Viva Money: Personal Loan App

Store description excerpt

Whether it's an unexpected expense, a planned purchase, or a temporary cash crunch, users can access funds in just a few taps. It gives you the flexibility to access funds when you need them most. Viva Money is a trusted 0% interest loan app that offers a seamless digital borrowing experience. As a reliable loan app, it provides safe and transparent access to funds through its partnership with FincFriends Private Limited, an RBI-registered NBFC. Why Choose Viva Money Instant Loan App? With Viva Money, you get: - 0% interest for up to 51 days - Personal loan from ₹5,000 to ₹2,00,000 - 100% digital and hassle-free process - Quick loan from an RBI-registered NBFC - Flexible EMI options, based on your eligibility - Pay interest only on the withdrawn amount - Approval in less than 15 minutes - Funds transferred directly to your bank account Who Can Apply for loan on Viva Money App? You can easily apply for Viva Money if you fulfill the following criteria: - Minimum monthly income of ₹15,000 or household income of ₹25,000 - Must be in the age group of 21 to 64 years - Must be a resident of Karnataka, Maharashtra, Gujarat, Tamil Nadu, Haryana or Goa. Documents Required - PAN Card - Aadhaar Card How Does Viva’s 0% Interest Loan App Work? Example: Hrithik was searching for the best personal loan app in India on 1st January and discovered Viva Money’s instant personal loan app. He applied for ₹1,50,000 through the loan app and got approved instantly. On 1st February, he withdrew ₹50,000 to purchase a laptop. Since the Viva Money loan app offers a 51-day interest-free period, he can repay the amount by 20th March & enjoy a 0% interest loan. A processing fee of 4.5%, along with a grace repayment fee of 1.5%, applies to the total withdrawal amount when the amount is repaid within the grace period. For repayments beyond this period, Hrithik can easily convert the balance into Flexible EMI options, based on his eligibility, through the flexi loan app, with interest rates ranging from 18% to 40% APR on the Viva Money loan app. For instance: Withdrawn amount: ₹50,000 Tenure: 5 months Interest rate: 40% per annum Processing fee: 4.5% = ₹2,250 + GST = ₹2,655 Total interest for 5 months: ₹5,495 Total cost if paid in EMI = ₹50,000 + ₹2,655 + ₹6,810 = ₹58,150 Secure Lending with an RBI-registered NBFC: Viva Money is an ISO-certified (27001:2022) online loan app committed to keeping your data secure with advanced encryption technology. In partnership with RBI-registered NBFC FincFriends, we ensure a transparent and reliable borrowing experience with quick access to funds. App Permissions Required: - SMS - One-time access for camera, microphone, & location for VKYC Data Security: Every transaction on the Viva Money online loan app is protected by advanced security measures. Why is Viva Money the Best Personal Loan App in India? Unlike other instant personal loan apps, Viva Money offers a faster, paperless process with flexible repayment options.

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