Viva Money
Vivamoney Solutions Private LimitedViva Money is a lending platform run by Vivamoney Solutions Private Limited; loans come from the bank or NBFC named in each offer's Key Fact Statement.
Decide based on your real situation, not on how fast the loan is approved.
Loans of Rs 5,000 to Rs 2,00,000 with tenure of 5-20 months, plus a 51-day interest-free window if repaid in full.
Open to ages 21-64 — accessible to most working adults.
Rate of 3.3% per month (about 40% p.a.) is high once the interest-free window passes.
Minimum tenure of 5 months means it's not built for a very short-term need.
Viva Money's official terms, reviewed on 16 September 2026, identify Vivamoney Solutions Private Limited as the operator, with CIN U67100HR2022FTC108681, and describe Viva Money as a Lending Service Provider with a Digital Lending Application rather than the lender itself. The terms name FincFriends Private Limited as the NBFC partner, and state a loan range of ₹5,000 to ₹2,00,000 with a grace period of up to 51 days from disbursal, carrying 0% interest if the full debt is repaid within that period. No standalone customer-support phone number or email is verified here. The exact APR, processing fee, penal charges, current app-store data and support contacts should all be confirmed in your own documents. The FAQs below cover those checks and the repayment-route rule that protects against agent fraud.
- Lending partner named: FincFriends Private Limited
- Maximum interest rate of 40% a year published
- Rated 4.6 on Google Play from 11,200 reviews
Accepted answer
Requirement: Age 21–64, Indian resident, PAN, Aadhaar and income proof.
Benefit: Up to 51 days' grace with 0% interest if fully repaid.
Main sign: Official terms name Vivamoney Solutions Private Limited as operator.
Differentiator: Repayment should go directly to the lender's bank account, never to agents.
