Viva Money

Viva Money is an Indian digital lending platform that provides a Super Flexi Loan of up to ₹2,00,000 through a fast, secure, and completely digital borrowing experience. Designed to meet both planned and unexpected financial needs, the platform enables eligible users to apply for a loan online, complete digital KYC, receive approval in as little as 15 minutes, and access funds without visiting a branch or completing lengthy paperwork. One of its key differentiators is its 0% interest benefit for up to 51 days (subject to applicable terms and repayment conditions), along with a flexible borrowing model where users pay interest only on the amount they withdraw, rather than on their entire approved credit limit. This reusable credit line allows customers to borrow, repay, and borrow again within their sanctioned limit, offering greater financial flexibility than a traditional personal loan. Viva Money operates as a Digital Lending App (DLA) and Lending Service Provider (LSP), while loans are facilitated by its RBI-registered lending partner, FincFriends Private Limited.