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How Does Viva Money Work?

Example: On 1st January, Rahul applies for a credit line loan of ₹1,50,000. He gets approved but doesn’t withdraw any funds initially. On 1st February, he withdraws ₹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% applies on the total withdrawal of the first month, which drops to 2% for all upcoming month's withdrawals. If Rahul doesn’t want to repay within the grace period of the credit line, he can convert it into EMIs (5, 10, or 20 months). We offer interest rates ranging from 18%-40% APR at our instant personal loan app.

As an example:

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

Application Download Link :

How to Apply for an Instant Credit Line Loan?

Get an instant loan in just 15 minutes by following these simple steps:

👉 Download the Viva Money - Instant Credit Line & Personal Loan App

👉 Log in with your mobile number

👉 Add your PAN & Aadhaar details and check your eligibility

👉 Complete KYC verification

👉 Get instant approval and access your credit line loan anytime!

Who Can Apply for an Instant Loan?

You can easily apply for a credit line through the instant loan app if you fulfill these criteria:

✅ Indian citizens only

✅ Minimum monthly income of ₹15,000 and household income of ₹25,000

✅ You must be in the age group of 21 to 64

Documents Required for Instant Loan:

✅ Selfie

✅ PAN Card

✅ Aadhaar Card

Secure & Reliable Lending:

Your privacy and security are our top priorities at Viva Money- Instant Credit Line 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.

Introduction :

Instant Personal Loan

Poonawalla Fincorp’s Instant Small Personal Loan is an extremely convenient product for a borrower who is looking for a quick small-ticket loan. This loan is helpful for borrowers who need small financial assistance for achieving their immediate goals.

Application DownLoad Link

Highlights for Instant Personal Loan

Personal Loan

Business Loan

Empower your business and take it to new heights with Poonawalla Fincorp's fast and hassle-free loan app. You can boost working capital, buy new business equipment, and expand your workforce with Poonawalla Fincorp’s app.

Highlights for Business Loan

• Loan amount up to 50 Lakhs
• Competitive interest rates starting at 15% p.a.
• Processing Fee: Up to 3% of sanction amount plus taxes
• 100% Digital process
• No collateral/security
• No hidden charges
• Minimal documentation

Professional Loan

• Multi-purpose sanction up to ₹50 Lakh
• Competitive professional loan interest rates starting at 9.99% p.a.
• Processing Fee: Up to 2% of sanction amount plus taxes
• No prepayment and foreclosure penalty if paid from own sources
• Collateral-free loan for professionals
• Flexible tenure ranging up to 60 months

Medical Equipment Loan

Eligibility Criteria

📑 Documents Required

 Uploading Documents :

1.பான் எண் ,

2.உங்களின் புகைப்படம் ,

Application பயன்கள் :

1.உங்களின் அவசரகால பண தேவைகளை பூர்த்தி செய்துகொள்ள முடியும் .

2.எந்த ஒரு நபரும் உங்களுக்கு பண உதவி பண்ண முடியாத தருணங்களில் இந்த application யை பயன்படுத்தி ஏதாவது சிறு பொருட்களை வாங்கிக்கொள்ள முடியும்  .

3.இந்த application ல் நீங்கள் வாங்கும் கடனுக்கு அடுத்த 30 நாளைக்கு எந்த ஒரு வட்டியும் கிடையாது .

தேவைப்படும் ஆவணங்கள் :

1.உங்களின் சுய விபரம் ,

2.உங்களின் புகைப்படம் ,

3.உங்களின் தற்போதைய முகவரி pin code 

விண்ணப்பிக்க தகுதி :

1.இந்தியராக இருக்க வேண்டும் ,

2.மாதவருமானத்திற்கு பணிபுரிபவராக இருக்க வேண்டும் ,

3.18வயது பூர்த்தி அடைந்திருக்க வேண்டும் .

கடன் வழங்கப்படும் தொகை :

திருப்பி செலுத்த வழங்கப்படும் கால அளவு :