NhoVay is a digital financial platform dedicated to Vietnamese people, combining risk management technology and artificial intelligence, helping to simplify the traditional lending process. Whether you need:
? Spending on daily needs
? Financial support for unexpected situations
? Additional capital for business
→ NhoVay always strives to bring flexible solutions, supporting you to handle financial needs quickly!

? 1. Registration Conditions
✅ Valid Vietnamese ID card/CCCD, 18 years old or older
✅ Stable job and income
✅ Active phone number in Vietnam

? 2. Transparent Registration Process
1️⃣ Download App & Register: Complete basic information
2️⃣ Verify Identity: The system will evaluate and notify the limit
3️⃣ Receive Money: Choose the appropriate amount → Submit request → Receive money after the request is approved

⚡ 3. Highlights
| ? Fast Processing | Online support - Short-term file evaluation
| ? Convenient | Support for a variety of payment methods
| ? Transparent | Fees and interest rates are clearly displayed before you agree
| ? Security | Apply security encryption, comply with regulations on personal data protection

? 4. Product Information
• Loan amount:
- Minimum: 500,000 VND
- Maximum: 50,000,000 VND
• Term:
- Shortest: 91 days
- Longest: 180 days
• Annual interest rate (APR):
- Between 3% and 18.25%

? 5. Illustrative Example
Loan of 2,000,000 VND for 120 days (Service fee 6%):
• Service fee (including interest) = 2,000,000 × 6% = 120,000 VND
• Interest rate/day = 120,000 / 120 / 2,000,000 = 0.05%/day
• Annual interest rate (APR) = 0.05% × 365 = 18.25%

? 6. Contact
? Email: [email protected]
☎ Hotline: +84 943 571 025 (Working hours: 09:00-18:00 from Monday to Friday)
? Address: 120 Ba Thien, Ap Bau Tran, Nhuan Duc, HCMC
? Website: https://www.nhovay.com

? Privacy Commitment
We strictly adhere to the principles of personal data protection:
- Encrypt information according to security standards
- Do not share information with unauthorized third parties
- Fully comply with Vietnamese laws on personal data protection (PDPA)