Flex Now, Pay Later Loan App – The Coolest new way to shop at your favourite merchants

FlexPay, brought to you by FlexSalary, is an instant digital credit line app that provides customers with their very own Digital Credit Card like experience. It’s an All-in-one credit-based payment application with a simple yet smart design focused primarily on simplifying the life of users by giving superior features such as instant access to credit on UPI, & Scan-now Pay-later option.

FlexPay provides instant credit up to ₹ 2,00,000 for salaried individuals in India with the following –
• Annual percentage interest rate (APR)-maximum of 36%
• Tenure- Ranging from 10 months to 36 months
• One-time Processing Fee ₹300- ₹750 (including GST): Will be applicable in the case of a new customer only at the time of first withdrawal.
• Late Fee- ₹0
• Bounce cheque fees-₹0
• Pre-payment penalty- ₹0
• Line usage fees- ₹150+GST Applicable only if the credit line is kept active after a part payment for a balance of ₹10,000

Using FlexPay Instant digital credit card, you can now pay for your groceries, food, medicines, bike service or buy train tickets & much more just using smartphone & Pay later at your convenience.
If that’s the case, what are our charges? Let’s take a small example to explain this-
Payment Example*: Suppose you get approved for a credit amount of ₹50,000 at an interest of 33% for a tenure of 10 months, the total of all the payments would be ₹57,605. This translates to a maximum APR of 35.47%.
• Approved Loan Amount= ₹50,000
• Loan Tenure= 10 months
• Total of all payments= ₹57,605
• Principal= ₹50,000
• One-time Processing Fee= ₹750
• Total Interest Amount= ₹6,855
*The above example shows the schedule for a customer who makes all the suggested payments on time with a minimum payment of 15% of initial outstanding (principal). Interest Rate varies based on the risk profile of the customer.

FlexPay is an offering from Vivifi India Finance Pvt. Ltd., a non-banking financial company (NBFC) registered with the RBI.

You can repay the instant cash loan along with interest conveniently in flexible payments over time. So, apply for an instant personal credit & use the funds for your needs.

Why use FlexPay?

Instant Credit Approval & disbursal : Get access to instant credit and Shop on UPI
Credit management : Check pending dues, review payment history, & track your spending
Quick payments : Make quick & easy merchant payments & send money to your friends & relatives instantly
No hidden Charges
Scan QR Code or Pay to UPI Id
Flexible Repayments
Multilingual platform

Use instant credit on UPI to buy now & repay us the amount with minimal interest, anytime at your convenience.

FlexPay aims at replacing the traditional credit card experience with its quick & easy Buy Now Pay Later - digital credit solution. You can call it a personal loan app or an app that offers a quick cash loan. Avail instant credit on UPI, rewards, & more on FlexPay.

Documents Required for Verification:
• Identity Proof (Aadhaar / Driver’s License / Passport / Voter ID)
• PAN card
• Address Proof (Driving License/Utility Bills / Aadhaar / Passport / Bank Statements /Voter ID)
• Net banking verification for validating your income
• Selfie/Photo

Eligibility Criteria for Loan
• Must be an Indian Citizen
• Must be above the age of 21
• Must have a minimum salary of ₹8,000
About Safety and Security : FlexPay is completely safe & secure. Information you share is encrypted & only used to verify your application.

Contact Details
Address: 5th Floor, Block C, Sanali Info Park, Road No: 2, Banjara Hills, Hyderabad, Telangana 500034. Email us at: [email protected]