% for a specific example loan. Loan tenure is between 10 to 36 months.

What are the fees associated with FlexPay loans?

A one-time processing fee of ₹0 to ₹1,250 may be charged at the first withdrawal. There are ZERO late fees, ZERO bounce cheque fees, and ZERO prepayment penalties. Conditional interest ranges from 0% to 1.75% per month.

How quickly can I receive funds from FlexPay?

If you meet the eligibility criteria, you can receive instant cash in your bank account on the same day. The app aims to be one of the most user-friendly fast personal loan apps in India.

What documents are required to apply for a loan with FlexPay?

Required documents include Identity Proof (Aadhaar, Driver's License, Passport, Voter ID), PAN card, Address Proof (Driving License, Utility Bills, Aadhaar, Passport, Bank Statements, Voter ID), net banking verification for income, and a selfie/photo.

Is FlexPay available on Android devices?

Based on the provided data, FlexPay is supported on iPhone and iPod. Information regarding Android device compatibility is not specified in this data.

How often is FlexPay updated?

The latest version of FlexPay is 4.6, and it was last updated on May 21, 2026. This indicates a recent update, suggesting the app is actively maintained.

What is the user sentiment for FlexPay?

FlexPay has a rating of 4.1 stars from 614 ratings. This suggests generally positive user sentiment, with users appreciating its features and convenience.

Does FlexPay have ads?

No, FlexPay does not contain advertisements. The 'hasAds' flag is set to false, indicating an ad-free experience for users.