Welcome to Flexpay.in ("Flexpay", "Website", "site"), an offering from Vivifi India Finance Pvt Ltd ("Company", "we", "us", "our"). Vivifi India Finance Pvt Ltd offers short-term loans pursuant to a written agreement between us and a customer establishing an open-ended credit plan under which we contemplate repeated non-commercial loans for personal, family, or household purposes, that are unsecured, without fixed maturities or limitations as to the length of term, and subjected to prepayment in whole or in part at any time without penalty. These loans are intended to address short-term financial needs only, and are governed by the terms of the Flexpay Loan Agreement and the applicable laws of India. Vivifi India Finance Pvt Ltd, in whole, is not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India. Flexpay provide website features and other products and services to you when you visit Flexpay.in, use Flexpay’s financial products, use Flexpay applications for mobile, or use software provided by Flexpay in connection with any of the foregoing (collectively, "Services"). Flexpay provides the Services subject to the following terms and conditions.

By using Flexpay Services, you agree to these conditions as listed out in this agreement. Please read them carefully.

The following is a legal agreement (the "Agreement") between you and Vivifi India Finance Pvt Ltd (Flexpay) that sets forth the terms and conditions of your use of Flexpay.in (the "Website"). Use of the Website is conditioned on your acceptance, without modification, of the Agreement. Please carefully review the Agreement before using this Website. Your use of the Website constitutes your acceptance of all the terms, conditions, and notices contained in the Agreement. This Agreement supersedes any previous terms and conditions to which you and Flexpay may have been bound. If you do not agree to these terms, please exit this Website immediately.

Your use of this Site and any Term and Conditions stated in this policy is subject to laws of India. In case of any disputes arising out of the use of the Website and Mobile Application, Courts of Telangana will have exclusive jurisdiction.

We offer a wide range of Services, and sometimes additional terms may apply. When you use a Flexpay Service (for example, Your Profile, Flexpay Loan, or applications for mobile) you will also be subject to the guidelines, terms and agreements applicable to that Flexpay Service ("Service Terms") or the Flexpay Loan Agreement Terms. If the Terms and Conditions of this agreement are inconsistent with the Service Terms or Flexpay Loan Agreement terms, those Terms will control.

Flexpay.in provides a service that allows you to apply for a financial loan and receive emails or calls pertaining to your application, its processing and through the term of your account with us. You understand and agree that if you request a product or service, such as a loan, or any other service relating to finances offered, Flexpay.in will share your information with certain business partners and/or unrelated third-party companies to process and fulfill your request.

You further agree that by submitting information to Flexpay.in, you consent to allow us to contact you by telephone, email or mail, even if you have opted into the National Do Not Call List or any other Do Not Call List.


This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. This Agreement shall be subject to any other agreements you have entered into with Flexpay.in. All rights not expressly granted herein are hereby reserved.

No joint venture, partnership, employment, or agency relationship exists between you and Flexpay as a result of this Agreement or use of the Website. Flexpay’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Flexpay’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by Flexpay with respect to such use.

  • All salaried employees.
  • Minimum age: 18 years.
Documents Required
  • PAN
  • Identity Proof (Aadhaar / Driver's License / Passport / Voter ID / PAN)
  • Address Proof (Driving License / Utility Bills / Aadhaar / Passport / Bank Statements / Voter ID)
  • Photo with the applicant's face clearly visible (you will be prompted to take a selfie or upload a photo)
  • Net Banking Verification verification for validating your bank account and salary information
Interest & Fees Calculation

Flexpay is a line of Credit and does not have a minimum or maximum repayment period like a credit card. On utilizing INR 10,000 in credit line, at an interest rate of 36% on a reducing balance with a 1.75% (including GST) of line usage fee on average outstanding monthly balance, the Interest and Fees applicable for a 30-day period would be INR 475. A one-time processing fee of INR 650 (including GST) is deducted during first disbursal.