Benefits of using Viva Money - Credit Line Loan
Instant personal loans at 0% interestCredit limit:
From ₹5,000 to ₹2,00,000Minimum Processing Fees:
Starting from ₹600, followed by 2% on subsequent disbursals.Grace period:
Maximum 51 days if you withdraw on the 1st of the month (else, 20 days after the end of the withdrawal’s billing month)
How you repay
Quick & easy process- If Repaid within the Grace Period:
0% per annum interest charged
Otherwise, you can choose between 5, 10, and 20-month-long EMI payments. In this case, the following conditions will apply:
- Interest rate:
As low as 3-3.3% per EMI - Repayment term:
– 5 months: No extra charge
– 10 months: ₹999
– 20 months: ₹1499
Minimal Documents Required
100% digital and completely secureIdentity Proof (PAN card)
Address Proof (Aadhaar number)
Photograph (Selfie)
Eligibility Criteria
Easiest way of getting a personal loan onlineYou must be from one of these states—Karnataka, Maharashtra, Gujarat, or Tamil Nadu—and in the age group of 21 to 64.
Your monthly income must be ₹15,000 or more.
Your monthly household income must be ₹25,000 or moreYou must be earning an official income either as a full-time, part-time, or self-employed professional