With a 100% online process, you can apply for a credit line in less than 5 minutes from FlexSalary. Documentation is very minimal, and you will get an immediate approval decision.
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Interest and Tenure:
• 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
Payment Example*: For an approved loan 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
o Principal = ₹50,000
o One-time Processing Fee = ₹750
o 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.
If you meet our simple loan eligibility criteria, you will receive instant credit in your bank account on the same day.
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