Viva Money: Super Flexi Loan

Name: Viva Money: Super Flexi Loan
Rating: 4 (815 reviews)
Author: VIVA MONEY SOLUTION PVT LTD

Instant Personal Loan App

Only for iPhone

Free

815 Ratings
Ages

18+
Years
Category

Finance
Developer

VIVA MONEY SOLUTION PVT LTD
Language

EN
English
Size

51.5
MB

iPhone

A Super Flexi Loan app that offers upto ₹2,00,000 of instant loan at 0% interest upto 51 days, along with flexible EMI options for a smooth instant personal loan journey. We’re India's best loan app that provides a quick and secure digital process designed to make borrowing effortless. It is partnered with FincFriends Private Limited, an RBI-registered NBFC, ensuring safe and transparent lending in the instant personal loan category. Why Choose Our Instant Loan Online App? With Viva Money instant loan app, you get: • 0% interest instant cash loans for up to 51 days • Quick loan from ₹5,000 to ₹2,00,000 • Personal loan approval in less than 15 minutes • Pay interest only on the withdrawn amount • 100% digital process with zero paperwork • Instant personal loan from an RBI-registered NBFC • Flexible EMIs - Convert into 5, 10 & 20 months How to Apply for an Instant Personal Loan App? Get a personal loan in just 15 minutes with Viva’s Super Flexi Loan App: 1. Download the Viva Money - Instant personal loan app 2. Log in with your mobile number 3. Add your identification details & check your eligibility 4. Complete KYC verification 5. Get instant approval & access your 0% interest quick loan anytime How Does Our Instant Loan App in India Work? Example: On 1st January, Rahul applies for a Super Flexi Loan of ₹1,50,000 from an instant loan online app. He gets approved but doesn’t withdraw any funds initially. On 1st February, he withdrew ₹50,000 to buy a laptop. Since we offer a 51-day grace period, he can repay the amount until 20th March at 0% interest. 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, Rahul can simply convert the balance into Flexible EMIs of 5, 10, or 20 months, with interest rates ranging from 18% to 40% APR on our personal loan app. As an example: Withdrawn amount: ₹50,000 Tenure: 5 months Interest rate: 40% per annum Processing fee: 4.5% = ₹2,250 + GST = ₹2,655 Total interest for 5 months: ₹5,495 Total cost if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 Who Can Apply for a Viva Money - Personal Loan App? You can easily apply for an instant loan through the Viva Money loan app if you fulfill these criteria: • Must be in the age group of 21 to 64 years • Minimum monthly income of ₹15,000 & household income of ₹25,000 • Viva Money - best loan app is currently live in Karnataka, Maharashtra, Gujarat, Tamil Nadu, Goa, Delhi, Haryana, & Rajasthan. Documents required for our instant personal loan app: • PAN Card • Aadhaar Card Secure & Reliable Lending with our Instant Loan App: Your privacy & security are our top priorities at Viva Money - instant loan app. We follow strict RBI guidelines & advanced encryption protocols to keep your data safe. Our lending partner, FincFriends, ensures a seamless & transparent borrowing experience for loans. App Permissions Required: • SMS • One-time access to camera, microphone, & location for VKYC Why is Viva Money the Best Loan App in India? Unlike traditional banks, the Viva Money loan app offers a faster, paperless process with flexible repayment options. Whether you're looking for a medical loan, travel loan, education loan, home loan, vehicle loan, gold loan, business loan, credit card, unsecured loan, flexi loan, home renovation loan, payday loan, two-wheeler loan, cash loan, personal loan, instant loan, or any other type of loan, our loan app is your one-stop solution. We ensure quick & hassle-free access to cash so you can easily meet your financial needs. It is ideal for working professionals, self-employed individuals, and small business owners. Download Viva Money - your trusted instant loan app in India for borrowing money online! Contact Us: Email: chat@vivamoney.in Website: https://vivamoney.in

Ratings & Reviews

4.0

out of 5

815 Ratings

Excellent loan app available in the market
24/01/2025

im.aarohit
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!😌❤️
Excellent loan app available in the market
24/01/2025

im.aarohit

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 27/01/2025
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
25/04/2025

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.
Viva Money App Review – 1 Year Experience
25/04/2025

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 29/04/2025
"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
27/11/2025

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.
Lot of hidden claus
27/11/2025

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 01/12/2025
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
22/04/2024

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!
Viva Money Loan: Your Reliable Financial Companion
22/04/2024

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 25/04/2024
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 1.3.0 (1) 7 Apr

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

Information

Provider: VIVAMONEY SOLUTIONS PRIVATE LIMITED
Size: 51.5 MB
Category: Finance
Compatibility: Requires iOS 15.0 or later.

iPhone
Requires iOS 15.0 or later.

iPod touch
Requires iOS 15.0 or later.
Languages: English
Age Rating: 18+

18+

Learn More

Privacy Policy

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Viva Money: Super Flexi Loan

Ratings & Reviews

Excellent loan app available in the market

Viva Money App Review – 1 Year Experience

Lot of hidden claus

Viva Money Loan: Your Reliable Financial Companion

What’s New

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

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NextFin: Instant Loans

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