Looking for an instant personal loan without any hassle? Get instant access to Viva’s credit line of up to ₹2 lacs at 0% interest for up to 51 days with Zero Paperwork! It is India’s trusted credit line & instant personal loan app, partnered with FincFriends Private Limited, an RBI-registered NBFC providing financial freedom via an NBFC personal loan app.

Why Choose Viva Money- Instant Personal Loan App?

With Viva Money - flexi personal loan app, you get:
? 0% interest loans for up to 51 days - Withdraw and repay within the grace period without paying any interest
? Credit line loan up to ₹2,00,000 - Borrow as per your needs
? Quick loan app - Approvals in less than 15 minutes
? Revolving line of credit app - Get continuous access to funds
? Pay interest only on the withdrawn amount
? 100% digital process with zero paperwork
? Pre-approved loan from an RBI-registered NBFC
? Flexible EMI Loan - Convert into 5, 10, or 20 months
? Secure transactions with advanced encryption

How to Apply for Viva’s Credit Line Loan?

Get a pre-approved loan from one of the best personal loan apps in India - Viva Money in just 15 minutes by following these simple steps:

Download the Viva Money - Flexi loan app
Log in with your mobile number
Add your PAN & Aadhaar details and check your eligibility
Complete VKYC verification
Get instant approval in less than 15 minutes

How Does the Viva Money Loan App Work?

Example: On 1st January, Nidhi was looking for a quick & urgent loan, and she applied for a credit line loan of ₹1,50,000. She gets approved but doesn’t withdraw any funds initially. On 1st February, she withdrew ₹50,000 to buy a laptop. Since we offer a 51-day grace period, she can now repay the loan by 20th March - and enjoy a 0% interest loan without any charges.

A processing fee of 4.5% applies to the total withdrawal of the first month, which drops to 2% for all upcoming months' withdrawals. If Nidhi chooses not to repay within the grace period, she can easily convert it into an EMI loan with flexible tenures of 5, 10, or 20 months. We offer interest rates ranging from 18%-40% APR at our urgent loan app.

As an example:
Small loan amount: ₹50,000
Loan Tenure: 5 months
Rate of Interest: 40% per annum
Processing fee: 4.5% = ₹2,250 + GST = ₹2,655
Total Interest: ₹8,330
Total cost of the loan: ₹2,655 + ₹8,330 = ₹10,985

Who Can Apply for a Credit Line through Viva Money - Instant Personal Loan App?

You can easily apply for an instant personal loan through the Viva Money personal loan app if you fulfill these criteria:
✅ Indian citizens only
✅ Minimum monthly income of ₹15,000 and household income of ₹25,000
✅ Must be in the age group of 21 to 64
✅ Viva Money - instant personal loan app is currently live in Karnataka, Maharashtra, Gujarat, Tamil Nadu, and Goa. So, you must be located in one of these states to apply.

Documents Required for Quick Personal Loan:
✅ Selfie
✅ PAN Card
✅ Aadhaar Card

Secure & Reliable Lending:
Your privacy and security are our top priorities at Viva Money secured loan app. We follow strict RBI guidelines and advanced encryption protocols to keep your data safe. Our lending partner, FincFriends, ensures a seamless and transparent borrowing experience for credit lines.

App Permissions Required:
? SMS
? One-time access for camera, microphone, & location.

Why Viva Money is the Best Instant Personal Loan App?

Unlike traditional banks, Viva Money urgent loan app provides a faster, paperless process with flexible repayment options. Whether you need funds for medical emergencies, travel, education, home renovations, or anything else, our quick loan app ensures quick access to cash without hassle. Viva Money is a great choice for working professionals, as it has proven to be one of the best salary loan app in India. We also cater to self-employed and small business owners, making Viva Money a top choice as an urgent loan app.

Contact Us:
? Email: [email protected]
? Website: https://vivamoney.in