# FlexSalary Instant Loan App — Get Instant Cash Loan Upto 3L > Instant cash loans and salary advances for salaried professionals in India. (iPhone/iPad app by VIVIFI INDIA FINANCE PRIVATE LIMITED.) - Source: https://appshunter.io/ios/app/flexsalary-instant-loan-app/id1343181693 (this page in markdown: same URL + `.md`) - Developer: [VIVIFI INDIA FINANCE PRIVATE LIMITED](https://appshunter.io/developer/1343181692) - Category: Finance, Business - Price: Free - Rating: 4.30/5 from 2,907 App Store ratings · 56 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 177 MB - Released: 2018-02-06 - Data updated: 2026-09-07 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/flexsalary-instant-loan-app/id1343181693/reviews.md ## What is FlexSalary Instant Loan App? FlexSalary provides an Instant Personal Line of Credit up to ₹3 lakh for salaried individuals in India. FlexSalary is a loan offering from Vivifi India Finance Pvt. Ltd., (N-09.00447), a non-banking financial company registered with the RBI. Here is a small example of how the FlexSalary personal loan product works: Loan amount: ₹ 50,000 One-time Processing fee: ₹ 1,000 (charged at 1st withdrawal) Annual Interest rate: 29% Tenure: 36 months Annual percentage rate (APR): 31.16% Flexible Monthly Instalments, Minimum payable is ₹2054 A total amount of ₹ 74,872 to be paid at the end of 36 months FlexSalary offers an instant cash loan against your salary anytime. It’s a fast flexible personal loan with no fixed EMI. You can repay your loan in flexible EMIs. Our fast approval process is completely online & paperless. Apply online & get fast cash loan approval in a few hours if you perform Net Banking Verification while applying for our loan. Salary Advance Loan from FlexSalary can quickly fulfil your emergency cash needs. You don’t have to wait for days to get your instant personal loan approved. So, to get a salary advance loan online for urgent cash needs, apply online for money through FlexSalary Instant Loan App Below are the applicable fees and charges for using FlexSalary Annual Interest Rate ranges from 18% to 36%; One time processing fee of ₹ 0 to ₹ 1,250 will be charged at 1st withdrawal; Conditional interest ranges from 0% to 1.75% per month; APR ranges between 18% and maximum of 36%; Loan Tenure is 10 to 36 months; ZERO Late Fee; ZERO Bounce cheque fees; ZERO Prepayment penalty. If you meet our simple loan eligibility criteria, you will get instant loan approval to use Flexsalary credit line. You can transfer required loan to your bank account on the same day. Repay in flexible tenure. FlexSalary aims to be one of the most user-friendly Fast Personal loan apps in India. Why Should You Choose FlexSalary for an Instant Online Loan? • 100% quick, easy, secured online loan application • Instant loan approval with minimal documents • Affordable interest rates • High loan approval rate • One-time approval, anytime cash • Multiple withdrawals • Pay interest only on used money. To be eligible for a FlexSalary instant cash loan you must be: • an Indian Citizen • having a minimum salary of ₹4,000 • above the age of 21 Documents Required to Apply for our Flexible Personal Loan • 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 validating your income 24x7 Instant Loans- Apply for collateral free quick loan for urgent cash needs No Paperwork Required-Upload required documents online without any hassle Operational States FlexSalary offers fast loan services across all states in India. You can apply online for a quick cash loan through our mobile app or www.flexsalary.com How to Apply for an Instant Approval Personal Loan Online 1. Download our App 2. Create an Account 3. Submit the required documents As soon as your salary advance loan is approved, you can transfer funds your bank account quickly. Safety&Security FlexSalary- is completely safe & secure. Information you share is encrypted & only used to verify your application. We do not share your data with any third parties. *The APR shown in the above example is based on an indicative payment schedule shared as part of loan agreement. Customers have full flexibility to either follow the indicative schedule or make multiple withdrawals and payments at their discretion, including the ability to pay off the entire outstanding balance without any prepayment penalty. Queries? Mail: kushi@flexsalary.com , Call: +91-40-4617-5151 Address: Unit A, 9th Floor, MJR Magnifique, Khajaguda X Roads, Raidurgam, Hyderabad, Telangana- 500008 ## Key features - Instant cash loans - Salary advance loans - Zero collateral - Minimal paperwork - Quick disbursal - Online application ## Recent user reviews (10 of 56) All indexed reviews: https://appshunter.io/ios/app/flexsalary-instant-loan-app/id1343181693/reviews.md ### 5/5 — Fake offer App *2026-05-11* Worst app every day i am getting an message saying i am eligible for 60K once i update all details its showing me asking to wait try after 90 days , i f not eligible why you stupids keep on sending messages to complete my application fake app worst app don’t trust this fake app. **Developer response:** Dear Vijay, we are sorry that your experience with us fell short of expectations, We request you to please share your concern with us about your online loan at support@flexsalary.com with your contact details & we will get back to you to resolve your issue at the earliest. Thank you. ### 1/5 — Unnecessary calls. Lots of torture *2026-01-18* I am using flex salary for last 4 years and I know the process how to avail money. I am getting daily 3 calls minimum saying u have a loan amount to avail. I already know that, but I would take loan when I need it. I know how to apply through app. Daily calls are really irritating. I keep telling and yelling not to call but calls keep coming. Do u keep records of customer call history. I have blocked numbers but getting calls from new numbers daily. It’s a real torture…. ### 1/5 — unwarranted and uncertain provision of credi line *2025-11-17* I would not recommend this app to anyone as this is the most unprofessional map I have seen after being every due before time and order debited from the account every month. There is a unwarranted change happening on the facility and now the entire loan after they use, it’s been converted to personal loan without any credit limit available. There are many other apps like Skype and I have not seen such change of terms and conditions without intimidating. The customer and entirely the model is exchange for which primarily customer will come to such kind of apps. ### 1/5 — Worst App Keeps calling regularly *2025-09-26* I logged into flex salary and got an offer for loan which was very off limit so i declined. From past 20 day customer care people keep on calling to take loan, do kyc this that and i keep telling then i dont need it delete my contact. Emails Customer support to Delete data but no Response. These loosers keep calling on Sunday also. Imagine for giving loan they are calling regularly, so what will they do to get money back Please delete my data and stop calling me ### 1/5 — Delay in Fund *2025-07-16* I have applied for personal loan, they say 24 hr customer support but firstly it won’t work. From morning I am getting continuous calls from them even after I mentioned the time. And after completing KYC two times still they are unable to complete the procedure. Complete all the formalities and still not received the amount. So, don’t write instant loan it’s almost 36 hours and no money received. Customer support just gives excuse but no clear justification. I am using first time this app and very pathetic experience. ### 5/5 — Best one *2025-04-23* Cordial staff, video kyc was done by Anu who was extremely polite and was actually there to help you in every step. Secondly. I was helped by Nune Harika who called me as I was getting stuck due to some technical error at my end. Thank you guys ❣️ usually don’t write the review, but this one deserves a good review. ### 5/5 — Awesome *2025-03-24, version 6.3* Really the best app in my experience for loan and everthing, fast hassle free process, would request to keep the good work going on as there are lots of smans in the market ### 5/5 — Great experience *2025-02-05, version 6.0* This app was a lifesaver during an emergency! It helped me get the loan I needed quickly and easily. The process was smooth and efficient, making a stressful situation much more manageable. Highly recommend it if you're ever in a pinch! ### 5/5 — Good loan app *2024-11-29, version 6.0* I was having a little commitmemt and i was short on money. My friend referred me this app it is one of the very good and super application for immediate loans. The customer service is also very quick and helps resolving problems very soon. I am very very happy with this app. ### 5/5 — Parveen Thanks *2024-11-19, version 6.0* Thank you Parveen …:) loan has helped me to get a loan in hard days and PARVEEN BANU who helped me to get details and explained well about flex salary repayment and it's very convenient and easy to process ## Frequently asked questions about FlexSalary Instant Loan App ### What is FlexSalary? FlexSalary provides instant cash loans and salary advances to salaried professionals through its app and website. It offers unsecured personal loans up to Rs. 2 Lakh with minimal paperwork and quick disbursal, designed to overcome traditional banking complexities. ### What are the key features of FlexSalary? Key features include instant cash loans, salary advance loans, zero collateral, minimal paperwork, and quick disbursal directly into your bank account. The application process is streamlined with easy sign-up and instant bank verification. ### How much can I borrow with FlexSalary? You can apply for salary advance loans of up to Rs. 2 Lakh. The specific amount you are eligible for will be determined during the loan application and approval process. ### Who is eligible to apply for a loan with FlexSalary? Any salaried individual who is a resident of India can apply. The service is available across major cities in India, including Bangalore, Delhi, Mumbai, Chennai, and many others. ### What can I use the FlexSalary loan for? FlexSalary loans can be used for a variety of purposes, such as education, medical expenses, wedding costs, rental deposits, month-end cash crunches, home appliances, shopping, travel, and lending to friends or family. ## Version history (last 5 releases) ### 7.1 — 2026-07-13 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. ### 7.0 — 2026-05-25 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. ### 6.9 — 2026-01-05 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. ### 6.8 — 2025-11-17 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. ### 6.7 — 2025-10-15 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. ## Apps similar to FlexSalary Instant Loan App | App | Rating | Price | Category | | --- | --- | --- | --- | | [Infoexperto](https://appshunter.io/ios/app/infoexperto/id1663240840) | — | Free | Finance | | [Parali](https://appshunter.io/ios/app/parali/id6443763240) | — | Free | Finance | | [YKIB Digital Lite](https://appshunter.io/ios/app/ykib-digital-lite/id1661471720) | 4.7 (3) | Free | Finance | | [Signal Crypto Pro & trading](https://appshunter.io/ios/app/signal-crypto-pro-and-trading/id1665185840) | 5.0 (1) | Free | Finance | | [Savita](https://appshunter.io/ios/app/savita/id1664110660) | 4.0 (32) | Free | Finance | | [Greatweek.com](https://appshunter.io/ios/app/greatweekcom/id1662945960) | 5.0 (1) | Free | Finance | ## More apps by VIVIFI INDIA FINANCE PRIVATE LIMITED - [FlexPay: Personal Loan App](https://appshunter.io/ios/app/flexpay-personal-loan-app/id1530536084) All apps by VIVIFI INDIA FINANCE PRIVATE LIMITED: https://appshunter.io/developer/1343181692 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*