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VIVA Money Loan App 0% Interest Credit Line | Get In 5 Minutes |

VIVA Money Loan App 0% Interest Credit Line | Get In 5 Minutes |


VIVA Money Loan App


In the fast-paced world we live in, sometimes we face unexpected expenses. Getting a loan from a bank can be a hassle with lots of paperwork and waiting around. That’s where fintech companies like VIVA Money come in handy. They offer a different way to get a personal loan quickly and easily.

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This article is here to give you all the info you need about the VIVA Money Loan App. We’ll cover what it can do, why it’s good, who can get it, how much it costs, how to apply, and more. With all this knowledge,

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What’s VIVA Money Loan App?


VIVA Money is a phone app that helps you get personal loans. It’s different from regular loans because it lets you borrow and pay back money again and again up to a certain amount.

You don’t need to go to a bank in person because VIVA Money works only on the internet. Just download the app and apply for a loan in a few minutes. The app looks at your application using a special computer program that checks your phone data and other information. Usually, you don’t have to show proof of your income or give anything valuable as security, like you do with normal banks.


VIVA Money teams up with special financial companies registered with the RBI (Reserve Bank of India) to offer these loans.

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How Does VIVA Money Loan App Work?

  1. Get the App: First, get the VIVA Money Loan App from the Google Play Store and install it on your phone.
  2. Sign Up: Make an account by giving your phone number and email.
  3. Pick Credit and Time: Choose how much credit you want and check out the different repayment choices. VIVA Money lets you pay back over a time that suits you.
  4. Check Yourself: Finish the Know Your Customer (KYC) process. This often means typing in your Aadhaar card details. VIVA Money looks at your phone data to learn more.
  5. Bank Info: Give the details of the bank account where you want to get the credit money.
  6. Send Application: Look over everything you’ve put in and send your application.

VIVA Money will look at your application using its own rules. You’ll usually get a message in just a few minutes telling you if you’re approved or not.

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VIVA Money Loan App Disadvantages

  • Potentially High Interest Rates: Compared to traditional banks, VIVA Money might charge higher interest rates on the utilized credit amount. The interest rate can vary depending on your creditworthiness and loan parameters. Carefully review the interest rates before applying.
  • Limited Availability: Currently, VIVA Money’s services are only operational in certain states within India. Make sure the app functions in your location before proceeding.
  • Lower Credit Limit: The maximum credit limit offered by VIVA Money is ₹2,00,000, which might not be suitable for significant financial needs.

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VIVA Money Loan App Benefits

  • Easy to Use: The best thing about the VIVA Money Loan App is how simple and easy it is to use. You can get it on your phone and apply for a loan in just a few minutes, saving you from having to go to the bank and deal with lots of complicated paperwork.
  • Fast Approval: With VIVA Money, you don’t have to wait long to find out if you’ve been approved for a loan. Usually, you’ll know within minutes whether you’re good to go.
  • Less Paperwork: Unlike regular loans where you have to dig up all sorts of documents like pay slips, with VIVA Money, you can skip all that. They look at your application mainly through your phone.
  • Flexible Borrowing: VIVA Money lets you borrow money as you need it, up to a certain limit. It’s like having a pot of money you can dip into whenever you want, and you only pay back what you’ve used.
  • No Interest for a While: One cool thing about VIVA Money is that they give you a bit of time where you don’t have to pay any interest on what you’ve borrowed. If you pay back what you owe within 51 days, you won’t get charged any extra.

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VIVA Money Loan App Eligibility Criteria

To be eligible for a credit line through the VIVA Money Loan App, you must meet the following criteria:

  • Be a resident of India (Currently operational in specific states only)
  • Be between 18 and 64 years of age
  • Have a valid Indian mobile number and email address
  • Possess a smartphone compatible with the VIVA Money app
  • Maintain a good CIBIL score (The exact minimum score isn’t specified, but generally, a score of 650 or above is considered good)

Note: Eligibility criteria might vary slightly depending on the specific NBFC partnering with VIVA Money for your credit line.

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In short, VIVA Money Loan App changes how we handle money. With its easy-to-use features and quick service, VIVA Money makes borrowing money hassle-free. Whether you need cash for emergencies, travel, education, or anything else, VIVA Money is there for you. With instant approvals, flexible repayments, and top-notch security, VIVA Money is leading the way to a future where managing money is easy and accessible for everyone.

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