FlexSalary App Reviews, Customer Care Number & Details

Credit line and personal loan platform with amounts from Rs 1,000 to Rs 3 lakh.

This FlexSalary app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified FlexSalary customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

FINTECHNo CIBIL NeededZero PrepaymentZero ForeclosureRBI Regulated

Reviewed by BankCreds App Review Team· App Review Analysts Updated 14 June 2026

FlexSalary is a revolving line of credit rather than a one-shot loan — you get an approved limit, draw what you need, and pay interest only on what you use. It's run by Vivifi India Finance, an RBI-registered NBFC, and is unusually accessible, approving earners from just ₹8,000 a month with no CIBIL score.

This review covers what FlexSalary really costs across its 18–42% band, how the line works, and the per-draw fees that quietly add up.

Quick Facts

4.3★ · 50K

Play Store

₹3L

Max Loan

18.00% – 42.00% p.a.

Interest Rate

Within minutes

Disbursal

3 – 36 months

Tenure

Up to 5% + GST

Processing Fee

Rs 8,000 per month

Min Income

Play Store rating sourced from Google Play, as of 3 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 4.0/5

Paperless approval and disbursal within minutes once your limit is set.

Interest & cost 2.0/5

An 18% floor for clean profiles, but most land in the upper half, up to 42%, plus an up-to-4.25% per-draw fee.

App experience 3.0/5

Rated around 3.8★ on the Play Store; some users report approval stuck at "finalising limit".

Customer support 2.5/5

Some users report sudden credit-line freezes and weak support.

Safety & transparency 3.0/5

Run by Vivifi India Finance, an RBI-registered NBFC, though borrowing costs are high.

Loan Details & Charges

Loan Amount Rs 1,000 – Rs 3,00,000

Interest Rate 18.00% – 42.00% p.a.

Tenure 3 – 36 months

Processing Fee Up to 5% + GST

Late Payment Penalty on overdue amount

Prepayment No prepayment charges

Foreclosure No foreclosure charges

Eligibility Criteria

Age 21-55 years

Min Income Rs 8,000 per month

CIBIL Score Not required

Employment salaried

Documents PAN Card, Aadhaar Card, Bank statement access

What It Actually Costs

Loan amount ₹50,000 drawn

Tenure 12 months

Monthly EMI ₹4,874

Total interest ₹8,488

Processing fee Up to 4.25% (~₹2,125) + GST, on the draw

Total repayment ₹58,488

Illustrative at a ~30% rate on a single draw. Your actual rate (18%–42%) depends on your profile, and the fee can apply to each new withdrawal — confirm before drawing.

Try the FlexSalary EMI calculator

Pros

A revolving line — draw what you need and pay interest only on that
Unusually accessible — earners from ₹8,000/month, no CIBIL required
Fast, paperless approval and disbursal within minutes
Run by Vivifi India Finance, an RBI-registered NBFC
No prepayment penalty advertised

Cons

An 18% floor is rare — most borrowers land in the upper half, up to 42%
An up-to-4.25% processing fee can recur on each fresh withdrawal
Some users report sudden credit-line freezes after good repayment
Weak customer support and occasional approval glitches
High cost makes carrying a balance long-term painful

Our Verdict

FlexSalary fills a real gap: a revolving line of credit for people the banks reject — no CIBIL needed, income from just ₹8,000 a month, money in minutes. The draw-only structure, where interest accrues solely on what you use, is genuinely useful for occasional short cash gaps. It's a legitimate, RBI-registered NBFC (Vivifi India Finance). But it's expensive. The 18% floor is rare; most thin-file borrowers land in the upper half of the 18–42% band, and an up-to-4.25% fee can recur on fresh withdrawals, so frequent small draws quietly stack fees. Use it as an occasional buffer you clear fast — not a balance you carry.

Who FlexSalary suits

Salaried earners rejected by banks for low or no CIBIL

People who need a small amount within minutes

Borrowers who want a revolving line they dip into occasionally and clear fast

Lower-income earners (from ₹8,000/month) with few other options

Look elsewhere if

You qualify for a bank or lower-rate NBFC — you'll pay far less than 18–42%

You'd carry a large balance long-term, where the high APR compounds

You make frequent small draws — the per-draw fee bites each time

Things to Watch

The 18% floor is rare — most thin-file borrowers land in the upper half of the 18–42% band, so confirm your actual rate
The up-to-4.25% processing fee can recur on each fresh withdrawal, so frequent small draws stack fees
Some users report sudden credit-line freezes and difficulty reaching support — don't rely on the limit always being available

How to Apply for FlexSalary

1

Register in the app

Download FlexSalary or apply on the website with your mobile and email.
2

Enter your details

Provide your personal, employment and income details (salaried, from ₹8,000/month, age 21–55).
3

Complete paperless KYC

Upload PAN, Aadhaar, address proof and income proof online.
4

Draw funds

Get an approved limit, then withdraw on demand — funds reach your bank in minutes, with interest only on what you draw.

Documents Required

PAN card

Aadhaar (or driving licence / passport) for ID

Address proof — passport, rental agreement or utility bill

Income proof — last 3–6 months' salary slips and bank statement

What Real Users Say

FlexSalary rates around 3.8★ on the Play Store and ~4.2★ on iOS, though independent review sites skew lower.

Sentiment is mixed — praise for speed and access, criticism on cost and limit freezes.

What users love

Borrowers value the fast, paperless flow and the revolving access for short cash gaps.

Common complaints

Some users report the effective cost feeling high, limit freezes after good repayment, and weak support.

How FlexSalary Compares

vs Stashfin — Stashfin starts cheaper and goes up to ₹5 lakh — FlexSalary's 18% floor looks pricey for well-qualified borrowers.

vs LazyPay — LazyPay leans BNPL and short-term; FlexSalary offers a larger, longer revolving line, but at a higher ceiling rate.

vs KreditBee — KreditBee's maximum rate undercuts FlexSalary's 42% ceiling, making it cheaper for mid-tier credit profiles.

How we tested

We reviewed FlexSalary's published rates and line-of-credit terms, confirmed its operator (the RBI-registered NBFC Vivifi India Finance) and its grievance process, and read recent borrower feedback across app stores and complaint forums. Conduct complaints are user-reported allegations, not adjudicated findings. Confirm your exact rate and per-draw fees before borrowing.

FlexSalary Customer Support Details

FlexSalary is run by Vivifi India Finance, an RBI-registered NBFC, so the lender and the app are the same entity — simpler than the platform-plus-partner arrangements common elsewhere. Support answers from Hyderabad on a chargeable landline; email tends to work better for disputes about charges or credit-line limits.

FlexSalary customer care number	+91 40 4617 5151
FlexSalary WhatsApp number	NA
FlexSalary customer support email ID	support@flexsalary.com
Registered lending entity	Vivifi India Finance Private Limited (RBI-registered NBFC)

Verified from FlexSalary's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. All lender, bank & insurer contacts →

Frequently Asked Questions

Is FlexSalary RBI-approved and safe?

Yes — it's run by Vivifi India Finance Pvt Ltd, an RBI-registered NBFC since 2017. It's a legitimate lender, though borrowing costs are high.

What's the actual interest rate on FlexSalary?

18% to 42% per annum, set by your profile. The 18% floor is rare, and most borrowers — especially thin-file ones — pay toward the higher end.

How is FlexSalary different from a normal loan?

It's a revolving line of credit up to ₹2,00,000 — you draw as needed and pay interest only on what you withdraw, not the full limit. Repay, and the limit replenishes.

Do I need a good CIBIL score for FlexSalary?

No — FlexSalary doesn't require a CIBIL score, which is why some thin-file borrowers use it. Expect a rate toward the higher end of the band, though.

What does FlexSalary cost beyond interest?

A processing fee of up to 4.25% plus GST, charged when you withdraw — and it can apply to each fresh draw, so frequent small withdrawals add up.

Is FlexSalary RBI registered?

Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. For FlexSalary, the registered lending entity is Vivifi India Finance Private Limited (RBI-registered NBFC). To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.

What is the FlexSalary customer care number?

The FlexSalary customer care number is +91 40 4617 5151. You can also email support@flexsalary.com. Always cross-check this against the number shown inside the FlexSalary app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.

How do I file a complaint against FlexSalary?

Work the escalation ladder in order. First, raise the complaint with FlexSalary support (support@flexsalary.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer, whose details every RBI-regulated lender must publish on its website and inside its app. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from FlexSalary recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer, then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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