Apply for Instant Credit Online
Up To 3 Lakhs for Your Emergencies

Instant credit is an expedited credit help for emergencies. When you have a sudden financial requirement, getting instant credit from FlexPay can be of immense help. You can easily apply for it and have instant approval followed by the immediate disbursal of the money in your account.

Instant credit is nothing but a short-term loan that you can avail without submitting many documents or providing your assets as collateral. The process with FlexPay is completely online, and you can receive the funds within no time.

Features and Benefits of FlexPay Instant Credit App

Loan up to Rs. 3,00,000
At FlexPay, the instant credit limit range starts from Rs. 500 up to Rs. 3 Lakhs. Based on your income, you can easily get approved for a good amount of credit.
No collateral
For taking instant credit help, you need not pledge anything with FlexPay. Just based on the income proof, you can get your credit approval.
Simple application process
It is easy to get instant credit from FlexPay. The application process is short, simple, and 100% online. You can easily apply for a loan without any professional help. You can register just by providing your name, contact details and PAN number.
Quick processing
FlexPay is known for its quick loan processing, and within a few hours of applying, your approved credit is disbursed into your account. Being an online instant credit facility, this is time-saving and convenient.
Reasonable interest rates
Interest rates at FlexPay are reasonable and no hidden charges are there. Since this instant credit is a line of credit, the interest is charged proportionally to the use which makes it a pocket-friendly loan.
The loan is given as a credit line
The instant credit at FlexPay is a credit line that means interest is charged only when and on the sum used. No charges are applied on the full approved sum, making it perfect for all the variable financial needs.
Flexible repayment options
In variable instalments, you can pay back your dues as there is no fixed EMI. Also, there are no foreclosure or prepayment charges imposed when you close the loan in a one-time payment.
Flexible tenure of 3 years
You get a flexible tenure of 10 - 36 months for repayment where you can pay off your dues anytime.

Documents Required to Get a Loan for Professionals from FlexPay

  • Aadhaar card
  • PAN card
  • Address proof
  • Salary Slip (last 3 months)
  • Bank statement (last 3-6 months)
  • 1 passport size photograph

Eligibility Criteria for a Professional Loan at FlexPay

To be eligible for a FlexPay loan for professionals, you:

Citizen Must be an Indian Citizen
Age Must be above the age of 21
Occupation Must be a salaried professional
Income You must have a minimum salary of INR 4,000

How to Apply for Instant Credit with FlexPay?

  • Install the FlexPay app or visit and click apply now. This will lead you to our loan application page.
  • Apply for instant credit by filling out this application form. You can begin the registration by entering the details like; name, contact information and PAN number.
  • After submitting the loan application, documentation begins, and here you upload all the necessary documents mentioned above.
  • Once documentation is completed, wait for online KYC which is done through a video call. After this, there is no waiting time. Your funds are approved and disbursed instantly.
  • When you are stuck in a financial crisis or emergency or need an urgent loan, instant credit from FlexPay can be the perfect option. Apply with FlexPay because of its easy application, quick approval and flexible repayment option.
  • To apply for an instant credit loan, you need to have a minimum monthly salary of Rs. 4,000, making it perfect for salaried professionals of all categories. So next time you need some credit help, heading to FlexPay is the best option for you.


You can use the FlexPay instant credit app anywhere to buy anything. As long as you have the credit limit, no restrictions are imposed to make use of the available instant credit loan.

FlexPay provides instant credit without any credit check in case you are new-to-credit or don't have a credit score. You can apply for one based on your salary slip and bank statement.

You can repay your dues in variable instalments as there is no fixed EMI for repayment of the borrowed credit. You can pay in a flexible tenure of 10 - 36 months.

Yes! FlexPay is a product offering from Vivifi India Finance Private Limited, a non-banking finance company (NBFC) registered with the Reserve Bank of India (RBI).

Since the instant credit at FlexPay is given in the form of a credit line this is pocket friendly. Interest is charged only when the sum out of the approved credit limit is used.