FlexSalary is an Instant Line of Credit for any emergency cash needs acting as a digital credit card in your pocket. Flex Salary allows you to address short-term cash crunches, without going through the awkwardness of asking friends, family or employers, by leveraging the equity you have in your yet-to-be drawn salary. If you are a business, you can sign-up such that your employees can be pre-approved and use this service whenever required.

FlexSalary Features


Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal line of credit immediately after you review & sign your loan documentation.

If you are approved for a FlexSalary account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your minimum payment due).

Truly flexible, you may repay a part of your total outstanding or total due at anytime, whenever you have money available. You are not forced to keep any amount due at any point of time, so there's no burden of prepayment penalties.

The loan process is completely transparent, and each customer of VIVIFI using the FlexSalary product is made aware of every cost that is associated with their FlexSalary account including the actual payment burden.

Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at support@vivifin.com for any assistance.

The entire application and verification process is completed through our secure servers which do not save any data. No single entity has access to this data and hence it is entirely safe and secure.

A traditional personal loan with options to repay in a fixed term for cash intensive needs like the purchase of a new vehicle, home improvements, marriage expenses, hospitalisation needs, etc. With LoanGranted, there is no requirement for collateral or even going to the bank! You can apply online and with our e-sign feature, get approved easily.

Loangranted Features


Every customer is evaluated by our proprietary loan approval algorithm for instant approval. If you comply with the requirements of the application and electronically identify yourself and your income, you may be instantly approved and have access to your personal loan immediately after you review & sign your loan documentation.

If you are approved for a LoanGranted account, you will not be required to offer any collateral for this loan. You will need to sign an authorisation form allowing us to draft money from your bank account on your due date (if you have not already paid your installment payment due).

Unlike any other personal loan available, LoanGranted truly believes in allowing our customers to repay at any time without any prepayment penalties. You may repay a part of your total outstanding or pay ahead at anytime whenever you have money available. You are not forced to keep any amount due at any time thereby having no burden of prepayment penalties.

The loan process is completely transparent, and each customer of VIVIFI using the LoanGranted product is made aware of every cost associated with their LoanGranted account including the actual payment burden.

Our friendly and multilingual customer care staff is always just a call or click away. You can call us Monday through to Saturday from 8 AM IST to 8 PM IST. You can also email us at support@vivifin.com for any assistance.

The application process is completed through our dynamic and secure website. No personal or financial data is stored on our servers. You can rest assured of 100% confidentiality and security.