Live NOW in Maharashtra, Gujarat & Karnataka! More to Come!emoji
0% Interest rate

0% Interest rate

If repaid within the Grace period up to 51 days
Credit line with EMI

Credit line with EMI

Withdraw & repay in easy EMI of 5-20 months
Lightning-fast approvals

Lightning-fast approvals

Get approval in less than 15 minutes
Zero Paper

Zero Paper

100% Digital Proccess

Steps to apply for Credit Line

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Apply for the Credit Line

One form, for instant credit line limit approval

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KYC Verification & Digital Contract Signing

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

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Start withdrawing!

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

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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

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How we work?

Features You’ll Love

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Single Credit Line, Countless Loans
Apply for a credit line once and utilize it multiple times as needed.
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One-time Processing Fee
Pay the processing fee once, never again on future credit use!
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No Collateral, No Guarantors
No collateral or guarantor is needed for credit line approval.
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Attractive Interest Rates
Enjoy affordable interest rates so you don’t need to worry!
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Multiple Repayment Options
Repay your loans easily with multiple repayment options.
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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
VIVA Money teamVIVA Money team

Why people love VIVA Money

Happy Customers of VIVA Money App
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.″

Happy Customers of VIVA Money App
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!″

Happy Customers of VIVA Money App
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.″

Happy Customers of VIVA Money App
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!″

Happy Customers of VIVA Money App
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.″

Happy Customers of VIVA Money App
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!″

Happy Customers of VIVA Money App
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.″

Download VIVA

Your Personal Loan App

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

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Download VIVA Money - India’s 1st Personal Line of Credit App to apply for Interest Free Loans

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?
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