Product positioning
Focusing on personal consumption and micro-enterprise emergency scenarios, providing short-term online funding support.
FlexiCash — revolving credit on your terms
Flexible and convenient credit assessment financial application tool
Experiencing temporary cash flow problems? FlexiCash offers an efficient and convenient solution.
Applying with FlexiCash only requires your ID and mobile phone number, eliminating cumbersome paperwork and making the entire process simple and efficient. Unlike conventional lending products, this application does not force users to borrow money once they receive a credit line. After completing a comprehensive credit assessment and successfully activating your dedicated credit line, even if you leave it unused for a long period without making any withdrawals, you will not incur any additional expenses such as interest or service fees. It's like having a flexible emergency fund in advance, preventing unnecessary debt burden. FlexiCash only calculates interest costs based on the actual amount of funds used when you have an actual need for funds and actively withdraw them. Our "credit first, use as needed, bill only" model significantly increases the freedom of fund usage while reducing borrowing concerns, making personal financial management more secure and manageable.
Why FlexiCash
FlexiCash's core advantages
User experience
Extremely simple process, streamlined steps, intuitive and easy-to-understand interface, low learning curve.
Credit service
Intelligent algorithm matching, customizing exclusive credit plans based on individual credit and needs.
Security guarantee
Multi-factor authentication + advanced data encryption, protecting account and information security throughout the process.
Credit limit mechanism
No forced borrowing after credit is granted; no fees are charged for idle credit, serving as an emergency reserve fund.
Billing & flexibility
Interest is calculated based on the actual withdrawal amount and the number of days used; pay only as needed. Withdraw funds anytime, anywhere; independent control over borrowing behavior; ample room for financial planning; avoid ineffective debt.
Inside the app
Screens from FlexiCash
A quick look at the flows and interface you will use on your device.
Swipe horizontally to see all screens.
Numbers & rules
Application details
- Withdrawal period
- Flexible withdrawal period, users can choose freely, with a maximum of 365 days and a minimum of 60 days.
- Withdrawal amount
- Minimum 1,000 INR, maximum 50,000 INR.
- Daily interest
- 0.05%/day, equivalent to a maximum of 18.25%/year.
- Withdrawal fee
- 3% of the withdrawal amount is charged for each withdrawal due to payment needs.
If the loan is not repaid by the due date, for example, if the user originally planned to withdraw the amount for 30 days but needs to extend it to 45 days, the extra days will still be charged an extension fee of 0.05%/day.
Example of withdrawal calculation
If you withdraw 10,000 INR over 120 days at an annual interest rate of 18.25%:
- Daily interest rate: 18.25%/365 = 0.05%.
- Daily interest payable: 10,000 * 0.05% = 5 INR.
- Monthly interest payment: 10,000 * 0.05% * 30 = 150 INR.
- Monthly payment: 10,000 * 0.05% * 30 + 10,000/120 * 30 = 2,650 INR.
- Total interest: 10,000 * 0.05% * 120 = 600 INR.
- Total payment: 10,000 + 600 = 10,600 INR.
- Withdrawal fee: 10,000 INR * 3% = 300 INR.
- User's received amount: 10,000 INR - 10,000 INR * 3% = 9700 INR
- The user will receive a cash advance of 9700 INR, to be repaid in 120 days, with 10,600 INR due.
If the user repays the amount early, the bill will be calculated based on the actual number of days the cash advance was made.
Support
Contact information
Working hours
Monday to Sunday, 08:00–18:00
Address
No.9/40, Thandhai, E.V.R Rd, Thottiyam, Balasamudram, Musiri, Tamil Nadu, India - 621203