[{"data":1,"prerenderedAt":342},["Reactive",2],{"head-scripts":3,"main-menu":14,"page--faq":33,"footer-menu":190,"common-blocks-header":202,"common-blocks":212,"meta-/faq":339},{"script":4,"noscript":10},[5],{"key":6,"innerHTML":7,"async":8,"type":9},"head-script","(function (w, d, s, l, i) {\n        w[l] = w[l] || [];\n        w[l].push({ \"gtm.start\": new Date().getTime(), event: \"gtm.js\" });\n        var f = d.getElementsByTagName(s)[0],\n          j = d.createElement(s),\n          dl = l != \"dataLayer\" ? \"&l=\" + l : \"\";\n        j.async = true;\n        j.src = \"https://www.googletagmanager.com/gtm.js?id=\" + i + dl;\n        f.parentNode.insertBefore(j, f);\n      })(window, document, \"script\", \"dataLayer\", \"GTM-TCFPHZD\");\n\n!(function (t, e, n, s, a, c, i, o, p) {\n        (t.AppsFlyerSdkObject = a),\n          (t.AF =\n            t.AF ||\n            function () {\n              (t.AF.q = t.AF.q || []).push(\n                [Date.now()].concat(Array.prototype.slice.call(arguments))\n              );\n            }),\n          (t.AF.id = t.AF.id || i),\n          (t.AF.plugins = {}),\n          (o = e.createElement(n)),\n          (p = e.getElementsByTagName(n)[0]),\n          (o.async = 1),\n          (o.src =\n            \"https://websdk.appsflyer.com?\" +\n            (c.length > 0 ? \"st=\" + c.split(\",\").sort().join(\",\") + \"&\" : \"\") +\n            (i.length > 0 ? \"af_id=\" + i : \"\")),\n          p.parentNode.insertBefore(o, p);\n      })(window, document, \"script\", 0, \"AF\", \"pba\", {\n        pba: { webAppId: \"7b7261bf-d020-426b-8691-f814f13d1d84\" },\n      });",true,"text/javascript",[11],{"key":12,"innerHTML":13},"body-noscript","\u003Cstrong>\n  We're sorry but \u003C%= htmlWebpackPlugin.options.title %> doesn't work\n  properly without JavaScript enabled. Please enable it to\n  continue.\n\u003C/strong>\n\n\u003Cimg\n  style=\"display: none\"\n  src=\"https://score.juicyscore.com/savedata/?isJs=0\"\n/>\n\n\u003Ciframe\n  src=\"https://www.googletagmanager.com/ns.html?id=GTM-TCFPHZD\"\n  height=\"0\"\n  width=\"0\"\n  style=\"display: none; visibility: hidden\"\n>\u003C/iframe>",[15,18,21,24,27,30],{"title":16,"isShow":8,"url":17},"Live States","/available-states",{"title":19,"isShow":8,"url":20},"Products","/product-page",{"title":22,"isShow":8,"url":23},"About Us","/about-us",{"title":25,"isShow":8,"url":26},"Contact Us ","/reach-us",{"title":28,"isShow":8,"url":29},"Blog","/blog",{"title":31,"isShow":8,"url":32},"Policies & Codes","/policies-and-codes",{"id":34,"documentId":35,"name_page":36,"url":37,"createdAt":38,"updatedAt":38,"publishedAt":39,"locale":40,"hidden_headers":41,"content":42,"seo":41,"localizations":189},790,"hc3ymp4jwol73k9h4f6l9dp7","FAQ","/faq","2026-07-06T16:20:05.867Z","2026-07-06T16:20:06.067Z","en",null,[43],{"__component":44,"id":45,"show_less_label":41,"show_more_label":41,"displayed_count":46,"mirror_content_from_home_page":47,"use_link":47,"link_source":41,"show_all_label":41,"items":48,"title_block":185},"block.faq-blocks",289,"100",false,[49,53,57,61,65,69,73,77,81,85,89,93,97,101,105,109,113,117,121,125,129,133,137,141,145,149,153,157,161,165,169,173,177,181],{"id":50,"question":51,"answer":52},6084,"What is Viva Money?","\u003Cp>Viva Money is your instant financial saathi and a trusted instant personal loan app offering India’s 1st Super Flexi Loan, designed to give you quick and easy access to funds. You can borrow anywhere from ₹5,000 to ₹2,00,000 with a 51-day interest-free grace period. The best part? You pay interest only on the amount you withdraw, not on the entire approved limit.\u003C/p>",{"id":54,"question":55,"answer":56},6085,"Are you a Bank or an NBFC?","\u003Cp>Viva Money is an LSP (Loan Service Provider) partnered with FincFriends Private Limited, an RBI-registered NBFC. We adhere to all security guidelines and policies mandated by the RBI. FincFriends Private Limited is your lender, and all payment terms and conditions are agreed upon with them. Our instant personal loan app is designed to give you a simple, secure, and hassle-free borrowing experience.\u003C/p>",{"id":58,"question":59,"answer":60},6086,"What are the Eligibility Criteria for Viva Money’s Super Flexi Loan?","\u003Cp>To apply for Viva Money’s Super Flexi Loan, you need to meet the following criteria, you must:\u003C/p>\u003Cul>\u003Cli>Be a resident of Karnataka, Maharashtra, Gujarat, Tamil Nadu, Haryana or Goa\u003C/li>\u003Cli>Be between age group 21–64 years\u003C/li>\u003Cli>Be earning at least ₹15,000 per month (₹25,000 household income)\u003C/li>\u003Cli>Have a stable full-time, part-time job, or self-employed income source\u003C/li>\u003C/ul>\u003Cp>Once you meet all the requirements, you’re eligible to unlock the benefits of our instant loan app!\u003C/p>",{"id":62,"question":63,"answer":64},6087,"Why is Viva Money India’s 1st Super Flexi Loan App? ","\u003Cp>Viva Money offers India's 1st Super Flexi Loan that redefines how you borrow. With its unique 51-day Interest Free Grace Period, you get the flexibility to manage short-term expenses without any financial pressure. Whether it’s an emergency, monthly bills, or personal goals, this quick loan app lets you withdraw only what you need and pay interest solely on the amount used. It’s a smarter and more flexible way to stay in control of your finances.\u003C/p>",{"id":66,"question":67,"answer":68},6088,"Is proof of income required to apply?","\u003Cp>No, you don’t need to provide any income confirmation documents to apply. We make the process simple and hassle-free, welcoming your application without the need for income proof through our loan app.\u003C/p>",{"id":70,"question":71,"answer":72},6089,"Does Viva Money offer loans through RBI-regulated lending partners?","\u003Cp>Viva Money operates in partnership with FincFriends Private Limited, an RBI-registered NBFC. While the RBI does not directly approve digital lending apps, Viva Money’s collaboration with an RBI-approved NBFC ensures that all lending processes are fully compliant with the RBI’s regulatory framework. This means that when you apply for a loan through the Viva Money instant loan app, you can be assured of a secure, regulated, and reliable loan experience that follows all necessary guidelines.\u003C/p>",{"id":74,"question":75,"answer":76},6090,"How to download the Viva Money Loan App?","\u003Cp>Download the Viva Money instant personal loan app by clicking on this link below:\u003Cbr>\u003Cbr>\u003Ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://vivam.onelink.me/0rtl/zw1ld90q\">https://vivam.onelink.me/0rtl/zw1ld90q\u003C/a> \u003C/p>",{"id":78,"question":79,"answer":80},6091,"How do I log in to the Viva Money Loan App?","\u003Cp>Accessing the Viva Money Super Flexi Loan is quick and hassle-free! Simply log in using your registered mobile number. If you're a new user, register with your mobile number and complete the application process in less than 15 minutes. Once approved, you can check your limit, borrow money, and manage your finances easily with our instant loan app.\u003C/p>",{"id":82,"question":83,"answer":84},6092,"What are the products that Viva Money offers?","\u003Cp>Viva Money offers two smart financial products, i.e, Super Flexi Loan and Credit Line. Both are designed to give you quick and easy access to funds whenever you need them. You can borrow from ₹5,000 to ₹2,00,000, based on your approved limit. Whether it’s for an emergency or a planned expense, this instant loan app helps you manage your funds with complete flexibility and convenience.\u003C/p>",{"id":86,"question":87,"answer":88},6093,"What documents do I need to get a Super Flexi Loan?","\u003Cp>You only need two basic documents to get started: your Aadhaar and PAN. These help us verify your identity quickly and securely. The entire process of loan app is 100% digital, so you can complete it in just a few minutes without any paperwork.\u003C/p>",{"id":90,"question":91,"answer":92},6094,"I am a working professional, am I eligible for a loan?","\u003Cp>Absolutely! If you’re a salaried employee, you can easily apply for Viva Money’s Super Flexi Loan through the Viva Money app. You just need a stable monthly income of more than ₹15,000, or a household income of at least ₹25,000 to apply for a professional loan. \u003C/p>",{"id":94,"question":95,"answer":96},6095,"I am a self-employed individual, am I eligible for a loan?","\u003Cp>Yes, absolutely! Viva Money welcomes self-employed individuals to apply for a Super Flexi Loan through the Viva Money app by meeting the basic eligibility criteria, such as having a minimum monthly income of more than ₹15,000 & a household income of at least ₹25,000. Just meet the basic requirements and avail the benefits of a personal loan for self-employed. \u003C/p>",{"id":98,"question":99,"answer":100},6096,"Is there any collateral required?","\u003Cp>Not at all! You don’t need to provide any collateral or security to get a Super Flexi Loan from Viva Money. The process of quick loan app is completely digital, quick, and hassle-free, making it easy for you to access funds whenever you need them.\u003C/p>",{"id":102,"question":103,"answer":104},6097,"What is the minimum and maximum credit limit offered by Viva Money?","\u003Cp>Viva Money offers instant funds from ₹5,000 to ₹2,00,000 at an Interest-Free Grace Period of up to 51 days. Whether it’s a small expense or a bigger financial requirement, the instant loan app has got you covered!\u003C/p>",{"id":106,"question":107,"answer":108},6098,"Once I download the app, how much time will it take to complete the application?","\u003Cp>The instant loan app takes less than 15 minutes to complete your application and get the money transferred to your bank account. Just make sure you have your digital documents handy!\u003C/p>",{"id":110,"question":111,"answer":112},6099,"How can I make a withdrawal?","\u003Cp>It’s super easy! Just log in to the Viva Money loan app using your registered mobile number.\u003Cbr>Tap on the “Withdraw” button.\u003Cbr>Choose the amount you need from your approved limit.\u003C/p>\u003Cp>Once you confirm, the money is instantly transferred to your bank account. The whole process is quick, digital, and takes less than 15 minutes!\u003C/p>",{"id":114,"question":115,"answer":116},6100,"How does KYC verification work in the quick loan app?","\u003Cp>Viva Money offers a quick and simple VKYC process that ensures your verification is smooth and stress-free.\u003C/p>\u003Cp>\u003Cstrong>How it works:\u003C/strong>\u003Cbr>Just join a short video call with our representative through the Viva Money app. You’ll only need your PAN card and Aadhaar card handy for identity verification.\u003Cbr>\u003Cbr>\u003Cstrong>KYC Verification Timings:\u003C/strong>\u003Cbr>Weekdays: 9 a.m. to 9 p.m.\u003Cbr>Weekends: 10 a.m. to 7 p.m.\u003C/p>\u003Cp>If you apply outside these hours, no worries, our agents will connect with you on the next working day.\u003C/p>",{"id":118,"question":119,"answer":120},6101,"What is the time limit to accept the loan agreement once it's approved?","\u003Cp>You have long 72-hour window to make your decision post VKYC process from our loan app.\u003C/p>",{"id":122,"question":123,"answer":124},6102,"Can I repay my loan in easy EMIs?","\u003Cp>Absolutely! With the Viva Money instant loan app, you can repay your loan in flexible EMIs. You can choose from three convenient EMI tenures of 5, 10, or 20 months, depending on what works best for your budget. Whether you're looking for a shorter repayment period or a longer one, our online loan app gives you complete control, making it easy to manage your finances without any hassle.\u003C/p>",{"id":126,"question":127,"answer":128},6103,"How much interest will I need to pay?","\u003Cp>With Viva Money’s Super Flexi Loan, you get the unique benefit of a 51-day Interest-Free Grace Period, giving you a hassle-free way to manage your finances. If you choose monthly EMIs, a minimal interest of 3–3.3% per EMI applies. It’s a simple and flexible way to borrow and manage your money without extra stress.\u003C/p>",{"id":130,"question":131,"answer":132},6104,"Can I use the money in cash?","\u003Cp>Sure! After the money is transferred to your bank account, you can easily withdraw it as cash or use it as per as your need. Or you can use it online for bill payments, or NEFT/IMPS transfers, whichever suits your needs.\u003C/p>",{"id":134,"question":135,"answer":136},6105,"Can I use the Super Flexi Loan for any other purpose?","\u003Cp>With Viva Money’s Super Flexi Loan, you can get funds from ₹5,000 to ₹2,00,000 to meet a variety of financial needs. Whether it’s home renovation, wedding expenses, house rent deposits, buying a two-wheeler, or any other requirement, the instant personal loan app gives you the flexibility to achieve your goals with ease.\u003C/p>",{"id":138,"question":139,"answer":140},6106,"Will using Viva Money help improve my credit score?","\u003Cp>Absolutely! Using Viva Money, a trusted instant loan app, can positively influence your credit score. When you borrow through Viva Money and consistently repay your EMIs or dues on time, you build a solid credit history. This is key to unlocking future financial opportunities like credit cards, home loans, or car loans.\u003C/p>",{"id":142,"question":143,"answer":144},6107,"What is the Optional Term Fee at Viva Money?","\u003Cp>The Optional Term Fee is a charge that applies if you choose to extend your loan tenure beyond 5 months. When you transfer money from your approved limit, you can select how you’d like to repay:\u003C/p>\u003Cul>\u003Cli>5 months: No additional charge\u003C/li>\u003Cli>10 months: ₹999 + GST\u003C/li>\u003Cli>20 months: ₹1,499 + GST\u003C/li>\u003C/ul>\u003Cp>If you pick the 10 or 20-month term, the fee will be added to your next EMI payment. You won’t be charged this fee if you pay back the money during the Grace Period.\u003C/p>",{"id":146,"question":147,"answer":148},6108,"What are the available payment options?","\u003Cp>You can make payments using these methods:\u003C/p>\u003Cul>\u003Cli>UPI (Unified Payments Interface)\u003C/li>\u003Cli>Debit card\u003C/li>\u003Cli>Netbanking\u003C/li>\u003C/ul>\u003Cp>All these methods are entirely free of charge.\u003C/p>",{"id":150,"question":151,"answer":152},6109,"What does \"My Balance\" mean in the Viva online loan app?","\u003Cp>In the Viva app, \"My Balance\" works like a digital wallet. You can add money to this balance and utilize it to settle your EMI or grace repayment. \u003C/p>",{"id":154,"question":155,"answer":156},6110,"What does the SMS alert service entail and how is it paid for?","\u003Cp>The fee is combined with your EMI payment. If you repay the money within the Grace Period, the service fee won't be charged. This service costs Rs.69+GST per month.\u003C/p>",{"id":158,"question":159,"answer":160},6111,"Why is my first payment (EMI) larger than the others?","\u003Cp>The initial payment, known as the first EMI, might be larger compared to the later payments, and this happens for a few reasons:\u003C/p>\u003Cp>Since the first EMI date falls beyond 30 days after the money transfer to your bank account, it comprises interest covering the period from your transfer date to the EMI due date. For instance, if you put money from your approved limit into your bank on August 15, and your first payment is due on September 30, the first payment will include interest for the time between August 15 and August 31 as well. To avoid paying this extra interest, you can repay the money during a specific time period known as the \"Grace Period\".\u003C/p>\u003Cp>Additionally, the payment would include a \"Processing Fee\" on the withdrawal amount and an \"Optional Term Fee\" if you choose to go with a 10 or 20-month plan.\u003C/p>",{"id":162,"question":163,"answer":164},6112,"I'm experiencing a technical issue. How can I get in touch for help?","\u003Cp>We apologize for any inconvenience you may have encountered. If you're experiencing any technical issues, our team is ready to assist you. You can reach out through live chat on your mobile app or simply email us at chat@vivamoney.in for quick support. We're here to help!\u003C/p>",{"id":166,"question":167,"answer":168},6113,"Who can I contact if I have any queries or need assistance?","\u003Cp>If you have any queries or need assistance, feel free to reach out to us. You can contact our support team via email at chat@vivamoney.in. Additionally, for quicker help, you can use the live chat feature in the Viva Money instant loan app. We're here to provide any information or resolve any concerns you may have!\u003C/p>",{"id":170,"question":171,"answer":172},6114,"Which phone models are compatible with the Viva Money online loan app?","\u003Cp>Viva Money instant personal loan app works seamlessly on iOS 11 or above and Android 10 or above. Whether you’re using an iPhone or an Android smartphone, you can easily access and manage it anytime, anywhere.\u003C/p>",{"id":174,"question":175,"answer":176},6115,"What do I do if my phone number, email, or home address has changed?","\u003Cp>You can easily reach out to us about these changes through the chat, and our expert will assist you.\u003C/p>",{"id":178,"question":179,"answer":180},6116,"I forgot my password, how can I reset it?","\u003Cp>No worries! You can easily reset your password using the \"I forgot my password\" feature in the Viva Money instant loan app. To regain access, simply provide your registered mobile number and PAN card details. If you’re unable to reset it on your own, our customer support team is ready to assist you through live chat, or you can reach us via email at chat@vivamoney.in.\u003C/p>",{"id":182,"question":183,"answer":184},6117,"Is Viva Money safe?","\u003Cp>Yes, absolutely! Applying for a personal loan through the Viva Money app is 100% safe and secure. Your data is protected with advanced encryption, and all loans are provided through RBI-registered NBFC FincFriends Private Limited, ensuring complete transparency and reliability throughout the process.\u003C/p>",{"id":186,"text":187,"type_header":188},8735,"Frequently Asked Questions","H1",[],[191,194,196,197,199,200],{"title":192,"isShow":8,"url":193},"Home","/",{"title":19,"isShow":8,"url":195},"/personal-line-of-credit",{"title":22,"isShow":8,"url":23},{"title":198,"isShow":8,"url":26},"Contact Us",{"title":28,"isShow":8,"url":29},{"title":36,"isShow":8,"url":201},"/#faq",{"id":203,"logo_alt":204,"logo":205},27,"Logo",{"id":206,"name":207,"alternativeText":41,"ext":208,"mime":209,"size":210,"url":211},38,"logo-img.svg",".svg","image/svg+xml",3.19,"/uploads/logo_img_48174ed008.svg",{"id":213,"createdAt":214,"updatedAt":215,"publishedAt":216,"documentId":217,"locale":40,"header_block":218,"social_media_block":220,"documents_blocks":287,"footer_block":331,"script_block":336,"localizations":338},28,"2024-05-08T08:37:24.545Z","2026-06-24T06:15:22.790Z","2026-06-24T06:15:22.861Z","e2woc55ykh125an0cbge7frn",{"id":203,"logo_alt":204,"logo":219},{"id":206,"name":207,"alternativeText":41,"ext":208,"mime":209,"size":210,"url":211},{"id":221,"alt":222,"google_play_link":223,"app_store_link":223,"contact_email_address":224,"main_email_address":225,"img":226,"items":233},30,"Qr-code","https://vivam.onelink.me/0rtl/zw1ld90q","hello@vivamoney.in","chat@vivamoney.in",{"id":227,"name":228,"alternativeText":41,"ext":229,"mime":230,"size":231,"url":232},70,"mb-qr-code.b270e8e5.png",".png","image/png",3.93,"/uploads/mb_qr_code_b270e8e5_276586c2cb.png",[234,243,252,261,270,278],{"id":235,"link":236,"alt":237,"img":238},163,"https://www.instagram.com/vivamoney.in/","instagram",{"id":239,"name":240,"alternativeText":41,"ext":208,"mime":209,"size":241,"url":242},385,"instagram-icon.svg",0.59,"/uploads/instagram_icon_046ec8bf21.svg",{"id":244,"link":245,"alt":246,"img":247},164,"https://www.youtube.com/@Vivamoneyindia","youtube",{"id":248,"name":249,"alternativeText":41,"ext":208,"mime":209,"size":250,"url":251},36,"youtube-icon.svg",0.71,"/uploads/youtube_icon_c8ddec83c4.svg",{"id":253,"link":254,"alt":255,"img":256},165,"mailto:chat@vivamoney.in","mailto",{"id":257,"name":258,"alternativeText":41,"ext":208,"mime":209,"size":259,"url":260},33,"mail-icon.svg",1.17,"/uploads/mail_icon_5382bd1607.svg",{"id":262,"link":263,"alt":264,"img":265},166,"https://www.linkedin.com/company/vivamoney","linkedin",{"id":266,"name":267,"alternativeText":41,"ext":208,"mime":209,"size":268,"url":269},32,"linkedin-icon.svg",1.01,"/uploads/linkedin_icon_0657f4c073.svg",{"id":271,"link":272,"alt":273,"img":274},167,"https://www.facebook.com/vivamoney","facebook",{"id":221,"name":275,"alternativeText":41,"ext":208,"mime":209,"size":276,"url":277},"facebook-icon.svg",0.38,"/uploads/facebook_icon_2a2140e294.svg",{"id":279,"link":280,"alt":281,"img":282},168,"https://x.com/vivamoneyindia","X.com",{"id":283,"name":284,"alternativeText":41,"ext":208,"mime":209,"size":285,"url":286},34,"twitter-icon.svg",0.33,"/uploads/twitter_icon_70c01f9a68.svg",{"id":288,"items":289},99,[290,301,310,319,323,327],{"id":291,"title":292,"link":293,"file":294},665,"Terms and Conditions","/terms-and-conditions",{"id":295,"name":296,"alternativeText":41,"ext":297,"mime":298,"size":299,"url":300},39,"Terms-and-Conditions-Viva.pdf",".pdf","application/pdf",99.45,"/uploads/Terms_and_Conditions_Viva_8f4a880de7.pdf",{"id":302,"title":303,"link":304,"file":305},666,"Privacy Policy","/privacy-policy",{"id":306,"name":307,"alternativeText":41,"ext":297,"mime":298,"size":308,"url":309},40,"Privacy-Policy-Viva.pdf",447.62,"/uploads/Privacy_Policy_Viva_ffc8d420ed.pdf",{"id":311,"title":312,"link":313,"file":314},667,"Fair Practices Code","/fair-practices-code",{"id":315,"name":316,"alternativeText":41,"ext":297,"mime":298,"size":317,"url":318},41,"Fair-Practices-Code-Viva.pdf",644.56,"/uploads/Fair_Practices_Code_Viva_4223b8f8fc.pdf",{"id":320,"title":321,"link":322,"file":41},668,"Loans","https://vivamoney.in/loans",{"id":324,"title":325,"link":326,"file":41},669,"Emi Calculators","https://vivamoney.in/emi-calculators",{"id":328,"title":329,"link":330,"file":41},670,"RBI Sachet Portal","https://sachet.rbi.org.in/",{"id":213,"logo_alt":204,"copyright":332,"limited_label":333,"limited_link":334,"img":335},"©2026 VIVA MONEY SOLUTION PVT LTD","FincFriends Private Limited","https://fincfriends.com/",{"id":206,"name":207,"alternativeText":41,"ext":208,"mime":209,"size":210,"url":211},{"id":337,"script":41,"head_script":7,"noscript":13},29,[],{"title":340,"description":340,"canonical":37,"meta_tag":341,"schema":41},"","index, follow",1783354961257]