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Live NOW in Maharashtra, Gujarat & Karnataka! More to Come!


INDIA’S 1ST PERSONAL LINE OF CREDIT


 * CREDIT LIMIT UP TO ₹2,00,000


 * 0% INTEREST FOR UP TO 51 DAYS


 * DIRECT BANK TRANSFER & REVOLVING LINE OF CREDIT

Download mobile app




0% INTEREST
RATE

If repaid within the Grace period up to 51 days


CREDIT LINE WITH EMI

Withdraw & repay in easy EMI of 5-20 months


LIGHTNING-FAST APPROVALS

Get approval in less than 15 minutes


ZERO
PAPER

100% Digital Proccess


PERSONAL LOAN EMI CALCULATOR

Choose your credit limit

₹
₹5,000
₹2,00,000

Choose a loan term

5 months
10 months
20 months

This loan term will be valid if you do not repay the amount before the end of
the Grace Period. You can always change this term later, before the end of your
Grace Period

Apply

Assuming withdrawal of entire credit limit in one go

Repayment within Grace Period

Settle the full amount within the Grace Period up to 51 days and pay 0 interest

Total due:

₹25,590

up to 19 September 2024

The payment includes a processing fee of ₹590


This is a one-time processing fee of ₹590 on your first withdrawal. All your
subsequent withdrawals will be free
OR
EMI Repayment

First EMI:

₹6,704

up to 29 September 2024

Next EMI's:

₹5,511

last day of each month




CHARGES



Processing fee (on the approved credit limit):



Grace period:

Until the th day of the month following
the month of receiving the loan

Interest rate:

% per annum

Late payment penalty:

% per month on the amount of overdue
debt (accrued on a daily basis)

Early repayment fee:

% of the early repayment amount.
The minimum amount of early repayment
is ₹

EMI reschedule (optional, charged when
the payment date is postponed):

₹

Limit increasing fee (optional, charged only
when using the service)

₹

Optional term fee:

months – ;
months – ₹;
months – ₹




STEPS TO APPLY FOR CREDIT LINE

Previous
Apply for the Credit Line

One form, for instant credit line limit approval

1
2
3
4
KYC Verification & Digital Contract Signing

Just a selfie or a quick video call, then sign the loan agreement digitally,
with zero paperwork

1
2
3
4
Start withdrawing!

Choose how much you want to withdraw and get it transferred directly to your
account

1
2
3
4
Easy repayments, your way

Want to pay 0 interest? Repay the money within the Grace Period. Or, pay with
easy EMIs of 5, 10 or 20 months

1
2
3
4
Next
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How we work?

Features You’ll Love
Single Credit Line, Countless Loans
Apply for a credit line once and utilize it multiple times as needed.
One-time Processing Fee
Pay the processing fee once, never again on future credit use!
No Collateral, No Guarantors
No collateral or guarantor is needed for credit line approval.

Attractive Interest Rates
Enjoy affordable interest rates so you don’t need to worry!
Multiple Repayment Options
Repay your loans easily with multiple repayment options.
Instant Fund Transfer
From sign-up to fund disbursement in less than 15 minutes.
About us

Viva Money is a digital financial lending platform offering India’s 1st Line of
Credit. By partnering up with Fincfriends Private Limited registered with RBI,
VIVA provides an affordable & easy way of taking a revolving credit line.

Viva Money stands as a pioneering member within the Viva family, as it extends
its presence to various countries including Mexico and Italy.

Learn more



WHY PEOPLE LOVE VIVA MONEY

Previous
Shanu Bhardwaj
Rajasthan
″It’s almost like borrowing money from your parents, you know? It’s fast and you
can really count on them. Either it’s a small amount or a big amount. The one
benefit Viva’s instant loan app has, though? It doesn’t ask you questions and
doesn’t judge you. I’ve taken out money for birthdays, pets, emergencies &
nearly for everything.″
Ankit Shankar
Gujarat
″I think it took me less than 15 minutes to get my account and start withdrawing
money. With a vacation coming up, that’s pretty much all I needed — a personal
line of credit loan app that let me withdraw as much as required and allow me to
repay at my own pace, without worrying about the hidden terms and conditions!″
Shwetha Shetty
Karnataka
″First of all, I love the VIVA instant loan app itself. It’s so clean and
minimal. Especially the user-friendly interface and how it doesn’t interrupt my
day. I showed it to my dad and he understood the idea of a credit line app so
fast. When it’s built to serve you simply, it takes so much stress out of the
process.″
Samson Pinto
Goa
″Go to a bank and they’ll ask you a million questions. It was different with
Viva. No paperwork, No questions asked and within minutes you get access to your
personal line of credit. It was way less stressful than my previous
experiences!″
Purvi Jain
Gujarat
″When I read “instant bank transfer”, I was pretty skeptical because who does
that? Well, before I knew it, I had money in my account. Now I know it’s an
instant loan app I can always count on.″
Vivek Sai Redapangi
Karnataka
″The Grace Period feature of VIVA acts as a helping hand for me as it gives me a
free hand to spend as such as required in an emergency situation and I get
enough time of up to 51 days to pay it back with zero interest. Interest Free
Loan, Big relief!″
Syamprasad Reddy
Andhra Pradesh
″The only reason I feared to take a personal loan was of going through tons of
documents and a long waiting time. But with Viva’s personal line of credit,
within 15 minutes and with no physical documents my credit line got approved and
the amount got transferred instantly to my bank account.″
Next
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DOWNLOAD VIVA
YOUR PERSONAL LOAN APP

Instantly withdraw money from your credit limit of up to ₹2,00,000! No
paperwork, ever



Frequently asked questions
What is Viva’s Line of Credit?

How can I apply for the Credit Line?

How is a Credit Line different from a Personal Loan?

What is Viva’s eligibility criteria?

What is the minimum and maximum credit limit offered by VIVA?

How can I make a withdrawal?

Can I choose how much I want to withdraw from my Line of Credit?

How long does it take for my credit line request to get approved?

What is VIVA?

Are you a bank or an NBFC?

Can I use the money in cash?

Can I set up an auto-debit from my bank to repay EMIs?

How is the credit limit decided?

Can my credit limit be increased?

Is there a salary eligibility to avail Viva’s Credit Line?

What is the ‘0% interest for up to 51 days’ feature?

Will a processing fee be charged every time I withdraw from my Line of Credit?

How can I opt for an early repayment option?

What is an "E-Nach digital mandate"?

How can I pay the processing fee?

What is the Optional Term Fee at Viva Money?

What is the EMI Reschedule option from Viva Money?

Can I skip an EMI payment?

How to Clear Your Debt with Viva Money?

What are the available payment options?

What documents do I need to get a credit limit?

How to get the mobile app?

Which phone models are compatible with the VIVA mobile app?

I'm experiencing a technical issue. How can I get in touch for help?

How much time do I have to accept the loan agreement once it's approved?

Do I have to provide proof of my income?

How does KYC verification work?

I received a rejection. Is it possible for me to apply for a loan in the future?

I received approval for an amount lower than requested. Can I increase my credit
limit?

I received approval for an amount higher than requested. Do I need to withdraw
the entire sum at once?

What does the SMS Alert service entail and how is it paid for?

Why is my first payment (EMI) larger than the others?

What does "My Balance" mean in the VIVA mobile app?

Why are my transfers put together into monthly periods?

What do I do if my phone number, email, or home address has changed?

I forgot my app password, how can I reset it?

Is it possible to modify the loan duration once the transfer is complete?

Why VIVA Money is India’s 1st Personal Line of Credit App

Show more
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CIN: U36737286KA74834
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