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FlexSalary Review

Vivifi India Finance Pvt Ltd (own RBI-registered NBFC, N-09.00447)

Loans up to ₹3L; instant approval

Reviewed by
SahiSujhav editorial — Independent borrower-side review
Last verified
2026-05-16
Right of reply
FlexSalary invited to respond on 2026-05-16. Status: pending
Indicative APR upto
Upto 150%
Indicative processing fee upto
Upto 10%
Tenure
0–0 months
Ticket size
₹0–₹0
0.0 / 5
SahiSujhav editorial rating

Red flags

  • •Reported APR exceeds 100%

Green flags

No clear green flags noted.

Permissions demanded

Data practices

Recovery practices

Sources & references

    Last reviewed: 2026-05-16

    Grievance & support

    Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.

    Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.

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    Frequently asked questions about FlexSalary

    Is FlexSalary RBI-registered?

    FlexSalary is operated by Vivifi India Finance Pvt Ltd (own RBI-registered NBFC, N-09.00447). Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.

    What is the real APR on FlexSalary?

    FlexSalary charges an APR between 150% and 150% per annum with a processing fee of up to 10%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.

    Is FlexSalary safe to use?

    Loans up to ₹3L; instant approval Permissions demanded: not disclosed. Recovery practices: not independently verified.

    What loan amount and tenure does FlexSalary offer?

    Ticket size ranges from ₹0 to ₹0, with tenure between 0 and 0 months.

    How do I close my FlexSalary loan early?

    Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If FlexSalary refuses or harasses you, file a complaint on the RBI Sachet portal.