Viva Money: Credit & Loan App

Looking for instant money? Get a flexible credit line loan of up to ₹2,00,000 at 0% interest for up to 51 days with Zero Paperwork! Viva Money is India’s trusted credit line & personal loan app, partnered with FincFriends Private Limited, an RBI-registered NBFC providing financial freedom at your fingertips.

Why Choose Viva Money - Instant Credit Line App?

With Viva Money - Instant Loan App, you get:
• 0% interest loans for up to 51 days - Withdraw & repay within the grace period without paying any interest
• Credit line up to ₹2,00,000 - Borrow as per your needs
• Instant loan - Approvals in less than 15 minutes with the Viva Money Instant Loan App
• Revolving line of credit app - Get continuous access to funds
• Pay interest only on the withdrawn amount
• 100% digital process with zero paperwork
• Instant personal loan from an RBI-registered NBFC
• Flexible EMIs - Convert into 5, 10 or 20 months

How to Apply for Viva’s Instant Credit Line Loan?

Get a personal loan in just 15 minutes by Viva Money - Credit Line App by following these simple steps:
1. Download the Viva Money - Instant Credit Line & Personal Loan App
2. Log in with your mobile number
3. Add your PAN, Aadhaar details & check your eligibility
4. Complete KYC verification
5. Get instant approval & access your 0% interest personal loan anytime!

How Does the Viva Money Credit Line Loan App Work?

Example: On 1st January, Rahul applies for a credit line loan of ₹1,50,000. He gets approved but doesn’t withdraw any funds initially. On 1st February, he withdrew ₹50,000 to buy a laptop. Since we offer up to 51-day grace period, he can repay the amount until 20th March at 0% interest!

A processing fee of 4.5% applies to the total withdrawal of the first month, which drops to 2% for all upcoming monthly withdrawals. A grace repayment fee of 1.5% applies when the amount is repaid within the grace period. For repayments beyond this period, Rahul can simply convert the balance into EMIs of 5, 10, or 20 months, with interest rates ranging from 18% to 40% APR on our personal loan app.

As an example:
Loan amount withdrawn: ₹50,000
Loan tenure: 5 months
Rate of interest: 40% per annum
Processing fee (first month): 4.5% = ₹2,250 + GST = ₹2,655
Total interest for 5 months: ₹6,810
Total cost if paid in EMI = ₹50,000 + ₹2,655 + ₹6,810 = ₹59,465

Who Can Apply for a Credit Line through Viva Money - Personal Loan App?

You can easily apply for an instant loan through the Viva Money – Instant Loan App if you fulfill these criteria:
• Must be in the age group of 21 to 64
• Minimum monthly income of ₹15,000 & household income of ₹25,000
• Viva Money - personal loan app is currently live in Karnataka, Maharashtra, Gujarat, Tamil Nadu, Goa, Delhi, Haryana, & Rajasthan. So, you must be located in one of these states to apply.

Documents required for an instant personal loan:
• PAN Card
• Aadhaar Card

Secure & Reliable Lending with our Credit Line Loan App:
Your privacy & security are our top priorities at Viva Money - Instant Loan App. We follow strict RBI guidelines & advanced encryption protocols to keep your data safe. Our lending partner, FincFriends, ensures a seamless & transparent borrowing experience for credit lines.

App Permissions Required:
• SMS
• One-time access to camera, microphone, location & storage

Why Viva Money is the Best Instant Loan App in India?

Unlike traditional banks, Viva Money - Instant Loan App offers a faster, paperless process with flexible repayment options. Whether you're looking for a medical loan, travel loan, education loan, home loan, vehicle loan, gold loan, business loan, credit card, secured loan, flexi loan, home renovation loan, payday loan, two-wheeler loan, cash loan personal loan, instant loan, or any other type of loan, our loan app instant cash advance feature is your one-stop solution. We ensure quick and hassle-free access to cash to meet your financial needs.

Contact Us:
Email: chat@vivamoney.in
Website: https://vivamoney.in