Benefits of using VIVA - Credit Line Loan
Credit limit:
From ₹5,000 to ₹2,00,000Processing fee (One-time processing fee):
From ₹500 up to 3% of the approved credit limitGrace 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
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 EMIRepayment term:
– 5 months: No extra charge
– 10 months: ₹999
– 20 months: ₹1499Early repayment fee:
4% on the early repayment amount
Note: Minimum repayment amount is ₹10,000
Minimal Documents Required
100% digital and completely secureIdentity Proof (PAN card)
Address Proof (Aadhaar number)
Photograph (Selfie)
Eligibility Criteria
You must be an Indian Citizen between 21 and 64 years of age
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
Steps to apply for Credit Line
How we work?
Features You’ll Love
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
Why people love VIVA Money
″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.″
″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!″
″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.″
″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!″
″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.″
″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!″
″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.″
Instantly withdraw money from your credit limit of up to ₹2,00,000! No paperwork, ever
