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Your instant credit line is here! If you are from Maharashtra, Karnataka, Gujarat or Tamil Nadu, you can now enjoy seamless access to funds with Viva Money at Zero Interest.
Looking for a hassle-free way to access funds instantly? Get a flexible credit line loan of up to ₹2 lakhs at 0% interest for up to 51 days with Zero Paperwork! Viva Money is India’s trusted credit line & personal loan app, partnered with FincFriends Private Limited, an RBI-registered NBFC providing financial freedom at your fingertips.

Why Choose Viva Money-Line of Credit?
With Viva Money – Instant Personal Loan App, you get:
• 0% interest 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
• Instant loan approval in less than 15 minutes – Get an instant cash loan without waiting in queues
• Revolving line of credit app – Get continuous access to funds
• Pay interest only on the withdrawn amount
• 100% digital process with zero paperwork
• Flexible EMIs – Convert into 5, 10, or 20 months
• Secure transactions with advanced encryption
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 months withdrawal. 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
How to Apply for an Instant Credit Line Loan?
Get an instant loan in just 15 minutes by following these simple steps:
1. Download the Viva Money – Instant Credit Line & Personal Loan App
2. Log in with your mobile number
3. Add your PAN & Aadhaar details and check your eligibility
4. Complete KYC verification
5. Get instant approval and access your credit line loan anytime!
Who Can Apply for an Instant Loan?
You can easily apply for an instant cash loan through Viva Money – 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 Application. 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 & storage
Why Viva Money is the Best Personal Loan App?
Unlike traditional banks, Viva Money – Instant Credit Line Application 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, secured loan, flexi loan, home renovation loan, payday loan, two-wheeler loan, cash loan, or any other type of loan, our instant personal loan app is your one-stop solution. We ensure quick and hassle-free access to cash to meet your financial needs.
Contact Us:
Email: [email protected]
Website: https://vivamoney.in