Viva Credit Line – Your Instant Lifeline to Financial Flexibility!

With Viva's Credit Line, you're just a few taps away from accessing the funds you need, whenever you need them. Say goodbye to lengthy applications and waiting periods – our streamlined process ensures you get access to the money you need, when you need it.

Image block left

Expand Your Horizons with Viva's Credit Line!

Ready to upgrade your lifestyle? You have the freedom to choose from a wide range of stores to buy your favorite consumer durable products using your Viva Credit Line. Don't let budget constraints hold you back – seize the opportunity to enhance your life with Viva's Credit Line today!

Image block right
Image

Why choose Viva's Credit Line?

1
Versatile Options

Whether you're looking to furnish your home, buy a new tool for farming, or meet unexpected cash expenses, we've got you covered.

2
Flexible Terms

Enjoy flexible repayment options and competitive interest rates tailored to your budget and needs.

3
Convenient Access

Say goodbye to restrictive financing options – with Viva's Credit Line, you can shop at your favorite stores or dealers, hassle-free.

4
Pre-approved Credit Line

Access funds instantly, so you can make your purchases without delay.

Consumer Durable Loans
Consumer Durable Loans

Upgrade your lifestyle with ease through Viva's Consumer Durable Loans, offering flexible financing options for the latest gadgets and appliances. Say hello to convenience and say goodbye to budget constraints as you shop for the items you've been dreaming of, all with the support of Viva's Credit Line.

Emergency Loans
Emergency Loans

Get peace of mind with Viva's Emergency Loans. These Loans offer a reliable lifeline, providing swift access to funds when unexpected expenses arise. With our Credit Line, you can navigate unforeseen challenges with confidence, knowing that help is around the corner. Viva's Credit Line ensures you're prepared for whatever life throws your way.

Agri Equipment Loans
Agri Equipment Loans

Harvest success with Viva's Agri Equipment Loans, providing farmers with flexible financing options for essential agricultural tools. We're committed to supporting farmers at every step, ensuring they have access to the resources they need to succeed. Experience the difference with Viva's Agri Equipment Loans – because when farmers thrive, so does our future.

Our leadership team

Debashish Samal
Debashish Samal

Co-founder

Debashish is a seasoned professional with a track record of success in microfinance, having managed operations at Spandana with a substantial portfolio size of 750 crore in 2011. As a dynamic entrepreneur, he has founded two ventures in dairy and livestock trading, supported by India Quotient.

Siva Kumar
Siva Kumar

Co-founder

Siva is a seasoned professional with strong exposure in Credit & Risk Management in Consumer Lending. Siva's extensive experience includes successfully managing a 300-Crore Microfinance portfolio at HDFC Bank, and founding two start-ups in the Education Finance and Consumer Lending space.

Thomas Hyland
Thomas Hyland

Advisor

Thomas Hyland is an active investor and advisor in India and Southeast Asia. Thomas co-founded Aspada, an early-stage venture capital fund backed by the Soros Economic Development Fund. Aspada succeeded the SONG Fund, also anchored by Soros Economic Development Fund, Omidyar Network, and Google, pioneering investment in Indian startups.

Voice of the Customer

Star rating Star rating Star rating Star rating Star rating

I never imagined accessing credit could be so hassle-free until I discovered Viva's Credit Line. From applying to approval, the process was seamless and incredibly fast.

Uma Maheswari
Uma Maheswari
Star rating Star rating Star rating Star rating Star rating

When it was time to upgrade the refrigerator in my Kirana store, I turned to Viva for assistance. Their quick approval process and flexible repayment options made it easy for me to purchase the new equipment without disrupting my cash flow. Thank you Viva!

Lakshmi Rathnam
Lakshmi Rathnam
Star rating Star rating Star rating Star rating Star rating

As an Anganwadi worker, unexpected expenses can arise at any time. When my daughter needed emergency medical treatment, I was relieved to have Viva's Emergency Cash Loan as a financial safety net. Their fast approval process and accessible funds meant I could focus on getting my daughter the care she needed without worrying about finances. Thank you, Viva, for being there when it mattered most.

Revathy Prabhu
Revathy Prabhu
Star rating Star rating Star rating Star rating Star rating

As a farmer, having the right tools is essential for a successful harvest. When I needed to invest in new farm equipment, Viva's Agri Equipment Loans came to the rescue. With their competitive rates and convenient repayment terms, I was able to purchase the tools I needed to improve efficiency on my farm. Thank you Viva!

Janakiamma
Janakiamma

From our blog

Income Growth of Urban Unorganized Sector
Income Growth of Urban Unorganized Sector

Unravel the journey of income growth for urban unorganized sector workers in India. Delve into the factors fueling their...

11 Mar 24 19 mins read
Bridging the Credit Gap with Fintech Platforms
Bridging the Credit Gap with Fintech Platforms

Discover how fintech platforms like Viva are revolutionizing credit access for India's informal sector. Explore their in...

11 Mar 24 15 mins read
Impact of Access to Credit on Standard of Living
Impact of Access to Credit on Standard of Living

Explore the transformative impact of credit access on the standard of living in India. From empowering economic opportun...

11 Mar 24 16 mins read
Sources of Credit for Informal Workers in India
Sources of Credit for Informal Workers in India

Explore the diverse sources of credit available to informal workers in India, from informal moneylenders to government s...

11 Mar 24 23 mins read
Image NewsLetter
Icon primary
Newsletter

Subscribe to our newsletter.

Know the latest about what is happening around you