FlexSalary Review — Rates, Eligibility & Safety Check
Last verified: pending first manual verification
Some figures below are pending our manual verification cycle — treat them as indicative bands until marked verified.
OperatorVivifi India Finance Private Limited
Regulated entity behind the appVivifi India Finance Private Limited
Websitehttps://www.flexsalary.com
Products & pricing bands
| Tier | Ticket | Tenure | Rate band | Processing fee | APR band | Disbursal | Min income |
|---|---|---|---|---|---|---|---|
| T2 | ₹4,000 – ₹3,00,000 | 90 – 1095 days | 24% p.a. – 36% p.a. | 1% – 3% + GST | see KFS | varies | ₹8,000 |
Works well
- One of the lowest minimum-salary thresholds in the segment, serving borrowers most apps decline
- Line-of-credit style: one approval, draw as needed, interest only on what you use
- Single RBI-registered NBFC (Vivifi India Finance) is both the app owner and the lender — clean accountability
Watch out
- Annualised cost sits near the top of the personal-loan range; cheap only relative to informal borrowing
- Flexible minimum payments can stretch debt out much longer than users expect — track total cost of credit, not just the monthly outgo
- Salaried-only
Safety checklist
| Names its NBFC partner publicly | ✅ yes |
| Key Fact Statement available | — pending verification |
| Avoids contacts/media permissions | — pending verification |
| Grievance officer named | ✅ yes |
What borrowers complain about
Play reviews commonly cite confusion between the credit-line minimum due and actual payoff amount, leading to longer-than-expected repayment, plus standard collection-call complaints on overdue accounts. Widely reported patterns; not verified case-by-case.
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