Viva Money Personal Loan: Need a zero-interest loan without any hassle? Get instant access to Viva’s Super Flexi Loan of up to ₹2,00,000 at 0% interest for up to 51 days, with Zero Paperwork. It is India’s trusted flexi loan for borrowing money online & partnered with FincFriends Private Limited, an RBI-registered NBFC, to provide financial freedom through its money app.
Why Choose Super Flexi Loan by Viva?
With Viva Money – flexi personal loan app, you get:
📌 0% interest loans for up to 51 days
📌 Super flexi loan from ₹5,000 to ₹2,00,000
📌 Easy online loan with a 100% digital, hassle-free process
📌 Flexi personal loan from an RBI-registered NBFC
📌 Flexible EMI options of 5,10 & 20 months
📌 Pay interest only on the withdrawn amount
📌 Approvals in less than 15 minutes
How to Apply for Super Flexi Loan?
Follow these quick steps to get your flexi personal loan approved in less than 15 minutes:
Download the Viva Money – micro loan app
Log in with your mobile number
Add identification details & check your eligibility
Complete VKYC verification
Get instant approval & access your 0% interest loan anytime!
How Does Viva’s 0% Interest Loan App Work?
Example: On 1st January, Rahul was looking for the best personal loan app & came across the Super Flexi loan by Viva Money. He applied for ₹1,00,000 and got approved but didn’t withdraw any funds initially. On 25th January, he withdrew ₹50,000 to buy a laptop. Since we offer a 51-day grace period, he can now repay the loan by 20th February & enjoy a 0% interest loan.
A processing fee of 4.5% along with a grace repayment fee of 1.5% applies to the total withdrawal amount when the amount is repaid within the grace period. For repayments beyond this period, Rahul can simply convert the balance into flexible EMIs of 5, 10, or 20 months, with interest rates ranging from 18% to 40% APR on our cash credit loan app.
As an example:
Loan amount withdrawn: ₹50,000
Loan tenure: 5 months
Rate of interest: 40% per annum
Processing fee: 4.5% = ₹2,250 + GST = ₹2,655
Total interest for 5 months: ₹5,495
Total cost if paid in EMI = ₹50,000 + ₹2,655 + ₹5,495 = ₹58,150
Who Can Apply for a Super Flexi Loan by Viva Money?
You can easily apply for a flexi personal loan through the Viva Money app if you fulfill these criteria:
✅ Minimum monthly income of ₹15,000 & household income of ₹25,000
✅ Must be in the age group of 21 to 64 years
✅ Viva Money – money loan app is currently live in Karnataka, Maharashtra, Gujarat, Goa, Haryana & Tamil Nadu.
Documents Required for Instant Loan:
✅ PAN Card
✅ Aadhaar Card
Secure & Reliable Lending:
Your privacy & security are our top priorities at Viva Money- emi loan app. We follow strict RBI guidelines & advanced encryption protocols to keep your data safe. Our lending partner, FincFriends, ensures a seamless & transparent borrowing experience for borrowing money online.