Flot : Personal Loan App

Flot is a secure, fully digital personal loan app offering unsecured loans from ₹1,000 to ₹99,000 with flexible tenures of 3–12 months. APRs range from 28.8% to 55% depending on borrower profile. Flot speeds approval using SMS and device-based income and obligation estimation so selected customers can get offers in real time without explicitly uploading bank statements or pay slips. Loans are processed by RBI‑registered NBFC partners (DSG Investments Private Limited) and disbursed directly to the borrower’s registered bank account.

Applying is simple: install the Flot app, register with your mobile number, complete KYC, and submit a loan request — approvals can arrive within hours. The platform emphasizes security and data encryption, transparent fees (example processing fee and EMI breakdown shown in-app), and customer support. Terms, privacy policy and partner details (DSG Investments) are available on the Flot website.