Tailored Products for Your Every Need
FlexSalary is an Instant Line of Credit for any emergency needs. Flex Salary allows you to address shortage of funds, without going through the awkwardness of asking friends, family or employers, by leveraging the equity you have in your yet-to-be drawn salary. If you are a business, you can sign-up such that your employees can be pre-approved and use this service whenever required.
Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal line of credit immediately after you review & sign your loan documentation.
If you are approved for a FlexSalary account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due).
Truly flexible, you may repay a part of your total outstanding or total due at anytime, whenever you have money available. You are not forced to keep any amount due at any point of time, so there's no burden of prepayment penalties.
The loan process is completely transparent, and each customer of VIVIFI using the FlexSalary product is made aware of every cost that is associated with their FlexSalary account including the actual payment burden.
Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at [email protected] for any assistance.
The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.
| Limit | ₹ 8,000 - ₹ 3,00,000 |
| Interest Rate | Up to 36.5% |
| Conditional Interest on Continued Line Usage | Up to 21% |
| Annual Percentage Rate (APR) | 49% - 65% |
| Tenure | 36 Months |
| Processing Fee | ₹ 100 - ₹ 3,000 |
| Transaction Fee | ₹ 0 - ₹ 12 |
| Late Fee | Up to ₹ 150 |
| Auto-Debit Failure Charges | ₹ 0.00 |
| Pre - Payment Penalty | ₹ 0.00 |
| Approved Loan Amount | ₹ 60,000 |
| Processing Fee | ₹ 3,000 |
| Tenure (Months) | 36 |
| Interest Rate | 32.0% |
| Conditional Interest on Continued Line Usage | 18% |
| Total Transaction Fee | ₹ 72 |
| Total Interest & Conditional Interest Charged | ₹ 38,501 |
| Annual Percentage Rate (APR) | 54.96% |
| Total Repayment Amount | ₹ 1,01,573 |
FlexPay is an instant credit app that offers personal loans up to Rs. 3 Lakhs to salaried employees and individuals with recurring income. It is an unsecured line of credit product, hence, collateral is not required.
Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal line of credit immediately after you review & sign your loan documentation.
If you are approved for a FlexSalary account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due).
Truly flexible, you may repay a part of your total outstanding or total due at anytime, whenever you have money available. You are not forced to keep any amount due at any point of time, so there's no burden of prepayment penalties.
The loan process is completely transparent, and each customer of VIVIFI using the FlexSalary product is made aware of every cost that is associated with their FlexSalary account including the actual payment burden.
Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at [email protected] for any assistance.
The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.
| Limit | ₹ 5,300 - ₹ 3,00,000 |
| Interest Rate | 34% - 42% |
| Annual Percentage Rate (APR) | 39% - 65% |
| Tenure | 6 - 12 Months |
| Processing Fee | ₹ 100 - ₹ 3000 |
| Transaction Fee | ₹ 0.00 |
| Late Fee | Up to ₹ 150 |
| Auto Debit Failure Fee | ₹ 60.00 |
| Pre - Payment Penalty | ₹ 0.00 |
| Approved Loan Amount | ₹ 1,00,000 |
| Processing Fee | ₹ 3,000 |
| Interest Rate | 39% |
| Tenure | 9 |
| EMI Amount | ₹ 12,994 |
| Annual Percentage Rate (APR) | 46.94% |
| Total Interest Paid | ₹ 16,942 |
| Total Repayment Amount | ₹ 1,16,942 |
| Limit | ₹ 8,000 - ₹ 3,00,000 |
| Interest Rate | Up to 36.5% |
| Conditional Interest on Continued Line Usage | Up to 21% |
| Annual Percentage Rate (APR) | 49% - 65% |
| Tenure | 36 Months |
| Processing Fee | ₹ 100 - ₹ 3,000 |
| Transaction Fee | ₹ 0 - ₹ 12 |
| Late Fee | Up to ₹ 150 |
| Auto-Debit Failure Charges | ₹ 0.00 |
| Pre - Payment Penalty | ₹ 0.00 |
| Approved Loan Amount | ₹ 60,000 |
| Processing Fee | ₹ 3,000 |
| Tenure (Months) | 36 |
| Interest Rate | 32.0% |
| Conditional Interest on Continued Line Usage | 18% |
| Total Transaction Fee | ₹ 72 |
| Total Interest & Conditional Interest Charged | ₹ 38,501 |
| Annual Percentage Rate (APR) | 54.96% |
| Total Repayment Amount | ₹ 1,01,573 |
FlexPay Loan, brought to you by Vivifi India Finance, offers instant loans up to Rs.3, 00,000 within a few minutes to salaried professionals in India. Your one-stop shop for credit where you can get a loan today and repay later in flexible instalments anytime at your convenience.
Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal line of credit immediately after you review & sign your loan documentation.
If you are approved for a FlexSalary account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due).
Truly flexible, you may repay a part of your total outstanding or total due at anytime, whenever you have money available. You are not forced to keep any amount due at any point of time, so there's no burden of prepayment penalties.
The loan process is completely transparent, and each customer of VIVIFI using the FlexSalary product is made aware of every cost that is associated with their FlexSalary account including the actual payment burden.
Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at [email protected] for any assistance.
The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.
| Limit | ₹ 5,300 - ₹ 3,00,000 |
| Interest Rate | 34% - 42% |
| Annual Percentage Rate (APR) | 39% - 65% |
| Tenure | 6 - 12 Months |
| Processing Fee | ₹ 100 - ₹ 3000 |
| Transaction Fee | ₹ 0.00 |
| Late Fee | Up to ₹ 150 |
| Auto Debit Failure Fee | ₹ 60.00 |
| Pre - Payment Penalty | ₹ 0.00 |
| Approved Loan Amount | ₹ 1,00,000 |
| Processing Fee | ₹ 3,000 |
| Interest Rate | 39% |
| Tenure | 9 |
| EMI Amount | ₹ 12,994 |
| Annual Percentage Rate (APR) | 46.94% |
| Total Interest Paid | ₹ 16,942 |
| Total Repayment Amount | ₹ 1,16,942 |
Udyam Flex Loan specializes in providing fast and tailored loan solutions to MSMEs in India to thrive and scale their businesses, across all sectors. Whether you're a kirana store owner or a mid-enterprise in industries like textiles, manufacturing, or retail, Udyam Flex Loan is here to support your growth journey.
Embark on your entrepreneurial journey with Udyam and access quick loans to kickstart & elevate your business.
Seize your business opportunities effortlessly and gain access to quick business loans of up to 10L, designed to fuel the growth of your MSME & addressing your immediate capital requirements
If you are approved for a Udyam Flex Loan account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due)
Regardless of your credit history, access hassle-free business loans tailored to your needs and unlock opportunities for your business even with low CIBIL scores.
Experience a 100% digital application process & a seamless access to business loans, making securing funds for your MSME effortless and convenient.
Through transparent financing for MSMEs, Udyam Flex Loan gives you the freedom to settle your business loan early with zero pre-closure charges or hidden fees, empowering you to manage your finances with confidence.
The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.
| Annual percentage interest rate (APR) | Ranges from 18% to 48% |
| Tenure | Ranges from 6 months to 18 months |
| Processing Fee | 5% of loan amount (Upto ₹ 4,000) |
| Late Fee | ₹ 150 /- per installment if it is unpaid within 3 days of due date |
| Auto-Debit Failure (Bounce) Fee | ₹ 60 /- per instance of auto debit failure |
| Pre-payment penalty | ₹ 0 |
| Approved Loan Amount | ₹ 1,00,000 |
| Amount Disbursed | ₹ 97,500 |
| Interest Rate | 28% |
| EMI Amount | ₹ 9,653.78 |
| Tenure | 12 Months |
| Processing Fee | 2.5% |
| Total Charges (including GST) | ₹ 2,500 |
| APR | 33% |
| Total Repayment Amount | ₹ 1,15,845.38 |
| Total Interest Paid | ₹ 15,845.38 |
U65923TG2016PTC110767
N-09.00447
View certificateUnit A, 9th Floor, MJR Magnifique, Survey No 75 & 76, Khajaguda X Roads, Raidurgam, Hyderabad, Telangana - 500008
