India’s 1st Personal Line of Credit

Up to ₹2,00,000 of Instant Credit
0% Interest for up to 51 Days
Revolving Line of Credit
Flexible EMI Options
Direct Bank Transfer

Download Viva Money

What is Line of Credit?

It is a flexible way of borrowing where you get up to ₹2,00,000 at 0% interest for up to 51 days. Also, you pay interest only on the amount you use, not the entire limit.

Personal Line of Credit works like a quick safety cushion for any emergency. You can borrow, repay, and borrow again according to your need!

Eligibility Criteria for Credit Line

To be eligible, you need to meet the following criteria:

You must be a resident of Karnataka, Maharashtra, Gujarat, or Tamil Nadu
You must be between the age group of 21 and 64 years
Your monthly income should be at least ₹15,000
Your total household income should be at least ₹25,000 per month
You must have a stable source of income.
You must have an Aadhaar number and an original PAN card

Features of Credit Line App

0% Interest for up to 51 Days

Enjoy an interest-free period of up to 51 days, giving you the breathing room to repay at ease

Zero Paperwork

Get a quick approval in less than 15 minutes with a 100% digital process

Flexible EMIs

Choose repayment plans from 5, 10, or 20 months, as per your convenience

Revolving Line of Credit

Our Credit Line allows you to borrow, repay, and borrow again according to your needs easily

Quick Bank Transfer

Instantly transfer your approved amount directly to your bank account

No Collateral, No Guarantors

Get the financial support you need without any collateral or guarantor

Steps to Apply for a Line of Credit

Apply for the Credit Line

One form, for instant Credit Line approval

KYC Verification & Digital Contact Signing

Just a quick call and sign the loan agreement digitally, with zero paperwork

Instantly Withdraw

Choose the amount want to withdraw and get funded in less than 15 minutes

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

FAQs

What is a Personal Line of Credit?

Who is eligible to apply for the Credit Line?

How is a Credit Line different from a regular loan?

How long does it take to withdraw the money?

How do repayments work for the Credit Line?

Is it possible to get an increase in my credit limit?

How much processing fee do I need to pay?