India's First
Ready Credit App

Access instant funds up to ₹ 3,00,000
on demand and use Anytime, Anywhere.

Vivifi Logo
One time approval,
Life time access

Get FlexPay credit and unlock access to hassle-free fund transfers,
bill payments, and Scan & Pay at 30Mn+ merchants

EMI - Free
Flexible Repayments

Break free from rigid EMI structures and enjoy the flexibility of
repaying any amount at your convenience. Repay & Refill.

On-demand withdrawals

Make multiple transactions with your available FlexPay credit and
experience the power of financial freedom like never before.

FlexPay Features

FlexPay - Instant Approval


FlexPay - Sameday Disbursal

Same day

FlexPay-Scan & Pay

Scan & Pay

FlexPay - EMI Free Repayments

EMI free

FlexPay - 100% Safe & Secure

100% Safe &

FlexPay - Easily Track Spends

Track Spends

FlexPay -  No Hidden Charges

No Hidden


Anytime, Anywhere.

Use your FlexPay credit limit to pay for anything from..

From zero to Infinity

Penal Charges

Interest Compounding

Pre-Payment Penalty

Interest @ 0 Utilization

Financial Stress

Credit Access



Peace of Mind ❀️
India Loves FlexPay
1 Million +
Users trusted us
4.8 ⭐
Top rated app on Playstore#
Pincodes Served
#Flexkarle, paisa bharle
All our customers have achieved Financial Freedom with FLEXPAY. Join our #Flexkarle community.
Eligibility criteria

FlexPay - Indian Citizen

Indian Citizen

FlexPay - Min Age

21+ Age

FlexPay - Identity Proof

Identity Proof

FlexPay - Salaried Employee

Salaried or Self-employed

FlexPay - Minimum Monthly Income

₹4,000+ Monthly Income

3 steps for Financial Freedom

Step-1 :

FlexPay - Financial Freedom Step 1


Answer a few questions about yourself and get approved in less than 5 minutes.

  • PAN, Phone number
  • Address
  • Employment

Step-2 :

FlexPay - Financial Freedom Step 2


Verify your details on a quick Video KYC call on the app. You will only need these..

  • Identity proof (PAN)
  • Address proof (Aadhaar, Driving License etc.)
  • A good network

Step-3 :

FlexPay - Financial Freedom Step 3


Activate your lifetime credit line by digitally signing the agreement using your Aadhaar linked phone number.
No paperwork needed.


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.

You can avail of the loan in 3 easy steps.
  • Download the app from the PlayStore/AppStore and Apply online.
  • Submit the required documents. (ID Proof, Address Proof, Income Proof)
  • Get approved instantly and receive the approved credit limit on the same day.

You can use FlexPay for all your small and big expenses. From medical expenses to travel, education and upskilling, shopping and home renovation to other financial needs; FlexPay can be your all-in-one credit solution.

FlexPay is a Fintech product of Vivifi India Finance Pvt. Ltd. which is a licensed NBFC, registered with RBI.

You can avail of this loan based on your income statement. For approval, we don't ask for collateral or security. With a minimum monthly income of Rs.4,000, you can get a loan of up to Rs. 3 Lakhs with us.

Have more questions?

We are happy to help 24X7

Every win aspires to be better
We thank our customers for their Love and Support which help us in growing more...

Skoch - Best Financial Inclusion Initiative - 2023

NBFC's - Banking Frontiers Awards - 2022

ET BFSI Best Brands - 2021

BSFI - 2020

Top MSME - 2020

Startup - 2020

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FlexPay - QR Code
Need money?
Get it in minutes with FlexPay
  • Apply once, Use forever
  • No Collateral, 0 Penal charges
  • Instant Approvals, Flexible Repayments
Download Now