Personal Loans in Mumbai with
Flexible Repayment Terms

Apply Now

Mumbai, the city of dreams has seen mass public turnover forever. It has been a bustling metropolis on India's western coast and captivates with its vibrant energy and dynamic spirit. It offers rich and diverse cultures, skyscrapers, bustling markets, and the ever-present Bollywood. In this city, where dreams and aspirations run high, personal loans in Mumbai serve as a financial lifeline.

This city has a large range of people from various income sources. Looking for a personal loan for low-income in Mumbai is common as its fast life. To fund a lavish wedding, go on vacation, or tackle unexpected expenses; this loan offers a convenient and flexible solution.

Top 3 Unique Features Offered By Us on Instant Personal Loan in Mumbai

Cater to unserved and underserved borrowers: At FlexPay, we not only provide loans to people who can easily obtain loans from banks but also extend our services to unserved or underserved individuals in India. For salaried professionals, this loan can be the best solution when you are seeking a personal loan for low income in Mumbai. Additionally, it can serve as a reliable credit backup for all income groups, catering to various financial needs.

Collateral-free line of credit: You can obtain this loan without the need for any collateral or securities, solely based on your income statements. In times of emergencies, it provides significant relief as the loan can be obtained through a straightforward process. Individuals who do not possess any assets for mortgage are also welcome to apply for this loan.

Flexibility in repayment and renewal: This loan offers the flexibility to serve as a permanent credit backup, functioning as a revolving line of credit. The renewal of your credit limit can be easily accomplished through a straightforward process, provided you maintain disciplined borrower behavior

Top 5 Benefits Offered by FlexPay

  • Easy access and fast approval: You can apply for this easy personal loan in Mumbai using our official website or the mobile application. It has three simple steps to complete; registration, application and documentation. Verification is also completed digitally through a video call and no physical verification is done. Neither anyone visits you know you have to be present anywhere for this process. Since it's a 100% digital credit facility hence time-saving and provides instant disbursement. For urgent monitory needs a monetary solution.

  • Reasonable rates and charges: This loan has competitive rates of interest and applies no hidden charges. Here you are liable to pay the interest only on the used part of the money it becomes pocket friendly as well. It takes only one-time processing fees irrespective of the number of withdrawals or renewals. If you choose to close your loan before the tenure ends, it applies no prepayment fees or foreclosure charges against the loss of interest.

  • Paperless and cashless: You can get this credit line in a 100% online application process. While the documentation is minimal it is also digital where you have to give no hard copy for anything. You can upload all the records and proceed with verification. Using the money is also digital where you can transfer the credit from one to another account, withdraw it using an ATM or you can scan and pay as well. It is a secured lending platform that provides end-to-end encryption and is also safe from any threat or breach of privacy.

  • Permanent credit backup: Since it works as a revolving line of credit, you can keep on using it for all your many financial cash needs. Having this, you need to apply for a new credit backup from scratch and avail of the support. You can keep using and renewing your credit limit many times without going through the hassle of applying all over again.

  • Better budget management: All the expenses you make using the app are recorded. You can check all later on and get to know the unnecessary expenses that you could cut. It helps you to manage your budget better and even can aid your saving plans.

5 Benefits that You Get with Us

  • 100% secure: We have an end-to-end encrypted lending platform that works best for the privacy protection of all borrowers. No third party can breach the privacy of details and documents you have shared.
  • One-stop solution: You can use this app for credit transfers, cash withdrawals and making payments using scan and pay. It helps in going cashless which is easy to use in today's fast life but also keeps you safe from any cash theft.
  • Ubiquitous: This app can be used by salaried professional. We have served in more than 60,000 pin codes throughout India. while you are travelling or unfortunately stuck in an emergency, you can use it or borrow from it anytime anywhere. This works in all the stores, booking counters, in travelling, at the restaurants etc.
  • Minimal documentation: The documentation is minimal and digital here. You have to simply upload all the documents to complete the process. With your identity proof, address proof and income proof, you can complete the documentation.
  • Digital verification: Here, no physical verification is performed hence no one visits you neither you have to go anywhere for the same. we do the E-KYC through a video call where we check your original documents to know their creditworthiness.

Required Documents

  • Aadhaar card
  • PAN Card
  • Salary Slip (3 - 6 months)
  • Bank Statement (3 - 6 months)
  • Passport-sized photograph

Application Process:

  1. Register with us with your Name, contact and Pan details.
  2. Complete the application by providing your income and occupational details.
  3. Upload documents on the mobile app or the official website
  4. Complete the e-KYC for verification and get approval after its successful
  5. Once approved instant credit disbursement

FlexPay is a personal loan app that offers a unique set of features to borrowers in Mumbai. These features include collateral-free line of credit, flexibility in repayment and renewal, easy access and fast approval, reasonable rates and charges, paperless and cashless, and better budget management. If you are looking for a personal loan in Mumbai, FlexPay is a great option to consider.


You can use our mobile app or the official website to apply for this loan. Salaried professional can apply for this loan from their comfort zone and get instant credit approval. It works as a loan on a salary that you can get based on your income statement and after a soft credit check. The application process is 100% digital and within 24 hours you can avail of cash in your account.

With your identity proof, address proof and income proof you can complete the documentation here. For this, you have to provide your Aadhaar card, PAN card, and salary slip along with one passport-size photograph only.

We give the loan in the form of a credit limit which means you are liable to pay the interest only after spending the money. Since you pay the interest only on the used part it becomes a pocket-friendly credit option for you. It's a 100% digital credit told that comes with a reasonable rate of interest and zero hidden charges. Since it is easy to renew based on borrowers' behaviour you can keep using it as a permanent credit backup for all your financial requirements.

Here no hidden charges or extra charges applied. Based on your income statement and soft credit check the approval is granted and only a one-time processing fee is taken. The rate of interest is not only competitive but also it is taken only after you spend the money. We also do not take any foreclosure charges or prepayment fees if you decide to close your loan before the term ends.

If you are a salaried professional, you can avail this loan based on your salary slips and bank statement. Salaried Professional with a constant income of at least 4,000 per month is eligible to apply for this loan.