Empowering 40 Lakh+ users, Viva Money offers India's 1st Super Flexi Loan with access to up to ₹2,00,000 at 0% interest for up to 51 days with flexible EMI options.
Whether it's an unexpected expense, a planned purchase, or a temporary cash crunch, users can access funds in just a few taps. It gives you the flexibility to access funds when you need them most.
Viva Money is a trusted 0% interest loan app that offers a seamless digital borrowing experience. As a reliable loan app, it provides safe and transparent access to funds through its partnership with FincFriends Private Limited, an RBI-registered NBFC.
Why Choose Viva Money Instant Loan App?
With Viva Money, you get:
- 0% interest for up to 51 days
- Personal loan from ₹5,000 to ₹2,00,000
- 100% digital and hassle-free process
- Quick loan from an RBI-registered NBFC
- Flexible EMI options, based on your eligibility
- Pay interest only on the withdrawn amount
- Approval in less than 15 minutes
- Funds transferred directly to your bank account
Who Can Apply for loan on Viva Money App?
You can easily apply for Viva Money if you fulfill the following criteria:
- Minimum monthly income of ₹15,000 or household income of ₹25,000
- Must be in the age group of 21 to 64 years
- Must be a resident of Karnataka, Maharashtra, Gujarat, Tamil Nadu, Haryana or Goa.
Documents Required
- PAN Card
- Aadhaar Card
How Does Viva’s 0% Interest Loan App Work?
Example: Hrithik was searching for the best personal loan app in India on 1st January and discovered Viva Money’s instant personal loan app. He applied for ₹1,50,000 through the loan app and got approved instantly. On 1st February, he withdrew ₹50,000 to purchase a laptop. Since the Viva Money loan app offers a 51-day interest-free period, he can repay the amount by 20th March & enjoy a 0% interest loan.
A processing fee of 4.5%, along with a grace repayment fee of 1.5%, applies to the total withdrawal amount when the amount is repaid within the grace period. For repayments beyond this period, Hrithik can easily convert the balance into Flexible EMI options, based on his eligibility, through the flexi loan app, with interest rates ranging from 18% to 40% APR on the Viva Money loan app.
For instance:
Withdrawn amount: ₹50,000
Tenure: 5 months
Interest rate: 40% per annum
Processing fee: 4.5% = ₹2,250 + GST = ₹2,655
Total interest for 5 months: ₹5,495
Total cost if paid in EMI = ₹50,000 + ₹2,655 + ₹6,810 = ₹58,150
Secure Lending with an RBI-registered NBFC:
Viva Money is an ISO-certified (27001:2022) online loan app committed to keeping your data secure with advanced encryption technology. In partnership with RBI-registered NBFC FincFriends, we ensure a transparent and reliable borrowing experience with quick access to funds.
App Permissions Required:
- SMS
- One-time access for camera, microphone, & location for VKYC
Data Security:
Every transaction on the Viva Money online loan app is protected by advanced security measures.
Why is Viva Money the Best Personal Loan App in India?
Unlike other instant personal loan apps, Viva Money offers a faster, paperless process with flexible repayment options.
We ensure quick, hassle-free access to funds to help you meet your financial needs. Ideal for working professionals, self-employed individuals, and small business owners.
Download Viva Money - your trusted loan app to borrow money instantly!
Contact Us:
- Email: chat@vivamoney.in
- Website: https://vivamoney.in
Firstly the app was fantastic u can say because the loan approved and loan disbursed was the same and I still couldn’t believe it, mostly some twice or thrice I had to check my balance to see whether it was real. It doesn’t take unwanted processing charges and any other charges like how other apps do and disbursement amount is as promised and easy tenure options which made it user friendly. Maybe even if I borrowed with my friend it wouldn’t have been this convenient. I totally loved it. It’s like my second salary I take I repay and again I borrow. I always believe in viva and hoping a great success ahead and who ever looking for any emergency expenses or want to fulfill your dreams, go with it. Trust me there won’t be any other app available in the store with this decent rate of interest or any charges it might be. Totally fantastic and all I can say is thanks with gratitude
Developer Response
Hey, Thank you for your insightful feedback! We're thrilled to hear that you're enjoying Viva Money - instant personal loan app. Your satisfaction is our highest priority, and we're committed to ensuring you have the best experience possible!😌❤️
Viva Money App Review – 1 Year Experience
Rushi55
I’ve been using the Viva Money app for the past one year, and it has really helped me take better control of my finances. It’s simple, easy to use, and packed with useful features like expense tracking, budget planning, and savings goals.One of the best things about Viva Money is how it automatically tracks and categorizes my spending. Over time, it gave me a clear picture of where my money was going, which helped me cut unnecessary expenses and save more. The budgeting tool is especially helpful—it keeps me accountable every month.The app also sends useful reminders and insights, which helped me stay on track with my financial goals. I’ve even managed to build a habit of saving regularly thanks to the automated savings feature.There were a few small issues during the year, like delays in syncing with my bank or minor bugs, but nothing that really affected my overall experience.After a full year of using it, I can say Viva Money has made a positive impact on how I manage my money.Rating: 4.5/5
Developer Response
"Hello! we sincerely appreciate your valuable feedback. Your input is highly valued, and rest assured, we are continuously striving to enhance our features to offer the best possible experience. Thank you for choosing our personal loan app.
Lot of hidden claus
Js tree
I had a very disappointing experience with Viva Money.While lending, the app clearly shows 51–56 days for repayment with 0% interest. But after taking the loan, the app suddenly applies hidden clauses like a 20–51 day grace period, which were never shown before or after borrowing. These terms were not mentioned anywhere in the app, not in the loan agreement, and not even in an email.Even if I assume their “51-day rule” is correct, I was still within 41 days and had the full repayment amount ready. Yet the app automatically converted my repayment into EMI mode and started charging heavy interest. This is extremely unfair because the customer has no idea when the grace period has ended — there is no proper notification, no alert, nothing.A company lending money must display all important terms clearly and upfront, not hide them in small clauses that the customer never sees. If you promote “instant money,” how can you expect customers to borrow only on the 1st of the month to get the full grace period? What if someone needs urgent money on the 10th or 20th?There is also no real customer care support. The replies are mostly automated bot messages, and it becomes impossible to get proper clarification from a real person. This makes it hard to trust the app again.Overall, this experience felt misleading and disappointing. Anyone using Viva Money should keep manually checking their repayment dates and terms, because you may not even know when the grace period ends — and suddenly you could be charged high interest without warning.
Developer Response
Sorry you had this experience — that’s not what we aim for. All repayment terms are always displayed transparently, and we never use hidden clauses. Please write to chat@vivamoney.in so we can review your loan details and assist you personally.
Viva Money Loan: Your Reliable Financial Companion
Gtxalex101
As someone who juggles multiple financial responsibilities, finding a reliable loan app has been a game-changer, and Viva Money Loan fits the bill perfectly. From its user-friendly interface to its transparent terms, this app has become my go-to financial companion.One of the standout features of Viva Money Loan is its simplicity. Navigating through the app is a breeze, and the application process is straightforward and efficient. Whether you need a small loan for unexpected expenses or a larger amount for a significant investment, Viva Money Loan has you covered.
Developer Response
Hi! we greatly appreciate your valuable feedback! We're thrilled to hear that you're enjoying Viva Money - Credit Line & Loan App! Your satisfaction is our highest priority!
"We've made some exciting and important improvements to enhance your Viva Money - Super Flexi Loan app experience.
Better Performance: Enjoy a faster & smoother experience with our instant personal loan app.
Bug Fixes: We've squashed some pesky bugs to ensure a hassle-free experience.
So, what's stopping you? Fewer bugs mean more interest-free loan approvals! Don't miss out—enable automatic updates now!"
Version 1.6.0 (2)
The developer, VIVA MONEY SOLUTION PVT LTD, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Location
Contact Info
Identifiers
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Identifiers
Usage Data
Sensitive Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
User Content
Usage Data
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
