FlexSalary offers an Instant Personal Line of Credit of up to ₹2 lakh for employed individuals in India. It’s a loan service provided by Vivifi India Finance Pvt. Ltd., a non-banking financial company registered with the RBI. The Annual Percentage Rate (APR) varies between 19% and 55%, and the loan duration ranges from 10 to 36 months.

Here’s an example of payment*: Suppose you borrow ₹50,000 at a 29% annual interest rate for a 36-month tenure, resulting in a maximum APR of 31.16%. There’s a one-time processing fee of ₹1000 charged at the first withdrawal. The repayment is structured with flexible monthly installments.